davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
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. (IL)

I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report reference XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. XXXX. XXXX XXXX : account number XXXX {$6300.00} balance.This account should not be reporting on my credit report. XXXX. XXXX XXXX XXXX balance {$5300.00}. XXXX XXXX XXXX XXXX balance {$3100.00}. XXXX XXXX XXXX : account number XXXX balance {$670.00}. XXXX XXXX XXXX : account number XXXX balance {$1300.00}. XXXX XXXX XXXX  A : account number XXXX balance {$740.00}. I did not authorize these accounts please remove them from my consumer reports. I did not authorize these inquiries so please remove it from my consumerreports : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. MY NAME IS SPELLED XXXX XXXX XXXX I demand that ANY other variations or incorrect spellings of my name be removed immediately. My only address that should be showing on my consumer reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please remove ANY other addresses showing on my report because they are fraudulent. Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Subject : Dispute of Missing Information on Credit Report Paid Auto Loan with XXXX XXXX XXXX Dear Credit Bureau Representatives, I am writing to formally dispute the missing information on my credit reports from your respective bureaus regarding my auto loan account with XXXX XXXX XXXX ( Account Number : XXXX ). 

As of XX/XX/2021, my loan with XXXX XXXX XXXX has been fully paid, and I have received an official letter from XXXX XXXX XXXX confirming that the account is paid in full. However, this loan is not reflected on any of my credit reports from XXXX, XXXX, or Experian, which is a significant omission. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am requesting an investigation and correction of this omission. Accurate and complete reporting is required by law, and this account should be reflected on my credit report with a status of " Paid in Full. '' Enclosed, you will find a copy of the letter from XXXX XXXX XXXX confirming that this account has been fully satisfied. I request that you promptly update my credit report to include this account and its accurate status and notify me once the update has been made. Additionally, I ask that you share this corrected information with the other credit bureaus as mandated by the FCRA. 

Please send me confirmation once this dispute has been resolved, and an updated copy of my credit report showing the corrected information. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, please feel free to contact me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MA)

The terrible ordeal is this I have requested the company to look correctly my information anf they never responded back waitted 90 days since last time and nothing I am tired of run arounds and speaking to agents that hardly speak english can you help me!!!
Consumer complaint received 2022-11-29
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. (OH)

I went to XXXX XXXX to get a phone a few months ago and they told me that i have an account with them that is in collections. I have never opened an account with XXXX so i checked my credit report and found out that i was a victim of identity theft and also saw 2 more fraudulent accounts with capital on on my profile. I have been in contact with both companies and they told me that i need to do a FTC Identity theft report in order for the accounts to be removed. I also have been trying to reach out to XXXX, Transunion and XXXX and they haven't done anything yet. Please remove these accounts as soon as possible.
Consumer complaint received 2024-09-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (TX)

In XX/XX/year>, I was hospitalized with a major illness, which caused me to fall behind on my mortgage payments. I made attempts to catch up, but despite reaching out to the mortgage servicer multiple times, they never returned my calls. While I was still in the hospital receiving treatment and therapy, they allowed a vendor to forcibly enter my home by breaking down the door and changing the locks without notifying me. I have made payments and I am not that far behind. 

My personal belongings, including my car, were still inside the home. Several of my items were stolen, and my car was damaged when the intruders attempted to break into it and start it. They went through my personal drawers, tried various keys, and eventually damaged my car door. They also stole the battery from my vehicle and a drill from my garage. Additionally, they broke my patio door, causing further damage to my property. 

No one from the mortgage company , the servicer, or the XXXX XXXX XXXX ever contacted me during this time. When I returned home from the hospital, I discovered the damage and theft, yet there had been no phone calls, notifications, or any communication from any party involved. 

I am XXXX XXXX XXXX, living alone, and this situation has been extremely unfair. They are refusing to negotiate with me despite my request for a hardship accommodation, and it feels like they are attempting to take advantage of me as a senior citizen by trying to take my property. This treatment is unjust, and I am seeking a resolution.
Consumer complaint received 2024-09-17
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. (AK)

Late Dispute Letter 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 XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my Experian, and XXXX Credit Report and I noticed that XXXX late payments from XXXX XXXX is still posted on my report : XXXX XXXX XXXX XXXX XXXX Your company Experian XXXX XXXX and XXXX XXXX XXXX has XXXX violations. 
Both Experian and XXXX have violated the laws by keeping the late payment on my credit report, and not deleting this account as XXXX did. Under 15 USC 1681 Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

All three credit agencies are to provide the same information for accuracy. 


Also, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS-Except as provided in paragraph ( XXXX ), the term consumer report Does not include- ( A ) Subject to section XXXX of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this account from my consumer report. This agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of character. 
XXXX. Negligent Enablement of XXXX XXXX. 
XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX violations. 
XXXX. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance XXXX. Civil liability for willful XXXX15 USC 1681n . 

Best Regards, XXXX XXXX
Consumer complaint received 2024-09-17
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. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-17
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. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-09-17
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. (MS)

After requesting this account to be investigated for a third time its still inaccurate and incomplete. I am no longer requesting another investigation demanding a DELETION immediately. Adatonally, the FCRA mandates that credit reporting agencies maintain accurate '' information ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge off each month creates an inaccurate and misteading credit repon, which negatively impacts my credit score Moreover, the statute of limitations for reporting a charge off is seven years from the date of the first delinquency leading to the charge off ( 15 U.S.C. 1681c ( XXXX ) ). Reporting this Charge off multiple times does not extend this statute and is therefore improper.

Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or XXXX verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within in 15-days. 


I request that you promptly DELETE this account IMMEDIATELY!
Consumer complaint received 2024-09-17
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am contacting you regarding a concerning issue with my credit file. I've noticed a collection entry from your agency that I was not previously aware of, and I have serious questions about the accuracy of the claimed debt. Under the Fair Debt Collection Practices Act, I am exercising my right to request debt validation. 

I formally request that you provide the necessary validation and take appropriate steps to address this matter. Please note that a comprehensive response, including all requested items, must be furnished within 15 days of this letter 's date.
Consumer complaint received 2024-09-17
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. (FL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
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: Early Warning Services, LLC (NY)

XXXX  XXXX XXXX has confirmed that the account on their records is the result of identity theft and fraud. Unfortunately, our experience with XXXX and Early Warning Services has been nothing short of frustrating and disappointing. These agencies have been belligerent with our private and personal information and have refused to properly investigate and remove the fraudulent item from our records. 

Despite multiple attempts to reach out to XXXX and Early Warning Services, they have not provided us with a satisfactory response or conducted a proper investigation. This leaves us with no choice but to demand the removal of the fraudulent account from our profile. 

The actions of XXXX and Early Warning Services are in direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, as specified in USC Title 15, Chapter 41 and 12 CFR Part 1022, respectively. These laws require that credit reporting agencies conduct a reasonable investigation of disputed information and promptly correct any errors or inaccuracies found. 

Furthermore, the failure of these agencies to comply with these laws not only puts consumers at risk of identity theft and fraud but also causes them significant harm and financial loss, which is a violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as specified in USC Title 15, Chapter 41, Subchapter II and 12 CFR Part 1005, respectively. 

As such, we demand that XXXX and Early Warning Services not only remove the fraudulent account from our profile but also provide compensation for the emotional distress and financial hardship caused by their negligence. We call upon these agencies to take immediate action to rectify the situation and comply with all legal requirements. We will not stop until our consumer rights are upheld, justice is served, and we are fully compensated for the harm caused by their actions.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$530.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-17
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. (AZ)

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.