davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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. (CA)

.Legal Procedure for Disputed Information under XXXX XXXX Code XXXX, CFPB Guidelines, and Consumer Protection Laws : Alleged Non-Compliance by Experian and XXXX XXXX XXXX legal landscape surrounding disputed credit information, collection practices, and charge-offs is multifaceted, encompassing federal statutes, regulatory guidelines set by the Consumer Financial Protection Bureau XXXX CFPB XXXX, and consumer protection laws. The recent allegations of non-compliance by Experian and XXXX XXXX in relation to these laws have cast a spotlight on the intricate interplay of these regulations. 

Section XXXX of XXXX XXXX of the United States XXXX outlines the mandatory steps for addressing disputed credit information. Simultaneously, the CFPB enforces regulations aimed at safeguarding consumers ' rights and ensuring fair credit reporting practices. The alleged actions of Experian and XXXX XXXX, if verified, could potentially run afoul of these legal requirements, compromising consumers ' trust and rights. 

It has been asserted that Experian may not be upholding its obligations with the necessary diligence, potentially infringing upon provisions set forth under the Fair Credit Reporting Act ( FCRA ). Moreover, the purported refusal by these credit reporting agencies to acknowledge disputes submitted by individuals might contravene the FCRA 's intent of addressing consumer concerns. 

The following account details, along with corresponding account numbers, have been implicated in these disputes : Account name : XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Amidst these allegations, it is imperative that individuals facing credit inaccuracies, collection actions, or charge-offs familiarize themselves with their rights as outlined in various consumer protection laws. By seeking legal counsel, individuals can ascertain the veracity of these claims and explore potential legal avenues for remediation. 

In light of the comprehensive legal framework in place, it is essential that Experian, XXXX XXXX, and all entities involved in credit reporting adhere to their obligations. Upholding the FCRA, CFPB guidelines, and broader consumer protection laws ensures not only the accuracy of credit information but also the protection of consumers ' financial well-being and rights.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (MN)

My credit report is showing late payments on XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MO)

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Since 2019 there has been an old email address added to my credit report. The old email address is being logged into by someone other than me. When doing so, they have used the information for stalking, abuse, and harassment. I have updated my email address to the current email several times, and sent by mail copies of my drivers license, with letters requesting that my current email be the only one added to the credit report. Regardless of how many times I have updated the email address they still change it back to the old one. The person using the old email has all of my personal information. They are also stopping me from housing, transportation, employment, and other medical.
Consumer complaint received 2023-08-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (GA)

I try to get a loan with XXXXXXXX XXXX XXXX, everything was gone well. the company ask for hundred. documents, everything the company ask I send right a way. 
when I star to send the documents the company ask me, like a nedd to make a deposit for XXXX XXXXbut the company said a soon the prosed was finish the {$500.00} dollars was return to me.the company take more and more time, the 50 days. The day I suppose to signs aging ask for more documents I was angry bcs i was send before the same document 3 or 4 weeks before, whatever the company continue.to take more and more time, I was angry for that, so I decided to cancel everything.Then I ask to return my deposit of {$500.00} company refuse to return my money.the only explication was that the money was for make evaluation of my house. Was like little. Trick.I try many call but alwys say the same.I need my money back.and I hope you can help me.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. 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 2023-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Consumer complaint received 2023-08-10
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: EQUIFAX, 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.

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 2023-08-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-27
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. (TX)

as per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from a advocacy group helping me due to XXXX  XXXX debt bondage which falls under XXXX according to XXXX debt final rule 1002,142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request you block and remove this information from my report within four days pursuant section 605C of the fair credit reporting act please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (CA)

I reviewed my consumer reports and noticed that I had one late payment 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 ( account name -XXXX XXXX XXXX XXXX ( account number XXXX ) please investigate and provide proof with statements showing that these payments were late .if proof cant be provided I demand these late payment be updated to on time as they should be as I was never late, Thanks
Consumer complaint received 2023-08-10
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. (AZ)

I have submitted a police report and federal trade commission complaint requesting them to block XXXX  XXXX accounts and XXXX XXXX  I have supplied these creditors also with a copy of police report and they come back every time saying its verified while XXXX  XXXX says they have been requesting it to delete each time. I requested a letter which is attached stating they agree the accounts were fraudulent as a result of identity theft but these XXXX  XXXX and XXXX XXXX  are still reporting on my credit report
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I summited disputes for XXXX and received dispute results XX/XX/XXXX, and I summited for XXXX and received results back on XX/XX/XXXX, Transunion I summited a dispute and got results back on XX/XX/XXXX. This case with company has been going on since XXXX. I have disputed Inaccurate credit Reporting for lates, And also all three credit Bureau have treated my credit reporting unfairness and Inaccurate. My FCRA rights with my financial information has been use against me and has violated my FCRA Rights has a consumer. Just recently for month of XXXX I had a high XXXX and higher credit score and applied to buy home and my score drop 3 times in one month. And then a company put on credit falsely late payment when it was not and reported inaccurate information and drop my score even more all in one month. I feel this is a economy discriminated against me as a consumer and a XXXX XXXX XXXX. I have been fighting since XXXX and moving forward. My XXXX XXXX stayed at low score since XXXX to XXXX didn't move at all due to a company and what they had put on reports.
Consumer complaint received 2023-08-10
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. (HI)

I summited disputes for XXXX and received dispute results XX/XX/XXXX, and I summited for Experian and received results back on XX/XX/XXXX, XXXX I summited a dispute and got results back on XX/XX/XXXX. This case with company has been going on since XXXX. I have disputed Inaccurate credit Reporting for lates, And also all three credit Bureau have treated my credit reporting unfairness and Inaccurate. My FCRA rights with my financial information has been use against me and has violated my FCRA Rights has a consumer. Just recently for month of XXXX I had a high XXXX and higher credit score and applied to buy home and my score drop 3 times in one month. And then a company put on credit falsely late payment when it was not and reported inaccurate information and drop my score even more all in one month. I feel this is a economy discriminated against me as a consumer and a XXXX XXXX XXXX. I have been fighting since XXXX and moving forward. My XXXXredit score stayed at low score since XXXX to XXXX didn't move at all due to a company and what they had put on reports.
Consumer complaint received 2023-08-09
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. (PA)

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 alleged identity theft, not later than 4 business days after the date of receipt.

It has been 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 of my consumer report which violates my rights as a federal protected consumer NO CONSENT IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-08-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions. 

I am not liable for this debt with XXXX XXXX XXXX as I do not have a contract with XXXX XXXX XXXX. They did not provide the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 an account without my written instructions. 

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA.
Consumer complaint received 2023-06-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (SC)

I have contacted Wells Fargo on three separate occasions about having a check reissued in the name of my father who has since passed away in XXXX. Wells Fargo provided the paperwork to get the check reissued and since it was to be reissued in the name of a deceased customer, they asked for verification such as a death certificate. I filled out the form and provided the death certificate as requested. They then sent a letter stating they can not reissue a check without me filling out a W-9. By their own letter, it states a W-9 would need to be completed if issued to a new payee. I am not requesting it to be reissued to a new payee and I made that clear multiple times on my telephone call today with them. I requested my call to be escalated to a supervisor and it was not. They then placed me on hold for an extended amount of time saying they were getting a new check number generated and to be sent out. After waiting that extended amount of time, the woman came back and said they would not reissue it without the W-9. First she said it was because the check was more than {$200.00}. She then said it was to verify me. I told her Im listed on the death certificate as next of kin with the same address as the mailing address on file for my father. I told her even if I filled out the W-9 in the name of the estate, the estate has been closed out for over 5 years so it wouldnt benefit anyone. I told her I provided everything they asked for to verify the account and she still gave me the run around. I told her I would be filing a complaint with CFPB for withholding funds and that I followed the information provided in their paperwork. The woman stated she would start a complaint for me however I told her I would do it myself to ensure it was done and accurate. WellsFargo is willfully withholding funds and refuses to release them even after all documentation has been provided.
Consumer complaint received 2023-08-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I filed bankruptcy in 2017. At that time, my student loans with Navient should have been discharged as well. They were never discharged and the loans are double the cost of tuition for the university I attended.
Consumer complaint received 2023-08-09
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. (NV)

I would like this account deleted and {$3000.00} monetary for my the damages, emotional stress and for storing, sharing a furnishing my alleged private transaction experiences. Transunion and aagron collection agency willfully and intentionally continue to share, furnish my information without my written or verbal consent and couldn't show me proof that I provided them with consent to share my alleged private transaction experience. This cause me to lose employment opportunities. Transunion neglected to do their graves responsibilities and a reporting agency making sure consent was given witch is an invasion of my privacy.