davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXXXXXXXXXXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX AGENCY : XXXX XXXX XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF XXXX : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-05-22
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: Experian Information Solutions Inc. (AZ)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/2022 2. XXXX XXXX, XX/XX/2022 3. XXXX XXXX XXXX XXXX, XX/XX/2022 4. XXXX, XX/XX/2022 5. XXXX XXXX, XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/scrub>XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-05-22
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX XXXX TYPE : AUTO FINANCING DATE OF XXXX : XX/XX/2021 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-05-05
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. (NJ)

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 Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
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 2024-08-17
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. (FL)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is| XXXX XXXX. 
My XXXX  XXXX Number 's is XXXX Re : Consumer Financial Protection Bureau Complaint Case # XXXX ( responce ) To Whom it may concern.. 

Law XXXX XXXX XXXX XXXX ( XXXX ) - Procedure in case of disputed accuracy. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX again claims that the disputed information on these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX were verified but still contain inaccurate, unverifiable information. According to XXXX XXXX XXXX, the information is correct and accurate and their position remains the same regarding my first and second investigation of the accounts described above. I tried to correct the information twice but I still see obvious errors in my credit report. 
I have paper evidence included in this letter showing that XXXX XXXX XXXX ( YES ) has errors in their reports and the information is not accurate or precise XXXX XXXX XXXX  has violated XXXX U.S.C. Sec. XXXX ( a ) of the consumer rights and is still reporting inaccurate and different information in each credit bureau. 

XXXX XXXX XXXX not report the day of closing of the account, that information is incomplete and not verified. present proof of that XXXX XXXX XXXX  reports account opening dates incorrectly, that information is incomplete and not verified, present proof of that. 

Under the law XXXX XXXX Code XXXX ( XXXX ) I demand the immediate deletion of the account mentioned in this dispute, I have questioned XXXX XXXX XXXX multiple times about the accuracy of these accounts and XXXX XXXX XXXX has not been able to correct the errors,,, the law XXXX XXXX Code XXXX ( XXXX ) stipulates that after reinvestigating an account disputed by the consumer ( me ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be removed immediately. 

I demand that my written evidence in this disputed be reviewed and that XXXX XXXX XXXX delete the account at Experian XXXX and XXXX, and enforce the law XXXX XXXX Code XXXX ( XXXX ) XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission.

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX bUSINESS TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2022 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-07-29
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. (NC)

XXXX XXXX is on my credit report. This account does not belong to me. Here is the information : XXXX XXXX Account # XXXX, opened XX/XX/22
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Pulled a credit report from Equifax. No reported late payments. Then there was a negative information area. Says there are 4 negative items affecting my credit. Don't recall these items so I was going to dispute them for accuracy. On the negative information box, it states four accounts.

1. XXXXXXXX XXXX XXXXXXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4 . XXXX. XXXX XXXX. 

1. XXXX Account ending in # XXXX. Under payment status it states there were two ; thirty-day late payments. XX/XX/XXXX and XXXX XXXXWhen I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' No sure what to do, I can not dispute it. 

2. XXXX XXXX XXXX Account ending in # XXXX. Under payment status it states there were two ; thirty-day late payments and a 60-day late payment. XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXWhen I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' 3. XXXX XXXX account ending in # XXXX. Under payment status it states there is one thirty-day late payment. XXXX XXXXWhen I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' 4. XXXX. XXXX XXXX Account ending in # XXXX. Under payment status it states there is one thirty-day late payment ; XX/XX/XXXX and a sixty-day late payment ; XX/XX/XXXX. When I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' That being said those are listed as negative. But on another part of my credit report is states 0 late payments for all these accounts listed above. I will provide attachments of what I see and the steps I take to resolved them with the credit bureau.

In accordance with the law, 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER PLAN AS LATE FOR ANY PURPOSE. 

15 USC 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

Also, In accordance with the fair credit reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX. 
have violated my rights.
Consumer complaint received 2022-05-22
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. (MD)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-08-05
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. (CA)

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 Equifax credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts 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 XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-09-04
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. (NY)

I pulled my credit report to make sure everything is correct and I came across information not matching. 
Everything on my credit report needs to be 100 percent correct or I have the right for a deletion. They have made several violations against me XXXX XXXX XXXX XXXX Acct Type- Detail information does not match XXXX XXXX and XXXX XXXX Opened-information does not match XXXX XXXX and XXXX XXXX Limit-information does not match XXXX XXXX and XXXX Last Reported-information does not match XXXX XXXX and XXXX Comments-information does not match XXXX XXXX and XXXX Date Last Active- information does not match XXXX XXXX and XXXX Date of last payment - information does not match XXXX XXXX and XXXX Also XXXX is still reporting my account every month when they no longer have my account These are all violations especially still reporting ok as you can see in my credit report page I supplied.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX XXXX. 
DATE ASSIGNED : XX/XX/2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-05-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Blueprint Holding Co., Inc (CA)

I put my house up for sale, and quickly there was only one company dedicated to buying houses. 
The deal was {$90000.00}, which specified that the bank was owed about {$50000.00} or a little more. 
The point was that I asked them for {$40000.00} dollars for me regardless of whether something was owed more or less the case was that the buyer promised to take care of. Everything you want {$40000.00} don't worry about anything we take care of everything. 
Being, so I accept what was agreed, so I went to these people via e-mail and then by cell phone, agreeing again on what I demanded to close the deal, it arrived on the XXXX XXXX and the notary appeared at my house to sign the papers I read figures again that had nothing to do with what was agreed, I went back to communicate with the saleswoman who spoke the first time and she remembered the deal and told me that she was going to speak with her superiors to sign that we would fix it later sign the agreed day trusting this people from XXXX XXXX realtor but the money was not there at the time of closing, after asking where my money is and confirming that I need it, they said that I had to sign another agreement in order to add another amount, and it made sense to me they told me on monday and nothing they told me on wednesday and nothing then they said friday and nothing At this point no one knew anything and no one answered my e-mails or phone calls and in each message I repeated that I needed my money the last week they had me signing the same paper about 5 times how firm was the new arrangement so they tried to control me making me believe that everything is ready I don't think the treatment of either of the two XXXX companies is fair. They have made me stressed, they have made me feel miserable and I had to lie to the people with whom I have promised to pay on time for the XXXX of this month in a few days, let 's say. I have to move and I don't have the money to pay the new contract to the company that is going to rent me. I am going to be left on the street thanks to these people who, after the last day I signed, have not been able to tell me when they are going to pay me. 
In these moments in which, because of these people, a certain part of a repressed XXXX is activated, I want to take them to court and through the law that they take charge of all the financial problems that are produced by this negligence carried out by these two companies because of the disagreement that I am not even going to get the {$40000.00} that I planned to receive
Consumer complaint received 2022-05-22
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: Home Point Financial Corporation (FL)

Home Point Financial XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Acct ending in XXXX Several times Home Point Financial has closed or made the website unavailable for customer to make mortgage payments timely. Whatever processing you have to do internally to update website should not start until the time to make payments has expired. 
You are denying customers the opportunity to make their payments within the time allotted by law. 
Please correct my account as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Tel XXXX
Consumer complaint received 2022-05-05
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. (TX)

I filed an identity theft XXXX  report. I have repeatedly tried to communicate with the company about inaccurate information reporting on my file. No communication has ever been received after multiple attempts and no one is helping me.
Consumer complaint received 2023-02-11
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. (NY)

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. 

Account name : XXXX XXXX XXXX  # XXXX XXXX XXXX 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 2022-05-22
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. (NC)

I was reviewing my consumer report and I notice that the following account states that it's in bankruptcy and has also been sold to XXXX XXXX XXXX. There is no bankruptcy on my consumer report and you can't sell debt in a XXXX as it is against the law. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( A ) Reporting information with actual knowledge of errors. 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. 

XXXXXXXX  : Debt included in XXXX not true, Last Updated XX/XX/XXXX, Date Opened XX/XX/XXXX