davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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 NUMEROUS 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 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 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 2023-01-03
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. (PA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX ACCOUNT # XXXX Has violated my rights. 

CXXXX XXXX XXXX  XXXX Has violated my rights. 

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
Consumer complaint received 2024-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: AXOS FINANCIAL, INC. (TX)

I requested account information I told them and offered identity theft reports, police reports, investigation reports consumer reports regarding My AXOS accounts. I also told the person of interest who is the ex-boyfriend who has stolen my identity and stealing my identity I have account numbers and provided all credentials on my behalf to be told after looking at all the transactions done by the ex-boyfriend who is person of interest and is being investigated they still would not give me no information and XXXX still homeless. Also I was contacted by XXXX XXXX XXXX XXXX XXXX, Sheriff Department, Monday, XXXX XXXX. That the ex-boyfriend is in XXXX XXXX was life from XXXX XXXX XXXX XXXX XXXX XXXX  and is going on XXXX XXXX XXXX at XXXX XXXX in XXXX XXXX Texas, XXXX XXXX is the ex-boyfriend. They are calling me his wife thats why they contacted me. I am not that mans wife we have never been married. We were together for XXXX XXXX years and XXXX XXXX years hes ruined. My life left me homeless and broke!
Consumer complaint received 2024-04-04
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2023-01-03
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Kindly correct or delete the following inaccurate items in my credit file. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$400.00} ; XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Consumer Financial Protection Bureau has now dropped the ball on this concern. Claiming that I am not the one disputing this account when I am the only one with access to my credit reporting login in credentials. My credentials have maintained the same and I am the only one working to fix the inaccuracies on my credit report. You sent me a letter closing my initial claim because you assumed I was using a credit repair company. That is false. I am doing my best to correct the errors you all continue to ignore. You use these tactics claiming you are not sure if I am disputing these accounts, making me call in to verify myself countless times and still failing to properly investigate my claims. I have been attempting to dispute this account that has caused me to lose housing opportunities and Job opportunities from reporting inaccurately. I have made several attempts to dispute this Debt with XXXX XXXX ; as I HAVE NO KNOWLDEGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. When I request verification of this debt via writing my requests are ignored but XXXX XXXX  sends me a response letter asking to verify what they have on file when i have no knowledge of this account. However, on the handwritten letters they received from me it contained my first and last name and full address, the only response i should be receiving is one that has documentation showing and verifying this debt is mine. Which XXXX XXXX Failed to do. This agency is still being allowed to report this frivolous debt with multiple inaccuracies. When I ask for proof of information used to investigate this account by the credit furnisher, my request is ignored but the account is continuously being updated as verified. I have retained all my documents from letters I've wrote physically to the original creditor XXXX XXXX and the current furnisher of the inaccurate information XXXX XXXX, disputing this debt sent via certified mail in which I never received a response. I have proof and or documentation of me writing all credit reporting agencies requesting information on how they verified this debt, that also went ignored. I have been disputing this account for years and the lack of research and negligence on the creditors and credit reporting agencies behalf are unbelievable. I have managed to get the account removed from one agency which is XXXX, but it remains on Transunion and XXXX. I can not understand how XXXX could not verify the debt was mine, but Transunion and XXXX were, however, can not provide method of verification used to validate this debt. PLEASE REMOVE THIS ACCOUNT FROM ALL TRANSUNION AND XXXX AS IT CAN NOT BE VERIFIED AS MINE.
Consumer complaint received 2023-02-01
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. (VA)

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 2024-03-07
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. (NV)

XXXX XXXX XXXX XXXX XXXXoked at my report. I sent a letter to Experian on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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 Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Consumer complaint received 2024-04-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (IL)

Our home loan was sold to freedom mortgage with out our permission or notifying us. 
Since being with freedom our escrow is routinely " negative ''. 
Last year XX/XX/XXXX we were told if we pay them {$6500.00} then our escrow will be straightened out. Here we are in XX/XX/XXXX and we are notified we are short again and we owe {$5900.00}. And we have been notified come XX/XX/XXXX we will be short again. Each time our payment has and will continue to go up. Our payment will increase 3 times in a year. 
When asked where our shortage is and how it continues to happen despite giving the requested dollar amount they can not tell us. 
We have asked for detailed statements yet to receive. We have asked to close our escrow and handle taxes and insurance ourselves and have been told this is under review. 
Upon reading reviews of other customers it seems this is a regular thing. 
I don't understand how a company can continue to do this without any consequences or at least providing an explanation of where our funds are going.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

Dear LVNV Funding LLC, I am writing to request that my personal information not be shared with third-party non-affiliated companies, as permitted by 15 USC 6802 and 16 CFR 313.7 As A Federal Protected Consumer to Exercise My Consumer Rights. 

As a consumer, I value my privacy and wish to exercise my right to opt-out of the sharing of my personal information for marketing purposes with companies that are not affiliated with your institution. 

Please consider this letter as my formal request to opt-out of any such sharing of my personal information with third-party non-affiliated companies immediately and indefinitely. 

I understand that you are required to comply with this opt-out request promptly upon receipt, and I expect confirmation of this action in writing. 

Please be advised that this opt-out request is not to be construed as a revocation of any consent previously provided under other applicable laws or regulations. 

If you have any questions or require further information, please do not hesitate to contact me at the email address provided or phone number XXXX with CFPB. 

Both Credit reports have been uploaded showing inaccurate information. Also a Third party collection agency copy has been uploaded. My private and personal information have been violated by LVNV according to FCRA 15 USC 1681.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (NJ)

Around the middle of XX/XX/2024 I was notified by Discover credit card company that my credit card was being closed after being open only a few weeks and my credit score plummeted. The address was different than the application I used for my credit application. The address was my old address which must have been submitted to them from the credit bureau. Someone entering the information must havent been paying attention. I found out of the address through a report from the credit unions I had to reach out to. Discover tried to make it look good and updated to XXXX dollars and in good standing. They failed to investigate and delete the account and when I call Discover they say sorry sir and thats it. Can you please help me to have Discover completely delete this account. Also, I paid and the bank refunded my payment because Discover computer closed the pathway of paying. Im mailing the payment with tracking number so I can ensure XXXX XXXX by USPS which I shouldnt have to do. 

They are : Discover XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX The attached documents below are in reference to payment.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (TN)

My car note payment for the month of XX/XX/2022 was not submitted to my account. I sent off a money order on the XXXX of XXXX in the amount of {$680.00}. I checked the money order tracking through XXXX XXXX and it confirmed that the money order was cashed on the XXXX of XX/XX/2022. I have proof of my money order receipt.
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (NC)

Please be advised that as of XX/XX/XXXX, two ( 2 ) separate notices went out on XX/XX/XXXX & XX/XX/XXXX ( see attached ) to XXXX, EXPERIAN and XXXX requesting verification of the undermentioned debt ( s ). 

It has become increasingly clear that XXXX, EXPERIAN and XXXX are willfully negligent in rectifying my affairs. They are willfully and negligently failing to remove unverified accounts included in my consumer report, and to employ reasonable procedures to assume maximum possible credit reporting accuracy. I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the FCRA and FDCPA. 

XXXX, EXPERIAN and XXXX were given 30 days from the date of notice, and another 30 days with the second notice -as a courtesy, they were to provide supporting documents and PROBABLE evidence that I have any obligation to the undermentioned alleged debt ( s ). 

XXXX, EXPERIAN and XXXX were unable to produce said requirements within the generously allotted threshold, and by Federal Law they are required to remove the accounts from my consumer report without prejudice due to their negligence. 

At this point, You, XXXX, EXPERIAN and XXXX, and its representatives /agents are Civilly Liable for willful noncompliance under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) on your transgression against me, a federally protected natural consumer identified in 15 U.S.C 1692a ( 3 ). I can take lawful action for your violations by assessing a penalty/fine of {$1000.00} each violation. In addition, if you do not comply fully you will be obstructing justice and can be held in contempt to be tried as a criminal in a court of law. 

I made a conditional offer to settle this matter upon lawful verification of this alleged debt in the correspondence sent to you. You, XXXX, EXPERIAN and XXXX failed to respond and illegally continued to allow the debt collector to proceed with collection activities and furnishing information of unverified accounts to my consumer report in violation of Federal Law. 

Under the FCRA, any information that is inaccurate, incomplete, or unverifiable, must be removed or corrected, usually within 30 days and since XXXX, EXPERIAN and XXXX were unable to provide me with a copy of verifiable proof within the allotted threshold, XXXX, EXPERIAN and XXXX must remove the accounts listed below. 

I demand the following accounts to be removed immediately or I will be taking this matter into Arbitration and/or file suit against you for damages for violations of the 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