davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and should be removed. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies ( CRAs ) maintain accurate and complete information in their credit reports. I believe that the following items on my credit report are inaccurate and in violation of the FCRA : XXXX  XXXX bankruptcy discharged, Case Number : XXXX - The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such information or provide them to credit reporting agencies such as XXXX, XXXX, and Experian. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies, I demand this account be removed in accordance with the FCRA. 
2-7. Unauthorized Inquiries - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX - I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

8-13. More Unauthorized Inquiries- XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

14-21. Inaccurate Account Information - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - There is no record in my possession that these accounts belong to me. Therefore, I demand that this inaccurate information be removed from my credit report in accordance with the FCRA. 

I request that you promptly investigate these items and make the necessary corrections to my credit report in accordance with the FCRA. Additionally, I request that you provide me with written confirmation of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Someone used my Social Security Number and my name to open XXXX Credit Card on XX/XX/XXXX. I figured it out on XX/XX/XXXX and called them immediately to close the account and asked what I need to submit them for investigation. They said they can communicate thru physical mail only and asked me for police report and XXXX XXXX. So I got both reports and sent them to the address XXXX asked me to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). I even sent them the tax fraud report as well since the fraud used my SSN to get his tax return. But then they never responded me and when I called them I had to use fraud 's phone number to speak to representatives. In a meantime, I disputed XXXX Credit card on XXXX credit bureaus. But then XXXX declined it later and put it back to my credit report after a while. I tried disputing it again but they kept declining it. I firmly believe that XXXX is deliberately exploiting and mocking the victim.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update this immediately in my report : XXXX XXXX
Consumer complaint received 2024-08-01
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. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XX/XX/year>
Consumer complaint received 2023-04-04
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXX & XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP (IA)

I got a call from this number claiming I was supposed to be contacted yet instead I was transfered to someone claiming to be a paralegal who had all my information including social security number. They claimed I owed a debt to US Bank over a decade ago and when I told him to tell me the lawfirm he worked for that I need to cut the XXXX and he will show me how bad he will make it for me. I called back repeatedly to find out what company contacted me but they refused to tell me and hung up. They claim they would be putting a lien on one of my vehicles but refused to communicate anything useful.
Consumer complaint received 2024-07-22
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 account with XXXX XXXX was never late! I have had exceptional payment history with XXXX CARD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-11-28
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. (FL)

I demand these unknown/unauthorized companies : Account XXXX, and XXXX XXXX XXXX to immediately be removed from my consumer report! Unless there is proof that I signed giving permission for any authorizations, giving permission for any types of transactions with these said companies, if there is no such proof, then this is IDENTITY THEFT and it needs to immediately be removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting from Identity Theft. I will be coming after YOU REPORTING AGENCIES for continuously allowing this on my consumer report after several disputes, and will be collecting {$1000.00} per violation according to 15 USC 1681n-Civil Liability for Willful Noncompliance and for violations of 15 USC 1681eb Compliance Procedures ( b ) Accuracy of Report
Consumer complaint received 2023-11-28
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. (LA)

I have asked the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In Accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (CT)

XXXX XXXX XXXX XXXX service by Wells Fargo I applied for a modification in XX/XX/XXXX as my arm was to expire in XX/XX/XXXX. 
Ive been placed in a trial period since XXXX ; this was supposed to be for XXXX months no end in sight. My interest rate went from a XXXX to XXXX XXXX ; my account summary has in parenthesis until XX/XX/XXXX. Since Im not making full payment it goes into unapplied funds balance which makes me look delinquent ; does this impact my credit score?? 
How long can the company have me in limbo? 
This is in the best interest of who?? 
Page XXXX of XXXX of my statement says : The longer you wait, or the further you fall behind on your payments, the harder it will be to find a solution XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 2023-11-28
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC (WA)

So online the car is advertised for {$19000.00} I get prequalified through XXXX XXXX XXXX for that dealer so I go to the dealer before or before that I am I could application and had a cosigner they told me to come in they going to deny the preapproval from their partner that they had online so then theyre trying to find me a lender dimensionally do and then say that they need a minimum of XXXX down so then I asked for the shooting in statement which you should have any more paperwork to it they just gave me the sales quote but that was good enough for me at the moment because I was able to see the amount Finance how much the car is costing taxes and fees so XXXX XXXX  was XXXX and price of the car was XXXX sold in the fees was one for XXXX and then another one for XXXX and another one for XXXX so total I was going to be paying a total amount pain is {$27000.00} which is ridiculous because when they did not go over the details with me about any of those charges or they did not tell me which charges I was kidding or what add-onsOr anything they did not disclose any information with me at all and then expect me still to pay the money including title 15 USC 1605 states they can not be no cash involve me in a finance charge the down payment you can not be as illegal and they were still trying to convince me he still channelizing or will they charge for this and this is because it is what it adds up to this and they were just you know trying to find a way around it which is I think misleading in bed practices so thenAre you on the phone with the credit unions underwriters and they tell me they cant speak with me because they want to go to the dealer but I was able to explain to the underwriter who am I sitting by my point by where I stand at it with issues and she did not tell them that I had talk to her so the underwriter straight out just lied so they called back again to get somebody else find that guy into XXXX guy he did call the dealer and then I called the dealer to ask if they had talk to him and he said yeah but Im not gon na worry about that right now I got other customers in front of me right now Im not gon na deal with that right now when beforehand I was there before this customers and I hit XXXX and I feel like it was a lot more important than two customers just walking in but like I said they were trying to avoid the tuition and then at the end they were saying that they were not going to sell me a car and they were denied me a consumer credit transaction so then they basically dont wan na sell me a car because theyre breaking federal law. 

IMPORTANT FEDERAL LAW VIOLATIONS : TITLE 15 USC 1611 TITLE 15 USC 1605 TITLE 15 USC 1662B TITLE 15 USC 1635 TITLE 15 USC 1679a Dealership name is XXXX XXXX XXXX XXXX Washington
Consumer complaint received 2022-12-02
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2020
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (IL)

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed.

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm.

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report.

3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report.

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights.

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2023-11-28
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-01
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. (NY)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.