davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have repeatedly notified EQUIFAX that they have violated my Consumer rights multiple times under 15 USC 1681 ( B ) ( C ), 15 U.S.C. 1666b ( a ), 12 CFR 1016.4a and 15 USC 1602 ( b ) just to name a few, and have requested for them to remove the disputed items which are in direct violation of my rights as a consumer, and they have refused to respond or acknowledge my request. I have sent all notices via certified mail, both to the CEO and the dispute department, requesting them to resolve this unlawful violation within 15 days, and no response has been given. These credit bureaus seem to think they can just violate our rights at will, and then ignore us when we attempt to lawfully hold them accountable for it. Congress put the United States Code and XXXX XXXX XXXX  in place for this very reason, to protect consumers from corrupt corporations such as EQUIFAX trampling all over our rights in order to create a monopoly over credit scores. This is both unlawful, unconstitutional, and most importantly, unrighteous. 

The disputed items are : HARD INQUIRES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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. (TN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-10-16
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. (LA)

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 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 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (PA)

Transferred to MOHELA from XXXX. Payment listed are incorrect and have not been able to get correction via phone or email. Transition to SAVE was not performed despite recertification attempts. payment due listed on FSA differs from payment listed on MOHELA.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (OH)

The mortgage company did not pay the property taxes for the year of 2022. The escrow was not assessed correctly because when they first obtained the mortgage they used my home address ( for which there was no mortgage ) instead of the property address. When they FINALLY fixed the address to the correct property they did not update the tax bill address, and were not paying the correct county. I had no way of knowing they were not paying the correct county out of the tax escrow. REPEATED attempts to get the correct taxes paid to the correct county have been unsuccessful. None of this was an issue withe the original mortgage company. It was when the mortgage was bought by Loan Care that the trouble began. They have not done the due diligence to correct this issue and it has cost me time off work and has damaged my financial reputation.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX Account XXXX  XXXX Balance {$12000.00} Does not belong to me
Consumer complaint received 2023-10-16
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. (LA)

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.

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 inructions 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 2023-10-16
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. (TX)

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 U.S.C 1681 Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX Acct # XXXX Account Name : XXXXDept. of Education Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX  Account Name : XXXX. XXXX XXXX Acct # XXXX Account Name : XXXX XXXX  XXXX  Acct # XXXX Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Section 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 adverse item 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 cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: InDebted Corporation (CO)

I made an agreement with the debt collection through XXXX XXXX  to pay a monthly payment for the agreed total amount that I owe they refuse to send me a copy of the agreement of the amount remaining and the monthly payment I called XXXX XXXX  and talk to XXXX who is the debt collector he says I don't have any right to a copy of any of that and refuse to give a copy to me.
Consumer complaint received 2023-07-24
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I CHECKED MY CREDIT REPORT AND I SEEN SOME IN ACCURATE INFORMATION. ACCORDING TO THE FCRA ALL INFORMATION MUST BE 100 PERCENT ACCURATE. THIS ACCOUNT IS NOT REPORTING ACCURATE. I SUBMITTED PROOF THIS IS NOT CORRECT 15 U.S.Code 1681e ( b ) These accounts are in violation of not reporting 100 % accuracy.

15 U.S.Code 1681i ( 7 ) Method of verification- These accounts are in violation. It was reported without valid evidence.

The accounts that I am referring to are listed below : 1. Under 15 U.S.CODE 1681e ( b ) and 15 U.S.CODE 1681i ( 5 ) this account is in violation and is not reporting 100 percent accurate XXXX XXXX Account Number : XXXX THIS ACCOUNT # : IS NOT 100 PERCENT ACCURATE MONTHLY PAYMENTS : IS NOT 100 PERCENT ACCURATE BALANCE : IS NOT 100 PERCENT ACCURATE HIGH CREDIT LIMIT : IS NOT ACCURATE LAST REPORTED : IS NOT 100 PERCENT ACCURATE DATE OF LAST PAYMENT : IS NOT 100 PERCENT ACCURATE IVE ATTACHED PROOF 2. I had never even heard of this company before! I also dont have any contractual relationship with this company COLLECTION AGENCY THATS REPORTING THIS DEBT. I SENT A LETTER ASKING FOR A CONTRACT WITH MY WET SIGNATURE. THEY NEVER SENT IT. PLEASE DELETE XXXX XXXX XXXX XXXX  Account Number : XXXX Please DELETE it from my credit report.
Consumer complaint received 2023-07-24
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. (OH)

I spoke with a representative named XXXX with XXXX XXXX in regards to making a correction on my credit report to remove the following delinquencies : XXXX XXXX Account # XXXX XXXX days past due for XX/XX/2023, XX/XX/2023 and XXXX days past due. 

Representative promised to remove said delinquencies. Attached is also a letter received from XXXX XXXXXXXX dated XX/XX/2023, promising to remove said delinquencies. No action to remove the items has been taken or no corrections have been reflected on my report.
Consumer complaint received 2023-10-16
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (SC)

On XX/XX/XXXX Carvana and I entered into a legally binding contract for the consideration of a XXXX XXXX XXXX which I signed a promissory note for and registered with a UCC1 financing statement. Carvana is illegally requesting down payments from their customers, breaching their contracts and violating several Federal regulations and statues including the TILA and FCRA. I was sent a letter of denial for my credit that is rightfully mine with NO reasons for the denial. Carvana willingly and knowingly violated my rights and needs to remedy the situation by delivering my vehicle before I file suit against Carvana.
Consumer complaint received 2024-04-05
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)

On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX and XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them.

I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have been dealing with this issue sense XXXX of 2023 and these accounts do not belong to me at all because they were caused by identity theft/fraud. I am a consumer and I know my rights. This is in violation of 15 usc 1681 b and that is unacceptable.
Consumer complaint received 2023-10-13
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. (NY)

I appreciate the time the TransUnion did to remove some items I asked them to remove. However, I found that the negative accounts were still in reporting in my Credit Reports. And I have requested the Credit Bureaus to remove them along with the previous items in my complaint dated XX/XX/2023 and XX/XX/2023, but only TransUnion remove some items and XXXX remained unattentive of my request. Once more please see the items I listed below FOR REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Repeated calls and reneging of previous deals reached, speaking of threatening my life with the credit mark until XXXX, abusive and profane language and insinuations about me. I want to pay off the debt for the lowest amount, we agreed on XXXX or so and now it is XXXX or so.
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX CAPITALONE XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CAPITALONE XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IL)

BMO Harris bank close my account sent available funds in the account to Unclaimed property. They asked me to provide a hold harmless form from the financial institution. the branch manager from the financial institution, XXXX speak with BMO fraud specialist XXXX, She stated she dont doesnt know why theyre holding money and she request for manager it has been a month. I still havent received a call from a manager, the ACH credit was endorsed to the business account. There was no reason to close the business account. There was no fraud detect Im requesting a call from a manager
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I submitted a dispute to the credit card Company Chase, and they told me the amount charged would be removed from my account in 14days. I called back to check in on the dispute, and they stated an internal error caued the dispute not to be resolved, and it would take another 14 days to process. Then they still didnt remove the fees from my account. This is Fruad!!! 14 days is 14 days! They need to immediately remove the charge and credit my account. If my credit is affected by this, and I fail to get a home because of this, I will sue!!!
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I made multiple payments in XXXX for my XXXX XXXX for the month of XX/XX/2023. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : The CFPA established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. XXXX claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.