davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
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. (MI)

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 ) has violated my rights. I want to emphasize that I never actually occupied the apartment for which I am being unjustly charged. Despite this, the apartment 's cost is affecting my credit report, and I have made multiple attempts to contest this with the relevant company. Their assertion that we reached a resolution is false, as no agreement was genuinely reached. I insist that the {$8300.00} collection by XXXX XXXX XXXX XXXX be promptly eradicated. The basis for this demand stems from fabricated claims of tenancy, as I never moved into the apartment. It's critical to note that no evidence has been presented to validate my occupancy there, despite my repeated requests for such proof. The actions of XXXX XXXX XXXX not only involve fraudulent activities but also jeopardize my well-being due to the unwarranted credit report, which is the sole obstacle preventing me from securing a safe living space. 

XXXX XXXX XXXX XXXX XXXX  ) has egregiously infringed upon my rights by incorrectly reporting 12 instances of late payments. This erroneous reporting has had a significant negative impact on my credit score, thereby impeding my ability to secure housing and obtain credit. Notably, this pertains to a school loan, which by its nature should not have been disclosed publicly without my explicit consent. Furthermore, given that I was actively enrolled in school during the relevant period, my loan should have incurred a XXXX monthly payment. 

I engaged in a conversation with a representative from XXXX XXXX who advised me to initiate a dispute in order to rectify this situation. I was assured that the late payments would be rectified and the account would be restored to good standing, rather than having 12 late payments inaccurately reflected on my credit history. I beseech that these unwarranted late payment entries be expeditiously expunged from my credit report. It's essential to underscore that my debt has since been consolidated and is no longer associated with XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-04-08
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. (TX)

I would like to dispute the following items off my credit report : Equifax : 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
Consumer complaint received 2023-02-17
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-18
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. (IL)

YOU HAVE VIOLATED FCRA 15 U.S. CODE 1681S2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES- ( 3 ) DUTY TO PROVIDE NOTICE OF DISPUTE & ( FDCPA 15 U.S. CODE? 1692E.FALSE OR MISLEADING REPRESENTATIONS ) YOU ALLOWED THIS DEBT COLLECTOR TO VIOLATE MY RIGHT. I ALREADY DISPUTED THESE INACCURATE ITEMS OVER 35 DAYS AGO AND YOU HAVENT NOTATED IT AS DISPUTED!!.
Consumer complaint received 2023-11-10
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

In accordance with the Fair Credit 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 Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX portfolio recovery XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX These accounts are hurting me to a decent life and to inquire property for me and my family
Consumer complaint received 2023-08-22
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. (ID)

I recently discovered that Equifax has included a bankruptcy on my credit report that has already been removed by XXXX ( removed in XXXX ). Despite having provided Equifax with documentation from XXXX confirming the removal of the bankruptcy, Equifax continues to report this inaccurate information on my credit report. I've disputed this several times with them and EVERY time they claim to have verified their 'accurate ' results with XXXX XXXX 

Furthermore, during my communication with Equifax 's customer representative on XX/XX/2023, I was informed that they require a letter from PACER ( Public Access to Court Electronic Records ) showing that the bankruptcy is no longer present. This requirement seems unreasonable and places an undue burden on me as a consumer, especially considering Equifax 's stated practice of verifying information through XXXX. 

This situation raises concerns about Equifax 's verification methods, their compliance with the FCRA, and their adherence to fair and accurate reporting practices.
Consumer complaint received 2023-06-08
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. (CA)

I am a victim of an identity theft, someone stole my information and opened a fraudulent account under my name. I have tried to fix this issue with the bureaus, I have tried to fix this issue directly with XXXX XXXX but no one seems to care. I have gone to the police and to the federal trade commission. At this point I am loosing my mind because i don't know who else to go to to get this fraudulent account from my credit report. Someone stole my information and opened this fraudulent account under my name.
Consumer complaint received 2023-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (NY)

CKS PRIME INVESTMENTS is reporting a debt of {$710.00} ... I XXXX XXXX have never had a contract with CKS..This is fraud and nothing more. CKS could never be a creditor as banks and financial institutions dont lend money or credit.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (LA)

I reviewed a copy of my credit report and I noticed that my student loans are reporting as negative. To my knowledge I am on a deferment plan and they should not be showing negative on my credit report. I have called to try to get this issue resolved on my account but I am unable to get it resolved. They stated that the information will show negative for 7 years, this is seriously affecting my report. I have not got proper notice that my deferment was about to end they just added that my loans have been 90-120 days past due and I just do not see how I can get a negative status when my loans have been deferred. This negative status is seriously affecting my report. If the transfer happened of my loans I am trying to get this information corrected because this is my history on my report and they should still be in good standing. I have not the notice of a transfer.
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (AZ)

In accordance with The Fair Credit Reportung Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX Accounts # XXXX ( XXXX XXXX ) XXXX. US DEPARTMENT OF EDUCATION XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX XXXX 15 USC 1681 Section 602A states I have the right to privacy 15 U.S.C. Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

13 U.S.C. 1681c ( 5 ) Section states : no consumer reporting agency ma y make any consumer report containing any of the following items of information, other than records of crimes which antedates the report by more than seven ( 7 ) 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 the information is accurate.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I never received an email from the company capital one that I was apart of the class action lawsuit. I stated to them on XX/XX/2022 that I mailed them the form and they stated they never received the form and it had to have a tracking number. The form was sent standard mail. I am eligible for the lawsuit according to captial one class action lawsuit. My data was compromised and they told me they could not help me
Consumer complaint received 2023-10-18
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. (MI)

I'm demanding Experian shall block the following accounts below from my consumer report pursuant to 15 USC 1681c-2 ( a ) no later than 4 business days of receipt. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so in the past. Your company is furnishing and reporting FRAUDULENT accounts on my consumer report I did not give Experian my written permissible purpose to furnish these accounts therefor Experian is involved in identity theft pursuant to 15 USC 1681b ( a ) ( 2 ) .Please block and delete the following accounts and information on my consumer report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Dept of ED/XXXX  ( XXXX )
Consumer complaint received 2023-05-31
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. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (MI)

Upon viewing my most recent consumer report, I saw XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-06-11
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. (TX)

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax Have violated my rights Due to the fact that they have misreported multiple things on this account ( XXXX ) which include the wrong account number, and the date opened.Account was previously disputed and nothing was done according to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX XXXX and Equifax Have violated my rights due to the fact it has been already 30 days
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/2020 Bank of America froze my checking account due to alledged " fraudulent activity ; subsequently seized {$7000.00} from my account with a partial from " unemployment pandemic funds " According to Bank of America I've been under investigation for 3 years and they never gave me a reference number to follow up with this issue.
Consumer complaint received 2023-10-18
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. (CT)

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 : DPT EDXXXX 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 2023-10-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (FL)

In XXXX of XX/XX/XXXX, I was furloughed from my job during XXXX. I was current with my home loan at that time, but due to my circumstances I requested information from Wells Fargo on putting some payments at the end of my loan. Once I began working again, I contacted them to resume payments. They said I had been placed in forbearance, which I did not request, and that they would send me paperwork I had to fill out to resume payments. They sent out papers in my married name, and I had been divorced for XXXX years at that time. In addition, the mortgage had always been solely in my name. 

When the papers finally came through, they had added a large lump sum payment for my loan to immediately be brought current all at once, before they would let me resume payments. I made my regular monthly payments anyway, and all were put in a suspense account. After some months, all payments were applied to the back months when my payments were suspended during XXXX rather than applying the missed payments to the end of the loan as I had understood. Wells Fargo then made it impossible through their app or their local branches for me to make any payments. They did this so that they could put my loan in arrears and began foreclosure proceedings, as my home had ( and has today ) substantial equity and they wanted the home instead of my payments. 

After a full year of effort, the expense for three lawyers, and all the funds in my retirement account, I paid the " arrears '' of {$34000.00} in full to resolve. As soon as I was able, I refinanced my mortgage with another bank. I then discovered that Wells Fargo had put an additional {$100000.00} in " silent second '' mortgages on my loan and my payoff was {$100000.00} more than what was documented on their paperwork for my loan. Though I was appalled, I paid the extra amount in my new mortgage just so I wouldn't have to associate with Wells Fargo anymore. The foreclosure record has harmed my credit and the legal action remains the top listing anyone sees when they XXXX my name. This has been the most financially devastating situation I have ever experienced.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

names are incorrect on my credit report should be only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please see police report, thanks
Consumer complaint received 2023-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!