davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Grain Technology, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XX/XX/24 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the 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 date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-14
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. (NJ)

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The following accounts I have disputed on multiple occasions. I did not have accounts with the following companies yet they still are on my 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
Consumer complaint received 2024-03-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

On XX/XX/2024, the account was brought current with a debit card payment made over the phone in the amount of {$610.00}. On XX/XX/2024, the account was reflected as current. Despite the account being reflected as current, I received a call from a PHEAA representative asking me to pay what was past due. At this same time, the associated checking account had a cleared charge for {$610.00} that was processed a day prior. This is what caused me to call in to PHEAA to ask why I was still receiving phone calls despite a payment being fully made a day prior. This is when I got PHEAA XXXX XXXX on the phone. The details of that conversation are in a separate complaint, because that complaint in and of itself should be separate based on the behavior of the employee. 

It's bad enough that PHEAA can not document their system properly to prevent calls from going out once a borrower makes payments. This adds another layer of distrust to the ongoing trust issues created by this XXXX. But for an employee to act in such a way that would annoy anybody just because a borrower calls in to voice their concerns makes the entire situation even more burdensome. 

As a side note, the representative who submitted the complaint against XXXX XXXX XXXX XXXX, was a representative who kept me on hold for a long period of time because I told her I did not wish for her to submit a complaint because I had submitted a complaint on her a few days prior. Both employees had a non-friendly demeanor and it would appear they were attempting to get me to hang up by being sarcastic or keeping me waiting. All this behavior, and these employees get paid. I feel sorry for the next group of people who have to deal with either of these employees.
Consumer complaint received 2023-04-18
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. (FL)

In accordance with the Fair Credit Reporting Act, US DIST CT ACCT XXXX, XXXX XXXX XXXX Acct- XXXX, XXXX XXXX XXXX XXXX ACCT : XXXX, XXXX XXXXXXXX ACCT : XXXX, XXXX XXXXXXXX acct XXXX, XXXX XXXX XXXX XXXX XXXX acct XXXX, XXXX acct XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Note I have reached out to directly to XXXX for the original signed contract and they can not provide I request deletion of this debt from my credit file.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I disputed with Equifax on XX/XX/24 about the public record showing in my credit file. ( # XXXX record ) On XX/XX/24 they said the info was verified by XXXX and was accurate. I have a letter from XXXX stating the info is not accurate nor is it in my file. I have sent this to Equifax, XXXX, And XXXX. XXXX and XXXX removed it but Equifax refuses to remove it. 

I am writing to express a serious concern regarding Equifax 's refusal to delete an inaccurate public record from my credit report, despite providing evidence of its inaccuracy. This erroneous information has had a detrimental impact on my credit standing and financial well-being, and despite my efforts to rectify the situation with Equifax, the issue remains unresolved. 

The inaccurate public record in question is [ describe the specific public record, such as a judgment, tax lien, or bankruptcy, and provide details about the evidence you have to prove its inaccuracy ]. Despite presenting compelling evidence that the public record is indeed inaccurate, Equifax has refused to take the necessary steps to remove it from my credit report. 

I have made repeated attempts to work with Equifax to resolve this matter, including providing documentation that clearly demonstrates the inaccuracy of the public record. However, I have encountered significant challenges in having this issue addressed, and the refusal to delete the inaccurate public record continues to harm my creditworthiness and financial standing. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that Equifax upholds its responsibility to accurately report consumer credit information. I urge the Bureau to investigate this issue and compel Equifax to take the appropriate actions to remove the inaccurate public record from my credit report without further delay. 

I am enclosing copies of the evidence that substantiates the inaccuracy of the public record for your review and consideration. I would greatly appreciate any assistance you can provide in facilitating a resolution to this pressing matter. 

Thank you for your attention to this issue, and I look forward to your prompt intervention and support in addressing this critical concern. 

Sincerely,
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MA)

This complaint is related to XXXX and XXXX. The company states that they have closed my Citi Double Cash Mastercard and because it had been inactive, it was closed. I have never had a Citi Double Cash Mastercard.This response is totally fraudentlent, and I am requesting that my credit be restored. Additionaly, I demand {$5000.00} in damages, should fraudulent situation end up in superior court here in XXXX, It will beten times larger. I had consistely been inundated with mailers to sign-up for a City Simplicity Mastercard. When the mailers became excessive, that is when I signed up for this card on-line. I believe that my comnplaint is strong and I will be victorious.
Consumer complaint received 2024-04-16
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. (GA)

Despite my diligent efforts, these issues persist unresolved. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' It's crucial to note that I take this matter very seriously. Should you opt not to address my original request, sent via certified mail, I will not hesitate to escalate this matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.
Consumer complaint received 2023-12-07
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Name : XXXX XXXXXXXX XXXX  Account XXXX This account is an identity theft and was opened without my authorization. 

Please deleted this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 
Section 1681i Obligations of credit reporting agencies : Dispute Investigation : When a consumer disputes the accuracy of the information contained in his or her credit report, this section establishes the credit reporting agencies ' obligation to conduct a full and fair investigation or reinvestigation. 

Notification or removal of incorrect information : If during the investigation it is found that the information is inaccurate or can not be verified, the agency must correct or remove the incorrect information in the credit report.
Consumer complaint received 2024-04-16
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. (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681, I told the experian, XXXX, and XXXX credit reporting agencies to reinvestigate these accounts. However, they stated everything was complete and accurate, but how is that possible if the open date of last activity and more is incorrect? I'm asking for debt validation with my signature for each company i list. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ALL HARD INQUIRIES to 15 USC 1681 I. 5, they are supposed to modify accounts that are not reporting. Correctly, 15 USC 1681 section 602 A, states I have the right to privacy. 15 USC 1680 1, section 604 ( A ) section 2. States a reporting agency can not furnish an account without my written instructions. 15 USC 1681. C, a it, 5 states. No consumer reporting agency can make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions? Or crimes which antedates the report by more than 7 years. 15 USC 1681 's. - 2 ( A ), ( I ) A person shall not furnish any information relating to any consumer reporting agency. If the person knows or has reasonable Cause to believe that the information is incorrect or inaccurate. If these companies are not removed off of my credit report I will have no choice but to take an action of recourse. Thank you for your cooperation.
Consumer complaint received 2023-06-12
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. (FL)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

The loan servicer has made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued notices of default for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. The servicer is not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program. The servicer denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submitted loan modification many times and Ocwen continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by the servicer. The servicer is subject to an existing Settlement Agreement with my state 's Attorney General, and my loan is eligible for coverage under that order, but the servicer denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home.
Consumer complaint received 2023-03-26
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. (FL)

I am interested in processing disputes on my credit report with eqiuifax. alot of data is inaccurate an needs to be removed asap. please review the information to clear my file so all reports can be cleared.
Consumer complaint received 2024-04-16
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. (FL)

XXXX XXXX XXXX is hurting me my credit report negatively when under the FDCPA they must send me a validacin of the debt : Original creditors full mame and address Date your company purcharse said debt Amount you paid for said, debt date of last activity/payment if any This is an official request validation, debt should you be unable yo provide such proof and contine to report negatively against my credit. I will take legal action.
Consumer complaint received 2024-03-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (MO)

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. 
Zion Debt HOLDINGS, has violated my rights. 

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

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.

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws.

Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2024 I responded to a mailer from Capitol One and applied for a credit card. I received an email on the same day saying I was approved for the card with a {$3000.00} limit and my card was on the way. On XX/XX/2024 I received my card, but when I attempted to activate my card I was told I needed to submit additional documentation due to a fraud concern and someone from Capitol One would contact me within 10-14 business days after receiving my documents and I could use the card when the fraud concern is lifted. I submitted the required documents the same day XX/XX/2024 but nobody contacted me. I called Capitol One today to check the status of my account, only to be told that the fraud concern had been resolved due to the documents I submitted, but that I still can not use the card because I need to submit documents to verify my income. This is highly misleading and deceptive, if additional documents were needed to approve the card then Capitol One should have been transparent about that instead of sending me an email and credit card with an approval letter. This is a complete bait and switch, Capitol One should not tell customers they're approved for credit cards they can't use. I refuse to reward Capitol One 's behavior and will no submit any additional documents, and my credit score will be damaged when this account is closed by Capitol One. Capitol One should have never opened the account to begin with if additional information was required and as a consumer I'm being harmed by their deceptive actions.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/22, XX/XX/22. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :