davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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)

Information has been reported on my credit report that is FALSE. There are accounts that i have no knowledge of reporting on my credit reports. There are inquiries that I did not give permission for on specific dates listed on the FTC report from multiple companies, this information is fraudulent.
Consumer complaint received 2024-09-09
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)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-09
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. (OK)

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 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-19
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. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-08-19
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. (NJ)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX XXXX # XXXX date opened XX/XX/XXXX, security credit serv ac # XXXX date opened XX/XX/XXXX, XXXX funding ac # XXXX date opened XX/XX/XXXX, finwise/aff ac # XXXX date opened XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-09
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. (GA)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2024-09-25
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. (AZ)

I am writing to express my concern regarding a hard credit inquiry conducted by XXXX XXXX XXXX XXXX on my credit report. The information provided on the XXXX report was invalid, specifically the *phone number listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX When I called this number, a lady answered and claimed it was her personal cell phone and that she had no affiliation with this or any other bank. She sounded genuinely concerned. 

After hours of failed attempts, I finally received a call from the bank ( XXXX XXXX, ID # XXXX ) from XXXX. I was informed that as a normal procedure, they conduct a hard credit inquiry on every HELOC once a year. I explained that this was incorrect and that all hard credit inquiries require my explicit authorization. The representative stated that they have the right to do this whenever they want. After requesting to speak with a manager, the same teller returned and informed me that this was a known issue, and my HELOC was closed. They assured me that the hard credit inquiry would be deleted, stating they are only deleting it because my HELOC is closed ( which it is not ), raising another concerning issue. 

This bank is providing misinformation and affecting my credit report, as well as reporting an incorrect phone number on their XXXX hard credit inquiry. I am extremely concerned not only for my credit but for other members as well. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Feel free to adjust any details as needed! If theres anything else you need, just let me know.
Consumer complaint received 2024-09-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (FL)

There was a VA streamline program that would allow me to skip XXXX months payments ( refinance ) but when I asked about it, I was told that it didnt make sense to do it because the interest rates hadnt dropped. Soon afterwards, the rates did drop but since I was already a month behind, I didnt qualify for the streamline program. What put me a month behind was that the department of defense began garnishing my wages for $ XXXX a month until an erroneous debt was reclaimed that totaled less than $ XXXX. Just before they began taking the money, I received a letter stating that I didnt owe it. When I took that letter to finance, they told me that theyd have to finish taking out all the money before I could apply for it to be refunded. After 6 months, I did apply for the refund and it was all refunded 3 months later. I explained this to Wells Fargo Bank and attempted to work something out but by that time, their offer was too much to pay. I kept them informed of the situation leading up to the reimbursement. Ive had traumatic nightmares about this for years. As a result of the court case, I was supposed to receive the check that never came.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (GA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (VA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXXXXXX, NJ XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - **Correct Social Security Number** : XXXX - **Correct Address** : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreemen

ts with your company and am prepared to exercise my legal rights if necessary. Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report
reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-09-25
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. (PA)

I disputed information on all three consumer reports and information such as balances and pass due were updated on these charge/off closed accounts to reflect open and revolving. For example one account mentions an account opening in XX/XX/XXXX but also says first delinquency was in XX/XX/XXXX. This is a complete validation of my rights. As with other accounts there is no payment history and they were able to validate these debts. Nor did I give written consent to any company to use my credit profile or history to report incomplete and inaccurate information to any of the consumer agencies. These following companies violated my rights given to me based on ( FCRA ) 15 U.S.C. 1681. These companies include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX
Consumer complaint received 2024-09-25
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (SC)

I have inquiries on my credit report from all XXXX bureaus XXXX, Equifax, and XXXX. By law code 15 usc 6802. I have not received a disclosure on these inquiries. I have not agreed to any of these matters. I ask that all inquiries are removed from my credit report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Not really an error. It is intentional by the credit card companies. I just noticed that my elan financial credit card accounts XXXX and XXXX is being shared with us bank. So my XXXX credit card accounts have been turned into XXXX separate accounts. Elan financial is reporting XXXX and XXXX as being their accounts to XXXX  and us bank is reporting them as being their accounts to equifax. My XXXX accounts can't belong to XXXX different banks. Why are you both sharing my XXXX accounts as if they belong to both elan and us bank? as if that is legal. I don't need to submit docs, even though I have them. You both know what you are doing. And you know it isn't legal. I didn't bother complaining, because it would do no good. Clearly you know you shouldn't be doing what you are to begin with. I just need it on record.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (MO)

On XXXX I walked into XXXX XXXX  to purchase a washer and dryer, up on speaking to an employee ( XXXX ) working in the appliance department I was offered a deal for a revolving credit card account with a soft inquiry by him. I proceeded with said offer as he is sitting behind a desk and computer asking for my information to process a revolving credit card account that he said is an soft inquiry as a credit pull. As I completed giving him my information I received notification that a hard inquiry has been made on my Equifax credit report. I was even told after the account was approved and a temporary shopping pass was issued by one of the managers ( XXXX ) for immediate use. The pass did not work the manager did not come up to check the situation leaving an employee to try and figure out what went wrong to no resolve. Over the next few days of visiting the XXXX XXXX and not being able to use the product I finally find out from manager ( XXXX ) that employee XXXX has incorrectly submitted my information for a different type of account than what I was applying for. Manager ( XXXX ) told us sorry and he would have Regional Manager ( XXXX ) Who dealt with XXXX XXXX XXXX XXXX XXXX XXXX issuers reach out and get the issue resolved, which to date has not happened. I ultimately had to spend hours at XXXX XXXX and on the phone with XXXX XXXX trying to figure out who handles these kinds of issues with no one had answers. I reached out to Equifax via dispute in which this inquiry remains on my profile.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

We certified mailed the following letter to XXXX on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Credit Bureau Management XXXX XXXX XXXX XXXX, PA XXXX Re XXXX XXXX XXXX To Whom It May Concern : I'm writing to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to XXXX resulting in partial payments. Prior to XXXXXXXX XXXX  security breach, we made overpayments to our XXXX account through XX/XX/year> and NEVER had a late or delinquent payment. 

XXXXXXXX XXXX  security breach occurred in XXXX and lasted for weeks. I contacted XXXX and explained our dilemma with the understanding that my telephone call was noted with an extended grace period. I was surprised to find that the grace period was not extended and that XXXX falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account should be in good standing again with additional monies paid. 

Please amend and provide a good will adjustment to XXXX, XXXX and Equifax for the aforementioned reasons. Thank you.