davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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. (NJ)

On XX/XX/2022, Ive discovered that Equifax has furnished unlawful items on my consumer report with out my expressed written permission. I did not give Equifax written permission to furnish the following accounts per Section 604 ( a ) ( 2 ) of the FCRA : XXXX XXXX XXXX ( # XXXX ) ( {$26000.00} ), XXXX XXXX XXXX XXXX XXXX ( # XXXX ), XXXX XXXX XXXX ( # XXXX ), XXXX XXXX XXXX ( # XXXX ) or any other provided in the attached documents. The reporting of these accounts are unfair and an invasion of my right to privacy as they are required to respect per Section 602 ( a ) ( 4 ) of the FCRA. Equifax reported multiple items and information that law says should be EXCLUDED from my consumer report all charge offs and collections per 15 usc 1681a ( 2 ). These unlawful acts are effecting my ability to live and grave injuries.
Consumer complaint received 2020-12-14
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)

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX XXXX XXXX  Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NC)

My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach. 
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Consumer complaint received 2022-05-04
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2020-12-14
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)

XXXX XXXX XXXX FCRA violation Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX
Consumer complaint received 2020-12-14
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. (TX)

XXXX XXXX XXXX FCRA violation Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX
Consumer complaint received 2022-07-21
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. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Dates XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-05-04
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. (GA)

I've contacted XXXX, Experian and XXXX about inaccurate and unauthorized hard inquiries on my report over 4 times in 4 months. I've contacted them about inaccurate reporting on my credit report as well, I haven't had a response. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX DeptED/XXXX INACCURATE DeptED/XXXX INACCURATE Experian Credit XXXXXXXX XXXXk XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX DeptED/XXXX INACCURATE DeptED/XXXXXXXX  INACCURATE XXXX XXXXXXXXXXXX XXXX INACCURATE XXXX XXXX XXXX XXXXL XXXX XXXX
Consumer complaint received 2022-05-04
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)

I've contacted XXXX, XXXX and Equifax about inaccurate and unauthorized hard inquiries on my report over 4 times in 4 months. I've contacted them about inaccurate reporting on my credit report as well, I haven't had a response. 
XXXX XXXX XX/XX/XXXX XXXXl XXXX XX/XX/XXXX XXXXl XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DeptED/XXXX INACCURATE DeptED/XXXX INACCURATE XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXl XXXX NA XX/XX/XXXX Equifax DeptED/XXXX INACCURATE DeptEDXXXX  INACCURATE XXXX XXXX XXXX INACCURATE XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TN)

Dear Sir/Madam, I am writing to file a complaint against Midland Credit Management regarding their failure to respond to a cease-and-desist notice that I sent via certified mail, as mandated by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I kindly request your assistance in ensuring the permanent removal of the account associated with Midland Credit Management from my consumer report. 
On XX/XX/2023, I sent a cease-and-desist notice to Midland Credit Management via certified mail XXXX as permitted under the FDCPA, specifically 15 USC 1692cc. The letter was delivered to their office on XX/XX/2023, as confirmed by the certified mail tracking information. According to the FDCPA, upon receipt of such a notice, the debt collector has three possible responses : ceasing all communications, providing validation of the debt, or informing the consumer of further intended actions. However, despite the legally mandated obligation, Midland Credit Management has failed to respond within the stipulated time frame. This failure to respond within a reasonable period of time, specifically 30 days as prescribed by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i5, is in direct violation of the provisions designed to protect consumers rights. In addition to addressing this violation, I kindly request your assistance in ensuring the removal of the account associated with Midland Credit Management from my consumer report. The inability of Midland Credit Management to respond to my cease-and-desist notice has created an unjust burden on my credit and financial well-being. I have enclosed copies of the cease-and-desist, the certified mail receipt, and the tracking information for your reference. These documents serve as proof of my efforts to communicate with Midland Credit Management and their subsequent failure to respond appropriately. With this complaint, I urge the Better Business Bureau and the Consumer Financial Protection Bureau to intervene, investigate this matter, and take appropriate actions to address this violation and enforce the applicable regulations, ensuring Midland Credit Managements compliance with federal laws and regulations designed to protect consumers. Furthermore, I request your support in ensuring the account associated with Midland Credit Management is promptly removed from my consumer report, as it is unjustly impacting my creditworthiness.
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-12-14
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: CITIBANK, N.A. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, MACYS/DSNB add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-06-13
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 XXXX  Account # XXXX XXXX XXXX and Account # XXXX XXXXXXXX XXXX have 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 states a consumer reporting agency can not furnish a account or transaction information without my written instructions 15 U.S.C. 1681a Section 2 ) Exclusions from a credit report - the consumer report does not include - ( A ) ( i ) reporting of information solely as to transactions ( payments ) or experiences between the consumer ( me ) and the person making the report.

15 U.S.C 1681a ( d ) 1 - It also states that a consumer reporting agency can not communicate any information that determines a consumer 's credit worthiness or credit standing when it comes to be used in determining a consumer 's eligibility when applying for credit for personal purposes
Consumer complaint received 2021-09-18
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: SLM CORPORATION (FL)

I

have hard inquiry on my credit report from salley m ae XX/XX/XXXX and i was XXXX  from XX/XX/XXXX until XX/XX/XXXX. I cluldnt of possibly authorized this. Im noticing many inaccuracies.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I have a mortgage loan through XXXX bank. My loan was for more than 80 % of the value of the house, therfore requiring me to Escrow with XXXX. In XXXX of XXXX, they ran an escrow analysis on my accounts and according to my analysis I owed {$2200.00} per month to cover my loan, interest, taxes, etc ... 

I recieved a call from a debt collector from XXXX on XX/XX/XXXX indicating that my XXXX first payment was past due and was wanting to make collection at that time. I thought this was a mistake because my mortgage payment is set to auto draft from my bank at the begining of each month. I have never been late on a payment in my life. 

According to XXXX bank, my escrow was re-run in XXXX of XXXX and they found that my balance was roughly {$14000.00} short. This caused my monthly Mortgage payment to go from {$2200.00} a month to {$4100.00} a month. OVERNIGHT! 

The reason for the error is that when they calculated my escrow in XXXX, they FAILED to include my hazard insurance for the year, they miscalculated my taxes for the upcoming year, and they issued me a check in XXXX telling me that i had overpaid the previous year and that the extra money was mine to spend how i wanted .... 

When they re-ran my escrow analysis ONE YEAR later, they realized their mistake and doubled my mortgage over night. 

my options are to come up with {$14000.00} cash before XX/XX/XXXX or have my monthly note go from {$2200.00} a month to {$4100.00} a month.
Consumer complaint received 2022-05-04
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. (GA)

This is a true insult. I am not paying a credit repair company to resolve my credit reporting issues, and never will. I a competent human that is able to research and study consumer law, it's that simple.
Consumer complaint received 2021-09-18
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. (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-05-04
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, US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX 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 2022-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (SC)

This company Midland Credit Management has violated my federal consumer rights. I have a right to privacy and my information is not protected because this company has stolen it!! Pursuant to 15 USC 1681 ( 2 ) I never consented to none of this and the reportings to my credit reports which is fraud.
Consumer complaint received 2023-01-16
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. (IL)

I am XXXX XXXX XXXX and the accounts that are reporting in my credit report. See the documents i'm attaching letter, ftc and my id 's to help you regarding this investigation.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (CO)

I currently have a conventional 30-year fixed mortgage through SunTrust Mortgage. NMLS # XXXX On XX/XX/XXXX, I received an email notification from SunTrust " congratulating '' me on my brand new checking account - separate from my mortgage. Alarmed, I immediately contacted SunTrust to notify them that I did not open a new account and that this was clearly identity theft. The Identity Thief changed my login credentials and so I was unable to " take back '' my account! After an hour and dealing with four different customer service reps in mortgage and their checking department, I was told to call back tomorrow and told that they could do nothing for me. I proceeded to call the next morning and spoke with a few more customer service reps including who was believed to be an important manager. The manager confirmed that my account safe and protected, to the best of her knowledge. I asked if we could somehow add an alert to protect my information, or perhaps change the loan number to prevent this from happening again. They told me that this was impossible unless I wanted to complete a refinance. I asked if this could happen again and the response was, " sir, we're doing whatever we can, but who knows ''! 

6 days later, my account was hacked again. We expressed to SunTrust once again that our information was compromised and we wanted it to be protected. We demanded that they protect our personal information. They were short with us on the phone, wouldn't answer any questions, and essentially told us that they could do an investigation. There was no sense of urgency from SunTrust and they intentionally would NOT take any measures to protect my personal information. They wouldn't even tell us the email address of the hacker, who again, changed our account email address and phone number once again! 

My information is still exposed and after repeated calls to whomever would be willing to help, I have not gotten any response or help. We feel as though our rights are being violated and WE HAVE EVERY INTENTION ON PURSUING LEGAL ACTION to get this resolved. SunTrust has shown no competence or effort is protecting our stolen identity.