davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (FL)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/XXXX ]. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Detailed Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (PA)

... ... .XXXX XXXX XXXX XXXX froze or levied my account on XX/XX/23 because citi bank na used XXXX XXXX XXXX XXXX XXXX XXXX execution letter delivered to XXXX XXXX XX/XX/23 to XXXX my account because of consumer debt that I'm not able to pay do you being on pa unemployment insurance ... ... .I have emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX them about exemptions on pa XXXX  state and federal part and let them know about XXXX and the complaint ... ... .I 'm having absolutely no problems with XXXX XXXX that XXXX me and my wifes joint but ... ... ... ..so it has to be XXXX XXXX XXXX XXXX and how they are handling this ... ... ..I was served by the sheriff s department today XXXX XXXX.. .. How is the bank able to levie or freeze my account on a executive letter that is against Pennsylvania and XXXX XXXX XXXX XXXX exempt XXXX XXXX  benefits... I sent a complaint to cfbp but haven't gotten a reply... I attached the order to you because is the order mis read by XXXX XXXX XXXX  or do i file against XXXX XXXX XXXX XXXX citi bank XXXX  but sent to local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX it is getting all mixed up because of federal local Pennsylvania XXXX ny laws when .... im being affected Imediately ... ..the bank and law firm and citi bank na are breaking Pennsylvania and federal laws on major exemptions under Pennsylvania and Federal laws on trying to collection on employment compensation insurance ... .I attached the page but was served after the fact of the levied account how are they allowing this to happen ... .if possible can you forward my message to the right party I fighting here ... .I will reply to the courts but I'm being buried by bank to bank snowball to a avalanche effect here and its all damages and racking dollars cause the locked my only form of income pa XXXX .....
Consumer complaint received 2024-10-28
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. (MD)

XXXX XXXX XXXXXXXX. 
According to 15 USC 1681i 5 they are suppose to ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure.
Consumer complaint received 2024-09-07
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. (CA)

Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Negative Accounts Appearing on Credit Report Due to National Data Breach To Whom It May Concern, I am writing to formally dispute the inaccurate and negative information appearing on my credit report as a result of the national data breach. These negative accounts were not initiated by me and are the result of identity theft stemming from this breach.

In accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 dispute guidelines, I am submitting this dispute under the following format for your immediate review and action : Identification of Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reasons for Dispute of all accounts above : Accounts created due to breach, identity theft, and unauthorized access.

Metro 2 Compliance and Dispute Codes : Compliance Condition Code : XB ( Consumer Disputes This Information ) Dispute Reason Code : XXXX ( Not Mine Fraud or Identity Theft ) FCRA 605B ( 15 U.S.C. 1681c-2 ) : As per this section of the FCRA, I am requesting that these fraudulent accounts be blocked from my credit report immediately. In addition, I demand the following actions : Immediate investigation and removal of the disputed accounts.

Implementation of a fraud alert and security freeze to prevent further fraudulent activity.

Provide confirmation that the accounts have been removed or corrected. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (TX)

In XX/XX/2022 a salesman from XXXX XXXX came to my door and asked to talk to me about Solar panel installation. I was already looking into solar and after extensive conversation and background research decided to move forward with financing the panels through Mosaic. I signed a contract with XXXX XXXX, however no one from their company ever signed or dated the contract. The panels were installed but never hooked up. A few months later i received a letter from centerpoint advising that both XXXX XXXX and myself needed to resign a tarriff agreement as it was filled out incorrectly. I tried multiple times to reach anyone at XXXX and soon found out they seem to have skipped town. I am involved in a class actions lawsuit against them as they have defraded over 100 people between Texas and Arkansas. The terms of the agreement between Mosaic and XXXX was that the first half of the disbursement would be paid upon signing the contract and the second half would be paid after the work had been completed and verified by Mosaic. Mosaic never verified the work had been completed and blindly sent XXXX the second half of the disbursement and are now refusing to cancel my loan even though i have sent them proof that my contract was never signed and even according to the portal on XXXX 's website my installation is only 90 % complete. I am looking to get my loan cancelled through Mosaic as they did not honor their part of the agreement.
Consumer complaint received 2024-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

On XX/XX/2024, there was a hard inquiry placed on my credit report on all XXXX credit bureaus On XX/XX/2024, I received an application for a XXXX XXXXXXXX credit card under my name On XX/XX/2024, I called XXXX XXXX and informed them that it was fraudulent. They marked it as fraudulent and told me within 60 to 90 days it will be removed from all XXXX credit reports. 

At the same time, I put a fraud alert and froze my credit on all XXXX websites. I also filled a FTC and a police report the my identity was stolen. 

On XX/XX/2024, I called Transunion informing me that my hard inquiry was still on my report. My case was then escalated and I was told that a supervisor would call me within 3 days. 

Fast forward to today XX/XX/2024, my hard inquiry is still on the report and I did not receive a call from a supervisor. Customer Service confirmed that they could see my documents under a specific case number This is unacceptable and my hard inquiry needs to be removed. XXXX and XXXX already removed my hard inquiries.
Consumer complaint received 2024-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This morning, I discovered unauthorized inquiries on my credit report and I'm unsure of the reason. I checked my credit report as usual, but this time there were unexpected discrepancies. Refreshing my browser didn't remove the inquiries. Because of this, I'm requesting a detailed review of the documents I've provided to avoid future concerns.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Earlier this month i received an email from XXXX that my personal information has been compromised due to a data breach, this information included my name, social security number, date of birth, address and phone number. they gave me identity work to use for one year. i decided to purchase my first set of credit report from Experian that got sick to my stomach to find out that i have been a victim of identity theft for a long time. apparently. these criminals somehow find my personal information and changed my phone number and address and got two credit cards from XXXX XXXX XXXXXXXX, since I was not aware of these accounts, they both account got charged off and i do not know if they been sent to collections or not. i immediately contacted credit bureaus and told them about these unauthorized accounts and they instructed me to file a police report and a report on this site identitytheft.gov. Please help me to resolve this stressful situation, thank you
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NE)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-26
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. (FL)

XXXX XXXX has placed a collection account on my personal credit report for a business account without my written authorization or a court ruling. This action violates 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1692 ( a ) regarding abusive, deceptive, and unfair debt collection practices. Additionally, XXXX XXXX failed to credit the business account after accepting payment in the form of registered securities and negotiable instruments, which breaches their original contract and violates the Securities Exchange Act of 1934. XXXX XXXX states that the business account is closed, yet the business account still remains open and still has a credit line attached to it. XXXX XXXX 's actions violate the following laws : 15 U.S. Code 1666 ( b ) & ( d ) - The company failed to address billing errors properly and engaged in fraudulent billing practices. Billing Error Notices were sent in XX/XX/XXXXXXXX XXXX XXXX  and XX/XX/XXXX, yet the business didnt receive a response. 15 U.S. Code 1692 ( a ) - They have committed abusive, deceptive, and unfair debt collection practices by definition. 15 U.S. Code 1681 ( Fair Credit Reporting Act ) - XXXX XXXX added adverse information to my consumer report without my written consent, violating my right to privacy and fair reporting. They are also in violation of compliance procedures for reporting inaccurate information. On multiple occasions ( XX/XX/XXXXXXXX XXXXXX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX accepted restricted endorsed negotiable instruments, payment vouchers, and registered securities but failed to credit the business account. This violates their role as a Security Transfer Agent under the Securities Exchange Act of 1934. The failure to credit these payments also breaches the Electronic Funds Transfer Act. I request the immediate removal of the XXXX XXXX collection account from my credit report as it is inaccurate and no contract was given. I also request an investigation into their unlawful and deceptive debt collection practices and appropriate penalties. Please find the attached supporting documentation regarding the payments and the dispute notices sent to XXXX XXXX. XXXX v Equifax highlights the importance of providing accurate information by credit bureaus and what happens when a credit bureau fails to abide by applicable laws. Any change in contract made by XXXX XXXX is declined and not accepted.
Consumer complaint received 2024-10-29
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. (CT)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I sent Transunion a complaint letter disputing information contained in consumer reports given by Transunion regarding XXXX XXXX # XXXX. Per Consumer Financial Protection Bureau records, you received & responded to my dispute on XX/XX/. 

Accordingly, as per the FCRA TransUnion was required to conduct a REASONABLE investigation & DELETE the disputed account as I requested before the end of the 30-day period of date which TransUnion received my letter. TransUnion received my dispute letter on XX/XX/. Therefore, their response with ACCURATE results of investigation was due on or by XX/XX/. Instead of sending me a response letter with the result of their investigation of the disputed information, they sent me a letter dated XX/XX/ claiming we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 
Transunion have willfully failed to DELETE the disputed information as I have disputed. In lieu of the disputed information, TransUnion willfully failed to conduct a reasonable investigation. Their assumption is a not valid reason under the FCRA to not reinvestigate my dispute. I directly dispute the completeness and or accuracy of information contained in my consumer file. 

As a result of your conduct described above, TransUnion shall promptly DELETE the information disputed. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, TransUnion will be held liable to me for statutory damages for their misconduct, in addition to their deletion of the disputed account mentioned, TransUnion is demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX.
Consumer complaint received 2023-07-07
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: Continental Finance Company, LLC (ID)

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Continental Finance Company LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
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. (GA)

My name is 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 2024-09-27
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. (FL)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

Account : XXXX XXXX number XXXX XXXX ( CLOSED ACCOUNT ) payment late year 2021 In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Dear CFPB, I am writing to file a formal complaint against XXXXXXXX XXXX. On XXXX I requested a debt validation letter in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, they have neglected to respond to my request, violating my rights under the law. 

I respectfully request your assistance in ensuring that XXXX XXXX provides the requested documentation or ceases their collection efforts. 

Thank you for your attention to this matter.