davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT XXXX XXXX  ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXXXXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX  XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights
Consumer complaint received 2022-05-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights XXXXThe Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights 2- ( XXXX XXXX/ACCOUNT XXXX XXXX ) Has violated my rights 3- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 6XXXX ( XXXX XXXX  XXXX XXXX XXXX ) Has violated my rights 7- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute an inaccurate and unverifiable item on my Experian, XXXX, and XXXX XXXX credit report. The account in question is a charge-off reported by XXXX XXXX XXXX with the account number XXXX. This item is listed under adverse accounts on my credit report and is damaging my credit standing. 

I request an immediate investigation into this matter under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. According to the FCRA, all information reported to credit reporting agencies must be accurate, complete, and verifiable. If XXXX XXXX can not substantiate the accuracy and completeness of this account with documented evidence, it must be promptly removed from my credit report. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( b ), my right to privacy regarding my personal financial information is protected. As such, I am requesting that any information that can not be verified be immediately deleted, as retaining such unsubstantiated data violates my rights under federal law. 

Please provide a written confirmation that this item has been deleted from my credit report within XXXX  days of receiving this letter. If you need further information, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Consumer complaint received 2022-09-23
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. (NV)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-23
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. (LA)

In accordance with the Fair Credit Reporting act, the following XXXX AND XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
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. (AZ)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2022-09-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC (CA)

Requested for debt to be validated and I was informed that the original creditor is speedy cash ; I received a one-page letter without any disclosures from XXXX XXXXXXXX XXXX XX/XX/2022 after filing a complaint against the collection agency to verify/validate the debt. 

The letter did not include : -A " proper '' validation notice -The Validation period -detailed/itemized information regarding the debt; such as but not limited to ; - the original contract - the original loan balance -the specific type of loan - the account number associated with the debt- Clear and conspicuous information on where to dispute the debt - an itemization of the current amount of the debt reflecting interest, fees, payment, credits. 
- a copy of the most recent/last statement - the date the account was charged off/amount charged off - information regarding consumer protections I was prompted to report " ID Theft Affidavit '' without enough information provided to determine ID theft. This debt is frivolous and after doing more research it is also a fraudulent business activity that is not allowed in California.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (GA)

I have made NUMEROUS unsuccessful attempts to remove the INACCURATE INFORMATION that appears on my Experian ACCOUNT ONLY! Per the credit report received XX/XX/2022, Public Records Information. 

If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third-party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, or visit https : XXXX. 

HOW is this possibly true. As I have attached the XXXX Report, they DO NOT have any records for me regarding bankruptcy and the letter from the Bankruptcy Courthouse. Therefore PLEASE ADVISE AS TO WHY THE INFORMATION CONTINUES TO REPORT AS VERIFIED.? XXXX AND XXXX REMOVED THE INACCURATE FRAUDULENT INFORMATION years ago, however, I have experienced issues beyond issues of EXPERIAN inaccurate reporting that have caused me stress, anxiety, heightening of my XXXX, Major XXXX, etc.. I have previously filed a complaint with CFPB, and they responded to you, and you ( EXPERIAN ) STILL did not REMOVE THE INACCURATE INFORMATION. Therefore, I will file a complaint with the FTC today and a lawsuit for damages I incurred due to the NEGLIGENCE OF EXPERIAN FALSE VERIFIED REPORTING. I AM ATTEMPTED TO PURCHASE MY HOME AND THIS HAS HINDERED ME, causing IRREPARABLE DAMAGE to include : 1. WILLFUL FAILURE TO EMPLOY REASONABLE PROCEDURES TO ENSURE MAXIMUM ACCURACY OF CREDIT REPORT 2. NEGLIGENT FAILURE TO EMPLOY REASONABLE PROCEDURES TO ENSURE MAXIMUM ACCURACY OF CREDIT REPORT 3. WILLFUL FAILURE TO REASONABLY REINVESTIGATE 4. NEGLIGENT FAILURE TO REASONABLY REINVESTIGATE 5. FAILURE TO INVESTIGATE Following this complaint, a complaint with be filed to the FTC with attachments for further investigation.
Consumer complaint received 2024-08-25
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)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agency , 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. Reporting a fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and data breach which is the result of identity theft and fraud. These fraudulent accounts consists of a credit card accounts from XXXX XXXX XXXX XXXX opened around XXXX  2019 and another one around XXXX  2018, one at XXXX XXXX XXXX XXXX  around XXXX  2016. An Auto loan at XXXX XXXX XXXX XXXX around XXXX  2018, and XXXX XXXX XXXX around XXXX  2017. These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to the FCRA and FDCPA. 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 XXXX XXXX and fraud. I have attached a copy of FTC XXXX XXXX XXXX Complaint XXXX  ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX  and fraud.
Consumer complaint received 2022-02-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (PA)

We have been constantly contacted XXXX times a day each by Kia Motors Finance XXXX We made a payment and continue to receive multiple harassing calls sometimes before XXXX. My husband was called at XXXX this morning ( XXXX ) after we made a partial payment ( XXXX ) as harassed to do relentlessly. We have reiterated multiple times we would zero out the owed balance on Friday XX/XX/11. Kia continues to call via their automated system every XXXX hours to demand payment.
Consumer complaint received 2022-09-23
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

To someone that can help me, I am very deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.
Consumer complaint received 2022-02-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

This is a follow-up complaint for complaint # XXXX. My original complaint was about my mortgage company sending XXXX checks to my homeowners insurance company, but for some reason they had to put stop payments on XXXX checks because my insurance company didnt get the checks. They never explained to me why my insurance company didnt get the checks. A check was finally reached my insurance company in XXXX. On or about XX/XX/XXXX I received a refund check from XXXX XXXX, and I called my my mortgage company and asked them what I should do with the check. I was told to deposit the check in my bank account and then go online and make a payment to the escrow account. On or about XX/XX/XXXX, I received another refund check from XXXX XXXX, and I called my mortgage company and asked them if I should deposit the check or mail it back to them, and I was told to the same thingdeposit the account into my bank account and make a deposit to my escrow account, which I did. The next day, I checked my account and saw that it was in the negative for the same amount of the check that I deposited. I called my insurance company and asked if they put a stop payment on the check, and I was informed that my mortgage company put a stop payment on the check. I then called my mortgage company and asked them to send a check to get my account out of the negative. I was told that werent going to send me a check to get my account out of the negative. So now my bank account is in the negative for a large amount of money and I have bills that I just paid, and they will all bounce and cause my account to be even more in the negative.
Consumer complaint received 2022-03-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Have been receiving threatening letters and phone calls from collection dept of Citizens bank account no. XXXX in the amount of {$270.00}. Now I got a letter from a credit reporting company. Ive made several attempts via phone calls and USPostal Service. When I finally got a human on the phone, she wanted my SS no which I refused to disclose saying if you had a valid debt, then you would have the SS no. I said if u give me the number that you have and XXXX verify it if its correct. Agent refused. I am XXXX XXXX XXXX, suffer from XXXX advanced XXXX and I am unable to sleep nights due to stress related phone calls Im scheduled for a XXXX XXXX  in the next couple of weeks and this phony claim is extremely upsetting to me and is a deliberate attempt to inflict emotional distress.
Consumer complaint received 2022-05-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Today XX/XX/XXXX I received a letter in the mail from XXXX stating the because I submitted a previous dispute they will not conduct a further investigation into my accounts. This is obviously a violation of my rights. 
Also upon checking my complaints with the cfpb the credit bureaus stated they will investigate my case within 60 days. I feel this is very unfair and that i am being taken advantage of and is also a violation of my rights. 
According to 15 USC 1681 & CFPB investigations should be completed within 30 days of receiving original dispute.
Consumer complaint received 2022-05-03
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  Account # XXXX Account # XXXX Account # XXXX Account # 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.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC (CA)

Hard inquiries were done without my authorization, 
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