davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

Account : XXXX Ive called Genesis Credit Management at XXXXXXXX XXXX. on XX/XX/XXXX to request them to stop reporting on my credit report. The agent hung up on me and told me that I owed the debt and she didnt care what I had to say or my rights. I have not contracted or consented with them to furnish anything on my credit report. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports section ( 2 ) Disclosure to Consumer subsection ( ii ) and section ( B ) subsection ( ii ) which states ( 2 ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person ; ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

Permissible purpose defines the circumstances in which the FCRA allows credit reports to be obtained. These purposes are documented in section 604 of the FCRA as : * In response to a court order * After receiving permission from the consumer * To someone who : * Intends to use the information in connection with a credit transaction. 
* Such as the extension of credit * Intends to use the information for employment purposes. 
* Intends to use the information when underwritinginsurance for the consumer. 
* Intends to use the information to determine a consumer 's eligibilityto obtain a license. 
* Intends to use the information to assess credit or repayment risk. 
* Or otherwise has a legitimate business need for the information, a business transaction or reviewing an account. 
* Is an executive or government agency intending to use the information for travel charge cards. 

Also, this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report. 

My credit report states the original creditor but the company is an apartment rental company which didnt extend credit to me which means they are reporting with the intent to ruin my good name and fraudulently report on my credit report.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Under the U.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. I did not give permission for my credit report to be pulled. Please remove all of the following hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Noticed a few unauthorized inquires on my account EQUIFAX MORTGAGE SER 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 XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (FL)

I signed up for a mortgage with PNC. They provided an acceptance letter. Days before the closing they called me and told me that I no longer qualified for a 30 year mortgage due to " debt to income ratio '' which had not changed since the initial approval. They told me that I now only qualified for a 7 year ARM mortgage ONLY. This information was broken to me days before closing. I had no way at that point of obtaining a new mortgage within a few days. I was so scared that I would lose my deposit that I was essentially forced into accepting the terms. Now, with the rate changing I stand to potentially have to pay much more money in interest when I am forced to refinance in 7 years.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Greetings, I am writing to lodge a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) for their persistent inaccuracies in reporting my XXXX  loan information to the credit bureaus. These inaccuracies have not only misrepresented my payment history but have also unfairly impacted my credit score. 

XXXX has reported my loan payments as late on multiple occasions. I have never missed a payment nor have I been late with my payments at any point during the tenure of my loan. The information being reported is not only wrong but appears fraudulent and completely inaccurate. This misreporting has caused significant and undue stress, as well as potential financial harm, due to the negative impact on my creditworthiness. 

I have attempted to resolve this issue directly with XXXX  on several occasions, providing them with ample evidence and requesting that they correct the information they are furnishing to the credit bureaus. Despite my efforts, the inaccuracies persist, and my credit report continues to reflect these erroneous late payments. 

Given the gravity of the situation and the potential for long-lasting negative impacts on my financial health, I am turning to the Consumer Financial Protection Bureau for assistance. 

I respectfully request that the CFPB investigate this matter to ensure that : 1. XXXX corrects the inaccurate reporting of my payment history immediately. 
2. XXXX is held accountable for the mismanagement and incorrect furnishing of consumer credit information. 
3. Measures are put in place to prevent future occurrences of this nature for myself and other consumers. 


I trust that the CFPB will take my complaint seriously and assist in rectifying this issue promptly. I look forward to your response and am hopeful for a resolution that corrects my credit report and restores my creditworthiness. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-28
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. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-02-26
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. (PA)

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, 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 2023-02-11
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. (TN)

SEE ATTACHED DOCUMENTS In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2024-01-31
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. (GA)

According to 605B, this account should be removed promptly. I'm quite angry that it's on my credit report, even though it's not my account. Its presence has upset me, and I feel unwell because of this situation.
Consumer complaint received 2023-07-28
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. (MD)

I put in my original complaint XX/XX/23 and after 30 days i put in my second complaint because it had been over 30 days it had been 32 days to be exact on XX/XX/23 and two days later XX/XX/23 the company relied to my original complaint. On XX/XX/23 that made 34 days. Once i replied and point out that 30 days was up and everything must be deleted they said they need more time and they will respond back within 60 days. THAT IS AGAINST THE LAW! 
15 U.S. Code 1681i - Procedure in case of disputed accuracy Cleary states conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They respond at 34 days putting them past the 30 day window and they did not record the current status of the disputed information. Both are against the law and violations!

According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. Only additional times is added to a dispute if a person adds new in formation to the original dispute and in that case the company gets a extra 15 days which makes 45 days not 60 days! In this case i did not add new information! I put in a second claim once the 30 days was up letting them know 30 days was up and what had to happen next according to the law! ACCORING TO THE LAW YOU ONLY GET 30 DAYS! 

Complaint XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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)

I was checking my credit an notice that there were some fraudulent accounts on there Iam a victim of idenity theft was involved in home invasion where i was XXXX XXXX XXXX i have police report some one was using my driver license for speeding tickets was investigated & on police cam it shows it was not me also XXXX XXXX XXXX XXXX from Home invasion as well i will attached those as well i just need to get my life & credit back to normal so if you can help assist me with that i would be more then appreciated.
Consumer complaint received 2023-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-28
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On or around XXXX of 2022 I requested information leading up to why information was showing up on my credit report ( s ) about alleged verified information. After reaching out to the entity to verify the bureau 's information and finding out they don't verify information because it is personal information. It brought me to this agency to correct what the bureau 's are reporting as inaccurate information.
Consumer complaint received 2023-07-27
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)

You are reporting the incorrect collection agency for account XXXX. You are reporting the debt buyer as XXXX XXXX  when the correct agency is XXXX. I have already settled this account with them, and I will attach the bill of sale showing that XXXX does not own this account. The account number is also different than the account number that XXXX is reporting while XXXX has already removed this account due to its inaccuracy. The balance information is also different than the balance I have with the original creditor. Remove this inaccurate information from my consumer report immediately. Attached is the bill of sale.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2021 I sent a letter to CAPITAL ONE AUTO FINANCE requesting information on a debt they allege I owe and I haven't received any correspondence back yet in regards to that. Please help me with this matter.