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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for and one account with one-hundred and eighty, on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2023-08-30
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)

Since filing my last complaint against XXXX XXXX which was allowing a person too retrieve a loan under my credentials and one of my credit and my good name since then I have a litigation attorney dealing with it and we sent dispute letters to all three credit reporting agencies they fixed some of the things but they have a whole lot of inaccurate items that there phone on my credit report even after I sent the dispute letters and had items that wouldn't fix and corrected causing me to not to obtain credit and financial hardship because I can't get obtain my credit report and there are still a lot of hard inquiries and soft showing even after I sent and dispute letters for my attorney I really ask that all three credit reporting agencies fix all those inaccurate things and compensate me for all the struggle because I can't obtain the credit because of these things I ask that they fix these things immediately before I become homeless because I really need to apply for credit on my own so I can come stable again and regain my good name these agencies are TransUnion XXXX and XXXX
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

Subject : Request to Update Address and Remove Outdated Addresses from Credit Report I hope this letter finds you well. I am writing to request the update of my current address and the removal of outdated addresses from my credit report. As per the provided information, I have recently moved to a new address and wish to ensure that my credit information accurately reflects my present circumstances. 

Here are the details for the address update and removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request your prompt attention to this matter. Keeping my credit information up-to-date and accurate is crucial for the integrity of my credit profile. Please ensure that the new address is added and the mentioned outdated addresses are removed from all my credit reports maintained by your bureau. 

If any additional documentation or verification is required to process this request, please do not hesitate to contact me at XXXX or XXXX. I am fully prepared to provide any necessary information to facilitate the smooth update and removal of addresses on my credit report. 

I genuinely appreciate your assistance in this matter and thank you in advance for your prompt attention. Kindly confirm the receipt of this request and notify me once the necessary updates have been made to my credit report. 

Thank you for your time and cooperation. 

Sincerely,
Consumer complaint received 2024-10-30
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 2023-08-20
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. (KY)

Date XX/XX/2023 Amount {$2800.00} I have a late payment from XX/XX/2023 In accordance with the fair credit Reporting act XXXX 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 account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
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: Experian Information Solutions Inc. (NC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-08-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

I am reaching out to file a complaint against XXXX XXXX XXXX  and its associate, Loan Mart, due to a distressing matter regarding a lien on my vehicle. 

Two weeks ago, I settled a car loan that was registered with XXXX XXXX XXXX  XXXX Loan Mart, and according to my records, I have cleared the payment for this lien in full. As a resident of Florida, I am aware of our state 's electronic title system which mandates that once a lien on a vehicle is paid off, the financial institution is obligated to release the lien within ten days. Given the efficiency of our state 's electronic system, this process is generally completed within 24 to 48 hours. 

However, in stark contrast to these regulations, XXXX XXXX XXXX  has not taken the necessary steps to remove the lien from my vehicle 's title. This delay is hampering my ability to use my vehicle freely and is causing undue stress. 

Upon contacting XXXX XXXX XXXX, instead of assisting me directly, I was transferred to Loan Mart. At Loan Mart, I found myself in a loop of confusion, unable to get in touch with any representative responsible for handling titles or addressing my grievance. 

It is deeply unsettling to find myself caught between these two entities, neither of which seems willing or able to assist me. The apparent negligence on the part of XXXX XXXX XXXX  in particular is a clear infringement of Florida 's financial regulations. As a consumer, I believe it is crucial that financial institutions adhere to state regulations and ensure that their customers are not left in such frustrating predicaments. 

I urge the Consumer Financial Protection Bureau to look into this matter and ensure that XXXX XXXX XXXX  and Loan Mart are held accountable for their actions. My hope is that your intervention will expedite the removal of the lien from my car 's title and prevent future customers from experiencing similar setbacks.
Consumer complaint received 2023-08-19
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. (AL)

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.

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 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

This debt is in regards to a debt incurred due to economic abuse. In Maine as a victim of economic abuse as defined under the law I am protected and looking to exercise my rights under the law. I have made numerous attempts and sent in multiple copies of documents I am required to send in. Spent hours on the phone looking for the right place and help to get this matter resolved, with no real effort or appropriate action taken by this company. I have done what I am supposed to do, maybe this will be the way to get this urgent matter resolved before taking further legal action.
Consumer complaint received 2024-10-30
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. (NC)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (FL)

Good Afternoon, I am writing to you as a concerned consumer regarding certain inquiries or " hard inquiries '' on my credit reports that were not performed by me. I would like to respectfully request that steps be taken to remove these inquiries from my reports to the appropriate credit bureaus. 

As a consumer, I have the right to an accurate and truthful credit report under the Fair Credit Reporting Act ( FCRA ). This law establishes that credit bureaus must maintain accurate and up-to-date information about consumers, and must only allow legitimate inquiries on credit reports. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to protection against the collection of unfair or misleading credit information. 

I would like to stress that I did not authorize or request any of the inquiries in question. These inquiries are not representative of my credit history or my financial interactions. Since these inquiries are not legitimate and are not supported by my consent, I request that they be removed from my credit reports immediately. 

It is essential for me as a consumer to maintain a clean and accurate credit report. These unauthorized inquiries could negatively impact my ability to obtain credit in the future and may undermine my confidence in the credit system. Therefore, I urge the CFPB to take prompt and effective action to address this situation and remove these inquiries from my credit reports. 

The inquiries that I do not make and appear on my credit reports are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thank you in advance for your attention and cooperation in this matter. I hope that the CFPB will take the necessary steps to ensure that my rights as a consumer are fulfilled, in accordance with the laws mentioned above. 

I look forward to your prompt response and satisfactory resolution. I appreciate your time and attention to this urgent matter.
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: Experian Information Solutions Inc. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
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: Experian Information Solutions Inc. (NC)

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute. Federal Trade Commissions identity affidavit. Please delete the items as soon as possible. 


Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allegod identity theft, not later than 4 business days after the date of receipt. 
It has boen 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL. 
Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-08-30
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. (CA)

This is my other 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The nature of the problem is that I made a cash and check deposit yesterday, ( see images ), and the check for {$30.00} cleared into another account. The other account is really my real account with Bank of America, account ending in XXXX. So, I'm currently placing cash, and other transactions on either a closed account or somebody else 's. Purhaps just a fictitious fraudulent account that does not allow me to view " any '' of my cash or check deposits.. In the past, I could see all my deposits, not now. I'm totally being blocked from my real account thar I opened with BoA Employee XXXX XXXX at XXXX, FL on XX/XX/2022. 

The {$30.00} has not been placed into this account I have access to. I was never informed about any of this being done to me. Now I understand why I never received the {$6000.00} disbursement last month from the XXXX XXXXXXXX XXXX.