davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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. (CA)

Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX  Date Opened XX/XX/2021 Balance : {$150.00}, XXXX  Date Opened XX/XX/2021 Balance : {$150.00}, XXXX XXXX XXXX Date Opened XX/XX/2021 Balance : {$130.00},
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (IN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2022-05-13
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-05-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (NM)

Please see previous Complaint ID XXXX. I just received notification that my complaint was closed because the company merely responded, yet they have done nothing to resolve the actual issue. 
I faxed and emailed ( proof attached ) all information requested, and I have yet to receive any communication or correspondence from PRMI since submission. 
The complaint is still fully valid and even more so now.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (SC)

Back in XXXX and XXXX of 2021, I had complications with my bank and they ended up withdrawal double the payment amount for a car payment, once the mishap was noticed, I had already received communication stating that my payment had not gone through. Mind you, I have 8 other obligations ( Loans are credit cards that were paid and processed ) I sent in XXXX the letter from my bank stating the mishap, I sent in my bank statements of the over withdrawal and the funds being sent back to me correctly from my bank, and I also sent in my bank statements that showed when I processed all payments, and I ended up making four payments to both XXXXXXXX XXXX, and XXXX XXXX XXXX XXXXewards and they still showed me for 30 days past due, even though I actually made the payments before the due date, then was made aware by my bank that there was a mishap with processing and they were to send me back funds. I immediately reached out to both XXXX and XXXX who then told me to reach out to the credit bureaus even though they knew it was at no fault of my own that the payments did not go through. They even sent me emails stating that the payments had been made. I have never had a late payment. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-13
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: Medical Data Systems, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$5800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance XXXX {$170.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} TransUnion : XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I sent out a letter along with my driver 's license and utility bill as proof of identity/ address to Experian here is my tracking number XXXX. The letter was to remove any personal information I do not want on my consumer report. Not only did Experian not remove the information requested they completely ignored my dispute. 

Experian is in violation of FCRA 15 USC 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency as disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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.

Experian is in violation of FCRA 15 USC 1681 ( a ) ( 2 ) ( a ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


Experian is in violation of FCRA 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I did not give Experian written instructions to furnish the disputed information on my consumer report. 


According to FCRA 15 USC 1681 ( a ) ( 4 ) Congressional findings and statement of purpose, I as the consumer have a right to privacy. 

Experian is in clear violation of my federally protected rights.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DIME COMMUNITY BANCSHARES, INC. (NY)

On XX/XX/XXXX I ordered merchandise from a website XXXX  based on an unsolicited email. Payment was made by e-check and withdrawn from my account on XX/XX/XXXX in the amount of {$110.00}. The merchandise was never delivered. About a month later I notified XXXX  that I never received the merchandise. They promised to reship but of course it never happened. Subsequently, I notified them that I did not receive the reshipment either and I requested a refund of {$110.00}. They promised a refund but of course it never arrived. On XX/XX/XXXX I notified the FTC that I was scammed and filed a formal complaint. FTC advised to call my bank and attempt to reverse the e-check. My bank informed me that it was too late to reverse the charge since their limit is 60 days after the transaction to undo an e-check. FTC then advised to contact CFPB.
Consumer complaint received 2017-08-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation (NV)

On XXXX XXXX, I came to a settlement agreement with XXXX XXXX XXXX, a representative of the collection firm Pateneaude and Felix A.P.C. concerning the listed file number. I was forced to reach an agreement with this representative due to XXXX XXXX refusal to work with me. My contact through XXXX XXXX was XXXX XXXX and it was difficult to reach him and get responses or answers in a timely manner. While his letter referred me to Pateneaude and Felix to resolve the account, I had on more than 1 previous occasion rescinded any rights to transfer my information or account outside of XXXX XXXX. As a result of forcing my hand, per the attached settlement letter, the amount of {$4100.00} was paid in 2 installments of {$250.00} on XXXX XXXX and {$3800.00} on XXXX XXXX as the enclosed copies of the payment receipts show. As a result of my payment in full, I contacted XXXX on XXXX XXXX, XXXX at approximately noon to request an immediate paid in full letter to be emailed to me at XXXXXXXXXXXX as soon as the payment had cleared. This representative became rude when I stated that I wanted the letter to be sent to prevent any additional fees to be suddenly added after my final payment. The final payment cleared my bank as of XXXX XXXX and 2 weeks have passed with no letter of confirmation of payment in full. I felt very threatened when XXXX had a court appointee bang on my front door hard enough to dent the strike plate and damage the latch in order to issue a summons at the beginning of this entire confrontation with a letter in the summons dated from XXXX XXXX, XXXX and presented to me on XXXX XXXX, XXXX. On my initial contact with XXXX, I expressed my complaint at the way the summons was served and that my wife and I felt threatened at the scare tactics used. His response to me was Im a lawyer so I know the law and I dont care what you do and his language was very confrontational and his statement about the aggressive tactics were to get my attention. I am requesting a completion of payment and paid in full letter in accordance with my request to XXXX and in accordance to the total in the agreement letter to be mailed within 24 hours of your receipt of this certified return receipt letter. This letter and its accompanying documentation will be mailed to both Pateneaude  and Felix and XXXX XXXX and will be retained for any possible future action that might be needed. I will be notifying the Better Business Bureau and the Consumer Finance Protection Bureau about this complaint.
Consumer complaint received 2016-03-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Patenaude & Felix A Professional Corporation (CA)

I first learned that this company had won a default judgment ( in XXXX XXXX ) against me on XXXX XXXX, XXXX. On XXXX XXXX, I went online to see if a payment for an automatic withdrawal had been processed. I found that the company had a levy in the amount of {$6100.00} against my account and that all of my funds had a hold on them. I have attempted contact with them explaining and providing proof that I am on Social Security, and will lose my rented home if they do not release those funds. I was told that since I had money in a savings account which I had been transferring to my checking account to pay my bills that the entire amount was not Social Security. Even though I explained to them that I have not worked since XXXX, more than a couple months in XXXX and XXXX. I explained that I had been on Social Security XXXX since approximately XXXX, and that I have no income other than Social Security, they have not done anything with regards to correcting this matter. I have called and been told several times that I would be contacted in this matter. I can not afford legal counsel in regards to this matter. I was not served properly, as the address with which I was served was not an address I had lived at for over a year at the time of the supposed service. When I spoke to the attorney regarding this he stated that I was also served at the address which I was living, but there is no proof of service for that address. XXXX. I do not want to be homeless.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Shellpoint Partners, LLC (IL)

On XX/XX/2022, my wife and I submitted an official complaint to the XXXX XXXX XXXX, in relation to Shellpoint Mortgage XXXX ( based in South Carolina ) Shellpoint recently reported a late mortgage payment to the credit agencies, which resulted in a significant deterioration of our credit score. We kindly requested that the situation be reversed given the considerable hindrances presented by the Company to set up a recurring payment on Shellpoint 's website from the beginning, which eventually resulted in this late payment situation. ( Please see attached information ).
Consumer complaint received 2022-05-13
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. (LA)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-05-13
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. (LA)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} TransUnion : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$0.00}