davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
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. (FL)

Hey hope all is well I viewed my credit report and seen that there was an inaccurate collections accounts being reported on my profile Ive never open this account and its being reported inaccurately i know its an violation under FCRA to report inaccurate information on ones credit report please remove from credit reports immediately Thanks. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

I have not received any contract agreement by the collection agency named CREDENCE RESOURCE MANAGE, I would like a contract agreement with my signature stating I owe them money, and not t mobile I have advised them and XXXX XXXX this account is fraudulent and has been removed in the past by all three credit bureaus and by law is illegal to harass, falsify or put this on my credit if it has been removed in the past. Please remove. Thank you!
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX and XXXX XXXX. Also, please remove this incorrect address, this is not mine : XXXX XXXX XXXX XXXX XXXX, AZ XXXX.
Consumer complaint received 2023-09-09
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. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-09-09
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. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nathan & Nathan, P.C. (TN)

XXXX XXXX XXXX XXXX XXXX , Nathan & Nathan P.C. , are trying to collect a credit card debt of XXXX in civil court XX/XX/XXXX in XXXX , TN. I have XXXX   XXXX XXXX and on XXXX. I started XXXX XX/XX/XXXX. I closed this account XX/XX/XXXX at that time after making a payment the csr informed me that late charges and fees would still be added to the account of approx. {$1400.00} which is now XXXX. I tried to get a home equity loan and was told XXXX XXXX do not do home equity in TN. After getting a letter from the above law firm ( that talk to you as if we still live in slavery time ), I tried to get a auto loan from XXXX XXXX XX/XX/XXXX and was turned down because the csr said they do not refinance vehicle. My medical condition I can not do alot of walking especially in hot humid weather if I make it to the courtroom XX/XX/XXXX I may not be able to speak loudly.if I don't pass out. XX/XX/XXXX I am schedule to have a consultation on getting a reverse mortgage to pay this debt and others with the equity in my home.CFPB # XXXX. Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TN)

Three weeks ago I recieved notice from Tennessee Farm Bureau that they had not received payment from Shellpoint Mortgage for my Home insurance and the policy had cancelled. I am escrowing and this policy was the responsibility of Shellpoint Mortgage Servicing. I called Shellpoint and when I asked their agent why the policy was not paid she gave an answer that made no sense. She said that the policy was not set up in their system to 'auto renew '. All of my policies auto renew. I've owned my home since XXXX and I've never had to explicitly tell the mortgage servicer if the policy auto renewed or not. Shellpoint is a new mortgage servicer. My loan was transferred to them around XX/XX/XXXX. The agent then apologized and said she would make sure the payment was expedited. I was able to three-way the call with my insurance company and the Shellpoint agent, who after speaking with her manager, came back to the phone and proceeded to tell both the agent and myself, that she would expedite payment and she took the address from my agent to expedite the payment. I thought the matter was resolved. I later learned that Shellpoint did not send the payment as their agent had promised ( with no notification to me ) and that Shellpoint continued to steadfastly refuse to make the payment, allowing my insurance policy to remain cancelled. 

Yesterday I recieved an email from the insurance company stating they never recieved payment. I then called Shellpoint Mortgage back and spoke to a different agent. The agent stated that they did not make payment and would not be making payment because home insurance was not something they paid. They paid the very first policy. But for some inexplicable reason decided to no longer pay my insurance policy. However I am escrowing for this policy to be paid. At this time shellpoint had put me in their hazard insurance and was evidently preferring to keep me in their sky high hazard insurance while refusing to pay my policy. 

The agent never did explain how to get the matter resolved. The first agent who said she would pay the policy evidently never put notes detailing our conversation either. I asked to speak with a manager. I spoke with XXXX XXXX. She said she did not know why my insurance policy was not paid and that the insurance dept was closed. She told me to 'call back '. I requested she have someone call me back. She refused. She said they could not request call backs. 

I need my insurance policy paid. After multiple phone calls with Shellpoint they have yet to articulate a good reason for refusing to pay and they have not provided me with a resolution. I am deeply frustrated.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (VA)

on my XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows charged off account when i called them they have no records of me having this account they will not remove it from my credit report.
Consumer complaint received 2023-09-09
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. (NJ)

Inquires that were not mine. 

XXXX XXXX  Date of request XX/XX/2023 XXXX Date of request XX/XX/2023 XXXX XXXX XXXX XXXX Date of request XX/XX/2023
Consumer complaint received 2022-12-07
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. (PA)

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX Card- Account Number XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 


Best Regards, XXXX : XXXX XXXX Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-03-12
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. (TN)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-09
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. (FL)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning the unlawful furnishing of a fraudulent collection account on my Experian credit report by XXXX XXXX. This unjust reporting has persisted for approximately XXXX years, and I believe it is crucial to address this issue promptly. 

The account in question is as follows : Account Number : XXXX Date Opened : XX/XX/2019 I am formally requesting that the Consumer Financial Protection Bureau investigates this matter and takes appropriate action against XXXX XXXX for their unlawful and fraudulent practices. Several key issues highlight the severity of this situation : Lack of Licensure in the State of Florida : XXXX XXXX is not licensed to collect debts or furnish information to credit bureaus in the state of Florida. This violates Florida state laws and regulations governing debt collection agencies. 

Violation of the XXXX XXXX : XXXX XXXX XXXX operations are in direct contravention of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). This system clearly defines the states in which collection companies are authorized to collect debts. The inclusion of Florida is conspicuously absent from their authorized states. 

Given these violations and the absence of appropriate licensure, it is evident that XXXX XXXX 's collection activities and reporting on my credit report are in direct violation of Florida state laws and the XXXX framework. 

In light of these circumstances, I formally request the following actions to be taken : Immediate Removal/Deletion : I request that the fraudulent account, Account Number XXXX, which has been reported to Experian, be removed or deleted from my credit report without delay. 

Investigation and Enforcement : I urge the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX unlawful debt collection and reporting practices in Florida and take appropriate enforcement action against them to prevent further harm to consumers. 

Prevent Future Violations : I request that the CFPB takes measures to ensure that XXXX XXXX and similar entities adhere to state and federal laws governing debt collection practices, preventing future violations. 

I have attached copies of relevant documents that support my claims, including proof of XXXX XXXX 's lack of licensure in the state of Florida and their exclusion from the XXXX framework for debt collection. 

I am grateful for your attention to this matter and your dedication to protecting consumers from unlawful debt collection practices. I look forward to a prompt resolution of this issue and the removal of the fraudulent account from my credit report. 

Please do not hesitate to reach out to me if you require any further information or documentation to assist in your investigation.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

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 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have XXXX debit cards with Bank of America. Both were lost/stolen on XX/XX/23. I called Bank of America to cancel and replace both cards. As of XX/XX/23, neither card has been received. Furthermore, Bank of America did NOT cancel the debit cards, potentially opening my account to fraud. I called Bank of America on XX/XX/23 and asked for them to properly cancel the cards and send them via tracking number. BOA refuses unless I pay {$15.00} per card. I asked for this to be waived due to their mismanagement and was told no. Those fees need to be waived to the account considering their mismanagement of cancelling the card.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (FL)

All these inquiries were not made by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

The collection company Transworld Systems I added a collection on my credit report that is fraudulent. I never received a letter or any type of communication that there was an attempt to collect a debt. I was informed by an alert from XXXX and XXXX XXXX that it was added to my XXXX and XXXX report as a collection for the amount of {$220.00} opened XXXX XXXX XXXX I have never owed money to XXXX XXXX.
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received an offer in the mail along with a change of address I submitted with XXXX. It came from citizens bank asking me to open a checking and savings account with a promotion. I went to the website and put in all my private information as requested. I was surprised that I was denied with no proper explanation. i have never been rejected for a checking and savings account. I gave this company my private information in exchange for an account as they offered me just to receive nothing in return. As a consumer if i am offered something in exchange for my private information i expect to receive it. This seems like a tactic to collect people private information without giving anything in return. This is predatory because i know that there is no reeason for me to get refused.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2019-11-05
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: TD BANK US HOLDING COMPANY (IL)

TD auto finance is reporting a commercial account to my personal credit report, I dont have a personal liability on this account but they are reporting it to my personal credit. I am requesting to remove this account from my record.
Consumer complaint received 2023-09-09
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. (TN)

Experian continues to report on my credit report the XXXX XXXX accounts # XXXX and # XXXX even though I have provided them with evidence both verbally, via telephone, and in writing that the XXXX XXXX XXXX Department investigated these accounts and found that they were opened fraudulently and without my authorization. An XX/XX/XXXX letter from XXXX XXXX ( attached ) states that they have informed Experian to remove these accounts from my credit report due to this fraudulent activity. Unfortunately, Experian continues to list these accounts on my credit report.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone tried opening these account in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX