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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 
Dept of Ed/ XXXX  : # XXXX, US Department Of EdXXXX XXXX US Department Of Edu : # XXXX , has violated my rights. 
15 U.S.C 1681 section 602A, 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 items of information, other than records of convictions of crime which antedates the report by more than 7years.

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 2024-03-15
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: EQUIFAX, INC. (AL)

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 XXXX 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 XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX 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 Equifax, XXXX, and XXXX data XXXX, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-25
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)

In an attempt to clean up my credit report I reached out to the 3 credit reporting agencies XXXX, XXXX, and Transunion. I expressed to them that the accounts CITICARDS XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX are reporting information that isn't 100 % accurate and also are violating my consumer rights with multiple violations. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

I also came across the Ftc website more specifically the Gramm-leach-Bililey act and it states that 3 different disclosures needs to be given before my information is allowed to be sent to any public record, in which I never gave XXXX XXXX nor XXXXXXXX XXXX XXXX XXXX permission to do so. I expressed my concern to the reporting agencies as to look into the matter as it pertains to my name and affects my circumstances.
Consumer complaint received 2023-02-24
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. (MD)

To whom it may concern : The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on le for me doesn't match what's listed then there are problems with either your records or those who provide them for verication purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on le that does not match what I listed above. Furthermore, I want you to conrm the data you have on le. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my prole must be accurate and thorough. You must nish your information verication within a reasonable time frame and be able to evaluate and conrm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, veriable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be xed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.
Consumer complaint received 2023-02-24
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. (NY)

o whom it may concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am ocially challenging you to review your data on le for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deciencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data eld formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be veried, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been conrmed as facts.Please take care of any false accounts on my credit report. I am requesting that you x this issue as soon as possible because it will aect me nancially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, veried and compliant data documented in it!
Consumer complaint received 2024-03-15
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. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} 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 2019-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Recovery Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX Hotline : XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
Enrolled in program XX/XX/17 informed program would take 36 months with agreements made with Creditors. Took many months for this agency to make agreements with Creditors resulting in two accounts being put on Collections and one account XXXX XXXX filing Judgement against Client. Client was informed that accounts would be paid and negative information on Credit Report would not happen because Agency had plenty of time to make arrangements with original Creditor. Client has paid many fees to Agency including Legal Security, Service Charges and Phone Pay and does not understand how the Agency expects the Client to pay Collection Agencies when Client informed them that he did not want to deal with any Collection Agencies and does not owe any debts nor has any contracts with any Collection Agency. The account is operated by XXXX XXXX XXXX   with monthly amount put into Escrow {$760.00} bi-weekly, {$1500.00} monthly. There's something just not right about the way the agency is taking the slow method of paying off Creditors resulting in longer payment times is which the cash goes where? This program resulted in additional Financial and Legal issues plus Credit issues on members Credit Report which should be removed.
Consumer complaint received 2024-03-14
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. (FL)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 XXXX 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 2023-05-11
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX 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 2022-12-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (MI)

The Bureaus Inc. The Bureaus is a Debt collector having a place of business at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are collecting a debt real or alleged found on my XXXX and XXXX XXXX XXXX, therefore they fall under the rules and regulations as set forth in the FCRA and FDCPA. I am making you aware of a indecent of a violation of these laws. On XX/XX/2023 a single payment towards the debt in question was remitted for the amount of {$1.00}. The balance due prior to this date was {$730.00}. Once that real payment was processed they did in fact update showing that they took the money as shown on the PDF Collection Status Prior to XXXX with the new balance as of XXXX being {$730.00} with a report as shown generate XXXX XX/XX/2023. On that very day or just prior to we initiated a validation of debt complaint Via XXXX it is my/our right per the FCRA and FDCPA. On the XXXX XXXX XXXX XXXX the XXXX dispute was updated by the Bureaus with a change a increase of XXXX dollar to the balance. 

I submit : 1 ) This a clear violation of the FCRA section 609 in regards timely and [ accurate reporting. ] 2 ) A violation of the FDCPA in regards harassing the consumer as this move of willfully negating any and all payment s then reporting a balance increase was malicious in intent and in the context usher forth, a form of punishment for opening a lawful validation of debt complaint though the Better Business Bureau.

Each one of these a {$1000.00} per violation under the FTC and would be enforceable adjudicated in a Civil court.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The company XXXX XXXX is reporting that I have a late payment on my account, I have had this account for 20 months and have never missed a payment or made a payment late, My credit reports show that the account was late in XXXX of 2021 and this is inaccurate and must be removed from my credit report. Please correct my credit report with accurate information, if not I need to be provided proof that the payment was made late.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2023-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (NJ)

Please assist. On XXXX XX/XX/2023, I requested from the bank holding my mortgage to provide the mortgage investor ( s ) 's information to include name and address, and copy of any of the investors rules or guidelines related to loan modification to be sent to me urgently in writing under the RESPA Act. 

I made this request to XXXX XXXX, aka XXXX, at XXXX XXXX, Request for Information, XXXX XXXX XXXX, XXXX, TX XXXX via XXXX regular and Certified Mail XXXX XXXX XXXX XXXX XXXX. 

They letter was marked as received on XXXX XX/XX/2023 at XXXX XXXX. I have not the information I am entitled to know under the RESPA Act as of today.
Consumer complaint received 2024-03-14
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. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-12-24
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. (IL)

After looking over my credit report I notice an inquiry from XXXX XXXX XXXX XXXX on XXXX that I didn't authorize. I would like this incorrect information to be removed off my credit report please. 

Again, the XXXX was from XXXX XXXX XX/XX/2022 that i didn't authorize.
Consumer complaint received 2022-09-30
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, DEPTEDXXXX 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, DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am noticing inaccurate information on my consumer credit report regarding XXXX XXXX. XXXX is reporting the account as OPEN with a {$910.00} balance. In the remarks section XXXX is reporting Consumer disputes-reinvestigation in progress with 30-59 days late. I have not received any written notification of this investigation. 
XXXX is reporting XXXX XXXX  as CLOSED with a {$1000.00} balance. In the remarks section XXXX is reporting Canceled by credit grantor with 120-149 days late. 
Experian is reporting XXXX XXXX  as CLOSED for {$1000.00} balance. In the remarks section Experian is reporting Account closed at credit grantors request with 150 days past due. 
Consumer reporting agencies have a duty to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual while being fair and equitable to the consumer and 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 2019-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc. (TX)

XX/XX/2019 To whom it may concern : I need assistance from the Consumer Financial Protection Bureau. I received a collection letter dated XX/XX/2019 from a collection agency by the name of XXXX XXXX , XXXX XXXX 

This collection agency is charging me for a fraudulent debt that is not mine, and I have never owed. 
The charges are fraudulent, and they are claiming that I owe a company by the name of USI Solutions , Inc. {$8000.00}. 

They have also listed another company by the name of XXXX XXXX Bank as the supposed Original Creditor. 

I want to report this collection agency, as well as its cohorts for trying to defraud me. I have never done business with these companies and this debt is a scam. 

This company is slandering my credit as well as my name, and I want any collection account, or any derogatory information that they have placed on my credit files removed immediately, and I want hard copy proof on their letter head that, that has been done, as well as I want written proof that this fraudulent collection account has been permanently removed from their companies files. 

I also want XXXX XXXX, XXXX, and it cohorts, to cease and desist from contacting me ever again with their fraudulent made up collection accounts. 

I looked up this USI Solutions Inc. and it appears that they and XXXX are working together to go after consumers with claims for fraudulent debts that they are creating, and the consumers do not owe, they are trying to get consumers to pay them for fraudulent debts. 

( Copy of collection letter has been uploaded for the CFPB to review )
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

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. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX