davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-14
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. (CA)

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. 
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-26
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
XXXX  XXXX XXXX
Consumer complaint received 2024-07-26
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. (TX)

I'm in disagreement with the account listed below witch stills appears in my credit report, even after your investigation. I would like this item immediately-reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual whit whom you verified the above so that I may follow up. Please send an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-26
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)

This morning, I saw that my credit report contained inaccurate accounts, and I have no clue how they appeared. When I reviewed my credit report as usual, I found unexpected discrepancies. I refreshed my browser to check for a potential malfunction, but the errors remained. Given this situation, I request that the documents I submitted be reviewed thoroughly to prevent future concerns.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Dear CFPB, In accordance with the Fair Credit Reporting Act, everything on my credit report must be 100 % accurate. I am writing to lodge a complaint against Experian for failing to uphold this requirement. 

Despite stating that my account was properly investigated, Experian continues to report inaccuracies, such as the incorrect open date, date last active, and date last reported. This is grounds for removal, and they have violated my rights under : 15 U.S.C. 1681 Section 602 A : This section states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : This section states a consumer reporting agency can not furnish an account without my written instructions or consent.
15 U.S.C. 1692c : This section states a debt collector may not communicate with a consumer about any debt without the consumer 's direct consent or a court 's permission.

15 USC 1681 ( e ) b : This section requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information. 
For XXXX XXXX XXXX XXXX # XXXX, ** Experian reports the account status as " Open, '' a high credit of {$9900.00}, and a last reported date of XX/XX/XXXX. However, XXXX reports different information. Additionally, Experian 's two-year payment history shows late payments, whereas XXXX reports on-time payments. 

For XXXX XXXX XXXX ** the date opened is reported as XX/XX/XXXX, and the high credit is shown as {$0.00}. These discrepancies are inconsistent with other bureau reports. 

For XXXX XXXXXXXX, ** Experian reports a date opened as XX/XX/XXXX, a term of 15 months, and a last reported date of XX/XX/XXXX. However, XXXX shows different information, creating discrepancies that are unacceptable. 

I have challenged these inaccuracies multiple times, yet Experian continues to provide inconsistent and incorrect information. I have enclosed a copy of my credit reports for your review. If these inaccuracies are not corrected within 15 days, I will pursue legal action.
Consumer complaint received 2024-09-10
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-26
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. (IN)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-27
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)

INACCURATE INFORMATION ON CREDIT REPORT. WRONG SOCIAL SECURITY FTC VIOLATION XXXX/XXXX XXXX - {$1700.00} - DOES NOT BELONG TO ME HARD INQUIRIES - US SM BUS ADMIN XXXX, XXXX   XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-06-27
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. (TX)

INACCURATE INFORMATION ON CREDIT REPORT. WRONG SOCIAL SECURITY FTC VIOLATION XXXX/XXXX XXXX - {$1700.00} - DOES NOT BELONG TO ME HARD INQUIRIES - US SM BUS ADMIN XXXX, XXXX   XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2024-07-25
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. (IL)

XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX  {$820.00} XXXX XXXX XXXX  {$9800.00} These are not my accounts . i have no knowledge of the inquiries and accounts listed. 15 USC 1681b. i am requesting these items be removed from my credit report within 24-48 hours.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

On XX/XX/2020, I started an application and communicating with XXXX XXXX of Freedom Mortgage. Communication was static at times and I tried to be understanding that there is an influx of homeowners trying to refinance with the low rates. I paid the an appraisal fee of {$480.00}, submitted all the paperwork, signed all the documents and a week before closing ( XX/XX/XXXX ) tried to contact XXXX with no success. On the day of closing, I tried to contact XXXX again with no success, and then called the Escrow company. Escrow company said they had my paperwork, but did not have the funding documents. 2-3 days later, I was able to get a hold of XXXX and he said there was an issue in underwriting and he was trying to get it corrected and would contact me back. That was the last I heard from XXXX XXXX. After reaching out to the main company, another employee XXXX XXXX contacted me and told me that XXXX was no longer taking care of my mortgage. I shared my concerns and he told he would pass that information on to his manager to contact me. Since XX/XX/XXXX, I have only been able to get in touch with XXXX XXXX. XXXX has been a great employee, he returns my calls and emails. But he is in training and can not be my loan officer. He tells me that he has been telling his supervisor that I have been calling, but I have not received any communication via phone or email from the company. 
XX/XX/XXXX, I asked XXXX to refund my deposit and he did. 

My complaint is that I paid a deposit and sent this company all my personal financial information. They pulled my and my wife 's credit report twice, which has lowered our credit score. I have already lost over {$3000.00} in savings if this loan had closed when it was supposed to. if I went with a different company, I wouldn't have been waiting on Freedom Mortgage and would have saved {$3000.00}. This is costing me money. 

If I decide to move forward with another company, my credit score has already been lowered because of Freedom conducting a credit inquiry. This will affect my opportunity to get a low interest rate, which will cost me thousands over time. 

Will Freedom contact me and do something expeditiously to make this right?
Consumer complaint received 2020-06-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NC)

I requested kindly that CREDENCE RESOURCE MANAGEMENT provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and CREDENCE RESOURCE. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. CREDENCE RESOURCE is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with CREDENCE RESOURCE. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by CREDENCE RESOURCE should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also havd an active fraud account from XXXX XXXX XXXX for account CREDENCE RESOURCE MANAGEMENT as I have never had an account of done any business with his company.
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-10
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. (FL)

I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics. 

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 XXXX - XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX
Consumer complaint received 2024-07-26
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. (MA)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX has violated 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 Here I am sending proof that this account has different opening dates, and they are reporting inaccurate information as well. There is a discrepancy between agencies and I need you to remove that account from my credit report.

According to the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ), furnishers of information have a duty to provide accurate information : They are violating my rights and are also reporting inaccurate information.
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (OH)

TJX Rewards ( Synchrony ) states they offer 90 days relief due to COVID-19, but will only defer 2 monthly payments. I spoke with XXXX employee ID XXXX on Saturday XX/XX/XXXX who informed me there is nothing they can send me in writing outlining the terms of Synchronys COVID-19 relief program, or that my 90 days relief had been used, that they could only send me another copy of my statement. The pandemic is still ongoing, hundreds of thousands of people are still out or work, and TJX Rewards/Synchrony does not have anything in writing to provide their customers who theyre offering 90 days/3 months relief to, but in all actuality are providing 60 days and demanding the 3rd monthly payment. There would documentation attached to this complaint if the financing bank was able to provide any, but they have stated and maintained that there is no documentation that they can send to their consumers.
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (IL)

Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report. Thank you!

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2023-04-07
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. (NC)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX - DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX XXXXXXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-26
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 2024-07-26
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. (WY)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that resulted due to Identity Theft. Please find the required documents to assist in the removing of the erroneous information which are being posted to my report. According to FCRA Section 605B ( a ), 3 Credit Bureaus shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please help remove this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. Here are the list of items which do not belong to me or were opened without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed