davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
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: EQUIFAX, INC. (GA)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
XXXX XXXXXXXX XXXX XXXX  XXXX Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Finance ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXl ) XX/XX/2023 Equifax XXXX XXXX, 2023 XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 2023 XXXX XXXX, 2023 XXXX XXXX XXXX XXXX  ( Bank XXXX XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( XXXX XXXX XXXXXXXX ) XX/XX/2023 XXXX XXXX, 2023 XXXX XXXXXXXX XXXX XXXX XXXX, 2023
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. (NH)

l, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # 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. 

Account Name : XXXX XXXXXXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX XXXXXXXX, Account # 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.
Consumer complaint received 2023-11-13
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)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (PA)

Last XXXX of XXXX I received a bill from progressive Stating That my remaining policy balance was {$530.00} My Monthly payment of {$58.00} My renewal was in XX/XX/XXXX my Monthly balance due is {$58.00} Policy Number # XXXX. 

I called XXXX XXXX because they hit my checking account on XX/XX/XXXX, for {$460.00} for XX/XX/XXXX, {$460.00}, and XX/XX/XXXX for XXXX. I called XXXX and asked them why they hit my account and I was not going to renew the policy because the new policy hike in price was not affordable. My last premium payment total was {$530.00} and since they took too much in XXXX I only had to pay the balance of {$420.00} that would have carried me to the end of the policy since my policy remaining balance was {$530.00} so I paid it and switched to XXXX XXXX. I called XXXX  in XXXX and told them I switch policy and why were they still billing me they said to send in my new policy for XXXX XXXX so I did. then they sold it to a third-party CAINE & WEINER XXXX XXXX XXXX XXXX, CA XXXX Sent out a letter asking them to verify my debt they did not. So I called XXXX  they claimed I owed nothing to them Now today XX/XX/XXXX I called and now they are telling me that my bill was {$2000.00} which was my XXXX renewal bill, not my current bill from XX/XX/XXXX till XX/XX/XXXX The lady told me that she does not see the bill I sent into her to prove I closed the account by paying the remaining premium off she said they billed me in XX/XX/XXXX and XX/XX/XXXX even though I had a new policy with XXXX XXXX She also said they only received one snapshot back I returned all of them at the same time they provided boxes but no tracking number for the devices I mailed them back it is not my fault they got lost in the mail. I also brought her to her attention that if my policy was over {$2000.00} In XXXX then why was my monthly premium only {$58.00} I asked her to explain that because I am confused. I also explained that it also odd that after talking to several agents each of them telling me I owe nothing now when I started calling XXXX to get this removed from my credit report there is now a whole back story extra billing and all kinds of changes to my policy.
Consumer complaint received 2023-10-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

My mortgage servicer is Nationstar DBA Mr. Cooper. After a long process of applying with California Mortgage Relief for money owed during COVID Forbearance, the final step for California Mortgage Relief was to check the status of my mortgage. My application was declined because Mr. Cooper sent a report that my loan is delinquent My loan is current. Mr. Cooper gave me the option of making my payment on any date from the XXXX of the month to the XXXX of the month. I chose the XXXX because that's when I get my XXXX XXXX check. I pay every month through Auto-pay and the payment is received on the XXXX of each month. ( Payments received after the XXXX are considered delinquent ). I sent California Mortgage Relief my last two Mortgage Statement showing that my account is current, but unfortunately, they can only go by the report from Mr. Cooper. The representative from California Mortgage Relief told me Mr. Cooper is one of the worst offenders for giving them incorrect information. 
A representative from Mr. Cooper 's escalation department agreed to have a conference call with me and California Mortgage Relief and she conveyed to them that my account is current. Unfortunately, she was not from the Department that sent the incorrect report. California Mortgage Relief said my only recourse is to apply again and attach a copy of my Credit Report. ( My Credit Report reflects that I have zero late payments and the age of my account is XXXX years and XXXX months ). 
It is irresponsible and disheartening that a person at Mr. Cooper can plug in inaccurate information and make it difficult to speak to them re their error. 
I will reapply. Based on the report from California Mortgage Relief, without your assistance, I don't have much hope that Mr. Cooper will report accurate information.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: DApps Platform, Inc. (CA)

The trust wallet are not helping me to unstack my XXXX, or transfer my coin to another wallet. I pay {$150.00} totheir chosen bank and to pay fees, but threy blocked it, and putting other road block to close my account! Their bank, XXXX, doesnt return my messages. Just say your verification is rejected and dont return any of my messages. 
Trust Wallet 's main reason for blocking me for any action is that I dont have enough money to pay for my fees! I am doing what ever they through at me, but they come up with another roadblock! 
I asked them, why cant you unstack my XXXX then take your fees or let me transfer my ETH, after you take your fees?
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (NV)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3.00} ; XXXX XXXX XXXXXXXX XX/XX/2022.
Consumer complaint received 2023-10-23
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. (CA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I am unable to access my Equifax account, I have never tried to log in and I am told over the phone that they can not find my information for my credit report. I am able to log into XXXX and XXXX XXXX, but not Equifax.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (VA)

For several months, I was not able to access my XXXX XXXX account ( Comenity Bank ) online and would get an odd error message. I would also get the same error message when trying to change my password ( to try to clear the login issue ). I have had the account for many years with paperless billing. Before paying the current bill in full, which is my standard practice, I always review the specific charges first, which I could not do, since I could not access my account. In the meantime, I knew the minimum payments would be made because I had set up autopay. I called approximately 2-3 months ago and the customer service person I spoke with confirmed the login problem for my account, and said I should try again in a week and by then the login difficulties should be fixed. She also said they would start sending me paper bills. Two weeks passed, and I still couldn't access my account and I have yet to receive a paper bill. So I called back, and that customer service representative also acknowledged the login problem with my account and unregistered my card so I could reregister it and hopefully clear the log in problem. But, when I tried to reregister, the registration function was down and was not available. The customer service representative who had unregistered my card acknowledged this, and said I should try again later. Two to three weeks later, the registration function is still not available, and I have still not received a single paper bill. So I called again today. This time I paid my bill in full over the phone, without an opportunity to review the charges, because I already had a late charge. When my card was unregistered online, my autopay election was also cancelled apparently. The customer service representative today has put in a request to reverse my late charge. She also said I needed to work with my local post office, to see why I am not getting my paper bills. I live in a very densely populated urban neighborhood and the mail delivery is notoriously poor, which is why I always elect for paperless statements. So now I also have to worry about the fact that paper statements are being delivered to the wrong address, on top of not being able to check the charges actually made to my account. She suggested I keep using easy pay function ( which does not allow me to review charges ) and said hopefully the card registration feature would be fixed. I simply gave up and today paid my account in full, without an opportunity to review the specific charges, including any interest that had accumulated.
Consumer complaint received 2022-12-09
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. (OH)

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. 

XXXXXXXX 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 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 15 U.S.C 1681 Section 602 A. states I have right to privacy.

15 U.S.C 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 Section States : no consumer reporting agency may make any consumer report containing any of the following item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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 reasonably cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

Never received notice of this debt, I have never had an account with XXXX or owned or rented my own home so would have never had a reason to have XXXX. I do not believe this debt to be mine and was falsely reported to collections without notice.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I got so many late payments on trans union XXXX late payments for XXXX XXXX. When I never missed a payment ever and it automated come out my paycheck. Years of bad credit and high interest rates on cars/house loan because of it.
Consumer complaint received 2023-11-13
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (LA)

This is XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$120.00} - XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$710.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Consumer complaint received 2023-10-21
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-21
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: EQUIFAX, INC. (TX)

i have inquiries that i did not authorize on my credit report on my credit profile. at the time of the hard inquiries i was incarcerated so its no way i could have applied to any of the companies listed below also my social is XXXX and my birthday is XX/XX/XXXX so u can be able to look up my account 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX