davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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. Section 602 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 items of information other than records of convictions of crimes which antodates 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 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

XX/XX/XXXX I learned that XXXX had a data breach which included my SSN and personal information, so I set about securing my credit. On XX/XX/XXXX I successfully froze my credit at XXXX and XXXX. I failed to freeze my credit at Equifax because I needed to create an account, and after verifying my information they claimed additional verification via mail was needed. I received my verification code via mail XX/XX/XXXX and put it in XX/XX/XXXX, receiving a " Welcome to myEquifax '' email. I still can not log into my account on XX/XX/XXXX though, and the website directs me to contact customer service via phone. 

Calling customer service via phone XX/XX/XXXX ( admittedly an off-day for support ) requires me to go through an hour of robot dialog. I follow the prompts ( admittedly very aggrevated at this point ) and verify my personal infomation ( including SSN ) only to be told that I should seek help at myEquifax online because support staff is unavailable. All I want to do is freeze my credit, why do I need to create an account with a business which has already leaked my personal information back in XXXX?
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The CBE Group, Inc. (TN)

This company is attempting to collect a debt for a fraudulent claim from XXXX. The buyer purchased an item, damaged the item, and then attempted to return for a full refund. 

The refund was not paid, and the debt is invalid. This collector has called and mailed letters after receiving a letter via certified mail that the debt is not valid, with a request to no longer contact.
Consumer complaint received 2023-03-08
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have reached out several times to try and get this matter resolved. There is an account from XXXX XXXX  and an account from XXXX XXXX reporting FALSE information on my credit reports. I am requesting that the information be VERIFIED as accurate, or DELETED completely from my credit profile.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (MA)

Hello, According the Fair Credit Reporting Act, the following accounts have violated my rights 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 15 U.S. Code 1681 : This states I have a right to privacy.

15 U.S. Code 1681s2 : This states a consumer reporting agency can not furnish a account without my written instructions.

Source : 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2023-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

Specialized Loan Servicing is refusing to provide me with payment schedule for the Life of the Loan ( thei loa n was originated in mid 2007 by XXXX. The loan has been sold several time and this has been and ongoing problem with this company. When i askes for a payment schedule they indicate by statue they don't have to provide me with this information based on the loan being a HELOC. This has caused a lot of consternation and impacted my health and financial condition. This issues has caused a loan closing in the past to be canceled that would have paid off this loan based on their lack of cooperation. They have also reported delinquencies to the credit buaures even with the loan being current and now paid off. This has impacted my ability to refinance my primary house and i am engaging an attorney. ( from XXXX XXXX ) XXXX XXXX to to suite this company. They will also not provide a accurate payoff or information for the life of the loan Honestly, I don't know what else to do. When I call them they put me on hold and transfer me back and forth. It appears they simply wont answer the phone or they don't have enough employees to service their customer base. I was thinking about reaching out to my State of Michigan Reps or XXXX XXXX my Representative in the US House of Representatives. This issue has cost me money and frankly my health has been impacted
Consumer complaint received 2023-03-08
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. (AL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-10-31
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. (MA)

Hello, According the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX 15 U.S. Code 1681 : This states I have a right to privacy.

15 U.S. Code 1681s2 : This states a consumer reporting agency can not furnish a account without my written instructions.

Source : 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

Thel following accounts reflect incorrect information on my credit report and should be deleted and removed : XXXX XXXX balance {$2800.00} XX/XX/2023 Disputed account via my credit reporting agency Experian XXXX XXXX XXXX balance {$640.00} XX/XX/2023 Disputed account via my credit reporting agency Experian XXXX XXXX XXXX balance {$4300.00} XX/XX/2023 Disputed account via my credit reporting agency Experian XXXX XXXX XXXX XXXX {$400.00} XX/XX/2023 Disputed account via my credit reporting agency Experian
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (CA)

I am a member with Credit Karma. Credit Karma has the Guarantee policy if u have a guarantee offer to apply for a credit card. And if u get denied. They will give u XXXX. I applied for XXXX XXXX credit card. From my credit karma site. I was denied. When applying for the XXXX for being denied. It's no longer in my account. The offer. I just now starting to file for the XXXX promotion. What worry me. Since I been denied. The offer does not reflects in my account anymore. I had already been denied for the card threw experience credit reporting site. And when I seen the credit karma Guarantee on my credit karama acct. I applied again. Now I been denied twice!! It's going to lower my credit score for applying.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

ALL XXXX " CRA '' FAIL TO SEND UPDATE REPORT UPON WRITEN REQUEST SENT OVER 45 DAYS AND STILL HAVE NOT RECEIVED REPORTS AND RAPID RE-SCORE
Consumer complaint received 2024-02-27
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. (PA)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-06-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (SC)

I contacted Westlake Portfolio Management on Wednesday XX/XX/2023 to make a arrangement for my monthly payment of of {$500.00} to be paid on Friday XX/XX/2023 and they agreed. On Thursday morning a tow truck came and took my vehicle and I was only a week behind. When I contacted them I was told I had to pay the remaining balance of {$3000.00} to get my car back and the title. They wouldn't even take in consideration that I made a payment arrangement to pay my car note for XXXX on Friday. They dismissed the fact that I'm XXXX and have documentation that I was in the hospital that made me a week behind.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

I am writing in reference to my two accounts from Comenity Bank regarding my BJs credit card account. 

I was sent a new credit card for my BJs reward account in XXXX of this year. I was a little confused as my original card was not expired or expiring. I called to activate the new card and disposed of the old one. At this time, I had a balance on my account of {$2000.00}. When I received my first statement after this, I saw that I had a balance of {$4100.00}. I was confused as I had not charged anything on my card, so I called the company. At this time, I was told that I had a credit of XXXX on my old account number even though I was being charged the same amount on my new account number. I inquired about having the charge reversed so that I would just owe the original {$2000.00} but on my new account number. I was assured that this would take place and I thought I would just have the balance that I owed on my new card. It seemed from these transactions that somehow within your company, people transferred my balance from the original account to the new account, but did it twice. So that is why I had double the amount of money owed even though I never charged this amount. 

However, fast forward to now, and I received another statement but this time with another charge for {$2000.00} ( this being twice I have been charged this amount added to my original balance ). This brought my new balance owed to {$6700.00}!! Again, I only should owe the original {$2000.00} at this point. The only other charge that I made over the last few months was for {$360.00} to XXXX XXXX XXXX. So, the only balance I should have on either account should be {$2400.00}. At this time, I had also been charged interest on this fraudulent amount and was given a late charge, even though I had automatic payments set up with my original account. I never asked for a new account and when I was given a new card, the two cards were not linked in my account. 

At this time, I still have a balance on my card of {$6700.00} even though I only should owe {$2400.00}. The company keeps telling me that " they are investigating the matter '' but during this time, they are charging me interest and late fees on this astronomical amount that I didn't even charge! Something went wrong internally in their company when they were trying to issue me a new card and now they are fraudulently charging me extra balances. I am asking for this to be resolved and for my original balance to be restored.
Consumer complaint received 2023-03-08
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or removal due to inaccurate reporting in my file. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXXXXXX 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 2022-10-31
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. (AR)

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to file a report with the Federal Trade Commission or at XXXX XXXX XXXX Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Consumer complaint received 2023-03-08
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2023-03-08
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. (TX)

I discovered that the same accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-08
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (OR)

I refinanced in XXXX and the old mortgage servicer has not refunded my Escrow balance. 

I've contacted them over a dozen times and each time they claim checks have been mailed, but I've received only two letters from them : An escrow summary ( with no check ) in XXXX and an acknowledgement of a request for investigation on XX/XX/20. If they can send me these letters, I don't understand why a check would not reach me if it had indeed been sent so many times.
Consumer complaint received 2020-12-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like my disputes and I are being taken advantage of and dismissed. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.