davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-03-28
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. (TX)

Ive submitted complaints XXXX and XXXX on XX/XX/XXXX for Acct. # XXXX that is with XXXX The results from both complaints were verified. In the complaints i stated Equifax is reporting XX/XX/XXXX for date of last activity while XXXX is reporting XX/XX/XXXX. This is over half a year difference. I pulled my credit report XX/XX/XXXX and the same information is reporting. Id like to know how is the account verified when the facts are directly from my credit report??? Ive pointed out the inaccuracy, gave the company an opportunity to cure by deleting the account and the company refuses to do so while falsifying information in the company response. I demand the account be deleted due to the reporting of inaccurate information and given I have been denied an extension of credit due to this account which has caused my family severe harm, I demand a monetary settlement of XXXX dollars under 15 U.S. Code 1681n - Civil liability for willful noncompliance. Ill provide documentation how both XXXX and Equifax verified the accounts and how thats impossible given my credit report still reflects the inaccurate information stated above.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. 

XXXX XXXX
Consumer complaint received 2022-12-30
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)

I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints multiple times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hope you are going to take steps this time. XXXX has not been acting in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that demonstrated this legal issue but they ignored these documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally, they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. 

XXXX XXXX XXXX
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: MFP, inc. (FL)

FINANCIAL CREDIT SERVICES REPORTED COLLECTION CLAIM ON EXPERIAN XX/XX/2016 Prior to reading claim on Experian, I had never heard of CFS, no contacts have ever been made, I read the report on XXXX ( since they have made no attempt to contact me in any way, I consider the first contact to be XX/XX/2016 ) Since they reported the claim XX/XX/2016 & yet to inform me they are in violation of 15 USC 1692 ( a ). This is just an act of harassment done at the bidding of XXXX XXXX XXXX, they have no real intent to attempt collection of this alleged claim. Further they have noted the involvement of an Attorney ( An attempt to excite & intimidate me ) After this complaint is completed I will once again head off to the USPS to mail yet another certified letter asking for Validation of claim ( just as I have with other CA 's ) & a letter to XXXX asking for deletion of alleged claim ) This process will continue until some type of official intervention is made, If XXXX had a claim that was verifiable, they should have no problem providing me with that proof. Am uploading the copy I have of XXXX 's report along with my Validation letter. I am a poor man, I depend on XXXX for income and live well below the poverty line, ( my food budget goes to pay for certified mail ) I have requested low cost legal aid & have been approved, yet, have received no assistance from them. I still doubt that this claim belongs to me & have been offered no prove that it does. I continue to act PRO SE IN MY EFFORT TO FEND OFF THESE ATTACKS ... I AM NOT REFUSING TO PAY A DEBT THAT I LEGALLY OWE BUT, WILL NOT PAY GRIFTERS TRYING TO MAKE AN EASY BUCK. AM UPLOADING DOCUMENTS IN MY SUPPORT.
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MT)

I am having trouble with making my payments with SPS, I had gone thru a financial hardship due to XXXX XXXX where I had lost income and suffered job loss during my time of being infected with XXXX. During this time, I kept communication with SPS where they placed me in a Forbearance program pushing my payments for several months. After my financial hardship was over and I was able to resume making my payments I applied for mortgage assistance and was later approved for a trial plan modification on XX/XX/XXXX. I received the trial plan modification documents and proceeded to make the payments on the account as instructed. My first trial payment was not due until XX/XX/XXXX I attempted to make the XXXX trial payment on XX/XX/XXXX thru XXXX XXXX ( Please see attached receipt of payment ) after I had made the payment, I called SPS to make sure the payment was received and applied. Well, after several weeks and after numerous calls trying to track the payment, they informed me the payment was not received even after I sent SPS the confirmation receipt thru XXXX XXXX. SPS informed me to try to send the payment to them again which I did and on XX/XX/XXXX I sent them another payment thru Wire using the payment instructions provided by SPS representatives. At this point I figured my account was fine after making XXXX payments thru certified funds. 

SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX -- XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : UT I then later received a letter stating they had closed out my Loan Modification due to Nonpayment even though I had made XXXX payments on the trial modification. Recently I applied again for assistance but within 3 days they denied my request and refused to remove the foreclosure date on my account set for XX/XX/XXXX. I feel this is in violation of XXXX XXXX Laws as stated on your CFPB site as well as a violation of my Homeowners XXXX of rights law set to protect me from lenders abusing and miss placing my payments and proceeding with foreclosure.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

EXPERIAN, XXXX, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2024-03-25
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. (IN)

I am writing to follow up my previous dispute about certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies. I attach the letter along with the FTC Affidavit.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft and did not make the charge or the account. I ask that the account 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 Report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete these straightaway : XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

RE : VIOLATION OF THE FCRA LAWS / FAILED TO PROVIDE A CORRECT DEBT VALIDATION INFORMATION TO WHOM IT MAY CONCERN ; HI, MY NAME IS XXXX XXXX XXXX AND I HAVE BEEN TRYING TO RESOLVE THIS MATTER FOR MONTHS AND NO CREDITOR OR COLLECTION AGENCY HAS THE FULL INFORMATION ABOUT MY ACCOUNT. 

THIS COMPLAINT IS ABOUT THIS CHARGE OFF ON MY CREDIT REPORT XXXX  ACCOUNT NUMBER XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX BACK ON XX/XX/2020 I FOUND THIS CHARGE OFF ON MY CREDIT REPORT AND I CONTACTED THIS ARS COLLECTION AGENCY ASKING FOR A DEBT VALIDATION LETTER AND THEY RESPONDED WITH A LETTER WITH FEW DETAILS OR NONE INFORMATION ABOUT THIS CHARGE OFF ACCOUNT ( SEE PAGE # 1 ) ATTACHED TO THIS FILE. 

XXXX NEVER BEEN ABLE TO SEND ME PROOFS OR ORIGINAL DOCUMENTS OR CONTRACTS ABOUT THIS ACCOUNT. 

THE ORIGINAL AMOUNT WAS {$280.00} AND THE CHARGE OFF NOW IS {$600.00} XXXX ARE TRYING TO COLLECT {$600.00} AND THE ORIGINAL DEBT WAS ONLY {$280.00} ( SEE PAGE # 2 ) ATTACHED TO THIS FILE. I HAVE BEEN ASKING HOW THIS DEBT WENT FROM {$280.00} TO {$600.00} WHAT ARE THE LATE FEES OR INTEREST RATES WHY THAT AMOUNT. 

EVERY TIME I CALL AND ASK XXXX TO EXPLAIN OR SEND ME PROOF, XXXX TELLS ME THAT XXXX HAS ALL ORIGINAL DOCUMENTS AND XXXX  HAS TO SEND ME, BY MAIL. 

EVERY TIME I CALL AND ASK XXXX  TO EXPLAIN OR SEND ME DATAIL INORMATION WHY THIS ACCOUNT WENT FROM {$280.00} TO {$600.00}. THEY TELL ME THAT XXXX HAS THIS ACCOUNT NOW AND I HAVE TO DEAL WITH THEM. NONE OF THESE COMPANYS ARE ABLE TO PROVIDE DATAILS ABOUT THIS CHARGE OFF.
Consumer complaint received 2022-12-30
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. (NJ)

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

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX as violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-30
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)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of XXXX  & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

Equifax only cares about their profit. They are a publicly traded company that only cares about their profit. I have tried to pull my free credit report from XXXX XXXX XXXX and I have attached the error in image 1. XXXX shows my score as XXXX but this is far from the reality. If I request my free report I get the attached error but if I pay equifax for my report I can get it immediately. I have also attached images of equifax reporting me 90 days late for the same student loan 28x. Yes, the same {$3000.00} student loan being reporting late 90+ days 28 times. When I paid the loan off I was told I have a one time chance to have the negative marks removed so I took it. I paid {$2400.00} so I could fix my credit but now I am out of {$2400.00} which I really needed to survive during covid. Not only am I out {$2400.00} but I am unable to find an apartment and can not even finance a car to travel or possible temporarily live in because 28x 90+ day marks show up on every report. Please help I am trying to do everything right. Attached images are 9x 90 day late and the other is 19x late. Same student loan and if I try to contact them they send me to someone else over and over and over.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (PA)

Experian and XXXX states XXXX verified a Bankruptcy. No Bankruptcy in XXXX data base. Delete Bankruptcy do NOT UPDATE! Govt job denied because Experian reported a Bankruptcy. FCRA violations 15 US 1681, 15 US 1681 ( a ) et. al. Violation of privacy, no Permission to report without permission. Causing me injury to provide for family. Obey the law remove this from my credit report. Sent letter from XXXX stating not verified, deleted from XXXX data bank. Possibly discrimination and bias, my second complaint. Would like a statement from Experian and XXXX under penalty of perjury they verified this bankruptcy! Delete immediately. Will fie complaint with the FTC to insure an unbiased reinvestigation and a removal of this bankruptcy off my credit report without prejudice.
Consumer complaint received 2023-02-22
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-04
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. (MI)

XXXX XXXX XXXX opened XX/XX/2018 is unrecognizable to me. I have never done business with them