davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (NH)

My name is XXXX 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.
Consumer complaint received 2023-10-02
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-03-19
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: DISCOVER BANK (GA)

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report.
Consumer complaint received 2023-10-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC (VA)

XX/XX/XXXX I attempted to complete the online application process for a HELOC on a property I owned prior to marriage. I am the only person on the deed and the only person on any loan related to this property. Cross Country customer service conferred with their management that my spouse must provide consent for me to obtain this loan. When requested, Cross Country was not able to provide any statute that requires spousal consent in Virginia -- -as Virginia is not a Homestead or Community Property state. And in fact, the spousal consent would not allow Cross Country rights to judgement on the property in the event of my death : 55.1-202. Spouse not responsible for other spouse 's contracts, etc. ; mutual liability for necessaries ; exception ; responsibility of personal representative. 
Except as otherwise provided in this section, a spouse shall not be responsible for the other spouse 's contract or tort liability to a third party, whether such liability arose before or after the marriage. The doctrine of necessaries as it existed at common law shall apply equally to both spouses, except where they are permanently living separate and apart, but shall in no event create any liability between such spouses as to each other. For the purposes of this section, liability shall not be imposed upon one spouse for health care furnished to the patient spouse who predeceases the nonpatient spouse. No lien arising out of a judgment under this section shall attach to the judgment debtors ' principal residence held by them as tenants by the entirety or that was held by them as tenants by the entirety prior to the death of either spouse where the tenancy terminated as a result of the death of either spouse. 

Code 1919, 5134 ; 1932, p. 22 ; Code 1950, 55-37 ; 1984, c. 504 ; 1985, c. 202 ; 2012, c. 45 ; 2019, c. 712 ; 2023, c. 798.

In my situation, there is no reason to obtain my spouse 's permission to borrow equity in my sole ownership property, and requiring my spouse 's permission violates Regulation B/ECOA/FHAct : Paragraph 6 ( b ) ( 8 ).

1. Prohibited basis - marital status. A creditor may consider the marital status of an applicant or joint applicant for the purpose of ascertaining the creditor 's rights and remedies applicable to the particular extension of credit. For example, in a secured transaction involving real property, a creditor could take into account whether state law gives the applicant 's spouse an interest in the property being offered as collateral.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Acct # XXXX XXXX XXXX XXXX my credit limit was {$700.00} I was charge an additional XXXX after account was closed also same place Acct # XXXX my credit limit was {$400.00} I was charge another {$300.00} after account was closed I have rights 15 U.S.C 1681s 2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I need both of these removed
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2022-11-25
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. (KS)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2024-07-12
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)

XXXX XXXX XXXX, XXXX, XX/XX/scrub>XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a COLLECTIONS ACCOUNT opened by XXXX XXXX XXXX on XXXX under the account number ( XXXX ), an collection originally owned by XXXX XXXX and sold to XXXX XXXX XXXX This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number : XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud. 

Furthermore the collection company has made false reported attempts to actually investigate the original account. that in case was opened while i was incarcerated please see attached document proving me being incapable of opening the original account therefore invalidating their collection account.
Consumer complaint received 2024-08-18
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: Experian Information Solutions Inc. (GA)

Subject : Request for Reinvestigation and XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/2024 ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2024-08-16
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: CCS Financial Services, Inc. (MS)

According to the Fair Credit Reporting Act, FCRA Section 6:05 B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report. Thank you! Some of these items and also from closed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-02
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. 

XXXX XXXX agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$37000.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't 've be there
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: General Motors Financial Company, Inc. (NY)

I applied in XXXX for auto pay two GMC financial on my online app. I have done this several times with several leases. To my display, they never put in the auto pay. Their system mustve had a glitch because on my end, it said I was enrolled in auto pay so now they gave me two months of saying I did not pay I was aware at the time it was coming out of my checking account because I was enrolled in auto pay when I talk to the customer service in XXXX they told me I had to fill out a paperwork to do auto pay. This is completely untrue and the very next day miraculously my auto pay on my app was dignified. GM did not take responsibility for their mistake, and now my credit has gone down XXXX score this needs to be fixed ASAP and GM is to be responsible for their negligence.
Consumer complaint received 2024-04-04
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. (NM)

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH XXXX, AND TRANSUNION, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

XXXX : XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XX/XX/2023 XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

TRANSUNION : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX  NM XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please remove this inaccurate information from my credit report
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (CA)

So far I didnt paid about {$11000.00} towards my {$17000.00} loan and theyre still stating that I owe the same amount. I try to talk to the supervisor to get where am I payments are being applied and they sent me a paper where it looks like they just typed up an amount to make it look right and even on that paper the amount is still not even right, Ive been getting harassing phone calls every day before XXXX oclock in regards to this loan I told the lawn service to stop calling and harassing me and they consistently do it without any regards to my request I was bought I bought this car on XXXX, pretenses of what the auto dealer lead me to believe and really I was scammed and fraudulently, misled by the dealership of what I was applying for in the outstanding balance that would be applied to my account Something needs to be done about this. It is not OK.
Consumer complaint received 2020-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The XXXX account listed on all three of my credit reports is inaccurate, how can all three credit bureaus have three different open dates for this account. TransUnion is reporting XX/XX/2015, XXXX  is reporting XX/XX/2015 and XXXX  is reporting XX/XX/2015. This is not good for my credit report worthiness.
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

My friend 's XXXX account was hacked XXXX XXXX XXXX The person hacking the account is promoting a fraudulent investment opportunity through Bitcoin and pretending like my friend is a Bitcoin/Cryptocurrency mentor. I showed interest, asked questions, and spoke to who I thought was my friend as she mentored me to buy {$500.00} worth of Bitcoin through Cashapp, which I then sent to her " wallet '' via Cashapp. She guaranteed {$10000.00} with my {$500.00} investment. I started to realize I was being scammed once I was told I needed to pay another {$2200.00} in order to withdraw my investment funds ( which were made in less than 24 hours ). My actual friend has confirmed that it wasn't her and that her account was hacked. Both of us are also concerned about her son whose photos are still on the account. In an effort to sound more like my friend, the hacker/scammer was using her son 's name in fake scenarios while conversing with me ( eg " I already put XXXX to bed '' ).