davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I spoke to the latest Bank Representative today and she read me the same lies as stated in previous responses from the bank. She also claimed that she witnessed me requesting a {$20000.00} loan from the original bank agent the which is an absolute lie because I continuously requested only XXXX The original agent stated that i could get more more money since my house is almost paid for. I explained that i am XXXX, on a fixed income and the most that i can afford to pay back is {$10000.00}. He said let me put you down for {$100000.00}. I immediately refused and again stated my income, XXXX and inability to pay back more than $ 10,000..He began to bagger me and went down to {$75000.00}. I again refused and warned that I am mentally disable and his tactics are greatly disturbing me. He continued his harassing tactics from. {$75000.00} down to {$59000.00} and then {$25000.00}. I warned again of my XXXX and said if you stop badgering me I will go to {$20000.00}. this was only because of his mentally hurtful tactics and he stated that I probably wouldn't got the {$10000.00} loan because borrowing that small amount would not be beneficial to the bank. I told the bank representative today to resend the lie that she sent to your agency and write the truth.. I requested only {$10000.00} and was refused the loan because I didn't fall for their predatory lending tactics! She should be sending .a revised truthful statement to your agency as I insisted.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

The credit bureau stated that my account was properly investigated but how is that possible if the the same inaccuracies that Ive disputed several times remains on my credit file? This is ground for removal because theyve violated my rights under 15 USC 1681 section 602 A I have rights to privacy.

15 USC 1681 Section 604 A section 2. states, Ila consumer reporting agency can not furnish an account without my written instructions. 

Also the certified bureau took more than 30 days to complete my investigation.
Consumer complaint received 2024-10-12
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. (IL)

I was checking my XXXX  consumer report an noticed that XXXX  account XXXX is reporting late payments which is a violation of my rights under the FCRA 15 usc 1681 A ( d ) 2 ( a ) and 15 usc 6802 I have attached documentation that show account is in good standing and I would like the late payments removed and account updated
Consumer complaint received 2020-04-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY (NJ)

My brother from XXXX sent money for me from XXXX by wire transfer he sent XXXX in a US dollar currency to my bank account here in TD bank In New Jersey, the money came here as {$4700.00} and plus they charge me XXXX $ wire transfer in different transaction, I called and complain, customer service left me in hold for around 2 hours, their answer is they see money transfer in us dollars but it changed to XXXX dollars then changed again to us dollars, I don't know why and they can't help me to dispute or to ask why, please help
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I would like TransUnion to remove the hard inquiry from XXXX. I received a letter from them stating that the hard inquiry would be removed and its been almost 3 months.
Consumer complaint received 2023-02-24
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. (MA)

I've already sent a letter to the creditors to remove the late payments and they have not abided by what i requested and they also violated my consumer law because they never gave me the option to Opt out from reporting this information to a third party via 15 us code 6802 XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-02-24
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-30
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. (NC)

In XX/XX/2024, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. XXXX XXXX XXXX Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized 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 Legal Basis for My Request TThese inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

APPEARING ON MY EXPERIAN REPORT, XXXX/XXXX  ACCT.NO.XXXX, IS being wrongfully reported as the result of a XXXX dollar billing dispute with XXXX.My credit history is destroyed by this single item.XXXX in addition balance chased and charged fees that are illegal.
Consumer complaint received 2023-02-24
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. (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. 

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 2023-02-24
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 am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
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)

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By ghting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively aecting me nancially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.
Consumer complaint received 2024-10-05
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

As soon as I received the move out statement from the apartment complex, I began the dispute process. I sent multiple emails, with months of no response. After my XXXX follow up attempt, they finally responded and told me my account had been turned over to a collection agency. I only recieved an email from them, and immediately responded within 30 days, asking for proof of the debt owed along with other things. We vacated the apartment due to military orders and they are in direct violation of RCW 59.18.200 ( 1 ) ( b ). They did not respond back within 30 days of my letter, and instead went and reported the debt on my husbands credit and mine. They refused to give me the information to the corporate office.
Consumer complaint received 2023-02-24
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. (NY)

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By ghting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively aecting me nancially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.
Consumer complaint received 2023-02-24
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. (MA)

I DISPUTE THIS SITUATION MORE THE 5 TIMES THEY RESPOND ARE YOUR ACCOUNT IS BEEN VERIFIED AND UPDATE BUT WHEN I CHECKED EVERYTHING REMAIN THE SAME
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively impacting my XXXX XXXX. The following accounts have been reported as delinquent or charged off, but I do not believe that I am responsible for them : First, the collection account from XXXX XXXX XXXX XXXX for XXXX. I have no recollection of ever having done business with this company and do not believe I owe them any money. 

Second, the collection account from XXXX XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX or XXXX XXXX XXXX regarding this debt. 

Third, the collection account from XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXXXXXX XXXX XXXXXXXX. I have no knowledge of this debt and have never received any communication from XXXX XXXXXXXX XXXX  or XXXX XXXX regarding this debt. 

Fourth, the charge off account from XXXX Bank for XXXX. I dispute this account as I have no memory of opening an account with XXXX Bank or receiving any communication from them regarding this account. 

Fifth, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Sixth, the charge off account from XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX or receiving any communication from them regarding this account. 

Seventh, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Eighth, the charge off account from XXXX XXXX XXXXXXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXXXXXX or receiving any communication from them regarding this account. 

Finally, the charge off account from XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

I believe that these items are inaccurate and are causing undue harm to my XXXX XXXX. As such, I request that you investigate these items and remove them from my credit report if you find them to be erroneous. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-24
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. (NC)

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 : Account # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

It has come to my attention that although I have written several letters asking for audit trails and requesting my account status be corrected several times, I am not getting any response because of the automated system you have in place which in fact its a violation as well I am demanding this account to be updated immediately on my credit report as it is in violation to the following federal constitutional laws 15 USC 1666. I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts to report anything other than PAID IN FULL : SATISFACTORY. My points dropped significantly because of the coding & them not having permissible purpose to report inaccurate information. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.