davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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)

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 t
han 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 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

XXXX from the state of Connecticut along with me sent grands and funds to bring the loan current # XXXX. 
The lack of professionalism, communication and discrimination against my homeowners mortgage loan are delaying the process. XXXX and my self had reached out PHH in numerous times and weve been ignorance By the company. It is unacceptable, PHH has to return money back to my checking account and Phh had failed to work with me and XXXX.
Consumer complaint received 2022-12-08
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. (TX)

FCRA violations : accounts are not mine XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Account charged off. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2.00} FCRA violations : not my addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, My name is XXXX XXXX, I am writing to request these items to removed from my credit report. 

1 ) Incorrect Employer : XXXX The correct employer should be : XXXX XXXX XXXX XXXX Please update 2 ) Late Payment from XXXX XXXX XXXX XX/XX/XXXX Account number XXXX XXXX ) I do not recognize these inquiries, I would like to remove them from my credit report XXXX Inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (MO)

Ally is still showing on my credit report XXXX later stating my first delinquent was XXXX XXXX but that should be in XXXX this acct should have need removed last year but still showing and showing negative on my credit report
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I deposited my paychecks on XX/XX/XXXX, as usual at the bank. On XX/XX/XXXX they returned several items and still had a hold on my funds. When I called I was transferred to the fraud department where a supervisor named XXXX said the hold was placed per regulation CC and could take XXXX business days
Consumer complaint received 2024-06-11
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: EQUIFAX, INC. (TX)

I dispute the inquiry listed on my credit report as I did not authorize it. According to 15 U.S.C. 1681, section 602A, I am entitled to privacy rights, and under 15 U.S.C. 1681, section 604A, Section 2, it is clearly stated that a consumer reporting agency can not furnish an account without my explicit written instructions.

As I did not provide authorization for this inquiry, it is in violation of my privacy rights and the aforementioned statutes. I request that this unauthorized inquiry be promptly removed from my credit report to ensure its accuracy and compliance with federal regulations.

Thank you for your attention to this matter, and I trust that you will take the necessary steps to resolve this dispute in accordance with the law.
Consumer complaint received 2023-10-24
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: DISCOVER BANK (PA)

On XX/XX/XXXX my identity was used by an unauthorized party to attempt to open lines of credit with Discover Financial SVCS and XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Discover wrote me a letter, reference number XXXX stating they completed their investigation and would remove the hard inquiry from my credit report. They also stated it would take up to 60 days for it to be removed from my credit report. 

It has been 259 days and this hard inquiry is still on my XXXX credit report, hurting my credit score. 

As for XXXX XXXX XXXX XXXX, I couldn't even get to their Fraud department. Instead I reached XXXX or XXXX. When I called on XX/XX/XXXX, I was told that the head of account solutions would contact me. 
They never did. 
I called back XX/XX/XXXX, and was told they were in the middle of physically moving between buildings and that someone named XXXX would get back to me. 
XXXX never got back to me. 
The phone number for XXXX is XXXX XXXX XXXX.
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I wasn't able to pay on my credit card ( XXXX XXXX XXXX ) bill, as I had lost my job. It then went into collections, and another company started calling my phone at least once a day to retrieve the debt. I had no agreement with this other company, LVNV funding, LLC. They then sent me a date for court. I sent them a letter to validate the debt that I was owed, and did not receive anything within 7 days. In the meantime I did not go to the court date, as I found work and couldn't afford to take the day off, as I was new at the company. I know have a court ordered judgment
Consumer complaint received 2023-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I did not open the credit card from XXXX XXXX XXXX, the debt collector is after me because they think that i opened and used this credit card but I haven't. they were a result of identity theft and I wasn't aware of this until I accessed my credit report. 

i was outside the country when the credit card was used. 

I filed a police report and brought the issue to court but the suspect comitted perjury, lied to the judge by using empathy and denied all 10 credit cards that he opened under my name and made a promise to repay those credit cards.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (NY)

I received notification from family members/relatives that a company called and left a robo message stating I had to go to court. My relatives stated that a man stated he was an attorney and he was trying to serve me a summons. One of my relatives are disabled and contacted them as well but this relative just got their phone number. The impersonated attorney stated they got the number from a previous employer from XXXX XXXX. I contacted the Library because it was stated they served the library with my summons. The staff at the library stated they would never give out informatio to anyone, and no one went there with any papers. My relative started asking more questions and the law firm stated if I did not reach out to them they were going to send the summons to another employer listed as the government in Washington DC. and the file number is XXXX. The lawyer stated a civil complaint is against my license and was used to get something. I XXXX  this firm, but its not a lawfirm it looks like a debt collector by the name of XXXX and XXXX and their number is XXXX. They stayed the lawyers name is XXXX. I contacted all the courts in New York and they stated do not give any information to them to make a complaint. The courts stated a summons would be with the court and the file number they gave is not in the system. The court stated to ne thar anything against my licesnse would be through Department XXXX XXXX XXXX and they would be able to recieve my current information if it was licences number..This company also has my license number. The debt collector is impersonating to be attorneys and contacting my relatives and harrasing my family and my former employers. I XXXX  this company and others are stating it use to be Midland Credit, and this same XXXX and associates were doing the same thing harrasing consumers on a debt they didnt owe. This is tax season so I. assuming these illegal debt practices are illegal. I want this debt collector to stop harrasing my family and stop contacting my former employers.
Consumer complaint received 2023-10-24
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. (FL)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-09-07
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: Experian Information Solutions Inc. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-24
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. (GA)

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

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-10-24
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. (GA)

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or 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 2023-10-24
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)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or 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 2021-05-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX and XXXX of 2021, I filed a dispute with this credit bureau about Us bankruptcy of XXXX Reference Number XXXX that's reporting on my credit report that is 7 years past the filing date. I have sent proof and ask for the deletion of this outdated account. I've asked several times and In those over 3 month and i have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you
Consumer complaint received 2023-10-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-09-07
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MI)

I C System. Has stolen my personal information. I have no contract with I C System. and I have never given them any personal information of mines. How did they obtain my personal information? I C System is reporting illegal and unauthorize personal information on my credit report. I C System is using my stolen personal information to collect a debt What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given XXXX XXXX XXXX XXXX Notice letters of dispute, Opportunity to cure and opt-out request. I C System refuse to perform based on law. I C System Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling. Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet i continue to be harass with illegal reporting that I never agreed to or authorize this use of my personal information.
Consumer complaint received 2023-09-07
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. (NV)

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Disputing information on credit repirt I am writing to dispute inaccurate informatiin that your company supplied to the creditor listed above ( XXXX XXXX, equifax ) Here is a list of inaccurate accounts XXXXXXXX XXXX acct number XXXX XXXX  XXXX acct numberXXXX XXXX XXXX XXXX XXXX acct : XXXX According to my records the information you are reporting inaccurate. I demand that you remove this information. 
By provision of the fair credit reporting act of 1970, U.S.c $ {$1600.00} et seq., I demand that these items be reinvestigated and deleted from credit record.

Under the terms of the section 1681 ( i ) of the act, you have 30 days from the receipt of this letter to verify this disputed information.

Also, pursuant to 15 U.S.C.Section 1681 ( d ) of the act, please notify me when the items have been deleted
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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.