davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account : # XXXX Account : # XXXX, Account : # XXXX, Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 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 — Problem with personal statement of dispute
Company: C/C Financial (GA)

Firstly, I was traumatically affected by the declared disaster Covid-19. I was let go from work to lessen the in office capacity. This pandemic and the mandates were out of the peoples control. This account is negatively affecting my ability to get a home to house my infant. Ive called and spoke with the creditor several times. I am XXXX because of this hit, I received an emergency housing voucher but am unable to use it because renters automatically see this negative hit and deny me instantly. Please help, there should be some kind of forgiveness due to an uncontrollable disaster occurring. My previous disputes meet FCRA requirements but no action has been taken.
Consumer complaint received 2023-05-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 2024-01-23
Product: Credit reporting 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. (PA)

On XX/XX/24 I contacted XXXX, XXXX, and Experian via telephone raising the awareness that I did not received written consent by me acknowledging that they had any authorized; written consent to release any of my information to any third party agency. I called them direct to seek this consent in writing and they have no known acknowledgement of this request of sort.
Consumer complaint received 2024-01-22
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. (PA)

Please see attached documentation to meet demands in a timely fashion. PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!
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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation (GA)

Firstly, I was traumatically affected by the declared disaster XXXX. I was let go from work to lessen the in office capacity. This pandemic and the mandates were out of the peoples control. This account is negatively affecting my ability to get a home to house my XXXX  Ive called and spoke with the creditor several times. I am XXXX  because of this hit, I received an emergency housing voucher but am unable to use it because renters automatically see this negative hit and deny me instantly. Please help, there should be some kind of forgiveness due to an uncontrollable disaster occurring. My previous disputes meet FCRA requirements but no action has been taken.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX  XXXX  XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$830.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (VA)

I sent a {$240000.00} $ wire from a US Citibank branch for the purchase of a home in the US on XX/XX/2022. I am a US citizen. Citibank is saying that the wire is under compliance review. Then Citibank said it is held by the government at OFAC. Later, Citibank said it is at the compliance department at Citibank. 
They did not provide a reason for this hold. They did not provide a timeframe for the review to be processed. They are just telling me they don't have any information to give and asking me to just wait. I have been trying to figure out what caused this review and how long it will take. 
The closing was supposed to occur on XX/XX/2022. It did not. I am in default of the house purchase contract That I have signed. XXXX XXXX XXXX will have to return the funds to my lender. I will lose the house, the earnest money deposit Citibank said it could take days or months.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

There was a credit card transaction for a balance transfer of XXXX dollars from a XXXX  XXXX XXXX credit card to a Chase credit card. This transaction appeared on my bank statement XX/XX/2021.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

please reverse all late payments with all my credit cards to be on time and paid as agreed. 
I was very sick with a XXXX XXXX XXXX. 

please forgive me for being late and in the future i promise to be on time
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MOHELA (PA)

Mohela has as of XX/XX/23 XXXX  out my students loans, however they are still showing on my credit report. The credit report shows that Mohela last reported to credit reporting agencies on XX/XX/23. No updates have been show on the credit report as far as the XXXX balance.
Consumer complaint received 2022-07-15
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. (PA)

In accordance with the XXXXir Credit Reporting XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. stated I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also stated a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-15
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)

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$2300.00}
Consumer complaint received 2022-07-15
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), # XXXX ( SELF XXXX XXXX XXXX XXXXXXXX XXXX ), # XXXX ( XXXX XXXX ) XXXX and # 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 : It also states a consumer reporting agency can not furnish a account Without my written instructions
Consumer complaint received 2021-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CO)

I have submitted to see verification proof from PHOENIX FINANCIAL SERV about a debt they claimed that I owe but they have refused to provide the information in a timely manner. The account number is XXXX. I demand that they removed this account immediately since they have not provided proof.
Consumer complaint received 2022-07-15
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX In XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Agen XXXX Balance : {$120.00} XXXX XXXX XXXX In XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Original : XXXX Balance : {$88.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/2022 XXXX Bank XXXX XXXX XX/XX/2022
Consumer complaint received 2022-07-15
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX In XXXX XXXX {$67.00} XXXX XXXX XXXX  XXXX Balance : {$140.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX In XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} Original : XXXX Balance : {$88.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/2022 XXXX Bank XXXX XXXX  XX/XX/2022
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc. (MI)

On XX/XX/XXXX I received a respond to my CFPB 's complaint from " Caliber Home Loan 's team '' which evidenced that XXXX XXXX and XXXXXXXX XXXX XXXX is obviously malfunctioning. 

This letter contradicts with a previous letter sent to me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX * on XX/XX/XXXX informing that Caliber became my new " Servicer '' for undisclosed to me parties. The Mailer ID for this letter was disclosed to me by USPS via my FOIA request, so its really XXXX  for XXXX XXXX and XXXX to pretend that this letter was prepared and mailed by Caliber  while I know who really prepared and mailed it, confirmed by official sources. 

According to XX/XX/XXXX XXXX to my non-endorsed Note the holder of this XXXX  is Caliber Home Loan, as well as undated XXXX  provided to me on XX/XX/XXXX by lawyer XXXX from XXXXXXXX XXXX XXXX 

According to undated and unsigned letter from " XXXX XXXX  XXXX '' said that this " servicing transfer '' was on XX/XX/XXXX. 

According to " Caliber '' 's letter on XX/XX/XXXX, " Caliber '' became " servicer '' of my alleged " loan on .... XX/XX/XXXX, again, for undisclosed parties. 

According to XX/XX/XXXX XXXX to my non-endorsed Note the holder of this XXXX is Caliber Home Loan. 

Its unclear to me whose payments, credits, charges and advances Caliber " processed '' while " servicing '' some " loan '' for someone who was never identified to me. 

All my money were collected from a XXXX XXXX XXXX XXXX TX and processed by XXXX XXXX XXXX XXXX ' branch XXXX for unknown to me parties It also unclear to me who " released servicing rights '' from Caliber and who transferred it to XXXX. 

XXXX want me to believe that " servicing rights '' can release themselves on its own, without any authority or human involvements. 

None of these letters are coming from XXXX, Caliber or XXXX and none of them are authorized by XXXX, Caliber or XXXX. 

Even " Loan numbers '' do not match. 

I demand disclosures who was my Creditor between XX/XX/XXXX to XX/XX/XXXX who owned account receivable for my alleged loan ; who appointed Caliber as a Servicer for my alleged loan and when and where exactly this appointment took place. 

I demand disclosures who authorized transfer of servicing from Caliber to XXXX
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXT XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX OF XXXX XXXX Balance : {$6600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$2300.00}
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2017-08-12
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. (FL)

i keep getting inquiries from this company after telling them over and over again there was no way i would make a inquiry 5 times back to back they finally send me a letter telling me they are concerned someone may be using my personal information.thats what ive been telling them for months
Consumer complaint received 2022-07-15
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. (FL)

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX OF XXXX XXXX Balance : {$6600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$2300.00}
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.