davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
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. (MN)

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. 
Accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX XXXX These accounts have 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 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-05-01
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)

On my credit report, I have been disputing fraudulent items. The things are neither removed from my report nor do they appear to be under dispute. My credit score has been impacted by these fake things because the bureaus appear to be ignoring the pattern. If the things claim to be mine, I have asked that an investigation be opened and that verifiable documentation be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN XXXX XXXX, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please eliminate it right away. 
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 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-05-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$940.00}
Consumer complaint received 2023-05-01
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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. (IL)

I recently reviewed my credit report and noticed accounts that are not reporting accurately. I see some of my accounts that are showing random late payments when in fact I paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
I am concerned as i was not provided with the statements 21 days before the specified date as required under 15 U.S.C 1666b. 
These late payments are reporting in Violation of the Fair Credit Reporting Act and must be deleted. 

-Accounts and Dates : 1. XXXX  XXXX XXXX XXXX 2. XXXX - XXXX & XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX XXXX - XXXX & XX/XX/XXXX 5. XXXX XXXX - XXXX XXXX XXXX & XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Actions : Wrongfully received Hard Inquiry on Credit from XXXX XXXX  XXXX saying Credit card is opened on XX/XX/year> but I don't have any XXXX credit card in reality. Also tried to dispute with Experian but the dispute report still says that it " Remains '' open. Tried contacting and talking to XXXX bank but they can not find any account with my name/ssn and hence not trying to help. It is a wrong information on my account and it's pulling my credit down. 

Companies involved : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Experian Dates : - Credit card opened on XX/XX/year> Amount : - Credit card has limit of {$2200.00}
Consumer complaint received 2023-05-01
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. (SC)

Dear Sir/Madam, I am writing to dispute the accuracy of inquiries listed on my credit report. Specifically, I am disputing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize any of the above inquiries and was not made aware of them prior to them being listed on my credit report. I believe that these inquiries were made without my consent, and their presence on my credit report is inaccurate and unjustified.
Consumer complaint received 2024-09-27
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$320.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Balance : {$950.00} XXXX  Inquired on XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

In accordance with the fair credit Reporting act, has violated my rights 15 USC 1681 ( 5 ). The creditor by law is to report complete and accurate information to each credit reporting agency 15 USC 1681. Also states this law XXXX, Equifax, and XXXX has failed to abide by this law. I have disputed this account multiple times about the inaccuracy on the credit report and nothing has been done. I have called multiple times about this account and nothing has been done. I am demanding deletion of this account due to the inaccuracy on the credit report, as well as the laws that were violated.The creditor names are XXXX XXXX, and XXXX both accounts show and incomplete and in accurate information the balances payment history contract terms account status original creditor information is not shown are not complete and accurate across-the-board with all three credit reporting agencies which is in violation of 15 USC 1681 complete and accuracy
Consumer complaint received 2024-09-27
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)

Experian, I am submitting this formal complaint to Experian concerning unauthorized accounts appearing on my credit report due to identity theft. As part of this complaint, I am including relevant documents to support my claim. 

Attached Documents : XXXX. License ( for identification verification ) : This is being shared solely for verification purposes. You **do not have permission** to share my license with any other agencies or third parties except for the Consumer Financial Protection Bureau XXXX CFPB ) in conjunction with this complaint. 

XXXX. FTC Identity Theft Reports : These documents detail the identity theft accounts that are being disputed. 

Confidentiality Instructions : - The attached identification is to be used exclusively for my identity verification related to this complaint. 

- I have filed this complaint with both the CFPB and directly through your company. Please ensure that my documentation is handled in compliance with all relevant consumer protection laws. 
- I expect Experian to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) and other applicable laws when handling my personal information and the disputed items. 

Please confirm receipt of this complaint and the attached documents, and I request a prompt investigation and resolution of the disputed accounts. 

Thank you for your attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2023-05-01
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (MD)

My mortgage was sold to a new company without any notice to me or my wife. I tried to make my monthly mortgage payment to the company I had been paying ( Stearns Lending ) and was told that they no longer held the mortgage and that I should contact the new company. I only have XXXX pieces of information for the new company the name " XXXX '' and a phone number of XXXX. When I tried to call XXXX I received an automated message that if my loan was recently sold that they 're customer service agents would not have access to any information for my loan and was not given any options to speak to a live operator.
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (NY)

I received my XXXX credit report and saw XXXX different negative items reported by this firm. I have never received any notice from them in regard to this debt and from what it reads on the credit report. It is from XXXX XXXX traffic tickets which I are not mine.
Consumer complaint received 2023-05-01
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)

On my credit report, I have been disputing fraudulent items. The things are neither removed from my report nor do they appear to be under dispute. My credit score has been impacted by these fake things because the bureaus appear to be ignoring the pattern. If the things claim to be mine, I have asked that an investigation be opened and that verifiable documentation be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN ROCK SCIENCE, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please eliminate it right away. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchased a brand new XXXX truck from XXXX and on XX/XX/XXXX for some reason the car wouldnt start I had the car towed to the shop the following day and I still till this day have not received my vehicle back its been months Im still paying the monthly payments and insurance for a car that I do not have when I try to ask and call to see whats going on the always say they dont know and are ordering parts that has always been the answer it is extremely hard to get a hold of them at their shop I literally have to go in in person to even get talked to I have also contacted corporate and has assigned an advisor that has been completely useless she told me I would have a response within 48 hours and its been weeks at this point if the company that sold me the cars still cant figure out whats wrong with their car then I no longer want it I want to get my money back and take my business elsewhere I need a reliable car to use in my everyday life thats why I decided to get this new vehicle I cant continue to go on without a car.. I want to terminate the loan get my money back and go to another dealership of a different make not at all related to XXXX can you please help or give me advice on what I can do or who I can talk to be thank you
Consumer complaint received 2023-05-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2015-06-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

I was charged on my XXXX account a {$4000.00} that was not mine and then a credit was given. A new charge was again done for the same amout and XXXX started calling to collect the momney. The account was sold to Asset Acceptance LLC. and they continuosly called me demanding payment for something I did not owe. I was sued by them and had to paid several attorneys with money I did not have. I had to close up my son 's Pre-paid college account and depleat the little savings I had in order to paid these attorneys. I finally had to pay Asset Acceptance LLC money I did not owe so they will not keep ruining my credit as they already had. I had paid between attorneys and bills I did not owe around {$12.00} dollars
Consumer complaint received 2023-05-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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