davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

I recently submitted a FTC ID Theft Report for charge-offs from various companies that did everything illegal pertaining to charge-offs being on my credit profile. Per IRS publication 4681 no canceled debt/charge-off should be published on a consumer 's credit report because it is considered income and income CAN NOT BE ON A CONSUMER 'S CREDIT REPORT. They were removed a month ago, now Equifax has published a charge-off from XXXX XXXX XXXX who did not send a IRS 1099c form breaking down the interest and the principal of what was canceled in regards to this alleged debt, so that I can report it properly on my taxes ... also no one from XXXX XXXX has informed me the federally protected consumer who's the victim of this blatant identity theft again after the first report was submitted, that they have a repurchase agreement for this alleged debt. I have no verbal nor written knowledge of XXXX possessing that repurchase agreement and I never received the REQUIRED IRS 1099c form. Equifax is in straight violation of my consumer rights as stated in the FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt as well as REPEATING AN OFFENSE OF ID THEFT by re-publishing what is truthfully ID Theft, this is a hindrance on me mentally, physically and financially and is very unacceptable. Equifax as well as XXXX have ID Theft on their hands and this is criminal per Title 18 U.S.C. please see attachments
Consumer complaint received 2023-11-09
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (GA)

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, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 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. '' Credit Management 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. '' Credit Management does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Credit Management 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. '' Credit Management 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 trying to report 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. Credit Management is 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 2022-10-17
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. (NC)

On XX/XX/2022 I contacted TransUnion by live chat after obtaining a copy of a consumer report they furnished without my written consent containing confidential information that they have shared with other persons. Pursuant to FCRA 15 USC 1681 ( b ) ( a ) ( 2 ) it is a federal violation for a consumer reporting agency to furnish a consumer report without written instructions of the consumer to whom it relates. I never gave TransUnion any written instructions to furnish a consumer report listing my confidential information. My rights have been infringed upon with unfair treatment as in accordance with 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) these reportings impair my confidence as a consumer as banking systems are relying on fair and accurate credit reportings. I have not been able to obtain various forms of credit as a result of the lack and inaccurate reportings of my reputation, character, credit standing, credit capacity, and credit worthiness on behalf of TransUnion. TransUnion took no effort to remove all fraudulent information and improper use of my credit and confidential information is still evident through the consumer report they have with my information on it.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

i have 49 inquiries on Transunion freudulant i have submited everything they ask for over and over .i was notv applying for any thing i been in open bankruptcy for last 9 months. they will not acknoledge my request for removing i talk to them over and over. XXXX ssi number XXXX XXXX XX/XX/1972 1972
Consumer complaint received 2022-10-24
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. (CA)

n 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
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. (IL)

Experian sent me a notice my score increased XXXX points for a paymant made to affirm of {$98.00}, their reporting was from XXXX XXXX I stated that the account was paid in full on XX/XX/XXXX and filed a dispute on XX/XX/XXXX Today XX/XX/XXXX I get a notice my dispute results are ready, there response : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
I go onto the XXXX website and get a letter of loan verification letter as follows : -- -- -- -- -- -- -- -- -- XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, Thank you for your patience while we gathered the debt validation materials requested in your recently received request. 
Based on our investigation, as of today ( XX/XX/XXXX ), the following information is confirmed : Loan Status : Paid in Full Responsible for repayment : False Below, please find further applicable loan details. 
You can access your Truth in Lending Disclosure and Loan Agreement for this loan as well as your payment history and schedule by signing into your XXXX account online at www.affirm.com. 
XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Loan : XXXX Date Obtained : XX/XX/XXXX Merchant : XXXX Purchase Amount : {$1200.00} Loan Amount : {$1000.00} APR : XXXX % Term : XXXX-Month Installment Loan Remaining Balance* : {$0.00} Paid Off Date : XX/XX/XXXX *Please note, for interest-bearing and non-charged off loans, interest accrues daily. The remaining balance being reported is accurate as of the date above. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I go back on Experian, file a other complaint, post this and call them, they give me a number to their dispute deparartment that is closed on the weekend. 

Experian also dropped my credit score XXXX points with no explaination. I have XXXX balance on all my cards my XXXX XXXX with exquifax and XXXX XXXX is at or above XXXX, for my good payment history, experian likes to keep bouncing me at XXXX on a regular basis, by utilization does not exceed XXXX XXXX  and I pay everything in full and do not incurr finance charges Inaccurate reporting seems to be the name of the game, no way did XXXX certify as they stated.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wrong Identity* Last year, the summer of 2021, my adult son whos names is identical to mine, was in a motorcycle accident. He was treated at XXXX XXXX in XXXX, Tennessee. His bills became delinquent, and all his delinquent accounts were sent to a collections agency. The collection agency, Wakefield and Associates, reported all of his delinquent bills onto my credit report. I am in the process of buying a home and this is going to cause underwriting to kick out my loan. I need this fixed asap.
Consumer complaint received 2023-07-16
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. (TX)

Upon checking into my credit report last month ( XX/XX/XXXX ) I noticed many incorrect names, addresses, and credit accounts linked to my credit profile I have disputed some of them and they have been removed but there are quote a few that remain to this day that are incorrect see the below some are reporting to all XXXX bureaus XXXX, Equifax, XXXX incorrectly XXXX XXXX- open XX/XX/XXXX amount {$700.00} XXXX XXXX- open XX/XX/XXXX amount {$1600.00} XXXX XXXX open XX/XX/XXXX amount {$1900.00} XXXX XXXX open XX/XX/XXXX amount {$66000.00} XXXX XXXX XXXX- open XX/XX/XXXX XXXX {$520.00} XXXX open XX/XX/XXXX amount {$1400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX amount {$10000.00} XXXX open XX/XX/XXXX XXXX {$150.00} XXXX XXXX open XX/XX/XXXX amount {$1100.00} XXXX XXXXXXXX XXXX- open XX/XX/XXXX amount {$1600.00} XXXX XXXXXXXX Bank- open XX/XX/XXXX amount {$1900.00} XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I am in disagreement with the items listed below which still appear on my credit report, even after your investigation. I would like these items immediately re-investigated.These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting ACT, Public law 91-506, Title VI, Section A-D, please provide the names and business addresses of each individual with whom you verified above, so that i may follow up i've contacted XXXX also they have told me they are not reporting anything under my name and social and i don't owe them and never have I had a loan with XXXX XXXX XXXXXXXX which i have paid in full which shows on my credit report they were then bought out by XXXX i have never taken out a loan or owed them money PLEASE do a proper INVESTIGATION UNDER THE FCRA OR REMOVE ACCOUNTS forward me an updated credit report after you have completed your investigation and corrections. 

your cooperation and prompt attention are greatly appreciated. 

Best Regards,
Consumer complaint received 2024-03-09
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)

The United States Bankruptcy Court that states they do not report this information to the XXXX bureaus! So how is it that this information is reporting to my credit report. I attached a letter from the United States Bankruptcy Court stating they do not report this information!! My question is how and why is this still reporting to my credit? Do I need to get an attorney to rectify this situation?
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

- On XX/XX/2023, Chase bank put my account under a legal hold and overdrew my account by {$99.00} XXXX. Calls to their customer support redirected me to their Court Orders and Levies team - From XX/XX/XXXX till XX/XX/XXXX I made several calls to the Court Orders and Levies team but was either given rude replies " Nature of this hold does not allow us to share information '' or was told that they do not have information and can not share 'Proprietary Chase Bank procedures ' with me. 
- On XX/XX/XXXX I visited Chase branch at XXXX XXXX TX XXXX and requested for help from the customer support executive. He called the same Court Orders and Levies team and was given the same answer - On XX/XX/XXXX I emailed another Chase bank Account Rep who had opened my account at Chase in XX/XX/XXXX with a request to help Urgently. He was directed to the same Court Orders and Levies team with same answer " We do not have any information for you on this hold ''. 
- I have consistently asked Chase to provide details on why this hold is valid since it has stopped my business completely and I can not use my account to make payments to my suppliers. All my current funds destined to suppliers have been held back resulting in collection letters/ emails from them.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United PanAm Financial Corp. (FL)

THIS COMPANY HAD NO PERMISSION TO ACCESS MY CREDIT FILE. NOR DID THEY HAVE PERMISSION TO REPORT THIS BY LAW. I DISPUTED WITH THIS COMPANY AND SHOWED THEM WHERE THEY VAILED THE Fair Credit Reporting Act " FCRA '' AND DEMANDED THAT THEY DELETE THE INACCURATE AND INCOMPLETE INFORMATION OFF MY CREDIT FILE AND DEMANDED THAT THEY PROVIDE COMPENSATION BASED ON THE " FCRA '' IN CIVIL LIABILITY.
Consumer complaint received 2022-09-23
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-18
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. (NJ)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2023-09-05
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XXXX XX/XX/XXXX, XXXXXXXX XXXX  Date of inquiry : XXXX XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, CPS Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CLGF Holdco 1, LLC (NC)

On XXXX XXXX XXXX EST XXXX XXXX XXXX under phone number ( XXXX ) XXXX messaged my dads number ( XXXX ) XXXX ; this message contained a link, confirmation number of the debt and a statement acknowledging that they are debt collector. I found this immediately disturbing as they never even attempted to contact me first, since the message contained my legal name. My phone number is ( XXXX ) XXXX. 

This is inexcusable behavior from any debt collector. My dad could have pretty much accessed my debt at any time but he chose to ask me first ; I told him to delete the message because it doesnt relate to him. 

This is in clear violation of the Fair Credit Reporting Act as this company deliberately attempted to display collection activities related to my closed account towards in another family member without my knowledge.
Consumer complaint received 2023-06-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the rights to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act. 

Also Inquires listed below were made without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I am submitting this because these 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MT)

Mr. Cooper sold our mortgage to XXXX XXXX in XXXX of XXXX. I did not receive the new account info from XXXX in time to timely make the XX/XX/XXXX payment. Knowing that Cooper would forward the payment on to them as required, I let the scheduled payment to Cooper go through. This was an attempt to not be late on any payment. 
Cooper received the payment on XX/XX/XXXX. They did not forward the payment to XXXX but refunded back to my bank account on XX/XX/XXXX. They did this without any notification to me whatsoever. Thinking this payment was made resulted in XXXX dinging my credit for late payments. I, along with XXXX XXXX, I have attempted to get Cooper to account for this issue by contacting them in XXXX. They opened a case on the issue but have not produced anything. Phone calls to them are confusing as we have been given conflicting information every time we have called. Case # XXXX, opened on XX/XX/XXXX, is the Cooper case. Additionally I have been emailing XXXX XXXX at XXXX with information and for status updates with no response. Cooper sent a letter asking for an additional 15 days to review this issue more than a month ago and an ambiguous email last week that in no way addressed the the issue. 
XXXX has stated that a letter from Cooper stating that they did receive the payment and failed to notify me of the refund will go a long way to the removing the missed payments on my credit report. Cooper failed to follow their own policies on this which negatively effected our credit scores.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX