davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
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. (AL)

OnXX/XX/XXXX I called Equifax to remove inquiries that I did not authorized. I spoke with a US Rep that was handling my request. In the midst of our phone call, as he was confirming the inquiries that I needed to be removed/deleted, the call was disconnected. I called back and another US Rep received my call. I explained to her what happened and how the US Rep was in the midst of deleting the unauthorized inquiries and she could continue as well and she told me that she couldn't do it, again I explained on how the other US Rep was in the processing of deleting these unauthorized inquiries, however she did not care. Needless to say, she didn't help with what the other US Rep was more willing help me with. There is several inquiries that I did not authorize to pull my credit, some of the same unauthorized inquiries was pull several times. XXXX XXXX was pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. XXXX   was pulled on XX/XX/XXXX &XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX  was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. None of these places had my authorization to pull my credit or anything relating to this matter. I also contacted XXXX onXX/XX/XXXX and spoke with a US Rep who also told me that they doesn't remove/delete inquiries. I will have to contact all creditors and have them to send a deletion letter. I also called XXXX  on XX/XX/XXXX whom as well told me the same thing XXXX stated except they put a Fraud alert on my credit file and still wouldn't help me with these unauthorized inquiries.
Consumer complaint received 2023-09-14
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)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
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. (DC)

Equifax XXXX and 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. 1671c. ( 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 antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-14
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-09-14
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. (IL)

I reached out to self via Email and informed them that I had no knowledge of this account and believed that it was created on my behalf by someone else. They replied stating that they had conducted an investigation and found that the account belongs to me. This is not sufficient by any means, I requested validation that this account was opened by me even though there were no charges or useage or payments and I did not receive any documentation at all and would like this account and its history or lack thereoff removed from all credit reportin bureaus. 

The account in questions is listed as : XXXX Account Type Secured Last Payment XX/XX/2023 Account Verified XX/XX/2023 Date Opened XX/XX/2023 High Balance {$520.00} Term Length 24 Month ( s )
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NY)

Date Opened : XX/XX/2022 Defamation Of Character Defamation is the act of harming a person 's reputation through the use of words. When defaming words are in writing this is known as libel defamation. 

1. Publication of information is required 2. The person being defamed was identified by the statement 3. The remarks had a negative impact on the person 's reputation 4. The published information is demonstrably false This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data for the account opened XX/XX/2022.
Consumer complaint received 2023-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NY)

I had a trial modification from Fay Servicing ( XXXX # XXXX ) as of XX/XX/2023. I made the first and second payments timely. I sent a money order for the XX/XX/2023 payment in timely and it was received by you. I then sent a money order for the XX/XX/2023 and it was sent back to me, marked by Fay Servicing with an overnight stamp on the money order. Fay then claimed the money order was unusable and sent it back to me, claiming that I had altered it. I rightfully requested that Fay bear the cost of replacing and re-issuing the money order, as it was in perfect negotiable form when I sent it to Fay. I sent the same money order back, and one of Fay 's representatives insisted that I had to bear the cost of replacing it AND that it would not even be sent back to me, leaving me in the untenable position of having to report it lost, wait XXXX weeks for a refund, OR try to scrounge up an additional {$1000.00} to make a second payment for XXXX AND Fay 's representative further threatened that I would be put into foreclosure if I did not jump through these hoops ultimately caused by Fay Servicings mishandling of a timely payment. I am XXXX, a XXXX  retiree and a veteran on a very fixed income. Fay has now unjustifiably, and in bad faith, cancelled my trial modification.
Consumer complaint received 2024-04-03
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. (MA)

I noticed unauthorized and unverified inquires on my Credit Report without my consent. 
Remove : XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-11-04
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-09-14
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)

I am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the accounts which needs to be corrected or removed by the Credit Bureaus : XXXX. XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/2020 - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 


I have enclosed copies of documents that support my claims, including [ attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address corrections ]. 

Under the FCRA, I request that you : Promptly initiate an investigation into the accuracy of the disputed items. 
Notify me of the results of your investigation within 30 days, as per federal law. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (MD)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXBalance : {$270.00}.
Consumer complaint received 2023-09-14
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. (MD)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXBalance : {$270.00}.
Consumer complaint received 2023-09-14
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: Maximus Federal Services, Inc. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATIONXXXX XXXX were still showing late payments on my credit report in violation of Federal Law. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-09-14
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3200.00}
Consumer complaint received 2024-03-09
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00XXXX XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC (TX)

I sent a debt verification letter to the company working on their behalf ( XXXX XXXX XXXX ) on XX/XX/2023 that was never responded to! I also sent another on XX/XX/2023. Both went unanswered. I have never received a debt validation letter, any form of written communication, or proof of this debt UNTIL XX/XX/2023. WHICH IS ILLEGAL AND IN VIOLATION OF MY RIGHTS AS A CFPB RED CONFIRMED OVER THE PHONE. THE DEBT NEEDS TO BE REMOVED BECAUSE THEY DID NOT RESPOND FOR NEARLY 60 DAYS. RESPONSES MUST BE WITHIN 30 DAYS TO BE LEGAL. It claims it was opened in XXXXXXXX XXXX XXXX, but this debt did not appear on my credit report until late XXXX. This is completely illegal and against my rights. They suggested I pay 50 % of the bill to have this deleted. IT MUST BE DELETED BECAUSE OF LACK OF TIMILY COMMUNICATION. THERE IS NO OTHER RESOLUTION THAT IS WITHIN MY LEGAL RIGHTS. 

The validation letter was sent to an address in MARYLAND which is not my address, not to my home in GEORGIA where I was a permanent resident. THIS IS ILLEGAL ON BEHALF OF CASCADE CAPITAL FUNDING , LLC. 

Where is the itemized bill? The PROOF that this debt is mine? The LEGAL right to dispute? THIS IS ILLEGAL.
Consumer complaint received 2023-07-09
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. (IL)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inactive, and date last reported is not accurate. This ground for removal they also violated my rights under. 15 U.S.C 1681 Section 692 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. Also the Credit bureaus took more that 30 days to complete my investigating.
Consumer complaint received 2023-09-13
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. (FL)

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. 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. '' 15 USC 1681 section604 a section 2 " 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. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (ME)

I received notification from XXXX that one of my orders had a denied payment. I checked this account I'm complaining against, and there is no explanation, nor is there record of the in question transaction in a place I can see its status. I attempted to contact their online staff, and the chat was closed after awaiting the second in staff transfers. I could not reopen the chat. I have attempted to again, since yet again, this morning, the transaction fails. I wish to find the root cause before a institution I'm paying perhaps charges me a denial fee, late fee, interest, or some services I have cease to function. The " virtual '' shrugging of the shoulders doesn't suffice. I desire to know root cause.
Consumer complaint received 2023-09-13
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. (TX)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Hello, To whom this may concern I never had sprint service and I have {$1700.00} dollars owed to ( enhanced recovery company ) it was opened XX/XX/2021. 
Im lost please I need help to resolve this its affecting my credit.