davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : MEDICAL XXXX
Consumer complaint received 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (FL)

On XXXX/XXXX/XXXX I spoke with XXXX XXXX with Southern manangement ( an apartment complex where I used to rent back in XXXX ). I called him because it is reported on my credit report that " consumer disputes ''. I am in the process to trying to get a mortgage and this dispute is hindering my efforts. I told XXXX XXXX that I had never been notified of this collection and that I had never disputed this issue, as I was not aware of it. He told me to send a request in writing asking them to remove the dispute, which I did on XXXX/XXXX/XXXX. I asked for a return letter from their company in 30 days, letting me know they had removed the disputed status. As of today, XXXX/XXXX/XXXX, I have not received a letter nor phone call from them and the dispute is still showing on my credit reports.
Consumer complaint received 2022-01-31
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. (TX)

On XX/XX/2021 I sent a validation letter to XXXX, Equifax, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and Equifax it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act. Not to mention I also have hard inquiries reporting on my account that don't belong to me.
Consumer complaint received 2022-01-31
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. (TX)

On XX/XX/2021 I sent a validation letter to Transunion, XXXX, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from Transunion stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and XXXX it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act. Not to mention I also have hard inquiries reporting on my account that don't belong to me.
Consumer complaint received 2022-10-02
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. (MI)

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 XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, 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 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 crime which antedates the report by more than 7 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 2022-01-31
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXXXXXXLate/Open Late Date XX/XX/XXXX
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (TX)

MY NUMBER IS ON THE DNC REGISTRY FOR YEARS NOW AND I HAVE NOT REMOVED IT FROM THE REGISTRY. MY PHONE NUMBER IS XXXX. PHOENIX FINANCIAL SERVICES LLC CALLED ME FROM XXXX. THE TEXT TOLD ME THEIR PHONE NUMBER WAS XXXX. THEY TOLD ME THEY WERE ATTEMPTING TO COLLECT A DEBT FROM XXXX XXXX XXXX  XXXX. ACCOUNT NUMBER XXXX. WHEN I CLICKED ON THE LINK IT DID NOT ALLOW ME TO INSTRUCT THEM TO STOP CALLING OR CONTACTING ME. THIS IS A FDCPA 1692F AND 1692G AND TFC VIOLATION OF 392.301 ( a ) ( 8 ) - AN ACTION PROHIBITED BY LAW. I HAVE A RIGHT TO OPT OUT OF CALLS AND TEXTS AND THEY MUST ALLOW ME TO DO SO. I CLICKED ON THEIR LINK AND TRIED TO INSTRUCT THEM TO STOP CALLING ME BUT I WAS UNABLE TO DO SO. THEIR WEBSITE FORCE ME TO THEIR " NOTICE '' PAGE AND IT ONLY GAVE ME TWO OPTIONS. TO PRESS A " CONTACT US '' OR AN " OK '' BUTTON. I DO NOT CONSENT TO ANYTHING SO I DID NOT PRESS THEIR OK BUTTON. WHEN I PRESSED THEIR CONTACT US BUTTON THE PAGE FLIPPED TO ANOTHER PAGE AND THEN BROUGHT ME BACK TO THE ORIGINAL NOTICE BUTTON. OVER AND OVER AGAIN, THE SAME THING HAPPENED. THIS IS ILLEGAL. IF THIS DEBT IS NOT MINE THEY SHOULD HAVE SEARCHED TO SEE IF MY PHONE NUMBER WAS REASSIGNED. THEY DID NOT SEARCH TO SEE IF MY NUMBER WAS A REASSIGNED NUMBER. THIS IS A 1692 ( B ) VIOLATION. THERE ARE ALSO MANY TCPA VIOLATIONS HERE TOO. THEY USED AN ATDS OR ADAD TO CONTACT ME. I WROTE TO THEM VIA TEXT MESSAGE LETTING THEM KNOW MY NUMBER IS ON THE DNC REGISTRY AND INSTRUCTED THEM TO SEND ME A COPY OF THEIR DNC POLICY AND TO STOP CONTACTING THEM. I DID NOT RECEIVE A RESPONSE. I GAVE THEM MY EMAIL SO THAT THEY COULD SEND ME THEIR DNC POLICY. I ASKED THEM IF THEY HAD MY CONSENT TO CALL ME WITH THEIR ATDS OR ADAD.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (SC)

I have never given permission to furnish the information to National Credit Adjuster. Investigated accounts that you didnt request to be investigated. The majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

To the Credit Bureaus regarding discrepancies in my credit report, After conducting a thorough examination of my credit report, I encountered significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were accurately reported. According to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to utilize reasonable procedures for ensuring the utmost accuracy of individuals ' information, it is evident that your obligations in this regard have not been fulfilled.

I understand that under 15 U.S. Code 1681i ( 5 ), which specifically addresses the handling of inaccurate or unverifiable information, consumer reporting agencies are required to promptly delete or amend such information upon confirmation of its inaccuracy or inability to be verified. Furthermore, they must notify the information provider of any alterations or deletions made. Failure to provide verifiable evidence within 15 days following the investigation necessitates the removal of the accounts and/or information specified below.

In accordance with 15 U.S.C. 1681i ( 7 ) regarding the method of verification, it is evident that the following accounts lack valid evidence and are therefore in violation. Kindly take the necessary steps to remove them from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Thank you for your prompt cooperation in addressing this matter.
Consumer complaint received 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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, 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
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Checking accounts and credit cards that are paid off or closed but show that theyre delinquent on my credit history. Also, accounts opened in my name that arent mine and addresses that arent mine.
Consumer complaint received 2023-02-11
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)

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 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 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MO)

I have disputed an XXXX account with Enhanced Collections. I have never had an account with XXXX. I contacted Enhanced directly and asked them to provide proof of this account. They have not done that. 
I then disputed it with the bureaus and it remains. This is a violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TN)

I have worked feverishly with XXXX XXXX Bank to get this account back to positive status. After getting this account out of the negative status. I called the credit bureaus requesting the process for updating accounts. I was told they update accounts as soon as the creditor reports the change. I was told by the credit bureau that I would need to contact the creditor. I called the creditor twice receiving the same information. The creditor advised my account information was updated on XXXX/XXXX/2016 with all XXXX credit bureaus. However, only XXXX and XXXX have updated this account. Equifax continues to state they are waiting for a update from the creditor. As a consumer I feel that this is unfair. As a matter of fact, my credit report reflects no updates since XXXX/XXXX/2016. When there have been various changes to my report. I am asking for assistance with correct reporting to consumer reports. If this was something negative they would not hesitate to report the negative information!!
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XXXX XXXX and the house sale date was XXXX XXXX.
Consumer complaint received 2023-02-22
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. (KY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-01-31
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XX/XX/2022 Capital One Bank an partner XXXX Credit Bureau Offered a Pre-Approved offer with 90 % approval Reservation Number : XXXX Access Code : XXXX Application was denied based on Credit Score being invalid or missing from source XXXX Consumer Relations.

Capital One Bank never requested credit score from XXXX Credit Bureau Capital One Bank was able to do a soft pull from XXXX Credit Bureau Capital One Bank should have asked to do a hard pull from XXXX Credit Bureau Capital One Bank is Fully Aware of the Consumer Protection Laws Capital One Bank already had access to my XXXX Credit Score CC XXXX U.S. House Committee on Financial Services
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I am unable to pull my credit report from Equifax. In the past when this occurred, there were too many soft pulls, so the solution was to remove those so I could pull my report again. After a number of phone calls and emails, Equifax refuses to fix the issue.