davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, XXXXunder the account number ( private ), an auto loan account opened at Navy Federal Credit Union on XX/XX/XXXX under the account number ( private ), and Navy Federal Credit Union XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-08-05
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)

My Rights Violated Under Fair Credit Act ( 15 U.S.C. 1681 & 1666b ) Account Number XXXX I hope this message finds you well. I am writing to bring to your attention that my rights, as outlined under the Fair Credit Reporting Act ( FCRA ), have been violated. 

Specifically, I believe violations have occurred under the following sections of the FCRA : 15 U.S.C. 1681 Section 602 : This section addresses the requirements for consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information provided in consumer reports.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section pertains to the limitations on the disclosure of consumer reports to authorized parties.

15 U.S.C. 1666b : This section covers the requirements for credit card issuers to provide clear and timely disclosures of important credit card terms to consumers.

I kindly request your attention to this matter, and I am eager to discuss the details further to resolve the issue promptly and amicably. It is my utmost priority to ensure that my rights are protected under the Fair Credit Reporting Act.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-10-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

XXXX XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Federal Trade Commission XXXXXXXX XXXX XXXXXXXX XXXX. 
Washington, D.C. XXXX To whom it may concern : I recently received my XXXX credit report which delineated an account that was unverifiable in XXXX, when I first disputed it ; however, the item was re-reported in XXXX, by National Credit Adjusters, XXXX XXXX XXXX XXXX XXXX, KS XXXX : the item reported by NCA to XXXX is a {$300.00} collection account called Speedy Cash. I was made aware of the reporting of NCA, XX/XX/XXXX, when I requested my credit reports from the 3 CRAs. NCA has never attempted to contact me. 
NCA, ( National Credit Adjusters ), has reported the account, which is also found on my XXXX and XXXX XXXX reports, as a Closed account, Retail, in CRA terminology, at XXXX. 

XXXX claims a Date Loss reported of XX/XX/XXXX, and XXXX XXXX reports the Date of loss as XX/XX/XXXX. NCAs reporting of the item, XXXX XXXX {$300.00}, violates the statute of limitations for reporting derogatory accounts : NCA is reporting a seven year old negative item, for 17 years at XXXX, by classifying it as Closed. 
The same item is being reported differently at all CRAs, by NCA. However, it appears that NCA is a reporting, not collection agency, for they have not, to this date, billed me in any manner. 

NCA maliciously placed this item, XXXX XXXX, in the Closed status at XXXX, so as to violate this consumer, and report the unverifiable XXXX XXXX, for 17 years. 
Further, NCA violated FDCPA XXXX, when I telephoned them @ XXXX, on XX/XX/XXXX, @ XXXXXXXX XXXX, PST, and spoke with NCAs representative XXXX XXXX I asked her to send proof of the debt, the original creditors address, and phone number for the creditor ; she, ( XXXX ) , hasnt responded in 15 days by mail or otherwise ; I believe she has 5 days to respond to a consumer, according to the FDCPA. XXXX has ignored the request, and therefore has no valid debt to report, or to collect. 

In conclusion, this complaint is asking that the FTC fine, for punitive damages, in the amount of {$1000.00} per violation, verified, delineated and described, above, from NCA for misreporting to the CRA ( 3 violations ), and violating the FDCPA ( 2 ), or a total fine of {$5000.00}. 

Sincerely yours, XXXX XXXX, XXXX. 
Enclosed : ID Verification, SS card, Bank Statetment, Voter ID, Drivers License
Consumer complaint received 2019-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC (PA)

I am lodging a formal complaint against accelerated financial. this debt collection company has violated the fcra and my rights. accelerated financial has 2 negative accounts on my credit reports 1 for {$840.00} and the other is for {$620.00}. I have no clue what this debt is and ive sent them debt validation request and they continue to ignore my requests, but they are still reporting every month on my credit reports which is a violation of the fcra. I am in the process of purchasing my very first home for my family and im being told these 2 accounts that does not belong to me is stopping me from being approved. I am requesting these 2 accounts be deleted immediately from my credit reports. I will sue if I have too. thanks for your time!
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

XXXX verified a bankruptcy on my credit report that I disputed several times and years. XXXX has XXXX XXXXXXXX XXXX XXXX, contacted them with the information XXXX provided on my credit report, they informed me they didnt report or have anything to do with consumer reports and they dont report to them, so then XXXX told XXXX LexisNexis is XXXXhe reporting agency well lexisNexus informed me they are not reporting any bankruptcy on my file to contact XXXX somehow XXXX keep verifying this. LexisNexis informed me the last time XXXX contacted them was XX/XX/year>, but XXXX have records of contacting them servaral times after
Consumer complaint received 2024-06-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (GA)

In accordance with the Fair Credit Reporting Act this account PROFESSIONAL DEBT MEDIAT XXXXhas violated my rights. 

15 U.S.C 1681 section 603 A. States I have the rights to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. Please delete the account information off of my report.
Consumer complaint received 2018-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (NC)

I applied online for a 5 year moratorium of offers of credit and fromally mailed in permanent opt-out on XX/XX/18. On XX/XX/18, I received a credit card offer from Chase for a XXXX XXXX XXXX XXXX XXXX. the Invitation number is XXXX XXXX XXXX. i have called the banks on other offers, but I just get the XXXX treatment, so I felt it is important to do a formal complaint.

The other identifying numbers are XXXX XXXX XXXX XXXX XXXX XXXX   with offer code XXXX
Consumer complaint received 2018-04-04
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. (CA)

Its been well over 6 month and I have been battling XXXX to review my letters and and remove the remaining collection accounts. The accounts in question have been updated to 3 collections. They changed the accounts to show that they are recent collections of a month ago when I solicited your help in the matter. All they did was close them, and updated the acoounts to a recent collection/late status when they are not even my accounts. 

The accounts are not mine, and my score has now decreased because of their change of status to closed collection. 

The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX ( recently added ) XXXX XXXX act # XXXX These accounts are not mine. Experian has spitefully added them as a collection late-closed status due to my request that you investigate this on my behalf. Like I said, my credit score has gone down to my request to you to investigage. Please help. Experian is clearly retaliating against me.
Consumer complaint received 2018-01-07
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. (OH)

XX/XX/XXXX. I sent a certified letter to Transunion asking them to remove the 2 accounts for a tax lien reporting on my credit file. 1st off they come back and tell me they verified the accounts but when I asked them to furnish me the information they received from the courts verifying that these accounts were accurate they told me they did not have anything to show me. I did n't ask them to remove this from my credit since they had no proof that these accounts were valid nor accurate they told me they were not going to do so. I am requesting the TransUnion remove these accounts from my credit immediately
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

I monitor my credit between 2 companies. One is XXXX and the other is XXXX XXXX. I got an alert on my credit about a judgement from Credit Control. My insurance normally pays all my insurance bills. In the process, I went to the courts in my area to see did I receive a summons or judgement against me. None of the courts in my area have any judgements against at ALL. So I'm wondering how I could have a judgement placed against me without my knowledge or a chance to fight it or pay it. I don't want any judgements on my credit. I want this deleted or I will contact an attorney and sue.
Consumer complaint received 2019-09-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MN)

my wife died in XX/XX/XXXX andXX/XX/XXXX I filed bankruptcy and left out my home mortgage and the home equity loan of {$48000.00} so I could kept my home I kept up the payments till one day the home equity bank took it off line that was the way I was making the payments. So I called them and they put lien on the home that I would pay it off when I sold the home and I said no more payments they said yes. A few years later I get a foreclosure letter. I have talk to the county and a legal assistant and the attorney general of Minnesota. All I want is for the bank to clear the payment history so can refine my home to to pay them off thank you
Consumer complaint received 2024-05-16
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. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I need to inform you I was the victim of identity theft. I'm disputing this account as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 
The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which have been mistakenly existing on my report for over XXXX years. 

But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. 
Please dispute this account. This was opened with out my knowlege, authority or consent. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-16
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

I recently won an amex gift card through a sweepstakes on XXXX, I was sent an {$100.00} virtual amex gift card, accompanied by a {$50.00} XXXX XXXX XXXX XXXX. I was able to spend the XXXX XXXX XXXX immediately, worked well, but the amex card was a different story. I have tried every merchant possible, XXXX, XXXX, XXXX, and target to name a few, but I have tried many more ( including lesser known shops, just in case ) and no one will take it. I have called customer service at American express 4 or 5 times and they keep telling me the same thing, that my card is being declined for fraud protection and to keep trying merchants or to spend in store. I can not spend " in store '' when it was a virtual gift card, this lady keeps telling me that I can just type my card info in at stores in person but that's not how stores around here work, no card, no in person spending. I tried to request a check in the amount of the gift card and failed there as well as they told me the refund or check would go to who issued the gift card instead. I'm at my wits end, I have {$100.00} dollars stuck in space with bills due and shopping needed, I won that money fair and square and it isn't fair that I'm fighting a losing battle to spend it. Please help.
Consumer complaint received 2023-03-14
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. (CA)

The following accounts are inaccurate and they are in violation of my rights according to the FCRA XXXX XXXX XXXX XXXX These credit bureaus EQUIFAX XXXX XXXX have failed to verify these accounts after disputing this issue with them directly.
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (FL)

This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Consumer complaint received 2018-11-19
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: FC HoldCo LLC (PA)

Recently, I have received my credit report and seen that I had 9 hard inquiries that I have not filed applied for. Which are listed below and all of these are for an auto loan which I did not applied. I tired contacting all companies below with dispute letter, asking them to remove the hard inquiries the companies had added to my credit report and I have not received a answer back or nothing has changed on my credit report. 



XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX  - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX  - XX/XX/2017 XXXX XXXX - XX/XX/2017
Consumer complaint received 2019-04-08
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. (MA)

Listen, I'm not sure how to handle this anymore but I've sent several letters both to the credit bureaus and the original creditor that I've never signed any documents about this debt and I've sent signed affidavit notarized confirming that it's not my account. Please remove this account. Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX