davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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. (NY)

I have sent several written requests to Experian to remove erroneous accounts and information from my credit report. I have sent numerous letters over the last eight months, yet they have not removed the information and accounts, nor have they provided valid proof that the information is correctly reported. I have provided all information as instructed when I submitted my letters and I have given ample time for Experian to review my request and rectify the situation. At this point, they are refusing to process my requests and have failed to do their part in verifying all information that they are reporting. I have attached all of the letters I sent to them for your reference.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX TO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-04-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OK)

I attempted to file application for a loan modification program, known as HAMP which the deadline was XXXX, 2016. As supported by documents attached, all of the necessary materials that was asked of me was given and submitted to NationStar Mortgage on XXXX 2016. XXXX made sure that I submitted a completed application and submitted the application to Nation Star mortgage on my behalf. Although NationStar wrote me and stated that I did receive a loan modification, the problem is my payment stayed exactly the same. Nationstar wrote that the purpose of the loan modification was to provide immediate financial relief but why would they keep my payment exactly the same if the goal was to provide immediate financial relief? In conclusion, I turned in an completed application on XXXX, 2016 before the XXXX, 2016 deadline and have the attachment to prove it. Secondly, NationStar informed me in writing that my loan was modified but kept my loan payment exactly the same. Furthermore, I would like NationStar to explain how providing " immediate financial relief '' equates to keeping my payments exactly the same.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-10-19
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)

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 Name : XXXX XXXX Account Number : - XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX ======================================= 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal dispute and request for resolution regarding credit reporting issues that have deeply impacted my financial well-being and peace of mind. I believe that my rights under various federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ), have been violated. 

Firstly, I have encountered unauthorized credit inquiries on my credit report. Specifically, I did not provide consent for the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries have been made without my consent, which I believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681b ).

Moreover, I have discovered inaccurate personal information on my credit report, including incorrect addresses. The following addresses are inaccurate and should be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies, if not corrected, could adversely affect my ability to access financial services and may result in unwarranted denials or higher interest rates. 

Lastly, I have identified an account with the creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) that appears questionable and unverified. Despite my attempts to seek clarification, the account remains unclear. This lack of verification may be in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681s-2. 

I am deeply concerned about the emotional and financial toll these issues have taken on my life. The constant stress and uncertainty caused by incorrect information and unauthorized inquiries have affected my ability to secure fair credit terms and financial opportunities. As someone who has worked hard to maintain a strong financial record, I am disheartened by the hurdles these violations have placed before me. 

In light of these circumstances, I kindly request that you investigate these matters and ensure that my rights under the relevant federal laws are enforced. I urge you to work with the involved creditors to promptly remove the unauthorized inquiries and inaccurate information from my credit report. I also ask for a thorough investigation into the unverified account, and if it can not be validated, I request its removal from my credit report as well. 

I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance in helping to rectify these violations and restore my financial well-being. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


CLOSED : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 22nd 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 an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
Consumer complaint received 2024-03-14
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSIONto file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX
Consumer complaint received 2023-10-19
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. (IL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$500.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-19
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


CLOSED : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2023-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (SC)

Cash-net USA keeps calling my phone trying to collect a debt that I do not owe. Have not even been in contact with CashNet USA for a loan. They called 6 times today and restricted their number once to leave a voicemail. I am asking them to not contact me period. I do not have any loans with CashNet USA. If they continue, I will seek legal counsel and pursue litigation. If they think I owe the debt, the MUST validate the debt and follow the laws.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (OR)

Spoke with XXXX XXXX XXXX who stated I am no longer on Forbearance and was placed back on the IBR plan. Since XXXX the balance has accrued XXXX in interest which is ridiculous. I was informed no interest would accrue while the BDR apps were in administrative forbearance and still processing on the Dept of Education website. Not completed yet for the Sweet Vs Cardona case. Also the tradelines for the balance that was forgiven has not been updated since XX/XX/XXXX. We are now in XXXX. I was told to go on the SAVE program so no interest would accrue on my account. Concerned if I do this that it will mess me up for the Sweet vs Cardona case which I am in the Post Class - Class C group which is to be finalized by XX/XX/XXXX. 

Every time I call I get different answers, I was suppose to have my XXXX XXXX XXXXXXXX XXXX loans forgiven 100 % along with XXXX XXXX which has not been completed yet. I also sent in a paper application for the BDR for XXXX XXXX and XXXX of XXXX. No response from either party!
Consumer complaint received 2024-04-08
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (AL)

To whom it may concern, I have an XXXX XXXX Credit card issued by BBVA Compass ( BBVA ). I'm currently an XXXX and XXXX veteran getting a second degree in XXXX  in Washington DC who honestly went back home to Alabama during the COVID outbreak. When I went home I didn't update my address and failed to pay the {$110.00} balance on the credit card because I wasn't aware I owed the balance. I've had a banking account for 17 years with BBVA and a credit card account for at least 5 years. 

I've been in Alabama displaced from COVID for over a month and got an email stating there were changes to my credit score. The credit report stated I had a a delinquent account with BBVA. While I acknowledge I failed to pay this on time, it clearly would've been paid on time but for the fact I didn't see it. I requested that BBVA remove the negative credit report, but I was told BBVA was unable to remove it, but they could refund me my late fee. This is the first negative credit report I've ever had and I requested it removed after being a loyal BBVA customer for nearly 20 years with over 9 of those years banking with BBVA as a served as a XXXX in the XXXX XXXX. 

The Consumer Financial Protection Bureau ( CFPB ) issued a statement regarding COVID-19 's impact on the Fair Credit Reporting Act and in paragraph 3 of page 1 it states : " The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. '' I respectfully request to remove the negative credit report from my credit report due to the fact I've never had a negative report ever and I was not aware I owed this because I left Washington DC at the beginning of the COVID-19 outbreak in early XXXX. Further, I've attempted to repay the late balance upon notice of the negative credit report. I've made good faith efforts to comply by updating my mail address so this will not occur. This is a tumultuous time and the CFPB would not have issued a policy statement on this matter if the CFPB did not think this was to occur. 

Thanks in advance. 


https : XXXX
Consumer complaint received 2023-10-19
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$75.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX  XXXX XXXX Balance Owed : {$430.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00}
Consumer complaint received 2023-06-09
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. (MD)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.