davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
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 am writing to file a formal complaint against Experian for inaccurate information present on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain details that I believe to be erroneous. To date, I have not received any response or resolution from Experian. I am providing the following details of the disputed accounts along with the requested corrections : 1. Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$28000.00} I request Experian to remove the account with XXXX XXXX from my credit report as it is not mine. 


2. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} The account XXXX XXXX requires examination due to incorrect reporting. The reported balance is higher than my recollection. Additionally, the account was presented as closed, and therefore, the Past Due amount should not be provided. I intend to resolve this directly with the creditor. I request Experian to report the account as disputed to reflect my efforts to resolve the issue. 


3. Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} The account with XXXX is inaccurately reported. The balance is inflated, and I believe I owe a lower amount. The stated Past Due amount does not accurately represent this account 's status, as it was closed and charged-off. I intend to address this directly with the creditor and request Experian to mark the account as disputed until a resolution is reached. 


4. Account Name : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} 5. The information provided for the account XXXX XXXX XXXX is incorrect and detrimental to my credit reputation. The balance reported does not align with my records. Moreover, presenting a Past Due amount for a closed, charged-off account is inaccurate. This has adversely affected my credit score. I intend to negotiate with the creditor to rectify this. I request Experian to mark this account as disputed to prevent further credit score decline. 


XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} The account with XXXX XXXX was never late, and I request Experian to correct/update this inaccurate information on my credit report. 


XXXX. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$980.00} The account with XXXX XXXXXXXX was never late, and I request Experian to correct/update this inaccurate information on my credit report.
Consumer complaint received 2023-08-06
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)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-14
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. (UT)

Should be good credit. XXXX denied loans because of history length of credit on crit report, have reported wrong and duplicate accounts, also reported fraudulent activity, also banks and debt collectors keep renewing and duplicating charges for fraudulent items etc
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Dear TransUnion Dispute Department, I am writing to formally dispute several inaccuracies on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to ensure maximum possible accuracy of the information included in consumer reports and promptly investigate disputes.

Despite multiple attempts on my part to have these inaccuracies corrected, the following accounts on my credit report contain inaccurate information related to the date opened and high credit : XXXX. XXXX XXXX ( Date Opened is inaccurate ) XXXX XXXX XXXX XXXX XXXXXXXX ( Date Opened is inaccurate ) XXXX XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( High Credit and Date Opened are inaccurate ) XXXX. XXXX XXXX XXXX ( High Credit and Date Opened are inaccurate ) XXXX. XXXX XXXX ( Date Opened is inaccurate ) XXXX XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXXXXXX XXXX XXXXXXXX ( Date Opened is inaccurate ) Each of these accounts contains inaccurate or incomplete information. I demand that TransUnion correct or remove these entries to ensure my credit report is fair, accurate, and substantiated as required by federal law.

Failure to address these inaccuracies within the legally mandated timeframe will leave me no choice but to pursue monetary damages for each inaccurate account that remains on my report.

Please send me written confirmation when these corrections are completed, along with an updated copy of my credit report.

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I've received letters from XXXX XXXX, Bank of America, and XXXX  XXXX  XXXX  stating I was denied a credit line, but I did not authorize this. XXXX and Bank of America were hard inquiries on my credit. I've filed an identity Theft Report. I also had a false phone number and address under my name. I had to put a freeze, and fraud alert on my credit.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute to Experian on XXXX 2024. The dispute was opened on XX/XX/2024 and closed on XX/XX/2024. Nothing was changed on my report. I am wondering how in XXXX days and investigation was completed. I did receive any written paperwork regarding the investigation and what information they found to justify the account was 100 % accurate. The account was my Mortgage account with XXXX XXXX  account # XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-08-06
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (CA)

I am writing to express my deep concern and frustration regarding the recent communications with Lincoln Automotive Financial. Last week, I received an alert from XXXX XXXX, indicating that my cars lease account had been closed. 

In XX/XX/XXXX, I had notified Lincoln Automotive Financial, that I was having financial difficulties and could not be as diligent with payments as in the past. They allowed me to defer several monthly payments and I felt we had come to an understanding.

My last payment of {$3000.00} was made to my lease account, on Lincoln Automotive Financials website, on XX/XX/XXXX. The {$3000.00} brought my account up-to-date, with no outstanding payments or arrears.As conformation, I received an email days later confirming my payment. On XX/XX/XXXX, while attempting to make the next months payment I was surprised to find myself locked out of my account. Upon calling directly, I was shocked to find my account had been closed, that my vehicle had been charged (? ), and was in repossession since XX/XX/XXXX. 

As a single XXXX  of XXXX young girls, the thought of compromising my familys safety or stranding them, due to the constant threat of repossession, is terrifying and has caused me significant distress and XXXX. 

I have not and have never received any communications from Lincoln Automotive Financial regarding this matter. I am now in constant fear of the immediate well-being of my children and repossession of my vehicle, which could happen to me at any given moment, as stated by XXXX ( XXXX XXXX XXXX ) at Lincoln Financial Services . My understanding is that all telephone communications to Lincoln Automotive Financial are recorded. Verification should be easy to confirm. 

I would like assistance in halting any actions related to repossession as soon as possible, until this matter can be resolved. Also, a clear detailed accounting to clarify the status of my lease would be greatly appreciated. 

I also trust that you will conduct a thorough investigation to rectify any errors that might have occurred.I am now in the financial position to pay off the entire amount ( {$26000.00} ) of the vehicle, if necessary, but am reluctant to take any action, while the threat of imminent repossession still looms. I value my long running relationship with this company and hope this matter can be resolved amicably. 

I am anxious and open to discussing these issues to reach a resolution promptly. Most importantly, I request a record of past communications, to ensure a clear and documented record of our exchanges. Lincoln Automotive Financial has claimed that they had reached out to me via mail, email, and phone, but Lincoln Automotive Financial but could not substantiate these communications. 

Because of the danger implied and the threat to the health and well being of my family I would very much appreciate your attention to this matter. 

I look forward to a response.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (VA)

Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Auto Loan 15 us 1681a2 I didn't give written permission to have those accounts furnished on my account
Consumer complaint received 2023-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with Fair Credit Reporting Act .The list of accounts below has violated my federally protected consumer rights to privcy and confidentally under 15 USC 1681 XXXX XXXX Card Acct. # XXXX, XXXX Card Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Acct # XXXX 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 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 conviction 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 2024-10-10
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-06
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. (AL)

I have been a victim of having my information released to the public via the Equifax Data Breach as well as the XXXX Data Breach. As a result to this, I have a number of unauthorized accounts and inquiries listed on my credit reports that I did not consent to. They do not belong to me and I don't have any contracts with any of the companies listed. this is really hurting my chances at getting a mortgage. My reputation with the banking system is not in good standing right now because of accounts on my account that weren't authorized that need to be removed immediately. I already tried sending in my disputes more than 30 days ago, but my disputes were ignored.
Consumer complaint received 2023-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (DC)

I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by Central Portfolio Control , Inc. My name is XXXX XXXX XXXX and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections. 

I want to make it clear that I have not granted Central Portfolio Control , Inc authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness. 

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report. 

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ).

2. Provide sufficient and documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report. 

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to XXXX, FCRA, and others. 

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-14
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. (FL)

Hello i checked my credit report for first time in while and i lots unauthorized, fraudulent, unrecognized hard inquries on my TransUnion credit profile. i demand these be investigated and removed off of my credit profile because i have never gave any consent to those creditors and i have tried to reach out to each company directly and i have not gotten any response in the past 90 days. below i will list each hard inquiry that i would like to be investigated and removed off of my credit report that TransUnion made an error and stated on there which has severely affected my score .please and thank you XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX
Consumer complaint received 2023-05-14
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: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

This complaint is in regards to XXXX credit Report # XXXX Dated XX/XX/XXXX. First Interstate Bank Account # XXXX. I have contacted the creditor and the consumer reporting companies through multiple dispute letters. The creditor and consumer credit reporting companies blame each other for not be able to correct errors in my Credit report. I have, sent in dispute letters, many times, I have contacted XXXX, XXXX, XXXX, and XXXX, and First interstate Bank has verified the information on each of the credit reports. I will attach a copy of a document from XXXX showing the account and a copy of the loan history from First Interstate Bank. 
The reporting document from XXXX shows that account number XXXX First Interstate Bank was discharged through bankruptcy XX/XX/XXXX, This First Interstate account was for {$24000.00}. This account was REAFFIMED and paid in full ( XXXX  Error ) INACCURATE. The Payment History on the XXXX credit report stops XX/XX/XXXX WRONG. Please look at the loan history ( second attachment ) you will see that the loan was paid through XX/XX/XXXX ( XXXX Error ) the payment history date ( XXXX ) are INCORRECT. While this loan covers XXXX  years the " Terms '' on the XXXX report shows NOT REPORTED ( XXXX Error ) INCOMPLETE. The " High balance '' is NOT REPORTED ( XXXX Error ) MISSING DATA the " Recent balance '' are NOT REPORTED ( XXXX Error ) MISSING DATA and The " Monthly Payment '' is NOT REPORTED ( XXXX Error ) MISSING DATA. These errors from First Interstate Bank are also in XXXX, XXXX, XXXX, and XXXX. By Law FCRA Section 609 and 611 require that consumer credit reports are to be accurate and complete if information is not accurate then the account is to be delete. By examining the attached First Interstate Bank statement you can see that the information on the XXXX report is very INCORRECT, Important Data has been left out. This credit report is not accurate and is incomplete.
Consumer complaint received 2023-05-14
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)

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (TN)

I reported a change to my checking account that was not mine this happened in XXXX of 2024. I made it by contacting netspend customers service agents whom gave me very little of help other then killing the debit card that was used and said they would review it.Netspend has not recovered money taken out of my account.
Consumer complaint received 2023-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC. (WI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!