davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
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. (PA)

Please remove these 2 incorrect addresses off my credit reports immediately they are fraudulent and do not belong on my reports XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX directly. Unfortunately, these efforts have been futile as I was placed on hold for over 2 hours and received no substantive response or resolution. I request your immediate intervention to rectify this matter. The actions of XXXX XXXX XXXX XXXXXXXX and XXXX XXXX violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX violates this requirement. 2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXX XXXX XXXX XXXXXXXX and XXXX XXXX constitutes a breach of this statute. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-14
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. (NY)

The Following inquiries were made on my account without my knowledge. I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to XXXX XXXX XXXX, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-10
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. (CA)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify TransUnion and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2024-10-10
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. (CA)

Subject : Refusal to Pay and Dispute of Alleged Debt Account/Reference Number : XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to inform you that I am refusing to pay the alleged debt referenced above, and I am invoking my rights under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). This letter serves as a formal refusal to pay the debt and a demand that you cease any further communication with me regarding this matter.

FDCPA - Cease Communication ( 15 U.S.C. 1692c ( c ) ) Pursuant to 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the collector to cease communication, the collector must stop all communication except for notices allowed under the law, such as : To advise that your collection efforts are being terminated. 

To notify me of any specific legal actions you intend to pursue against me. 

Any further communication beyond what is legally allowed will be considered a violation of the FDCPA, and I will take appropriate action, including reporting the violation to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

FCRA - Dispute of Debt and Reporting In addition to the refusal to pay, I am disputing the validity of this debt as it has been reported to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), I demand that you : Immediately cease reporting this debt to any credit reporting agencies until it is fully verified. 

Ensure that, if you continue to report this debt, it is marked as disputed in accordance with FCRA regulations. 

Investigate and validate this debt, providing all evidence to substantiate your claim. 
If you are unable to provide verification and validation of the alleged debt within the statutory timeframe, I expect the debt to be removed from my credit report as required by the FCRA. 

Legal Actions and Further Steps Please take notice that I reserve my right to pursue all legal remedies available to me should you fail to comply with this letter or violate my rights under the FDCPA or FCRA. 

I am keeping a detailed record of all correspondence regarding this matter and will not hesitate to escalate the issue if necessary. 

This letter should also serve as a formal request to cease all communication regarding the alleged debt at once. You may only contact me under the limited circumstances permitted by law as outlined above. 

Thank you for your attention to this matter. I expect prompt action on your part in accordance with federal law. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (TX)

I didnt apply for this card. I had no knowledge of this card until they sent out a letter in the mail stating that the card payment is past due for the amount of {$80.00} which they sent on XX/XX/year>. I called and the representative said that the card was opened on XX/XX/year>.
Consumer complaint received 2024-09-14
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 am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-06-07
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: CLGF Holdco 1, LLC (LA)

In accordance with the fair credit reporting act XXXX  accounts, 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 a open end consumer credit plan as late for purpose.
Consumer complaint received 2024-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXXXXXX
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (DE)

I took a forbearance of my mortgage in XXXX and XXXX of 2020 due to being furloughed from my job. I was told by the agent from M & T before accepting the forbearance that this would have no effect on my credit because I was current on my loan prior to taking forbearance. My house sold and the loan was paid in full on XX/XX/XXXX. I went to get another loan and found out my credit rating was 75 points lower than were it was prior. When I pulled my free credit reports I can see that M & T reported me as LATE both XXXX and XXXX and I show 60 days late/delinquent for XXXX. Under the CARES act this account should have been reported as CURRENT not late and it should have no negative effect on my credit rating. Looking at my credit reports there is NO DOUBT that M & T reported negatively. It's the only adverse account in my entire record. I would like this corrected immediately. I've tried to get M & T to correct it and they refuse.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX I file a dispute with both XXXX and Experian credit agency to have XXXX XXXX XXXX removed from my credit reports. I no longer owe a debt to this lender, and the balance is showing as a {$0.00} balance and closed account on both reports. I reached out to XXXX XXXX XXXX and requested for them to report to be removed from my account but was instructed to contact the credit agency to have it removed. I contacted Experian and they stated that the account is already showing {$0.00} balance. However I would like to get this account removed completely from my credit reports both XXXX and Experian.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-09-14
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: Rocket Mortgage, LLC ()

On XX/XX/year> I checked XXXX XXXX and saw that there was a hard inquiry on my XXXX report. 

A dispute was filed on XX/XX/year> with XXXX. 

XXXX XX/XX/year> I was informed that the inquiry was valid ; However, I have not applied for any new loans, credit cards, etc. 

The company listed is : XXXX Rocket Mortgage LLC.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are incorrect addresses on my record. I tried resolving this issue with the company, but they said that ID information did not match. They asked for creditors with whom I have loans and the most recent payments. That information was given and I was told it did not match what they have.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Associated Credit Services, Inc. (MA)

I never had national grid account in my name. someone used my information. 
I REFUSE TO PAY THESE DEBTS. 

XXXX DOES NOT BELONG TO ME. I REFUSE TO PAY THIS DEBT. 

XXXX XXXX KEEPS HARRASSING ME. I AM STRUGGLING. I'VE TRIED TO REASON WITH THEM. XXXX PUT ME IN A BAD SITUATION. 
I REFUSE TO PAY THIS DEBT. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2023-06-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Complaint XXXX was opened on XX/XX/23 requesting that Equifax correct the information on my credit file as it is showing all of my information has disappeared from the Equifax website when I attempt to log in. I am no longer able to access my credit file and FICO score via the Equifax website or the Annual Report website. I review my credit very frequently since I am in the process of pre-qualifying for a mortgage. My lender indicates when trying to pull my file from Equifax he is receiving a " fraud error '' message.
Consumer complaint received 2024-09-14
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 am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account XXXX : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-14
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (NY)

The enrollment officer used a high pressure sales pitch that put emphasis on the fact that classes were filling up quickly, and that if I didnt act right away, I wouldnt be able to enroll or access financial aid. This occurred on XX/XX/year>. 

I was invited to what I thought was an information session. Instead, I was given a quick pre-enrollment exam, made to sit in their office for an hour for the results, and then pressured to enroll and seek financial aid. It was a very isolating and windowless environment. 
This all took place on the afternoon of XX/XX/year>. 

I have went to the admissions office for what I thought would be information session. Instead, they repeatedly advised me that if I wanted to be in the next semester class, it would be in my best interest to take the placement test. 

I took the test and while waiting for the results, they were still selling me on enrolling into the school and applying for financial aid and loans to cover the cost. It happened within a two hour period that covered the initial information session, the placement test, the enrollment application, and financial aid and loan application. 

During this time, I did not have any contact or communication with anyone besides the enrollment officer. I did not have a chance to discuss any enrollment decisions with any family or anyone else during this time period. It was almost like I was trapped in the admissions office. This all occurred in the XXXX XXXX XXXX in XXXX.