davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (CA)

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2022-10-20
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. (GA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-20
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. (FL)

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXXXXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-20
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. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX ), Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX ) Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C. 1681 C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I DONT RECOGNIZE THESE INQUIRIES AND THESE ACCOUNTS INQUIRIES XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX  Date XXXXXXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Av, XXXX, Ca XXXX ; XXXX XXXX XXXX XXXX XXXX, Ca XXXX ; XXXX XXXX XXXX : {$170.00} ; XXXX  XXXX XXXX : {$55.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$190.00} ; XXXX XXXX Con XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$120.00} ; XXXX XXXX  XXXX Balance : {$120.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-07-21
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2022-10-20
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-21
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX Experian, XXXX XXXX XXXX is missing generation identifier. These are inaccuracys Experian reports status updated XX/XX/XXXX XXXX reports status updated XXXX XXXX XXXX reports status updated XXXX XXXX. These are inaccuracys. 

Experian reports last payment date XX/XX/XXXX. XXXX is missing last payment date. XXXX is missing last payment date. These are inaccuracys
Consumer complaint received 2018-04-19
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I talked with Bank of America on XX/XX/2018 many times that day was put on hold and moved from dept to dept. I got my XXXX report and seen that they reported the amounts that i owe but then put SUSPECTED FRAUD on the report and that has stopped me from getting a checking act.. I told the agent the act was open and was never closed for Fraud i just got on hard times and could not pay the act off that i was overdrawn in. She sent me over to rick management because she said the acts where in that dept. Then risk management told me that the acts where never in that dept and they are in collections. She told me that she does not know why the acts would have been maked suspected fraud and sent me back over. The lady on the phone told me that she will call XXXX 's and tell them what happen but she just sent me over to XXXX 's and ended the call. 

I have been dealing with XXXX to get this removed off my report but have not got any info from them as to why it was reported as suspected fraud. I know i owe Bank of America money and i have offered to pay off all the acts if they will just remove the remark suspected fraud off my report. I have sent many letters and never got back to me.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Credit report date : XX/XX/2024. 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 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, 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 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 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-20
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. (CA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (NH)

On XX/XX/XXXX I received a letter from my city stating that we had missed a tax payment that was due XXXX XXXXXX/XX/XXXX. The letter stated that if this payment isnt made by XX/XX/XXXX a lean would be put on my house. Upon receiving this letter I reviewed my mortgage statements to find that money had been taken out of my escrow on XX/XX/XXXX and had been paid to City Tax. I immediately contacted United Wholesale Mortgage ( my mortgage company ) to inform them of the situation and requesting information about where my money had gone. They informed me that they were creating a request to have this looked into but that they did not know where the money had gone. The next day I contacted the city to confirm that they had not received anything from my mortgage company but they would let me know as soon as possible if they receive any updates. I proceeded to follow up with UWM over the course of the month requesting updates, each time being told no progress had been made but the request had been escalated and I should hear back in roughly 2 days. I never heard back. I never received any updates. Until XX/XX/XXXX when I received an automated notification that a tax payment had been made out of my escrow causing my escrow to go negative. However there are no documents listed in my account stating that this payment has been made. No one informed me that a payment was going to be made or who that payment was being made to.
Consumer complaint received 2023-09-28
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need this information to be deleted because it is affecting me and it does not belong to me.
Consumer complaint received 2018-04-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc. (TX)

A company called California Business Bureau is reporting on my credit reports medical debt from XX/XX/XXXX-XX/XX/XXXX. I have sent certified mail asking for validation and proof of surety bond in the state of Texas, which they do not have. I live in Texas. The company 's address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The Texas Secretary of State debt collector website search shows no surety bond in the state of Texas. According to Texas Finance code 392 they must remove all entries from my credit reports with all three bureaus and may not sell or transfer these accounts. I am also aware that I could sue them and be compensated for their illegal debt collection practices on each instance they are reporting.
Consumer complaint received 2024-03-10
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. (FL)

Experian violated my rights under U.S.C. 1681 ( A ) 4 with inaccurate payment history that is really hurting my chance to obtain credit when I have told them multiple times something was not right on my credit profile their last response was on XXXXXX/XX/year> where they stated everything was complete and accurate can you please help me
Consumer complaint received 2023-07-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

The issue is related to escrow management. The loan Servicer " Fay Serving LLC '' is not managing the escrow account for insurance payments and coverage correctly causing cancellation and continuously placing lender place insurance causing the mortgage payment to be unnecessarily expensive. 6 months after the refinance they failed to pay the insurance premium causing cancellation. When I was notified about the cancellation I immediately got insurance through XXXX XXXX which was an affiliate and also a scam. For several months Fay servicing sent letters and placed lender insurance even though I was using their affiliate. Finally they corrected the problem. I renewed again in XXXX  with their affiliate and they told me that I still did not have insurance so I cancelled with their affiliate and switched to a different company 6 months later they are still telling me I do not have insurance. The payment as gone from {$2200.00} to {$3800.00} to {$6800.00}. They are trying to make me default on the loan so the investors can capitalize. They give responses saying all the units are not insured but the insurance provides coverage for all buildings, common areas, units etc. ( anything at the address on the deed which is 2 building ). They only want the units covered but everything at the address has to be covered. The units are not stand alone.