davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
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)

I uploaded and mailed an Identity Theft report along with a personal handwritten letter pertaining to my complaint pursuant 15 USC 1681 C-2 ( Identity Theft/ Block ) with all required prerequisites for blocking. XXXX claims they did not receive an upload even though the system upload was successful. Several accounts were listed as fraud and 86 addresses as well as 4 different social security numbers. This is nothing more than a refusal to comply and a stall tactic. Therefore, I am requesting all accounts identified as fraud related be blocked immediately according to federal law. XXXX XXXX rejected the process to initiate a claim with documentation being received. They stated the information was not sent by me, even with personal handwritten letters. Equifax has extorted all documentation that was included with my packet, including my personal identification such as Social Security Card and Drivers License.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: W&A Intermediate Co., LLC (FL)

I was receiving daily calls during work hours. I finally had free time so I called them back. They stated I owed around {$1200.00} for a payday loan and that they already had a garnishment ready to be served. They said that the payday loan is from XXXX, but they had a bank and employer listed that I stopped working for before XXXX. They offered a settlement offer of {$1000.00}. I was unable to pay that amount. They offered 12 bi-weekly payments of {$170.00}. I asked for in writing, in an email. They denied my request and threatened to " just go ahead and have you and your employer served ''. I asked if the call is being recorded and she said yes. She also told me that if I didn't agree, then my debt would go up by {$5000.00}.
Consumer complaint received 2024-03-13
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)

ON XX/XX/XXXX I FOUND OUT THAT MY BANK ACCOUNT WITH XXXX XXXX WAS COMPROMISED. AS A RESULT, MY BANK ACCOUNT WAS CLOSED WHICH CAUSED PAYMENTS TO BE REJECTED. MY ACCOUNT WITH XXXX XXXX WAS REPORTED LATE, EVEN AFTER A TALKED TO A TFS AGENT ON XX/XX/XXXX AND THEY ASSURED ME THAT NO LATE PAYMENT WOULD BE REPORTED TO THE CREDIT BUREAUS IF I BRING MY ACCOUNT CURRENT, WHICH I DID.
Consumer complaint received 2024-03-13
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. (GA)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (PA)

I paid the company XXXX on the bill, and was told the account was closed, but it continue to add late fee and monthly maintanance fees every month. Even though I'm not using the card, in fact I was cut the card up, cause they told me it closed, but I still receiving a bill every month, it up to like XXXX now.
Consumer complaint received 2023-10-08
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. (GA)

In accordance with the Fair Credit Reporting act, XXXXXXXX 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 1692b acquisition of location information by debt collectors.
Consumer complaint received 2023-06-10
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. (NY)

I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate 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 below : XXXX XXXX XXXX Balance : {$490.00}, XXXX XXXX XXXXXXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$820.00}
Consumer complaint received 2023-10-12
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/2023, I wrote a letter to all three of the credit reporting agencies : XXXX, XXXX and Equifax. 
I submitted a dispute about a student loan debt by the Dept. of Education under XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transaction Act, the credit reporting agencies are to report the accuracy of a debt. 
According to the Dept. of Education and XXXX my student loan has been paid off in full. 
The credit reporting agencies are refusing to update this information because the information would lower my debt-to-debt ratio ; therefore, allowing to improve my over credit score. 
The information the credit reporting agencies have sent to banks and other financial institutions is especially unfair to minorities. I have been denied credit for this reason.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2023, I wrote a letter to all three of the credit reporting agencies : XXXX, Transunion and XXXX. 
I submitted a dispute about a student loan debt by the Dept. of Education under XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transaction Act, the credit reporting agencies are to report the accuracy of a debt. 
According to the Dept. of Education and XXXX my student loan has been paid off in full. 
The credit reporting agencies are refusing to update this information because the information would lower my debt-to-debt ratio ; therefore, allowing to improve my over credit score. 
The information the credit reporting agencies have sent to banks and other financial institutions is especially unfair to minorities. I have been denied credit for this reason.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

Called : XX/XX/23 XXXX, XX/XX/23 XXXX, XX/XX/23 XXXX ( on hold for over 2 hours ) -- could not get through to a person any time Emailed x1 no response
Consumer complaint received 2023-04-30
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: CBC Companies, Inc. (OK)

A credit dispute letter was sent to Innovis Consumer Assistance, ( XX/XX/2023 ) on my behalf regarding late payments that show on XXXX XXXX XXXX ( ACCT ending in XXXX ) and Freedom Mortgage ( ACCT ending in XXXX ) and the credit reports were not updated. 
XXXX XXXX XXXX has been paid in full and closed. Documentation was sent from XXXX XXXX was sent to provide the inaccuracy of the letter that was mailed. 

A second written request was mailed certified to Innovis ( XX/XX/2023 ) to remove unverified accounts listed above according to the Fair Credit Reporting Act, 15 U.S.C.ss1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ) and according to Fair Credit Reporting Act, 15 U.S.C.ss1681 Section 611 ( a ) ( 7 ).

No response has been given from Innovis Consumer Assistance at this point.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-10-08
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. (NV)

In accordance with the Fair Credit Reporting Act. The list of accounts below has Violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX acct : # XXXX, XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX acct : # XXXX, XXXX XXXX XXXX acct : # XXXX, XXXX acct : # XXXXXXXX XXXX XXXX  acct : # XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date : XX/XX/2018. 

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

! 5 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-04-30
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. (TX)

XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX You are in direct violation of the Fair Credit reporting Act 15 U.S. Code 1662b - Advertising of downpayments and installments. 
( B ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Consumer complaint received 2023-10-12
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)

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 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I have called and sent in many letters in regards to the records management systems in order to get clarity on my record with XXXX but to no avail i need help in order to fix the many erroneous errors on my reports. 

The erroneous errors found on my report are actually violations under the fair credit reporting act and i have attached them to this complaint to the cfpb not only for a resolution but to bring closure before i bring my attorney in for restitution and court costs for 20 years of sending letters and calls in regards to my credit. 

I have found ten ( 10 ) Violations on my credit report under the fair credit reporting act and the fair debt collections practices acts. My payment history is thirty-five percent of my credit score and this is not shown or reflected in the monthly payment legend on each account in my file. 

Under section 611 ( a ) ( 2 ) and section 1681 ( i ) is my right for modifications to my accounts open or closed to reflect a accurate credit history under the fair credit reporting act as well as Fair and Accurate transactions acts, Electronic Funds Transactions Acts by which i demand accuracy in my credit record. The fair debt collections practices act of time barred debt is what i am disputing under section 1681 ( c ) as well as section 609 of the actual contract and record with a signed signature. 

I have pulled my credit report from XXXX XXXX and i have made changes with ink on my report along with the changes in ink with the law that i am disputing on each account with the sections and the law for a complete understanding by which i am disputing in order to correct the erroneously errors completely that i have submitted to my attorney. 

I have attached pages 1/30-12/30 of my credit report so that you can see the errors on the report by the law of the FTC. I also dont want them to use e-Oscar on the investigations of my disputes so that if in thirty days they dont respond i want the account deleted from my credit report
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX are reporting missed payments to my credit bureau in my mortgage. when this information is not correct. Last year my loan was in loss mitigation and for this reason the bank did not allow me to make a payment. but they are reporting it as missed payments without this being true. 
I come to you to help me correct this. I have called XXXX XXXX several times and they do not finish correcting this situation.
Consumer complaint received 2023-10-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A. (GA)

PNC Bank allowed a fraudulent withdrawn from my Heloc for approximately XXXXXXXX XXXX XXXX I alerted them that an unauthorized account had established a online link to the account. 

I spent XXXX XXXX hours on the phone XXXX PNC to let them know the account was not authorized, then a week later they allowed them to withdraw the money. 

Now PNC wants me to make payments on the XXXX XXXX loan! 

PNC needs to pause any and all required payments now and then redeposit the funds.
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is 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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

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 account under an open consumer credit plan as late for any purpose. 


CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX CAPITAL ONE : ( XXXX - XXXX, XXXX, XXXX, XXXX, XXXX ) CAPITAL ONE : ( XXXX - XXXX, XXXX, XXXX ) CAPITAL ONE : ( XXXX - XXXX ) - XXXX Payments missed reported Different Account CAPITAL ONE : ( XXXX - XXXX, XXXX, XXXX ) - 3 payments missed reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  : ( XXXX - XXXX, XXXX ) - 2 payments missed reported XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ( XXXX XXXX XXXX XXXX - 2 payments missed reported
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm writing to bring to your attention the presence of fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have unfortunately fallen victim to identity theft and have acted immediately by reporting this incident. 

It is of utmost importance to address this matter promptly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a comprehensive investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation.
Consumer complaint received 2023-10-12
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. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.