davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I suffered a total loss on my primary residence due to XXXX XXXX. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car XXXX I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of XXXX and the lack of regulation by the government.
Consumer complaint received 2022-02-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I disputed several accounts on my credit report asking the bureau to validate these debts including the manner of which the debt was validated, the original contract displaying my signature, the names and titles of all persons verifying debt. I have not validated these debts and nor has Equifax. According to the FCRA if these debts are not validated they must be removed from my credit report.
Consumer complaint received 2023-06-28
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. (MO)

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.

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 2023-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I am being charged an eviction on my credit report, that does not belong to me. I have reached out to the apartments and to the collection agency. The apartment said i was a cosigner which is incorrect, I never cosigned for anything. Please help me fix this matter.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX' my ssn : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2018-09-07
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)

My information was used fraudulently on my report. As a result accounts are on my report that are not mine. 







XXXX XXXX XXXX Status Closed Balance {$530.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$3200.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX XXXXXXXX Status Closed Balance {$1800.00} Type Collection Payment Status Late
Consumer complaint received 2018-07-02
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: Diversified Consultants, Inc. (TX)

XX/XX/XXXX I notified XXXX that Diversified Consultants in the amount of {$850.00} and XXXX XXXX  in the amount of {$7600.00}, XXXX  in the amount of {$57.00}, XXXX XXXX  in the amount of {$76.00} and XXXX XXXX in the amount of {$180.00} was being reported on to the credit file that they maintain under my social. I have also previously informed XXXX that I was a victim of identity theft. XXXX fail to investigate this manner as Fair Credit Reporting Act Section 605B describes that they do. These accounts do not belong to me and have not given proper documentation to me validating these accounts nor did they inform me that they were being place anatomy credit file. There are NO CONTRACTS AND nothing bearing my signatures that they can provide so how in the heck is XXXX   validating these accounts. These accounts were open as a result of identity theft and needs to be deleted.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my consumer reports and noticed that I had two late payments on my XXXX account # XXXX that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the XXXX XXXX account # XXXX that I have included screenshots inside this complaint on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Please see screenshots attached.
Consumer complaint received 2023-01-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (OH)

AAG ( American Advisors Group ) sent me notice & an email saying " They no longer hold the XXXX XXXX # XXXX XXXX XXXX XXXX XXXX After a complaint XXXX & XXXX was filed with CFPB, AAG insisted they are no longer responsible for mortgage stating that XXXX ( XXXX XXXX XXXX ) is now responsible for the loan. However there is NO record of XXXX registered with XXXX. XXXX bank account at XXXX ( Acct # XXXX ) was CLOSED & XXXX filed for XXXX  XXXX Bankruptcy. Also XXXX denied they had the Lien under CFPB complaints I am requesting AAG send a Notarized Letter of RELEASE OF LOAN # XXXX ( FHA Case # XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached Files shows Attempts to pay off the mortgage in Full XXXX  Bankruptcy Letter AAG email of no longer managing the LIEN
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (GA)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 -XXXX  XX/XX/2021 -XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 NEGATIVE ACCOUNTS : -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 an account without my written instructions.
Consumer complaint received 2018-07-03
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. (NC)

I have provided Experian proof of a student loan that was paid off. I have also provided CFPB with the same documents. My student loan debt, in the amount of {$68000.00}, has been paid off to XXXX XXXX XXXX and I have documents to prove it. Experian refuses to actually call XXXXXXXX XXXX XXXX to verify and correct this issue. Experian is very rude when you try to call them to get this resolved. I need someone to help me get this resolved so this {$68000.00} debt can get off of my credit report. XXXX  and XXXX   have this loan paid off correctly, but for some reason Experian can't get their act together even when documentation has been provided. PLEASE HELP ME!
Consumer complaint received 2023-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Capital One RE : Accounts : Capital One XXXX THIS IS NOT MY ACCOUNT! 

To Whom It May Concern, I recently received a copy of my credit report and am disputing an item that need to be DELETED. I have listed the items I am disputing and notated any account number. I have also attached and enclosed two forms of proof of address as well as two forms of proof of identity.

According to the provisions of the Fair Credit Reporting Act 611 ( A ) [ 15 USC 1681i ( a ) ], this disputed item must be investigated and deleted from my credit report within 30 days due to fraud/false account. This account was falsely added to my credit report only by XXXX credit bureau. This is not my account! I have never in my life had a {$2000.00} limit credit card. This is fraud and I would like this account removed from my credit report immediately! In the interim, these items should be noted on my credit report as in dispute. 
Please notify me that the attached items have been deleted pursuant to 611 ( a ) [ 15 USC 1681j ( a ) ( 6 ) ]. If you should have any questions or need additional information, please contact me by email XXXX Sincerely, XXXX XXXX
Consumer complaint received 2019-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (PA)

I obtained my credit reports from all 3 credit reporting agencies and found Commonwealth Financial was listing an account that is not mine. I sent them a letter asking for validation of the loan or remove with in 30 days. I sent the letter certified and a representative from that company signed for it on XX/XX/2019. To date the account is still being reported and I have not received validation of the debt
Consumer complaint received 2022-12-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

All concerned, NFCU refuses to refund me a duplicate mortgage payment of XXXX I GAVETHEM THE REQUIRED DOCUMENTS AND THEY STILL REFUSE. XXXX DOCS SHOW MY OVERDRAFT CLEARLY PAYING THE XXXX. I GET MORE EXCUSES EACH TIME I TRY TO RESOLVE IT. THEY ARE UNABLE TO READ A CHECKING ACCOUNT STATEMENT. 


FURTHERMORE, I WILL NOT MAKE XXXX SINGLE PAYMENT TOWARD MY NFCU MORTGAGE UNTIL THIS IS RESOLVED. THANK YOU, XXXX XXXX, FOR RUINING MY XXXX. FROM ME TO NFCU
Consumer complaint received 2022-10-10
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. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

*BankruptcyXXXX  Case Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above has violated my federally protected consumer rights privacy, and confidentiality under 15 U.S.C. 1681.

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 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2019-06-13
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)

PLEASE BE AWARE THAT THE DISPUTED ACCOUNT REFERENCED IN THE ATTACHMENT ARE CLOSED ACCOUNTS WHICH HAS BEEN PAID FOR IN FULL DUE TO A SETTLEMENT. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SUPPORTING THAT CLAIM.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was 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 XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$650.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX  XXXX Balance Owed : {$420.00} XXXX  Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX  # XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX  XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was 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 XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$650.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXXXXXX Balance Owed : {$420.00} XXXX  Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX  # XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2023-06-29
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. (TN)

Id theft victim. Someone opened 2 accounts from XXXX XXXX XXXXXXXX XXXX XXXX {$4900.00} XXXX {$10000.00} These accounts do not belong to me. I am from Tn. These accounts were opened in Florida using a fl address
Consumer complaint received 2021-03-10
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.