davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ca, XXXX XXXX XXXX XX/XX/2024 Fidelity Creditor Service XXXX XXXX XXXX XXXX XXXX, Ca, XXXX Re : Dispute of Debt and Revocation of Communication Consent To Whom It May Concern, I am writing to formally dispute the validity of the debt that your organization claims I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Please consider this letter a request for verification and validation of the alleged debt and a revocation of consent for communication as outlined below.

Dispute and Validation Request : Under the provisions of the FDCPA and 12 CFR 1006.34, I am requesting the following : Validation of Debt : Detailed information on the debt as required by 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), including the amount of the debt, the name of the creditor to whom the debt is owed, and an itemized statement of the account.

A copy of the purchase agreement between your organization and the original creditor as evidence of your right to collect this debt.

Proof of Licensing and Bonding : XXXX that XXXX XXXX XXXX is licensed and bonded to collect debts in my state as required by law. Please provide documentation that demonstrates your compliance with these legal requirements. 
Revocation of Communication Consent : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ), I hereby revoke any consent I may have previously given for your organization to communicate with me through the following means : Email Text messages Phone calls All future communications regarding this matter should be conducted through written correspondence sent to my mailing address listed above. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies.

Conclusion : Please note that this letter serves as a formal dispute and request for validation of the debt you claim I owe. Until you provide the requested documentation and evidence, you should consider the debt to be in dispute and cease all collection activities.

Thank you for your prompt attention to this matter. I expect a response within 30 days from the date of this letter. If you fail to respond within this period, I will consider the debt claim to be invalid. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-02
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. (CA)

transunion refuse to delete informaiton or block merchant that has account on report thats not accurate i also provide ftc and police report XXXXXXXX XXXX still reporting on my credit report i uploaded was ignore nothing has been done traunion fail to accurate remove information on my report also along with account and XXXX XXXXXXXX i dont owe these merchant anything.never sign no contract withthis companies
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Considering freezing my credit. Preliminary investigation indicates the process is very much overly complicated! There should be some sort of central clearing house rather than having to persue the process with three different companies. 

Looking at XXXX, they offer a " Security Freeze '' or a " Report Lock ''. They say that they are different, but don't say what the difference is. Seems like they are creating confusion to sell a product to correct a problem that they created in the first place! 

Credit monitoring companies should be REQUIRED to have a " one touch '' freeze function.
Consumer complaint received 2023-05-25
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. (SC)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting 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
Consumer complaint received 2024-01-05
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. (NY)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2023-09-02
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. (CA)

IRS gave money to a person who had no business having it! XXXX dollars to a bank account that was in my or not! For a business I never had! And then I went into my credit report and found that I have a address on my credit report that I never lived! XXXX XXXX?? What??? All my addresses have been in XXXX Except for when I lived in XXXX and XXXX XXXX. In late XXXX and early XXXX. I'm sick to know that someone can do this and not be flagged!! And that money was sent to a bank account that I don't have any clue of what and where! Im sick because it's been affecting my mental health and my finances! Because social security thinks I'm not XXXX! So I'm being audited and doctors contacted medical records pulled! And they suspended my benefits! Until they were able to talk to me! To confirm that I am still XXXX! And the way the representative was talking to me! Made me feel like a criminal! The first thing she said was XXXX you called because your benefits were turned off! I told her that I had not called, that I walked in to the office! That I had been sick! And I couldn't deal with that because my health was so much more important! That's the second time in the last month that a Government employee was rude to me! 
I got a call from the Department of Social Services to renew my food stamps after going to being off for three months. I did everything they asked me to do and they turned me off. Oh XXXX and one of the employees noticed that when I came in there, he said that I had put it in the wrong portal. It was in there he saw it he said so I sent it so they should be able to just you know, turn my food stamps on without a problem, but the lady said no! And it wasn't even my fault! So I asked her if I have to reapply? And she said yeah no I said, so how was that process going to go? How long would it take and she said I would have to sit in there for three hours after being in there for two hours already!!!!! I said I can't do this, and she can look on the computer and tell that I am sickly! And it was no fault of mine!!! People just don't any compassion for the fellow man these days and it's crazy!!! everyone so cold!!!!
Consumer complaint received 2024-04-02
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)

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than XXXX  days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 


AS THIS IS MY SECOND WRITTEN REQUEST!!!! 
YOU ARE IN VIOLATION!!!
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a XXXX XXXXiolation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any XXXX from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (SC)

I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus have not done what Ive asked. I will be providing an identity theft report below and Im requesting them to be removed because their are inaccurate and not mines.
Consumer complaint received 2023-04-24
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. (DE)

I sent my personal and exact information from all 3 bureaus back to them via certified mailing and waiting to receive an update on my credit report to remove all negative and improper information on my credit report using the FCRA law that is illegal to gather my personal information for things that are unrecognized and selling information that arent opened to me actively and unable to apply to future loans and purchases for my FICO and/or credit score via XXXX. Dates from XXXX to XXXX with auto, credit cards, hard inquiries, and late payments inaccuracies are unavailable of receipts from these companies. I need a change of my credit report even as closed with monetary relief should be accounted for with my report status.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I submitted the employment certification form ( ECF ) for the period of XX/XX/XXXX - XX/XX/XXXX on XX/XX/XXXX and my form was processed 6 weeks later. I included my W2 for XXXX, and XXXX and also my last paystub as well. However the PSLF payment count was not accurate ( only increased by 1 ) and did not reflect the number of payments for past 2 years that I submitted the form for. I called Mohela multiple times and waited 2 hours for each phone call. I finally was able to get through to speak to a representative who told me it was a mistake and she requested a manually recount. I asked how long it would take for the payment counts to be updated. She responded saying she has no idea how long it would take?? 
It seems to be a simple fix and I find it unacceptable with their answer.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed my XXXX credit card statement had a {$26.00} charge for services I never requested let alone used ( I never requested a credit report ). When I called TransUnion they indicated I had signed up for an unlimited credit request since XX/XX/XXXX. I called I asked to stop the service immediately on XX/XX/XXXX and requested a credit for the entire time period, I was told that would be escalated but the service would stop. I called again on XX/XX/XXXX and spoke to " XXXX '' who indicated the first person didn't stop the service so I was charged in XXXX for another month of service. He stopped it and told me the entire amount would be credited back ( XXXX years ), however since it was more than XXXX  months I would have to wait XXXX  days for a check to be sent. I followed up on XXXX requesting the credit ( check ) be mailed sooner than XXXX  days since I would be traveling in XXXX. I got a call back on XX/XX/XXXX from a Supervisor indicating that I would indeed get the check but would have to wait. I called again in XXXX and was told the month of XXXX didn't count within the XXXX  day waiting period. I called finally on XX/XX/XXXX and was told the check should be arriving any day and finally I called today XX/XX/XXXX and was told a Manager would get back to me in XXXX business days for an update. Each call meant XXXX hours of waiting/talking time with anywhere from XXXX people per call. I really believe they shuffle you between departments where no one can answer a question or help you to the point they just want you to give up. The dollar amount I was promised back on XX/XX/XXXX that was approved and would be paid to me is {$720.00}, they just don't seem to have any interest in sending me the payment.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I had a loan with XXXX XXXX XXXX XXXX. I had XXXX issues with XXXX Then they sold off all of these loans to a company called XXXX XXXX XXXX and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now XXXX has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with XXXX and XXXX and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had XXXX problems with XXXX XXXX and now there are thousands of complaints since sell off to XXXX XXXX. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam
Consumer complaint received 2023-10-26
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. (MA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have disputed my student loan account with Experian twice and twice they have lied about investigating my complaint and have refused to uddate the account to refelect a XXXX balance and closed despite me providing them proof. I feel that they are purposely refusing to update to harm me and incorrectly report the amount of debt I owe
Consumer complaint received 2023-12-28
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. (FL)

This matter arises after reviewing my consumer credit report. I noticed that there were incorrect accounts and even some fraudulent information that's been reported on my Consumer credit report from XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. XXXX, Transunion and XXXX never gave me my rights to opt out and they never asked for my permission to furnish this information. 15 USC 1681 A2 XXXX, Transunion and XXXX falsely reported information that resulted in defamation of my character. Furthermore, they have assumed this vital role and have infringed upon my rights to privacy by selling my information to third party debt collectors. In pursuant to 15 usc 1681 ( 4 ) My privacy has been invaded and damage has been done. The damages that arose were to my financial, mental health, emotional and it also stopped me from traveling to and from work. Due to identity theft this should be removed. 15 USC 1681 Congressional findings the first the banking system is dependent upon fair and accurate credit reporting. I hereby put your organization on notice and would like to inform you that I never gave consent to this reporting this report being furnished by you on my behalf. 15 USC 6802 Gramm-Leach-Bliley Act, XXXX, Transunion and XXXX may not disclose as a financial institution non-public personal information to to a non-affiliated third party unless such financial institution clearly and conspicuously disclose to the consumer in writing or an electronic or an electronic form or other form permitted by regulations prescribed under Section 6804 of this title that such information may be disclosed to such third party right to opt out. your organization neither exercises responsibility with fairness and impart impartiality nor protects my right to privacy.15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. DELETE FRAUDULENT INQUIRES BY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. PLEASE DELETE FALSE AND DEROGATORY INFORMATION FROM MY CONSUMER CREDIT FILE NOW, THANK YOU!
Consumer complaint received 2023-12-07
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 (FL)

Hard inquiry from Capital one on XX/XX/ that I didnt give permission or recognized Institution Information CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX VA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Transunion is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.