davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

XXXX, XXXX, Experian are reporting an unverifiable bankruptcy on my credit report. On XX/XX/year>, I spoke with a representative at XXXX and they confirmed I have NO bankruptcy on file. I would like each credit reporting agency to remove this bankruptcy from my report immediately. I have letters from the United States Bankruptcy Court and from PACER that they do not report to credit reporting agencies. There is no way for XXXX, XXXX, Experian, or XXXX to verify this.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (TX)

These creditors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Dear CFPB, Navy Federal Credit Union is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. ( I contact NFCU customer service directly on a recorded phone. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX  SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health XXXX XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) For the Following : Accounts NAVY FEDERAL CR UNION XXXX # XXXX XXXX Loan Loan Department XXXX XXXX XXXXXXXX XXXX VA XXXX Contact date : XX/XX/XXXX XXXX Limite : {$500.00} NEVER /LATE : Before Covid-19 ( XX/XX/XXXX ) NAVY FEDERAL CR UNION XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Date : XX/XX/XXXX Credit Limit XXXX {$500.00} NEVER /LATE : Before Covid 19 ( XX/XX/XXXX )
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 2024-01-18
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
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. (PA)

I noticed unauthorized and fraudulent inquires on my credit report. Those inquires consisted of the following. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (FL)

I opened a secured credit card with XXXX XXXX in XXXX of XXXX. During the COVID-19 pandemic. I closed this account and received some of my initial deposit into this account back. For the past 2 years, XXXX has not provided verification of documentation and I have requested this documentation of the account from open to close, showing where they sent me money back after I closed the account, but I have failed to receive any of said verification of documentation from XXXX  or Equfiax which makes this information inaccurate. XXXX XXXX XXXX  took my rights as a consumer and decided to make my account a profit/loss write off. XXXX XXXX XXXX reports the status to Equifax as : Account charged off. {$45.00} written off. {$61.00} past due as of XX/XX/XXXX. Status was updated XXXX XXXX Credit Usage 110 % with a credit limit of {$100.00}. Past Due Amount of {$61.00} and a Highest Balance of {$150.00}. But no monthly payment is reported nor are the terms. The 24 month payment history currently reflected on my Equifax file have NO payment history only that XX/XX/XXXX the account was charged off. I've requested documentation from XXXX XXXX XXXX  and have failed to receive documentation. Section 623 ( a ) ( 8 ) Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. ''
Consumer complaint received 2024-04-06
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. (TX)

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 2024-04-06
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. (IL)

I have reviewed my consumer report and noticed one late payment on an account for which I have never been late. Consumer reporting agencies play a crucial role in accurately reporting consumer information. I have never missed a payment for the account mentioned in my complaint dated XX/XX/. Please investigate and provide evidence, such as statements, demonstrating these alleged late payments. If no proof can be provided, I request that these payments be updated to reflect that they were paid as agreed and on time, as I have always been punctual. Thank you! Please find the attached screenshot.
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (OR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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.

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 2024-01-17
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)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit effective immediately. 
I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to correct this data breach. 
Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXXXXXX XXXX  account # XXXX {$99.00} XXXX XXXX XXXX XXXX  account account # XXXX {$520.00} XXXX XXXX XXXX account # XXXX {$870.00} XXXX XXXX XXXX account # XXXX {$4600.00} XXXX XXXX XXXX hard inquiry Incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX La. XXXXXXXX XXXX XXXX XXXX XXXX  La. XXXX XXXX XXXX XXXX. XXXX, La. XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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.

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 2024-01-17
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. (TN)

Equifax had a data breach back in 2017. In that breach my non public private information was stolen such as name, ssn, d.o.b., address, phone number, and DL #. In this trespassing I have been having trouble getting approved for loans, lines of credit with a fair apr % rate, and deformation of my credit worthiness which is very unfair and abusive. To add to insult of injury Equifax didn't notify me of this data breach settlement. I had to find from XXXX XXXX This should fall under UDAAP. This is not acceptable to me as a consumer!
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION ()

I purchased a condo on XX/XX/XXXX in XXXX XXXX NY with my late husband. the mortgage for {$120000.00} was done through XXXX XXXX XXXX XXXX for {$690.00} monthly. 
I have continued to pay this directly from my XXXX account monthly. 

I currently live in XXXX and received a letter dated XX/XX/XXXX ( received XX/XX/XXXX ) from M & T Bank that my mortgage was 50 days late and I owed over {$5100.00} ( this does not compute with my monthly payments of {$690.00} ) and I was risk of foreclosure. 

I called at XXXX XXXX EST on XX/XX/XXXX to discuss this issue and was told I WAS NOT AUTHORIZED ON THE ACCOUNT. the letter was addressed only to me not my late husband and the mortgage was in both name but i was repeatedly told I was not authorized. During all 3 conversations I had with M & T they stated that inorder for me to be authorized to be on my own mortgage I was required to fax my late husbands death certificate and probate documents wait 5 business days and then call back in to find out if they would then speak to me. that they would not contact me at any time to tell me they did or did not have all the information required. 
When trying to contact XXXX XXXX XXXX XXXX I found out M & T has taken over all of XXXX XXXX XXXX. my mortgage payments have been accepted each month to my XXXX XXXX account. 
I spoke to M & T 3x with the last call taking place at XXXX XXXX est ( XXXX XXXX AEST ) requesting that the supervisor XXXX XXXX to look on the XXXX County Clerk website to show that I was on the mortgage. He refused and stated even if he was to see that he was would still not be authorized to speak to me because I was not on the mortgage. At that point I stated I would be reporting M & T actions to the NYS Attorney General office referred me to the CFPB do to the level of this issue.
Consumer complaint received 2023-03-25
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. (MA)

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.SXXXX 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 2024-01-17
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. (CA)

I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the CRRG. 

Deviation from these standards jeopardizes the integrity of the data, as emphasized in the CRRG. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may lead me to escalate these issues to the CFPB, FTC, and my Attorney General.
Consumer complaint received 2024-04-06
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)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MS)

On XX/XX/XXXX, XXXX closed my account without notifying me. I had an instacash payment from them that is stated in their terms I am not obligated to repay. Since my account was deleted without me knowing, I don't have documentation of my request to stop payment. XX/XX/XXXX they charge my Chime. XXXX I dispute with Chime and follow up with XXXX via email. After informing them the money is for Mom 's medicine, they replied that the payment was returned and no further attempts to collect would be made on XXXX. Dispute is denied with request for supporting docs, none rec 'd. Filed 3 rebuttals to date, the latest being now with others denied with no docs. XX/XX/XXXX XXXX confirms the payment was returned via email. Apparently they are either not communicating or I'm being given different information. I've been told by chime that they saw no attempts to return, and others said they see the attempt but chime did not accept it and even had supervisors tell me there was no attempt made and hung up on me. I feel Chime has dropped the ball, as my supporting evidence is indisputable but apparently overlooked. Furthermore I feel as though Chime should provide me with a credit and reach out directly to XXXX strictly about the transaction and not the dispute and get this resolved. I'm at almost 3 weeks waiting now.