davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Prizm Financial Company, LLC (IN)

On XX/XX/XXXX I sent a complaint via Consumer Financial Protection Bureau ( XXXX ) .The complaint was about consumer violations among other things that prizm had violated .Prizm company response was that they were sorry that I was struggling on my payments and that XXXX, XXXX, XXXX, the consumer signed a contract for the financing of the vehicle with prizm financial company llc.They stated that they did not purchase this contract from a third party.A copy of the contract has been provided to the consumer.Prizm is willing to work with the consumer on his payments, however prizm records show a lapse in insurance coverage starting XX/XX/XXXX...... Everything that they responded back to your agency with the CFPB is a lie, misleading, and heartless the way they do there consumer.I requested that they send me a copy of there accountant ledger meaning revealing who was the original creditor, whom the debt was purchased from, etc.On XX/XX/XXXX I sent a request for debt validation which clearly, stated what was the money you say I owe is for, show me how you calculated what you say I owe, provide me with copies of any paperwork that show I agreed to pay what you say I owe, provide a verification of any judgement if applicable, Identify the original creditor, prove the statue of limitation has not expired on this account, show me that you are licensed to collect in my state, and provide me with your license numbers and registered agent or agent of service.I have not received any of the requested information from prizm financial.As of Friday XXXX XXXX it would be 30 days since the legal document I sent via next day mail was signed for at Prizm office location.They lied when they said this contract was not purchased from a third party.My investigation reveals that they purchased this debt from XXXX XXXX ( which makes them a third party purchaser ) They also stated that They are willing to work with the consumer on bringing the debt current i have proof to show the consumer attempted to make a payment arrangement for the next week but they refused it.This company not only lies to me but lies to a federal agency like the CFPB.Wow.I also sent a second validation letter, an notary signed affidavit ( statement of fact ), a conditional acceptance letter stating all consumer violations they violated with evidence to go with it, and a payment invoice to go with it.I gave Prizm 15 days to respond before i move forward with my court proceedings.As of XX/XX/XXXX they had not reponded back to my conditional acceptance offer.So note that i have taken all steps to remedy this situation without pursuing a legal action.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-26
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-07
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)

In XXXX we fell behind due to a pandemic. We have been struggling since and thankfully we received money from the state and this is where the communication has begun to struggle. I do not see where the state money was posted. We have always been transparent with XXXX and it has always been a struggle to communicate with them. Since XXXX XXXX XXXX it has worsened and they have quietly reallocated funds within our accounts as well as destroyed my wife 's credit without any communication, or trying to come up with a resolution to work together so we can make payments. Although no one has attempted to work with us we kept seeking help from anywhere we can to help us come up with a solution to our situation. We spoke to a HUD housing counselor to try to get this resolve so we can modify the mortgage due to the high interest rate. XXXX would take a long time to get back to the HUD counselor but would not talk to us. At the end XXXX stopped contacting the HUD counselor although we provided all documents requested of us and denied us. We were told that when we are behind we lose certain privileges and can not see updates to our mortgage account online. Wow so we are paying and cross our fingers they are allocating the funds correctly. My wife even tried to dispute the wrong credit reporting and they attached all the documents as if we are delinquent and no payment has been made. We need help to get to the bottom line and see how we can resolve this. My wife can lose her job if XXXX continues to destroy her credit and we have spoken to XXXX about this. No one returns our calls and no one has responded to my certified letter with documents attached requesting to please clarify all this for us.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My repeated efforts to correct fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, causing extreme stress and XXXX. I must emphasize that I never authorized this information to be associated with my name- I am a victim of identity theft.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to request the removal of the XXXX Credit Card entry from my credit report due to identity theft. I have been a victim of identity theft, and under the Fair Credit Reporting Act ( FCRA ), it is imperative that inaccurate information resulting from identity theft is promptly removed. The presence of this entry on my credit report violates my rights as per the FCRA, and I request your immediate action in rectifying this issue.
Consumer complaint received 2024-07-26
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)

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 : Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I sent my 2nd letter to XXXX, XXXX, AND EXPERIAN on XXXX, about reporting inaccurate and incomplete information on my consumer report. I had notified them that they are reporting inaccurate and incomplete information per 15 usc 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
they are in violation of 15 usc 1681e ( b ) as well by not reporting 100 % accurate and complete information. 
this is causing me XXXX and suffering by way of denial of certain things
Consumer complaint received 2024-07-07
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. (CA)

I disputed unverified and unauthorized accounts and asked the creditor to provide proof for these accounts that arent supposed to be on my report. And Ive been ignored for months The creditor continue to report unauthorized and unverified accounts to my credit which is damaging my credit and keeping me from providing a living for myself due to being denied for everything from these accounts negatively impacting my credit score, Im not able to find a place to live and I m not able to get a bank account or credit cards because of this. Please assist me in any way you can. Including an attorney referral as my rights continue to be violated.
Consumer complaint received 2024-07-09
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. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I am writing to formally dispute the unauthorized use of my one-time VA home XXXX XXXX by USAA Federal Savings Bank XXXX I am a veteran entitled to use the VA XXXX XXXX XXXX, which allows for a one-time restoration of entitlement under specific conditions outlined by the Department of XXXX XXXX XXXX VA XXXX XXXX However, I did not authorize the use of my entitlement by USAA for any recent transactions, and I believe this was done without my express consent or knowledge, which has impacted my ability to utilize this important benefit in the future. 
I originally purchased XXXX XXXX XXXX, XXXX PA XXXX in XXXX using my VA loan. I refinanced for a better rate on XX/XX/XXXX. I subsequently sold the home in XX/XX/XXXX. After that sale time, I bought another home at XXXX XXXX XXXX XXXX, XXXX PA XXXX, once again using my VA loan since XXXX League was disposed of. However, USAA fraudulently used, for some reason, my one-time entitlement restoration to purchase XXXX XXXX XXXX XXXX XXXX my permission. I was not aware of this until recently. My XXXX states that my one-time restoration was used for XXXX XXXX XXXX XXXXXXXX, for XXXX XXXX, but this property was sold and the mortgage satisfaction piece was filed by XXXX XXXX on XX/XX/XXXX XXXX I am seeking a restoration of this entitlement in case I need to use it for its intended purpose, with my permission. I've included the " XXXX of Mortgage '' documentation from XXXX XXXX showing that the property was sold/disposed of before my next purchase. 
I have confirmed through the VA that my entitlement was restored without my authorization. This unauthorized action limits my ability to obtain future XXXX loans and has caused me considerable financial and emotional distress.
Consumer complaint received 2024-09-03
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On my credit report all of them EQUIFAX, XXXX, XXXX, I HAVE ACCOUNTS THAT BOGUS THAT SHOULD NOT BE MINE THERE ARE OVER 30 INQURIES THAT ARE NOT MINE SOME LOAN ACCOUNTS THAT HAVE BEEN PUT ON 2 TO 3 TIMES THAT I DID NOT OPEN ALSO I AM A VICTEM OF IDENITY THEFT SINCE 2017 IT SEEMS LIKE EVERYTIME STUFF COME OFF MY CREDIT REPORT IT COMES BACK. ALSO I HAVE SENT IN POLICE REPORTS ALOT OF TIMES BUT THE DURAGATORY STUFF WONT COME OFF I HAVE 2 BANKRUPTCYS THATS SHOWING ON MY CREDIT THAT SHOULD NOT BE SHOWING BECAUSE IT WAS THROWN OUT BECAUSE IT WAS IDENITY STUFF WE FOUND SO THE JUDGE SOPPED THE BANKRUPTCY RIGHT THEN ONLY WAS A MONTH .SPOKEN TO CREDIT DEPARTMENTS AND TOLD THEM I HAD NOT MDE NO INQURIES BUT ALL 30 ARE STILL THERE AND ACCOUNTS SO NOW IM TAKING ACTIONS TO GET THIS REMOVED OFF ALL MY CREDIT.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-04
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. (SC)

COMPANY EXPERIAN IS COMMITTING FRAUD AND ALSO COMMITTING STALLING TACTICS TO NOT DO THEIR JOB AND REMOVE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. CONSUMER HAS SENT IN PROOF OF IDENTIFICATION AND OTHER DOCUMENTS SUCH AS UNITED STATES PASSPORT, AND EXPERIAN WILL NOT REMOVE FRAUDULENT ACCOUNTS. CONSUMER DOES NOT NEED TO CONTINUOUSLY SEND IN PROOF OF IDENTIFICATION, WHICH IS A RESULT OF VIOLATING THE LAW AND EXPERIAN HAS THE INFORMATION ALREADY 15 USC 1681 AND 18 USC 1028 AGGRAVATED IDENTITY THEFT. ACCOUNTS ON CREDIT REPORT THAT ARE FRAUDULENT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. CONSUMER 'S INFORMATION HAS BEEN IN ALL XXXX BUREAUS DATA BREACHES AND SOCIAL SECURITY ADMINISTRATION BREACH. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS .ACCOUNTS ARE NOT CONSUMERS AND ARE SOMEONE ELSES ACCOUNTS THAT ARE CONSUMERS REPORT. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. DO NOT VERIFY THIS INFORMATION WITH XXXX XXXX, VERIFY INFORMATION WITH A HUMAN. I WANT THE INDIVIDUALS NAME WHO WILL BE DOING THE VERIFYING. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Registration Rights XXXX. XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( FARES ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX  XXXX XXXX that owns the shares of. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.