davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

This Medical debt has been satisfied. Also I never owned this debt. This is under XXXX $ also so it should not still be being reported onto my consumer report. 
This reinvestigation has be more than 60days
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Dear Bureau. 
Hello, I am XXXX XXXX writing to request that you correct the inappropriate information on my credit report. This inquiry does not belong to me. I am attaching to you the documents and my appeal to the CFPB In accordance with the law, I have the opportunity to demand that you respect my rights. 
Please remove this inquiry : CAPITALONE - XX/XX/2023 CAPITALONE - XX/XX/2023
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Dispute Regarding XXXX XXXX XXXX ACCOUNT XXXX I am writing to formally dispute the presence of account XXXX on my credit report, which is inaccurately impacting my credit score. Despite my previous dispute and request for reinvestigation, the account has been verified with inaccurate information, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to accurate and verifiable information on my credit report. However, the information provided regarding this auto loan account is erroneous and is unfairly affecting my creditworthiness. 

Therefore, I am requesting the immediate deletion of this account from my credit report. Its continued presence not only violates my rights under the FCRA but also unjustly impairs my ability to access credit and financial opportunities. 

I expect a prompt response to this dispute and request, in accordance with the regulations set forth by the FCRA. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC (TX)

This is a notice to file a statement of claim against your company due to reinsertion of an account that was previously deleted. I sent your company a letter disputing the following account FEB DESTINY XXXX, where you stated that the item had been deleted; was not reporting ; no longer existed. After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that a deleted item can not be reinserted unless the original providers of the information have verified that it was being reported correctly. This is not the case because this account was closed last in XXXX. You are now reporting that this account was late in XXXX when this account was closed. The account that your reinserted also has a different balance and date of last activity being reported. How is this so? I am requesting all documentation proving the certification of accuracy. The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. I am willing to give you more time to furnish this information to me before I pursue suing against your company for the above mentioned FCRA violation. Please forward the name, address, and telephone number if available of the furnishers of the information confirming its accuracy. Documentation stating that the item has been reinserted and the date of reinsertion. I am furthermore requesting documentation of the reinvestigation process performed when this item had been deleted. In accordance with the FCRA, I expect to receive the requested documentation within 15 days of receipt. The reinserted account is listed below : FEB DESTINYXXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (NV)

I am demanding to opt out of any reporting of my personal or public information. I have not consented to nor authorized the reporting, housing, selling or furnishing of any information relating to me or any accounts associated with me or bearing my name. Any information whether personal or financial that you are in possession of without consent and have furnished or sold to non-affiliated third parties you are guilty of aggravated identity theft and it's causing me financial harm. 

I am demanding the deletion of the public record, the bankruptcy that is currently reporting with your company as you are not able to verify the accuracy of this information. If you can verify this account, please forward me the appropriate information. Otherwise please opt me out from any further reporting of any of my information. 

In addition please send me my full consumer disclosure file pursuant to 15 USC 1681g ( a ) ( 1 )
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am a victim of identity theft. This Bk of Amer is fraudulent and preventing me from obtaining a vehicle. I am not able to get my children to school. I have submitted all the documentation according to the fcra 605b social security card, identification, and utility bill and this account is still on my report.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names & account numbers as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX XXXX  . THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/23 ; XX/XX/23 ; XX/XX/23 - every month I have sent in requests of the investigations and proof regarding the inaccurate information reporting on my credit and continuously receive no response. While information stays reporting incorrect, unknown, and unverified.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (MO)

My money XXXX  account was locked on XX/XX/XXXX and I was asked to provide documents to verify my account randomly. I did so immediately on XX/XX/XXXX. I was told it would take XXXX to XXXX business days I have yet to be able to access my account and customer support doesnt give me any answers to whats going on, I have pending deposits into this account and if they get rejected that will be a very big issue.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-09-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

XXXX XXXX XXXX XXXX  per phone call XXXX, saying they added the Assignment of Mortgage in error, there is no Mortgage and XXXX has also acknowledged that there are not the Investor or Noteholder, So can you please explain how you feel this Assignment of Mortgage is Correct, and can you please explain on our Foreclosure documents you Show XXXX XXXX XXXX XXXX  is our Invester when they have sent several letters saying they are not the Noteholder and Investor. Please Explain.
Consumer complaint received 2019-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I sent a certified letter o XXXX on each attempt dated XX/XX/18, and XX/XX/18 for proof of claim of the alleged debt that they claim I owe to their company and that is appearing as charged off on my credit report. I specifically asked for a signed agreement and other supporting documentation as proof of claim of the accountancy. The request was not adhered to. XXXX have been reporting an alleged charged off debt to the credit bureaus as verified after each letter was sent out and I am asking that the alleged account be deleted. 30 days has passed each attempt to retrieve the information and XXXX failed to adhere to the request of documentation but continue to report the alleged debt. The account was never verified nor validated. XXXX sent a alleged bill and followed up with a letter stating that they no longer have the alleged application on file due to a retention period passing and offered a cardholder agreement.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

have contacted all companies : Equifax, XXXX, and XXXX, and expressed my request for them to remove the inquiries. However, I was informed that they would do so, but they never have. 

They furnished my consumer reports to different companies without a permissible purpose, as per 15 USC 1681b ( 2 ), or knowingly without a legitimate business reason pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ).

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ), for unlawfully furnishing my consumer report on different dates without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless : The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I have been added in several data breaches : 
Data breaches : Review the data potentially exposed in 10 breaches : XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Email List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Since XX/XX/XXXX, My XXXX  and I discovered some accounts on our credit report that did not belong to us, we I did not open any of them, since then we have been dealing with an issue with Identity Theft. On XX/XX/XXXX, we individually to started to dispute these accounts with the Credit Bureaus, after a few months, on XX/XX/XXXX, we went to file an Identity Theft Police Report, after a few weeks we got the report, since then I have been disputing these accounts over and over with the Bureaus, unfortunately, there is still an account remaining that for some reason the Bureaus refuse to remove, even that I have that account listed on the Police Report.
Consumer complaint received 2023-05-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (AZ)

I XXXX XXXX XXXX enter into a collection contract with XXXX, with XXXX XXXX. File number # XXXX. I paid the car off through XXXX. XXXX, never reported the agreement with the 3 Credit bureaus. Now, on my credit report is showing Negative derogtory credit every month on my credit report. I called XXXX, he will not correct or accept my calls. I feel like XXXX took my money and never told Westlake Financial that I made the final payments to XXXX XXXX XXXX My credit score is tanking due to XXXX. I called Westlake Financial they seem to know nothing about XXXX collection agency. Westlake Financial still shows a balance of XXXX, as of XXXX XXXX plus, the account shows written off and closed. I been defrauded by Westlake financial and XXXX collection agency. 

Westlake Financial account number XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been getting false credit report from all three credit reports companies. My name has been mixed up with another persons credit history. I was not able to get any loans or credit card because of this. It is also very hard for me to get an apartment for this very reason. For years I have been trying to get loans and credit card but failed because of wrongful credit report.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There are accounts that I noticed on my credit which I did not do. I never authorized them or made applications for the accounts below : XXXX XXXX XXXX acc # XXXX XXXX XXXX accoun # XXXX XXXX XXXX Accont XXXX XXXX I contacted the credit reporting Agncy with a request for validation and investigation, which was ignored.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

Reported on XX/XX/2023. XXXX XXXX posted a closed cell phone account ( XXXX... ) with an unpaid/past due fee {$140.00} on my credit report. Causing my credit score dropped XXXX from XXXX to XXXX. Since I have never bought or used any XXXX products, cell phones, nor have had any accounts with them. I believe this is fraud and needs further investigation. 

I contacted XXXX XXXXthe collection agency who manage the account, proved to them this is an identity theft case. They agreed to help investigate and will provide comprehensive information regarding this case.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

On XX/XX/2024, I submitted/ mailed and a letter to these companies letting them know they were reporting inaccuracies/inaccurate information concerning late payments, I also requested validation of the late payments, and how they verified these late payments, over the past the past year I have made subsequent attempts to have these late payments reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2023-12-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

The apartment community for my daughter reported a debt not owed to collections. I was advised they they had already asked that it be deleted from both our credit reports. I called collections and was told that they already sent the request to delete it fromour reports. The credit reporting agencies are still showing it on our reports. This is the account in question : XXXX XXXX Reported : XXXX XXXXXXXX XXXX  {$340.00} Ialso noticed the following unauthorized inquires are showing as hard inquires on my personal report : I also noticed the following unauthorized inquires : XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX US DEPARTMENT OF EDU Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/