davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (IL)

To whom it may concern, I XXXX XXXX have been a victim of identity theft and fraud, as a result of erroneous incorrect information I have suffered a financial loss significantly. I have tried contacting all of these creditors to provide information or validation and I have never received any supportive documentation that proves I am liable or consented to any service or good these companies offer. Please remove this incorrect information from my credit report. 


The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$650.00} Date : XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine IC SYSTEM INC Account Number : XXXX Amount : {$560.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$1200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX  XXXX XXXX Account Number : XXXX Amount : {$200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX  XXXX Account Number : XXXX Amount : {$1100.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$8300.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-02-17
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 (GA)

There is a Bank of America debt with Spirit that a family member has XXXX + I am only an authorized user. I have let them know the family member is XXXX, and written a cease and desist letter and they continue to harras me and come to my apartments to try and issue a court order for the family member It is beyond harassment- they have come to my knowledge from others 5+ times. 
I mailed letter over 2 weeks ago and reported to XXXX and they replied, and yet I found out they came again today. 

They should be legally held responsible to stop harassing people, especially when it is not my debt, and in general, and this debt is over 4 years old so should be written off regardless. 

I. have the cease and desist letter and may share with media and describe their treatment.
Consumer complaint received 2023-10-07
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. (PA)

Dear CFPB, IRS, XXXX, XXXX, TRANS UNION, XXXX XXXX XXXXXXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore XXXX XXXX XXXX  XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Consumer complaint received 2023-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX  Balance : {$520.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX - XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-09-23
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)

On the date of XXXX I filed a Police Report stating that I had been a victim of identity theft. I sent this report to XXXX, Equifax XXXX XXXX XXXX XXXX. Along with dispute letters requesting that they show proof of the negative accounts being mine. However neither Bureau responded by showing proof.
Consumer complaint received 2023-06-05
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)

This letter is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-12-10
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. (NJ)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-03-13
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Orchard Mortgage, LLC (GA)

YOUR COMPLAINT On XX/XX/23, my wife and I signed up for Orchard 's Move First mortgage program to move to North Carolina and sell our house simultaneously. We had our appointment on XX/XX/23 and met with an advisor over XXXX. Her name was XXXX XXXX, and we were finalizing all the info. And I shared my desktop to show my wife, who wasn't home, what our viewpoint looks like. In doing so, an NSFW picture got shared instead, and no one noticed, so we moved on. After XXXX minutes, we signed our agreements for a Guaranteed cash offer of XXXX and an exclusive sales agreement. During that week, we had appointments set up for our Real Estate Agent and team to start the process ; on XX/XX/23, Somebody canceled our meetings, and we were waiting for someone to take our calls. We got an email from SVP XXXX XXXX saying they wanted something other than our business. I called XXXX to find out why, and he told me it was because of the shared picture we didn't know about. He broke some internal policy, and he can't service us. End of story, he even admitted it was a mistake and had happened, including it not being a big deal. I told him we already signed an agreement, and he didn't care, illuding to my character not being exemplary. Even though it sounds like what his report says was blown out of proportion. They are forcing us to cancel our contract even though they violated the terms they had set forth, offending someone not listed in the agreement. And they refuse to negate the exclusive seller agreement
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is continually reporting an XXXX account inaccurately. In the payment history for this account it shows it as 30 days past due for consecutive months. This false reporting is damaging my credit reputation. This is illegal as this is false reporting for which they are willfully being non-compliant in correcting this.
Consumer complaint received 2023-10-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Systems International, Inc. (TX)

I was contacted by a representative of XXXX, on XX/XX/2023 at XXXX XXXX  ( XXXXXXXX XXXX central  ) as I was traveling on business on the XXXX XXXX. I was asleep when the call came in, so I was not able to answer before the call rolled to voicemail. At XXXXXXXX XXXX ( XXXXXXXX XXXX CDT ) I called the number back, not knowing who the caller was. When my call was answered, I stated that someone had called me from this number and I was returning the call. The female on the line immediately wanted my name, but since I did not know who I was speaking to, I'll asked her who she was with. Her response was, " I told you when I answered the phone, now what's your name ''. I told her again, " I don't know who you are or what company you represent, so let me know who you are and then I will tell you who I am. '' She then told me very rudely, " well whenever you're ready to identify yourself, you can call back '', then she hung up on me. I called back again and determined that this company is called XXXX, a debt collector, and called me from phone number XXXX. This representative was very rude and disrespectful. I understand they have a job to do, however there is no excuse for being rude and disrespectful. There was no reason for this behavior towards anyone for any reason. I immediately contacted the doctors office who referred this account to them, and it was quickly determined that this account was sent over in error as there was an error in billing on their part, which has been resolved. I also notified the doctors office of how I was treated by XXXX, as I know how much pride they take in providing a respectful and service oriented atmosphere for their patients. My expectation is that I receive a genuine apology from XXXX for how I was so rudely disrespected by their firm, as well as what steps will be taken so that others do not have to deal with the abusive tactics that this company appears to use to intimidate the people in which they contact. I have no patience or tolerance for these unethical and unprofessional tactics. I expect to be treated professionally and respectfully at all times, and I will provide the same in return.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have applied for a loan modification and was denied due to " Insufficient Monthly Payment reduction '' at this time my interest rate is 6 % and I am working as a sales person and I also have rented a room out to try to make ends meet, I can start making payments but this is the answer I got, Nationstar is refusing to lower my interest rate and modify my loan so I can afford to keep my house.
Consumer complaint received 2024-03-13
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. (AL)

The Credit Bureaus are determined to keep me from my high credit scores. In Particular Experian. On XX/XX/year> Experian took XXXX points off my credit score which was at XXXX at the time. I contested it and exchanged emails with them multiple times but they would not explain why they took off the points. Then on XX/XX/year> they took off XXXX points off my score and said it was because of a collection account. I disputed it and then aske CFPB for help. A few days later they took the collections account off my record and restored the XXXX points. Then they also gave me back my XXXX points on about XX/XX/year>. This took me back to my original score of XXXX. Then just a few moments agon, today on XX/XX/year> they have taken XXXX points back off my score again without providing any reasons except a note that states " Scores Change. '' I have not done anything negative to cause this! No negative items have been added to my credit file. They are just determined to beat down my high score which I have fought so hard for and sacrificed so much for. Can you please help me to put a stop to them just taking points from my score with providing a reasonable explanation? Surely there should be some law that prevents Experian from doing this??? I need your help.
Consumer complaint received 2023-06-06
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. (CA)

Someone opened this account with my information. I have supplied Experian Credit Reporting with proof that it was fraud along with the police and FTC report. They have failed to remove it. I am a victim of fraud! The account is as follows : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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: Nelnet, Inc. (VA)

In XX/XX/XXXX my student loan accounts that had late payments were disputed and a response was given of updated. No changes were made or verified. I contacted Nelnet who advised me they are not showing me as late and can not see before XX/XX/XXXX and that I needed to contact XXXX student aid. I contacted XXXX with XXXX student aid on XX/XX/XXXX who advised Nelnet should have the history of my loan and to give them a call back. I have spoken to XXXX from Nelnet who advised she can not view this information and I would need to contact my previous loan company. This company was XXXXXXXX XXXX XXXX  who no longer services or can be contacted. I have never been late on any loan and they have always been in deferment. Please update or remove the accounts if unable to resolve the issue.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, 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. (CA)

The following inquiries are fraudulent and were not authorized by me. 
XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (GA)

Several addresses are on my file that I NEVER Lived at. I have disputed all of them but this address : XXXX XXXX XXXX XXXX XXXX, GA XXXX is linked to fraudulent accounts that I never opened including Comenity Bank XXXX I need this removed immediately. I have only lived at 2 addresses in the last 25 years. XXXX XXXXXXXX XXXX XXXX XXXX XXXX and my most recent address is XXXX XXXX XXXX XXXX ga XXXX since XXXXXXXX XXXX XXXX
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MN)

I have an obscene interest rate that I have on a XXXX credit card. Ive been paying down {$3400.00} for 10 years and its still maxed out. I pay {$100.00} a month.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Persolve, LLC - Legal - Series 2 (FL)

I have a collection account on XXXX credit report from a collection agency named Persolve Legal Group, account number XXXX. Please be advised that I am disputing these collections due to Persolve Legal Group at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX does not currently have a valid license in my state of Florida to collect on debts. 

Per the Florida Office of Financial Regulation, their license is currently expired. 

I request you investigate this matter and delete this account from my credit file immediately or provide me with physical proof they are licensed to collect debts in Florida.