davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (CA)

NATIONAL CREDIT ADJUSTERS has the original creditor listed incorrectly on my 3 credit reports.

On XXXX the original creditor is listed as National Credit Adjusters and on XXXX  and XXXXXXXX it is listed as XXXX XXXX XXXX XXXX. The information is inaccurate and I have sent letters requesting they investigate this and they have failed to do so. When applying for a loan this inaccuracy has been questioned and has caused me harm for not reporting accurate data. 
I need this removed from my credit before a suit is filed against them for furnishing inaccurate information and the CFPB is the only way I feel this can be done.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I do not have an idea how this company conducted an inquiry on my credit report without my authorization! Please take this off my credit report immediately 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
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am very disappointed on the development of how credit bureaus fix my credit report. It's as if nothing has changed..I know I don't deserve this erroneous information you are placing on my credit report..I have always been responsible with my payments, no late on XXXX XXXX XXXX, CFPB step up and fix this account
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (DE)

I have called repeatedly about my loan payoff since XXXX. XXXX # XXXX. I got a payoff balance which I immediately paid electronically. Then sent paperwork. Received another bill, called and they said they never received my paperwork and now there was {$49.00} due. Spoke with a nice lady who told me to just email my paperwork in to expedite since there was an error. I immediately made the {$49.00} payment electronically and sent in the paperwork via email as requested. I called a week after and spoke to a woman who said the paperwork was received and I should receive my title in 2-3 weeks. My registration expires at the end of XXXX and I have an offer to sell the car and just need the title. I decided to be patient and wait the 2-3 weeks. 4 weeks later I get a bill for {$0.00} in the mail which is odd because the loan is paid off so I call and a woman puts me on hold and then disconnects me. I call back only to have someone tell me that I should have made the payment via certified check and mailed the paperwork. I said they were trying to expedite since this has been going on since XXXX. She said basically I didnt follow procedure even though I did what the previous agent told me and that my payment didnt count but they would try to make an exception but it will take 4 days and another 7-10 to mail. This means I cant sell my car by the end of XXXX. I have leased cars for years and never dealt with this level of disregard for customers. Its truly astounding that you can pay off a car in XXXX and not get sent your title for almost 3 months. Thank goodness I didnt need to sell my car right away because I would be in a really bad spot. US Bank should be ashamed of themselves.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX, XXXX, XX/XX/year>, 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 credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint
Consumer complaint received 2023-10-18
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. (CA)

I viewed my credit report and notified the credit agency OVER 30days ago that my credit report had fraudulent accounts.

I sent in the needed information in order for them to successfully block these fraudulent items from my credit report pursuant to 605B : I provided proof of my identity, list of the fraudulent information on my credit report, and a copy of a completed and submitted identity theft report with the Federal Trade Commission from identitytheft.gov YET AND STILL, these items remain on my report and these credit agencies called them " verified '' accounts with no evidence or proof of that ever mailed to me pursuant to 15 USC 1681 - " Disclosure of investigative consumer report. '' They are violating my consumer rights. Both through 605B and 1681B.
Consumer complaint received 2023-10-09
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. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

These XXXX Inquiries don't belong to me, hasn't being authorized by me and has to be removed. 

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 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 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
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-09
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. (GA)

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) 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. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I have called and mail Experian to delete addresses I never lived at and its complete fraud. 

I have only one address I live at is below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please delete all these addresses below : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2019-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mar Joe Enterprises (CA)

My credit report has some collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is the originator and the debt collector is CBC collection agency. I spoke to the originator XXXX XXXX XXXX XXXX in TN they realized they had the wrong patient information. I live in CA and this hospital in TN, I have never had any contact with that place. They advised me the patient has the same name as me but no social and they agreed it is not mine. There are 3 reporting things from this place. I first called them XX/XX/2019 spoke to XXXX in TN then to XXXX. They said they would remove this and sent me an email but nothing has happened yet. The collection agency has not remove this. This debt is not mine ive never been to that hospital or had services. 
CBC, LLC {$16000.00} CBC, LLC {$630.00} CBC, LLC {$1200.00}
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I requested TransUnion to correct personal details on my credit file. I provided copies of documents to verify my identification. My information is yet to be corrected. On XX/XX/XXXX, I requested verification of a public record, Bankruptcy on my credit report. I was informed by the credit bureau the information was confirmed by XXXX. I again in XX/XX/XXXX requested verification of the public record. On XX/XX/XXXX, TransUnion again informed me the information was confirmed by XXXX. My information was suppressed from XXXX XX/XX/XXXX. I purchased a vehicle in XX/XX/XXXX. My loan was approved by XXXX XXXX before I went to the dealership. I information the dealership of this and demanded them not to submit my application to other lenders. I requested TransUnion to remove all of the inquiries. The dealership can not provide documents bearing my signature to submit my application to additional lenders. I did not authorize this. XXXX XXXX is the bank with permission to pull my credit.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Consumer Name : XXXX XXXX, Consumer Social Security Number Last XXXX : 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 credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a business credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, and a personal credit card opened at XXXX Bank on XX/XX/XXXX under account number XXXX, a personal credit card opened with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under account number XXXX, a personal credit card opened with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, an auto loan opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, A utility account opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a collection account opened with XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a collection account opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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 identity theft and fraud.
Consumer complaint received 2023-09-07
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. (FL)

Realized that I was a victim of identity theft on XX/XX/XXXX. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on XX/XX/XXXX.
Consumer complaint received 2019-06-25
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. (NV)

I sent an initial request to Experian on XX/XX/XXXX asking for validation of the Chapter XXXX Bankruptcy  that was being reported. I received a response back from Experian stating that " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute '' Experian goes on to say to say to contact XXXX XXXX the third party who verified this information. The issue with this is under the FCRA the CRA is supposed to not only verify with the original creditor being the Bankruptcy Court but also have and supply me with the original documents since they have verified. They used a third party XXXX XXXX to verify a Bankruptcy who is not the originator of the debt. 

More so Experian unfortunately told a complete lie on their verification methods. I suppressed the XXXX XXXX file on XX/XX/XXXX also requested my report. If the file was suppressed how was Experian able to obtain verification also on my XXXX XXXX file dated XX/XX/XXXX under Banko Consumer Disclosure Report there's a section for specially used for Bankruptcy. This section says " No records found ''. 

So again, How was this information verified? 

Also the late payments on the two accounts, this is my SECOND request asking for verification as how Experian verified those as well. I received my balance history and NOT any documents showing where my payments were paid late and also the late payments were changed around on the account with no explanation.
Consumer complaint received 2023-09-07
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)

In accordance with the Fair Credit Reporting act, 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 2019-06-25
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)

XXXX/2019 to June/2019 I had mailed multiple attempts with certified written letters, and police reports. Regarding my identity fraud on the debt collections that is placed on my credit report. XXXX XXXX have not responded to none of my validation letter that was certified mailed to them. The notarized signatures that goes with Id theft claim to XXXX XXXX that was upon requested. I have not received any feed back on the verifiable Id theft claim that was sent to XXXX XXXX notarized and certified mailed. In addition to that, XXXX XXXX have not responded to any of my written validation letters. Only to my first letter that was sent out to them. However, they did receive my request, but nothing was done after that. within 30 or 60 days as well. My fraud Identity. is not taking into a removal or into consideration. Additional to that, Equifax has not respectfully take my identity victim to fraud seriously I made multiple attempts and provided an police report, federal trade commission report, and proof of my identity documents to XXXX and XXXX and they thoroughly investigated my concerns and immediately removed the items that stated above. However, Equifax is not removing the items that do not belong to me and not taking my identity reports into considerations. However, I am a Victim of Identity Theft. Every other creditor like XXXX and XXXX have remove the items off my credit report. Accept Equifax and the other credit bureaus on XXXX/2019 communicated with Equifax that I am a victim of Identity Theft and Equifax has not take my case into consideration.