davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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. (GA)

I am writing to bring to your attention an error in my credit file. I recently reviewed my credit report and noticed that : : XXXX XXXX  Inquires and inaccurate account, XXXX XXXX XXXX XXXX inaccurate Account, XXXX XXXX XXXX inaccurate Account, XXXX XXXX inaccurate/fraudulent account : : : Despite my previous requests, this transaction has not been removed from my credit file. This inaccurate information has been negatively impacting my credit score and financial well-being.

I would like to draw your attention to the following laws that protect consumer rights and mandate the accurate reporting of credit information : 1. Fair Credit Reporting Act ( FCRA ) - This federal law promotes the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

2. Fair and Accurate Credit Transactions Act ( FACTA ) - This amendment to the FCRA provides consumers with the ability to request and obtain a f
ree credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

3. Consumer Financial Protection Act ( CFPA ) - This Act provides consumers with protections against unfair, deceptive, or abusive acts or practices by financial institutions. 

I kindly request that you take immediate action to rectify this error and remove the inaccurate transaction from my credit file. Failure to do so not only violates my rights under the aforementioned laws but also subjects your company to potential legal consequences. 

Please provide written confirmation once the necessary corrections have been made. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue.
Consumer complaint received 2024-10-31
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: W&A Intermediate Co., LLC (IN)

Was contacted Friday XX/XX/XXXX at XXXX by a representative from Wakefield and associates and without verifying anything, ( full name, address, social, DOB ) the representative disclosed he was calling to collect a medical debt. Since I used to be a third-party collector myself I asked why he didn't verify me and he lied to me saying that they no longer have to do that. Called multiple times and left 3 messages for a supervisor and never could speak to one.
Consumer complaint received 2023-10-30
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. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. 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 I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC (AL)

I missed a phone call from a number that I did not recognize. This number was XXXX. I called the number back when I saw it on my cell phone later. There was an automated message stating that the call is being recorded and then a lady answered, gave her name, and asked for my name. Since they had originally called me, I did not think that I should have to give my name. I asked the name of the company and she said " Spring Oaks Capital ''. I asked what kind of company this is and why are they calling and she declined to give me any information unless I give her my name first. I do not want to give my name to a company without knowing what the nature of the call is. This sends up red flags in my mind. I googled the company and found out that it is a debt collection company. I know that I don't have any unpaid or slow debts so I immediately got worried and ordered copies of my credit reports. All is clear, thank goodness. I do not know how this company obtained my personal cell phone number but I do not want to receive calls from any type of debt collection company. This reeks of a scam to me.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-05-04
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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. (MD)

Good Evening, I asked the bureaus to do a verification of everything that was on my credit report and they did. They stated that everything was accurate, and after doing my own thorough research myself I found improper inaccuracies on the credit report even after they did the verification. 



Name of Account Account Number XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

Request for Removal of Fraudulent Items Due to a Result of XXXX XXXX  Dear cfpb I have tried everything and I need your help I am writing to bring to your attention a serious matter concerning my credit report. I am a survivor of XXXX XXXX, during which my personal information was used without my knowledge or consent. As a result, my identity was compromised, and fraudulent accounts and activities were reported under my name. 

I am requesting that the following fraudulent items be removed from my credit report : I understand that under the Fair Credit Reporting Act ( FCRA ) and the Trafficking Victims Protection Act, I have the right to dispute and remove any items that resulted from the identity theft associated with my XXXX  situation. 

I appreciate your prompt attention to this matter and request that you expedite the investigation and removal of these items from my credit report. Please confirm in writing that these items have been removed and provide me with an updated copy of my credit report. 
i am preparing to take legal action Thank you for your understanding and assistance.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10
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. (NV)

I requested a {$53.00} XXXX XXXX be removed from my XXXX, Equifax and XXXX reports. XXXX and XXXX removed the collection however, Equifax 's investigation resulted in the collection remaining on my Equifax report. XXXX XXXX are suppose to fall off under {$500.00} starting in XX/XX/2022. Will you assist with having this removed? Thank you.
Consumer complaint received 2023-05-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CreditNinja Lending, LLC (OH)

today, Wednesday XX/XX/2023 at XXXX XXXX my son XXXX XXXX received several phone calls from XXXX. He eventually called them back and they identified themselves as XXXX XXXX and they told my son they were looking for me as they were trying to collect on a loan from CreditNinja and they were getting ready to take me ( his mom ) to court and they would garnish my wages. They then verified my mailing address with my son and told them he needed to have me call them immediately before they call my employer and garnish my wages. 
I receive several phone calls from this number several times a day leaving harrassing messages. 
At XXXX XXXX my former employer received a call from this number and left a message that they have an important legal matter that directly concerns XXXX XXXX and they needed to have me return their call asap.
Consumer complaint received 2023-05-03
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see complaint # CFPB Case XXXX and the XXXX 's response. They admit that the messed up but will not fix it correctly as it should be. 

I authorized 1 hard credit inquiry to obtain a credit card with XXXX. They pulled XXXX hard inquiries. I have been trying to work with them to get the additiional 2 that they admit were made in error off of my credit report but they just want to change them to soft inquiries. I did not authorize the additional 2 inquiries hard or soft and they admit that these were done in error so they should be removed completely from my credit report. 

I did not authorize 2 additional hard or soft inquiries from XXXX on XX/XX/XXXX, the document attached shows that this is an error but they refuse to remove these completely.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON THE FOLLOWING ACCOUNTS. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX AND XXXX XXXX XXXX XXXX # XXXX. I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
Consumer complaint received 2023-05-03
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-05-03
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. (NJ)

I submitted a complaint last XX/XX/XXXX and the companies responded. Some items got deleted but some are still reporting. I submitted a complain again last XXXX XXXX XXXX and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i am livid with you all about the disputes.. These items need to be removed. 

RE : You Violated The United States Federal Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

account : Account Name : XXXX XXXX  XXXX ( ACCOUNT WAS PAID AND NEEDS TO BE REMOVED AND ACCOUNT IS 7 YEARS OLD HAS TO BE REMOVED ) DateXXXX As a consumer by law this account must be deleted immediately. 

2.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this ACCOUNT must be deleted immediately. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this account must be deleted immediately.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX U S DEPT OF EDXXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  # XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-05-03
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: Sequium Asset Solutions, LLC (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple filling errors, and unfair credit card practices. 
From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). 

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; Delete THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 

REMOVE THESE INQUIRES AS THEY NEVER RECEIVED PERMISSIBLE PURPOSE TO FURNISH THIS INFORMATION IN PURSUANT TO 15 USC 1681B THEY ARE IN VIOLATION OF FEDERAL LAW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand a validation of debt in pursuant 15 USC 1692g If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX All rights reserved without Prejiduce UCC 1-308
Consumer complaint received 2023-05-03
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)

" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''
Consumer complaint received 2023-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I purchased a vehicle from XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX, PA XXXX on XXXX XXXX. I received a loan from CREDIT ACCEPTANCE. Upon my findings they have violated my rights with THE CONSUMER LAW 15 us code 1605 and also 15 usc 1681 a ( 2 ) ( a ) ( i ) which states late payments are illegal. I was not explained in detail all of the extra fees and down payments are illegal which Ive paid. Also I was giving a very hard time getting my car fixed after day XXXX of purchasing the vehicle. They were rude and did not answer any further calls of concern from me. Can you please further investigate this matter. Thank You