davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

as of XX/XX/XXXX i have noticed fraudelent accounts on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (OH)

I am requesting to have these inquiries removed from my credit report. 

They aren't attached to me in anyway. 

XXXX XXXX. Bank credit cards. 
XXXX XXXX Bank credit card. 
XXXX XXXX XXXXBank credit card. 
XXXX XXXX XXXX Bank credit card. 
XXXX XXXX XXXX.
Consumer complaint received 2023-09-24
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. (NY)

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 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 2023-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Adjustment Service, Inc. (DE)

one of my insurance company adjunctments sent me {$300.00} for the credit however they later claimed hat i had to pay back this amount due to mistaken information. They did send me a letter saying that I have to pay back this amount {$310.00} but i disagreed because they made all of the information as a mistake.
Consumer complaint received 2024-03-19
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. (IL)

Upon reviewing my quarterly credit report, I've observed that my charge off with XXXX XXXX still maintains a balance. Further investigation revealed that when an account is charged off with XXXX, Experian, and XXXX, it should indicate a XXXX balance. Since this debt has been officially written off, I kindly ask for your cooperation in updating the balance to {$0.00} with XXXX, Experian, XXXX, and XXXX XXXX. It is incorrectly effecting Debt to Income Ratio ( DTI ). 

Additionally, I have made multiple requests to XXXX XXXX for a 1099-C, as required by the IRS when a debt of {$600.00} or more is charged off. Despite this, I have yet to receive the necessary documentation. Furthermore, I've requested a comprehensive payment history leading up to the debt 's write-off, as well as a copy of the terms and conditions at the time of charge off. 

Your prompt attention to these matters would be greatly appreciated.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTHXXXX XXXX. MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Regarding XXXX ticket # XXXX : Addresses where I have lived : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX NV XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Occupation : XXXX XXXX XXXX XXXX XXXX  My credit report must be accurate because it has an impact on my livelihood.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Hello I want this debt collection from citizen bank of {$630.00} to be removed. XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in a connection with the collocation of any debt. 
XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 
XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contexts of any communication effected by the mails or telegram that XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in a connection with the collocation of any debt. that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Consumer complaint received 2019-03-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MO)

was promised by mr. cooper finance company as part of the agreement to refinance my loan that they pay off an existing loan I had with XXXX XXXX in the amount of XXXX dollars but they did not pay that and when I call them I get no answer and no return call from them. mr. XXXX XXXX was the man who promised me this. loan # XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

It has come to my attention that there are errors on my credit report. The account number XXXX XXXX XXXX XXXX amount XXXX usd. I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXX Vs XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. 
That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.
Consumer complaint received 2024-03-19
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. (CA)

I have spent months disputing XXXX charge-off accounts fraudulently reported by XXXX XXXX XXXXXXXX and XXXX XXXX , which do not belong to me and are illegally being reported on my XXXX report as well as my Experian report. However, XXXX has deleted both items as the creditors reporting on the reports asked for it to be removed as it is fraudulent and illegally being reported and was a clear case of identity theft. I have submitted countless documents as supporting documentation including an approved police report, an affidavit, an identity theft FTC report, along with proof of identity with a valid government issued photo ID along with a social security card/passport over multiple disputes. I have asked for method of verification that XXXX is using to validate the debt and keep furnishing information that is not mine and is ALREADY DELETED BY XXXX, which i will provide as such as I pulled my most recent XXXX report yesterday, XX/XX/2024 so it as recent as possible. The reports between XXXX, XXXX, and Experian are almost identical outside of the two charge-offs being reported on XXXX and Experian and not on XXXX, which did the correct thing and deleted a wrongful, fraudulent account from my XXXX consumer report. I will provide proof that XXXX does not show the charge-offs and have been removed and I ask thst CFPB either make XXXX provide me complete documentation of every person they spoke with at XXXX XXXX XXXXXXXX and XXXXXXXX XXXX and when along with paperwork provided with original contract, wet-ink signature, proof of IP address of application, and correspondence sent through the many months of dispute process that I received at the proper current address via certified mail or return receipt with signature proving I received any such correspondence of the debt or the requested information. XXXX could not obtain such information from XXXX XXXX XXXXXXXX and XXXX XXXX  and deleted the charge-off accounts from my credit report, I ask the CFPB do ensure XXXX does the same as I know they can not provide that information without lying. HOW CAN XXXX DELETE AN ITEM AND XXXX CONTINUE REPORTING THE SAME EXACT CHARGE-OFF ACCOUNTS?? THaAT IS ILLEGAL. They might not share information, but they are required to follow laws and report the same information otherwise somebody, somewhere is lying and I will not tolerate it.
Consumer complaint received 2024-03-18
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. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I first reached out to diversified consultants back in XX/XX/2016, asking them to provide me with the original contract with my signature, because this debt is not mine. They then in XXXX provided me with someones phone bill with my name name on it. I then advised them again in XXXX to please provide me with the information I requested and at this time I also advised them that there was no way this debt could be mine because I was in the va XXXX XXXX XXXX XXXX at the time the dates are listed on the phone bill provided. To this date I have not heard a response. This needs to be removed from my credit file.
Consumer complaint received 2023-02-21
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. (CA)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are multiple unauthorized inquiries on my credit report that are hindering me from opening new credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602A. 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

My XXXX loans were transferred from XXXX to XXXX in XX/XX/2023. I have repeatedly asked XXXX to reflect on my credit report that my loans have been transferred, but they are still reporting them as open - so it looks like I have double the amount of current student loans. I have provided documentation as well to all 3 credit bureaus. 2 have fixed it, Experian continues to let this go on. I have contacted XXXX and Experian both - each of whom point the finger at the other and will not resolve this issue. I almost was unable to buy a home because of this.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (MA)

I have been a victim of a massive identity theft and sent all asked for and required documents to Amazon Chase and they told me I would have a new card with all charges reversed within 4 days and never followed thru. They closed my account
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sold apartment in NY put {$30000.00} down on house and put in my husband name ONLY as his income was better for a fixed mortgage my husband for XXXX  years.He owned company in XXXX and commuted. He died in XXXX XXXX which is suspicious, due he was arriving in USA next day his daughter put divorced on death certificate.. my family flew down Immediately.. I was deleted at home called XXXX and said he died they gave me no help.. His daughter took all information from his lap top and said she was me.my attorney called XXXX to not refinance.. there was a tax lien on house which I was trying to handle XXXX I received paperwork from XXXX in email telling me refinancing and IRS was included. XXXX was very difficult.. I proved continual married and our Attorney helped my sister and I pay off mortgage they had no right going in my credit report XXXX  never called me.. my XXXX attorney ihas proved fraud that there was no divorce and they are being served by a judge. I HAD NOTHING TO DO WITH XXXX AND THEY ALMOST GAVE MY HOME TO A THIEF.. 
I WANT THEM OFF MY Credit REPORT NOW I WILL TAKE LEGAL ACTION ON XXXX. I AM XXXX and THIS IS IDENITY THIEFT, and XXXX IS INCOMPETENT
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (GA)

All 3 credit bureaus have not provided proof from the holder ( XXXX XXXX XXXX ) of verification from the holder regarding a bankruptcy.