davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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  these accounts DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX and US DEPARTMENT OF EDU 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 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

There are multiple hard credit inquiries that recently showed up on my report ( last week ) that I never authorized. 

These unauthorized hard credit inquires include the following XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Wells Fargo Dealer Services XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries were never authorized by me and are adversely impacting my credit score.

Note that I am attaching a screenshot of all my listed inquiries but I am only disputing these 5.
Consumer complaint received 2021-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

transunion is reporting my chXXXX  under public records which is a private matter to me. according to 15 USC 1681 ( a ) this company is in violation of my right to privacy and the information they posted on my credit file i wish to be private. this company infringed on my right to privacy. please help me with this matter.
Consumer complaint received 2022-05-16
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. (IL)

I have tried 3 times to obtain my credit report from XXXX, I sent my State Id, my SS # : I called and requested it two times over the phone and tried to do it on line, they have not sent my credit report, I had no problems from XXXX, or Experian, but from the report that they sent me my rights have been violated. A consumer reporting agency can not furnish an account without my written instruction. The open dates are inaccurate, last active is inaccurate, date last reported inaccurate. This is grounds for removal and 15 USC 1681 section 602 A states that I have the right to privacy, 15 USC 1681 section 604 A Section 2., as a result of these things on my credit report I have hardship, I have a job, but I live with my Sister, I tried to get my own place and I was unable to because of my credit report. A credit report should not be the determining factor to get a place to live, you have the job making good money, but you can't get in because of a credit score is just down right ridiculous to me, I can not tell you how many people can not get a place to live because their score is too low, or they have erroneous stuff on their credit report that stops them from obtaining a home, these things need to change. If you need to contact me please contact via e-mail XXXX, address is XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Illinois XXXX.
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (TX)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

As far as I know, according to FCRA 605B, accounts that are being incorrectly should be removed on the credit reports. I am not sure what happened but please look at the accounts on the documents. There are reporting inaccurately on my credit report. Accounts and even status are incorrect. I am asking for your help as this upset me and feeling unwell because of the situation.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I do not recognize the following accounts listed on this affidavit/letter. Please send me a copy of the documents, which should bear my wet ink signature, that were used to establish these accounts or delete them. I believe that I was a part of XXXX  data breech, and XXXX XXXX 's data breech. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IL)

I was victim of a scam. I received an email ( it seemed from someone I know and trust ) asking to buy gift card and send back by email. I did that since I was told was a birthday gift. However I then realized it was a scam since they kept asking me to buy more and more gift cards and when I asked more details, that failed to provide. I alerted the fraud department and all my credit cards company. However I was told by credit card company that I wont get my money back since this was a scam and not a fraud.
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (MO)

I recently contacted Enhanced Recovery Company about a debt I noticed on my credit report. I was never notified of this debt nor given the right to dispute or have the debt verified in writing. The address ERC provided to me was one I do not live at. I requested they restart their recovery efforts by allowing me first a chance to pay the amount due without reporting to a credit bureau. I paid the amount in full and still see the issue on my credit as unpaid. I would like Enhanced Recovery Company to immediately remove this trade line from my credit report with any and all bureaus they have reported to. I feel this is warranted as I was never afforded the opportunity to handle this issue properly.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have submitted over XXXX  disputes to XXXX, XXXX & Experian about accounts that were appearing on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on which I received a notice back that they were investigated, verified and confirmed as mine. the account stating was opened XX/XX/XXXX was reported opened XX/XX/XXXX that is almost XXXX  months later so how was that verified. XXXX removed the inaccurate late payment from the account opened XX/XX/XXXX and then put It back without notice the next month. they have started not reporting my payment history and multiple accounts. I have called in to XXXX and was told that they did take steps to verify and they have mailed me exactly how and I would receive it in the mail. upon receiving the mail there was no proof of verification just a paper stating it was verified and the inaccurate information would be remaining on my account. XXXX and XXXX have also deleted the account that was opened XX/XX/XXXX but remains on Experian. I have never lived at the residence reporting this information and I have submitted my identity fraud information yet the item still remains on my Experian account. I am now receiving letters that they could not verify my identity from the information that I have sent in so they have not investigated the issue. how are now the same documents I have been sending to prove my identity now now enough information for you to investigate my claims. 

the credit bureaus have stated that my accounts were properly investigated but how is that possible when the open dates are innaccurate, the date last active is inaccurate, the date of last payment and the account status is inaccurate. this is grounds for removal as they have also violated my rights under 15 U.S.C 1681 section 602 A : states I have a 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 consent
Consumer complaint received 2022-05-16
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. (IL)

I received a copy of my credit report and found the following items to be inaccurate ; 1 XXXX XXXX XXXX XXXX XXXX  has multiple inaccuracies. 
1. Across the three bureaus the dates of last payments received are inaccurately reported ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian comments and acknowledges the debt as being discharged in bankruptcy. So the company has been reporting activity on a discharged debt. This is a validation of the Debt collection privacy act.

By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a Capital One Savor Card. My Credit was pulled the next day. A week later I received a piece of mail from Capital One asking that I snail mail them a copy of my social security CARD, Individual Taxpayer Identification Number, and my Government Issued Photo ID - no information can be redacted. 

I am very upset that they pulled my credit, which dropped my score 5 points with a hard pull, and then asked me to verify my identity. If I had known they were going to request additional information to qualify for the card before I applied, I would have passed. 

I am now in a predicament that CapitalOne had the nerve to pull my credit, and then ask me to verify who I am. My credit should have NEVER been pulled if they were not 100 % sure I was the one to request the card. The process should be that they are absolutely sure of my identity, request documentation, and allow ME to decide if I want to continue with this application before they degrade my credit score. 

Application -> Verify Identity -> Pull Credit ; it should NOT be Application -> Pull Credit to verify it is worth pursuing -> and then request that I verify my identity.
Consumer complaint received 2021-10-27
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. (NJ)

I am applying for a new home to help my family under this pandemic and my loan officer looked at my credit mentioning there's a problem and he can not move further with my application. He mentioned XXXX XXXX  XXXX is a new account and I have to fix this problem. There are accounts listed on my credit report that just popped up under National credit System collecting for a company called XXXX XXXX XXXX for {$7100.00} and XXXX XXXX XXXX {$6200.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on my credit previously in XXXX with XXXX XXXX XXXX account number XXXX and XXXX I was not familiar with these accounts and asked them to SUBSTANTIATE this claim that I owe them. I have been a victim of ID theft before and I monitor my financial affairs very closely. National credit System then removed the debt and placed it back after a month. All this happened under 30 days ( see attached screenshots ) so how would XXXX XXXX  XXXX send me a right to dispute or explain my rights.The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEPT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the XXXX bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because If I can not get my home to move my kids into, I will file suit with an attorney of my choice. TYPE OF ISSUE Didn't receive notice of right to dispute want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publish this description after the CFPB has taken these steps.
Consumer complaint received 2022-05-18
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. (FL)

To whom this may concern these items in my credit file are from unauthorized use of my Social Security number and card I did not authorize these accounts to be taken out in my name nor they relate to anything I did I am unaware of any of this please remove the information asap.. 
XXXX, XXXX & XXXX XXXX open XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$450.00} I included all the documents you asked for to verify my identity address
Consumer complaint received 2019-11-21
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: ENCORE CAPITAL GROUP INC. (MS)

Midland refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.
Consumer complaint received 2022-12-16
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. (MO)

XXXX XXXXXXXX has been reported as late payment. My account has been closed since XX/XX/2022, and the alleged debt is in dispute. 
15 U.S. Code 1681a ( 2 ) ( 1 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the reportXXXX XXXX XXXXXXXX is the person making the report. My transaction is my payment history for an alleged debt. 
The term consumer means any natural person obligated or allegedly obligated to pay any debt. 
A person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity 15 U.S. Code 6802 ( a ) XXXX XXXXXXXX XXXX not, directly or through any affiliate, disclose to a nonaffiliated third party, that is Experian any nonpublic personal information, unless XXXX XXXX provides or has provided me a notice that complies with section XXXX of this title. I did not receive a notice from XXXX XXXXXXXX, regarding disclosure of my information to Experian. 
15 U.S. Code 1681 ( a ), As determined by Congress, Experian is violating the accuracy and fairness of credit reporting of my information. Experian is not exercising their grave responsibilities with fairness, impartiality, and a respect to my privacy.

Due to Experian negligence of the law, my rights as been violated under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting credit, this as done harm to me and my Family. XXXX  XXXX as no standing to report a late payment to Experian, and they are now disclosing to other third parties. Which is in violation of my consumer protections given to me by XXXX.
Consumer complaint received 2024-02-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX repossessed vehicle while me a XXXX is on XXXX XXXX they are reporting this vehicle as closed They repossessed the vehicle and resold the vehicle without a court order due to me being on XXXX XXXX order This is against the law The are lying reporting this as closed when its repossessed they took and sold the vehicle
Consumer complaint received 2019-07-25
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: TD BANK US HOLDING COMPANY (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2022-05-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (NJ)

We put the house for sale. 
We received from Shellpoint the Payoff amount. 
We are disputing this Payoff amount. 
We are disputing the DEFERRED PRINCIPAL of : {>= $1,000,000} We do not have any record of this Deferred Principal. 
Please Validate and Verify this debt in compliance with CFPB Regulation F, 1692 G Should this debt be a part of a past Loan Modification, provide the details and the records of the Terms of that Loan Modification to Validate and Verify this Debt.
Consumer complaint received 2021-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX : {$9100.00} Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX : {$820.00} Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX : Inaccurate reporting amount across for each CB. 
Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX XXXX : It's reporting as a derogatory AND a collection for XXXX. 
Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I have reached out and sent multiple letters to CB AND Collectors. I have not heard anything from anyone. Above as you can see ALL of the dates I have reached out. I have sent numerous of letters and not once I have received anything. 

Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. CORRECT? However they are in Violation. 

PUBLIC RECORDS : Chapter XXXX Bankruptcy ( TransUnion/XXXX ) They are stating that the item has been verified. I have sent in multiple letters showing proof ( A COURT LETTER ) stating they the courts DOES not report any information to credit reporting agencies. I have also sent in proof from my XXXX report that the item has been REMOVE because it was unable to be VERIFIED. Please remove inaccurate information from my report IMMEDIATELY. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. )
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I noticed there was a charge of {$310.00} from on XX/XX/2022. I also saw a button that said " Pay over time. '' So I clicked it. It was listed next to my charges. Chase 's advertising and the way the website was designed made it sound like it would charge my credit card {$25.00} over the next XXXX  months. It wasn't until I clicked " Confirm '' that it showed me the details that I had to make that payment with cash. I called them to try to cancel it, and they made it impossible to cancel. They do this on purpose to cheat their customers in order for them to get more payments. I tried calling them but they hung up on me without addressing the issue.
Consumer complaint received 2022-12-16
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)

In accordance with the fair credit reporting act, XXXX XXXX CO XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.