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

On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

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

Please CORRECT the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Request for Removal of Late Payments from Credit Report - Reference Law 15 USC 1681a and 15 USC 1666b According to the Fair Credit Reporting Act ( FCRA ) as per Law 15 USC 1681a Definitions rules of construction ( 2 ) Exclusions the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I have recently reviewed my credit report and noticed that late payments have been recorded on my account for the months of XXXX, XXXX, and XX/XX/2023 on SOME not ALL reports. I would like the status updated to paid as agreed or okay. 

In light of this, I would like to draw your attention to Law 15 USC 1666b, which pertains to timing of payments ( 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, on consumers reports furnished to credit reporting agencies. 

According to the law transactions ( late payments ) are not to be on my consumer report. I understand the information reported is by choice and not required. Your company according law is violating my rights and breaking the law. I've communicated this information to you all twice now and in writing in the mail with no response.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX, XXXX and Equifax is reporting a Bankruptcy on my credit report as the U.S. Bankruptcy Court XXXX XXXX of Texas ( XXXX ), which is false. I have attached the letter from the U.S. Bankruptcy Court XXXX XXXX of Texas, verifying and stating that they do not report to any information to any credit reporting agencies nor do they verify any information on anyone who has filed any type of Bankruptcy through their courts. XXXX and Equifax are falsely stating this information on my credit report and has yet to remove this from my personal credit report.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reviewed my Consumer Reports and noticed that I had two late payments 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 ) 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. Thanks.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (TX)

unfortunately I discovered that people can also take over your Experian account even without your login information by simply signing up for a " new account '' using your DOB and SSN as well and then changing the email and login info to whatever email/password they want for themselves. Someone changed my information for Experian to a different email username and password on XXXX and I was not the person listed in the system anymore. They then used this information to open a fradulent card with XXXX. I've reached out to Experian about this. There doesn't currently seem to be a work around to prevent people from doing this. I was able to reassess my account by signing up for a new account with the previously listed email but that is a major security risk. I also updated to two factor authentification as well, but there should not be a way to create a new account with a new email for the same SSN.
Consumer complaint received 2016-11-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (PA)

Had my car financed with Westlake Financial Service on XX/XX/2016 in the amount of {$19000.00} that included {$390.00} for Gap insurance. On XX/XX/2016, had my auto loan with Westlake Financial Service refinanced with XXXX XXXX for {$18000.00}. Futhermore, on XX/XX/2016, contacted Westlake Financial Service and spoke to XXXX and requested an refund for {$390.00} for the Gap insurance. XXXX advised me that Westlake Financial Service does not issue refunds for Gap insurance for any reasons. I advised XXXX that Westalke Financial Service Gap Insurance does not transfer to my new lien holder and I should not be paying for the coverage that I do not have.
Consumer complaint received 2022-11-08
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. (FL)

These companies are reporting my information without my consent. I sent them notice that I am aware I'm of the fraudulent reporting. According to my federal laws 15 U.S. Code 1681b - Permissible purposes of consumer reports they need my permission to report my information and I haven't given them my permission
Consumer complaint received 2023-09-06
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. (IL)

TransUnion has deliberately failed to accurately provide or generate a correct credit score and accurate data about accounts and history in my credit report. Also failure to generate accurate credit score that reflects credit activity and history of credit reporting and positive activity for years. This failure has resulted in low credit score and rating due to incorrect assessment by TransUnion. TransUnion has incorrect personal information in my credit report that Ive requested to be corrected and removed but has not been updated yet. These include wrong address and incorrect name and telephone numbers and social security number. TransUnion has ignored several requests to correct these problems and refused to respond. I have been denied access to my personal credit records after I requested TransUnion fix the problem. These errors have caused delays and denial of service and credibility.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Georgia Student Finance Authority (GA)

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 IMMEDIATELY!

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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MI)

I have a fraudulent account on my credit report from XXXX XXXX XXXX XXXX and I and I know it is from identity theft so I filed a identity theft report at the ftc and I have filed a police report and I see that XXXX XXXX XXXX XXXX has broken the laws because no creditor must not furnish any account that comes from disputed Identity theft. I demand for this account to be immediately deleted from my credit report due to credit laws of 15uscs 1682 c-2 that it shell be blocked and deleted in 4 business days. and attached is the identity theft affidavit report and police report and proof of my incarceration at the time that account was open. Please remove this fraudulent account off my credit report.
Consumer complaint received 2023-09-21
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-08-08
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. (FL)

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I applied for the new SAVE plan XX/XX/XXXX. They said they would email updates that I never received. I called and spoke to a person on the phone and they said the application was in process, that the department of education told them to pause some applications due to an error. After calling, the notification on the site said my application was submitted XX/XX/XXXX instead of the original date with no timeframe for when it would be completed. I still have not received a single email update on the status of my application.
Consumer complaint received 2023-08-08
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. (FL)

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. I have disputed those account 's already for more than 30 days there have been no answer, according to the law that is result of non-verification, which requires that the above accounts be immediately removed from my credit file. 

-XXXX {$1300.00} ( opened XX/XX/XXXX ) XXXX XXXX Co {$1200.00} XXXX XXXX XX/XX/XXXX )
Consumer complaint received 2023-09-21
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. (AL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-27
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. (NC)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NC)

Equifax has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX XXXX ... It appears that Equifax changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered.
Consumer complaint received 2024-08-13
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)

In accordance with the fair credit reporting act convergent account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

When signing up for electronic statements on my XXXX XXXX card with XXXX I inadvertently made an error on my email address ( inputting XXXX XXXX XXXX instead of XXXX XXXX XXXX' ). A charge of {$5.00} was then made to XXXX XXXX on the card which I forgotten was used as a default payment. As I did not receive email or written notification of the charge and subsequent delinquencies I was unaware of the balance. It was not brought to my attention until a credit reporting agency sent a notification of a decrease in my once excellent credit score, showing that XXXX reported a 30 day and 60 day delinquency. I immediately paid the {$5.00} and although XXXX waived the late fee and interest they refuse to remove the late payments from my credit report. I understand that XXXX is required to report late payments however, I am truly not a credit risk and under these circumstances ( the nominal {$5.00} amount and the typographical error ) I am hoping that they will make one time courtesy adjustment. I also hope that XXXX would do as some other banking institutions do and verify emails when they are input into their system and also send out written notifications of delinquencies, so as to avoid issues like this in the future.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IN)

This Debt has been false reporting on my credit report. This collection of debt I do not owe to this collector. This debt states a credit card with XXXX  XXXX and also it states the address in connection with this card I have never lived there in my life. This debt collector has been asked to prove this contract agreement which i signed with them. Silence has proven i owe no debt at all. They are my credit report causing damage. As you can see I have a 98 percent payment history. Other then student loan which are in good standing, i have no other debts. MIDLAND CREDIT does not have my permission to pursue any debts that i do not owe with me. They have been removed before and yet placed again on my report it must STOP.