davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I received my Credit Report from Experian with false information which I demand to investigate and provide me documents in support of Experian reporting information A credit report is a record of your financial history with money borrowed like credit cards and mortgages. 

I never borrowed any money from XXXX XXXX XXXX XXXX XXXX ( partial account XXXX ) and XXXX XXXX XXXX, XXXX ( partial acct XXXX ) [ which is a fictitious company ]. None of these companies have no relationship to me at all I demand disclosure from Experian about the source of information and in which capacity they included XXXX  and XXXX  in my Credit Report I demand to provide me copies of all documents provided to Experian based on which they determined that XXXX  or XXXX loaned me any money or otherwise related to me I demand the name and contact information for the authorized employees from XXXX  and XXXX who are responsible for furnishing information to Experian and who can verify information furnished to Experian and the name and contact information for Experian 's employee who received documents and information from XXXX  and XXXX and who can explain why and in which capacity XXXX  and XXXX  appear on my Credit Report
Consumer complaint received 2022-04-18
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: Experian Information Solutions 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 U.S.C. 1681. 
XXXX. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
EASTERN ACCOUNT SYSTEM HAS VIOLATED MY RIGHTS. 
XXXXXXXX XXXX XXXX I HAS VIOLATED MY RIGHTS. 
XXXX. XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX  HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXXI HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
XXXX  XXXX BANK HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 604 A SECTION 2. IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-04-18
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. (GA)

XXXX XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX finance XXXX, XX/XX/XXXX Account does not belong to me XXXX XXXX XX/XX/XXXX does not belong to me
Consumer complaint received 2022-04-20
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account type : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 UCC 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 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 ; XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX ACCOUNT # 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 a 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 2022-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Starting In XXXX - Contacted XXXX XXXX concerning deceased mothers Traditional IRA . Informed them I was the executor of the estate and a beneficiary. They said a life services advisor would reach out to me. Never did. 
-Second call-XXXX  Informed me that I needed to contact other two beneficiaries concerning account. Pulled them onto 3 way. Gave all information. Then was told the account was frozen. Given my life services email. 
-Emailed XXXX XXXX XXXX waited another week then told the account was no longer frozen. 
- Called and emailed XXXXno response again- Waited another 3 hours ( over 18 hours at this point ) spoke to another customer service representative. This representative states he didnt have any information from the beneficiaries despite the call with XXXX XXXX Call lost - Next day- another 3 hour wait- spoke to someone again, we all gave him information. Stocks liquidated. 
- Email sent to XXXX again- distribution forms sent. 
-Early XXXX- forms filled out and faxed to XXXX and to company by all 3 beneficiaries. 
- XXXX XXXX called again- well over 80 hours of wait time : XXXX Forms  said to have been filled out wrong, one missing state tax despite copy that was sent with proof had state tax information. One last stock had to be liquidated. 
-XXXX  XXXX call made again- told all forms were there and correct that checks will be dispersed XX/XX/XXXX. 
- XXXX XXXX Call placed again. Told distribution center denied checks. Could not give a reason why and stated a supervisor would reach out the next day. No calls/emails/ or return emails have been made. 
- Spoke to XXXX stated he could not discuss account nor would he give me supervisor number
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to my consumer report I received dated XX/XX/XXXXXXXX  and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you XXXX XXXX, or XXXX XXXX such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XXXX listed late payments 2. XXXX  XXXX, XX/XX/XXXX listed late payment
Consumer complaint received 2022-02-02
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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. (MI)

Transunion Credit Breau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made numerous attempts since 2018 to have Fradulet information removed from the credit Breaus I have sent certified identity theft reports I have sent certified police reports they have not followed the law An block these items from my report They place them into dispute to keep a long process going iam in the process of speaking to a lawyer now for damages, time wasted! an to hold them accountable for not following the FCRA
Consumer complaint received 2022-04-18
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: Shellpoint Partners, LLC (MD)

I was in the middle of a modification when Shellpoint/Newrez decided to report my account as delinquent. It damaged my credit. I was under a forbearance plan and before I was about to end I contacted and we started the process for a new loan/modification, etc. I tried to pay to avoid the negative reporting but the payment was rejected because the paperwork was not finalized. The reason why I was in a forbearance plan was because I was affected by XXXX and I was having difficulty making eh payments. They new my credit was going to get affected by the reporting and I don't understand why would they want to hurt people this way knowing that I was working with them modifying the loan.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-03-31
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. (CA)

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 
Also Attached is a copy of my identification and current address. 

RE : XXXX XXXX XXXX  XXXX Account # XXXX In accordance with the Fair Credit Reporting act Convergent 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. 

The Company 's Response to Complaint XXXX In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX. 

I have attached additional information need to verify my identity and current address.
Consumer complaint received 2022-03-31
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)

keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX is advertising a XXXX XXXX XXXX XXXX for XXXX due to being a repo vehicle. I chatted with sales associate XXXX regarding this XXXX  and he offered me a discount if i put down 40 % down payment and finance the rest. I provided them my personal information such as driver license, address and credit card number. They approved me XXXX loan with in house finance at 3.07 percent interest. They emailed me the invoice and vehicle sales agreement and I wired transfer {$22000.00} to an Bank of America routing number XXXX and to account number XXXX on XXXX. I received an email from XXXX to inform that the car will be shipped to me on XXXX and will be delivered to my residence on the XXXX. A vehicle tracking was also provided for tracking purposes. The car was never delivered to me on the XXXX. They stopped all chats and blocked my phone calls. i did some research online and they are actually using other legit company web sites car photos from XXXX and put them on their web site to scam consumers. Please assist me to get my money back and take down their web site to avoid future frauds to other people. 
I contacted Bank of America regarding their client is operating money laundering schemes but they refused to assist me. They will not disclosed any information regarding their client.
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

On XX/XX/2022 I sent Wakefield and Associates a letter asking them to validate the debt I supposedly owe them. I asked for original documents bearing my signature, proof that the statue of limitations hasn't expired and how they calculated the interest and fees and proof they own this debt. On XX/XX/2022 I received a letter from Wakefield and Associates and the information they sent over was unresponsive to my original demands. Not only that, they violated XXXX by sending over my Diagnosis Codes, Medical Record Number, full social security and a lot of other Protected Health Information I NEVER requested. I never signed a XXXX form requesting them to access and send over my medical history. I contacted the original creditor and spoke with XXXX the supervisor she states they never sent that kind of information to Wakefield. They have violated my rights. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2022-03-31
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. (NV)

The credit bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

they did not do this Also, they have violated my rights even more In accordance with the Fair Credit reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. Payment history is also showing inaccurate reporting on all 3 credit Bureaus. This grounds for Removal They Also Violated the law because according to 15 U.S.C 1681 Section 602 A. States I Have the Right To privacy! 5 U.S.C 1681 Section 604 A Section : States a Consumer reporting Agency Can not a account without my written instructions I did not grant anybody written instructions
Consumer complaint received 2022-03-31
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-31
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. (NY)

I am writing today because I am shocked on how poor attention and lack of investigation Experian, XXXX, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX account number XXXX The first error date open XXXX is reporting XX/XX/2021 while Experian and XXXX is reporting XX/XX/2021. 

The second account status Experian is reporting closed, XXXX and XXXX is reporting open. 

The third error payment status XXXX and Experian is reporting collection/ charged off while XXXX is reporting late 120 days. 


The last error credit limit XXXX and Experian is reporting {XXXX} and XXXX is reporting {XXXX}. 
I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. There has been numerous inaccuracies with this account.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Elevate Recoveries, LLC (TX)

I paid Elvate Recoverie XX/XX/2021, I settled the account for {$390.00}. This was a medical bill. The representative informed me the credit account would be removed from my credit report. I contacted the company and was informed the same information regarding the account would be removed from my credit report. Please contact this company and investigate their policy and procedures for possible consumer deception. 

The account is currently reporting on my credit report.
Consumer complaint received 2022-03-31
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. (NY)

I am writing today because I am shocked on how poor attention and lack of investigation XXXX, XXXX, and Equifax has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX account number XXXX The first error date open XXXX is reporting XX/XX/2021 while XXXX and Equifax is reporting XX/XX/2021. 

The second account status XXXX is reporting closed, Equifax and XXXX is reporting open. 

The third error payment status XXXX and XXXX is reporting collection/ charged off while Equifax is reporting late 120 days. 


The last error credit limit XXXX and XXXX is reporting {XXXX} and Equifax is reporting {XXXX}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. There has been numerous inaccuracies with this account.