davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (TX)

Per my state and the applicable federal reporting laws and standards for compliant reporting of physically verified true, accurate, complete, timely, validated claim ( s ) that are equally properly certified compliantly reported is the MINIMAL CRITERION FOR REPORTING or which is NOT AN OPTION but rather a REQUISITE to report LEGALLY! 

I here again DEMAND that you are LAWFUL in reporting ONLY CLAIMS that are documented and demonstrated as CERTIFIED COMPLIANT in the reporting of ONLY factually true correct complete timely physically verified valid claim ( s ) that equally are certified compliant in its processes of reporting and investigations even to the mandated perfect and complete CERTIFIED COMPLIANT METRO 2 FORMAT REPORTING STANDARD ( s ).

Any deficiency of reporting INCLUDING proof of such invalidates REPORT-ABILITY of any injurious allegation ( s ) contested by an injured consumer and THIS LETTER is my official WRIT NOTIFICATION of CHALLENGE so REMOVE FROM REPORTING any derogatory claim now and permanently please to return to and retain required compliance of reporting status, which you MUST DO! 

ADDITIONALLY, this letter is your OBVIOUS formal notice to Cease and Desist all collection activities in regards to the above titled Inquiry, specifically because the reporting of claim ( s ) was a part of the collection action thereby if a part is spoiled the whole is as well! 

As your firm is well aware I have LEGALLY exercised my rights by disputing the validity of this application/inquiry that I have NO knowledge of its proven document of adequately acquired lawful permissible purpose and I can not assume it is legitimate otherwise. 

I have in writing and by phone demanded that you provide documented validation to me of claim ( s ) and the proof of certified compliant reporting such as to the mandated Metro 2 format standard ( s ), instead you have ignored my demands. By ignoring my legal validation request of claim 's verifiability of certified COMPLIANT METRO 2 FORMAT REPORTING and truth accuracy and completeness of validity otherwise your firm is in direct violation of the FDCPA and FCRA.

Since your firm has knowingly violated both federal and state law, I am demanding that you CEASE all reporting activities IMMEDIATELY! Stop at once reporting the debt in question to any and all Credit Report and delete it from my credit report at once.
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weber & Associates, Inc. (CA)

I am a victim of identity of fraud and or identity theft.This account was opened and made by someone else pretending to be me. I did not authorize or used or benefited from the opening of this account that I'm disputing it needs to be removed immediately and updated on my credit profile
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was scammed out of XXXX $ on XXXX  last night i sent money to the persons email after being sworn multiple times itll be sent back because its a deposit fee for security purposes. well this person kept making stuff up and adding more charges it once went from me sending XXXX $ like we originally agreed on to sending XXXX $ and this lady refused to send my money back unless i keep sending more which is a scam. please help i need the XXXX back i have a lot of bills and am only XXXX XXXX XXXX.
Consumer complaint received 2022-04-24
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. (SC)

I have attached my most recent TRANSUNION credit report. The Fair Credit Reporting Act clearly states that the consumer credit reporting agencies must report accurate information about all consumers. Transunion CHECK the address that this furnisher is reporting. This is inaccurrate. I do not have a previous address with this XXXX XXXX XXXX NORTH CAROLINA
Consumer complaint received 2022-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Prizm Financial Company, LLC (NV)

I applied for a auto loan through Prizm Financial and was approved on XXXX  the lender made it a requirement to sign a auto payment agreement in order to get the loan, they also stated in order to remove the auto pay I must pay a fee in excess of {$100.00}.
Consumer complaint received 2022-12-12
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. (CA)

I a a Victim of Identity Theft. I was notified that my info was breached in the XXXX XXXX and XXXX XXXX XXXX. I was given an settlement claim number along free credit reports for 7 years. I have sent letters, called and disputed online the erroneous accounts but have been unable to receive anyhelp or received free reports for the system is always down. 
In accordance with FRCA evrything must be accurate. 
My rights have been violated under U.S.C 1681 ( a ) ( B ) ( G ) ( i ). 
How can these been accurate if my SSN is not even on my report, along with 10 different names, 9 diffrent employers and 4 diffrent dates of open, XXXX  XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} I am requesting these accounts to be deleted for they are not mine!
Consumer complaint received 2022-06-06
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-03
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. (TX)

I HAVE SENT ALL XXXX PROOF AND ATTACHED DOCUMENTING SHOWING MY CONSUMER REPORT 'S SHOWING INACCURATE REPORTING FROM XXXX XXXX, AND XXXX XXXX REPORTING INACCURATE INFORMATION ON ALL XXXX OF MY CREDIT REPORT 'S. XXXX HAS BEEN THE ONLY CREDIT REPORTING AGENCY ACTUALLY REMOVING OFF MY CREDIT REPORT! XXXX I AM NOT ASKING YOU TO VERIFY, I AM TELLING YOU TO REMOVE OFF MY CREDIT REPORT! TRANSUNION, YOU ARE ALWAYS HAVING ISSUES WHERE I AM NOT ABLE TO FILE ANY DISPUTES AND UPDATE DOCUMENTS OR YOU START A DISPUTE AND NEVER SHOW ME THE OUTCOME.ONCE AGAIN FOLLOW THE LAWS THAT CFPB AND FCRA HAVE PUT IN PLACE FOR YOU TO FOLLOW. YOU ARE UNDER A XXXX XXXX : Credit reporting agency ( also known as credit bureau ) - Major consumer and commercial credit reporting agencies that have signed agreements Memoranda of Understanding ( MOUs ) with Government agencies to receive and integrate credit information ( data ) from voluntary subscribers ( Federal agencies and private sector entities ) into their respective database. In turn, this information is sold, oftentimes by smaller credit reporting agencies, to purchasers of credit data ( in the form of credit reports and other products ). The credit report, etc., is used to determine creditworthiness, conduct credit scoring, assist with collection efforts, or for other permissible purposes as defined by the Fair Credit Reporting Act. 
YOU ARE REQUIRED TO FOLLOW THE FEDERAL CREDIT BUREAU LAWS AND YOU ARE NOT! 
ONCE AGAIN, THESE COMPAINES ARE REPORTING INACCURATE INFORMATION ON ALL XXXX CREDIT REPORTING FILE PER FCRA ; The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. 
YOU ARE NOT FOLLOWING ANY LAWS, ONCE AGAIN I AM NOT ASKING YOU TO VERIFY ANY INFORMATION. THE INFORMATION HAS ALREADY BEEN VERIFY AND REPORTING INACCURATE, SO DELETE!
Consumer complaint received 2022-06-06
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

I have reached out to wells Fargo on a number of times to ask them to remove this credit card account from the credit bureaus. I paid the date off a couple of years and they agreed to remove from my credit report and it has been listed on my credit reporting agencies for over 8 years now.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

According to XXXX 's XXXX XXXX XXXX XXXX. defines Verification as : Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ; XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX. You have to have documents that support your claim that you verified the accuracy of the disputed item ( s ). Its the business record ( the documents ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s I dont have a contract with a signature attached and the credit agency has failed to provide physical proof I don't have documentation in my records of XXXX XXXX XXXX for {$140.00} XXXX dont have documentation in my records for municipals credit union for {$3300.00}
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Per USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-31
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. (GA)

I have attached the proper information to display the balance with XXXX XXXX is now XXXX. I am requesting that my credit profile is accurately updated to reflect the balance of XXXX. I have made all payments with XXXXXXXX XXXX XXXXXXXX, who purchased the debt from XXXX XXXX. I have also attached copies of letters they've sent me via mail displaying what they were deducting from my account. This is to verify that XXXXXXXX XXXX XXXXXXXX stated they are representing XXXX XXXX. I have also attached the billing statement displaying what has been deducted from my account which is the final payment needed to XXXX out the balance with XXXX XXXX.
Consumer complaint received 2024-10-31
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. (MP)

Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I, hereby opt out of all third-party companies of consumer reporting agencies such as Experian, XXXX and XXXX to disclose information such as my student loan and credit card information such as : XXXX XXXX XXXX XXXX  Account Type XXXX Student Loan XXXX XXXX XXXX  Account Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Open Account XXXX ) XXXX/DEPT OF ED Account Type : Student Loan I have not given them full authorization to disclose any of my information of student loans. Please do immediately remove all student loan and credit card accounts listed on non-affiliated third party companies of Experian, XXXX and XXXX Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option Thank you for assisting me on this crucial request and I hope to hear form you within 4-10 business days.
Consumer complaint received 2024-10-31
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. (GA)

The Consumer Reporting Agency ( CRA ) created a consumer report utilizing my names, which intellectual property are the private property of my Irrevocable Trust, without my written authorization or consent and is furnishing information from that unauthorized consumer report - information that was collected under false pretenses - to banks and other lenders, which has resulted in adverse actions that have caused serous harm. The CRA is in violation of the Trust law, the Fair Credit Reporting Act and federal intellectual property statutes.
Consumer complaint received 2022-08-14
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. (VA)

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. 

XXXX XXXX Account XXXX has violated my rights XXXX XXXX XXXX Account XXXX has violated my right XXXX Account XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-10-30
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. (NC)

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!