davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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: VW Credit, Inc (VA)

In accordance with the fair credit reporting Act XXXX Account # XXXX, Volkswagen Credit, XXXX XXXX and XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states " I have a right to privacy ''. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusions. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my XXXX 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, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXX Balance : {$4100.00}, CHILD SUPPORT ENFORCEM XXXX Balance : {$6600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (WA)

On XX/XX/XXXX we closed on a new construction home built by XXXX XXXX. We had initiated this purchase in XXXX of XXXX by placing a 5 % deposit on the home that was only returnable if we did not qualify for the loan for the home. Between XX/XX/XXXX and XX/XX/XXXX the Interest rate increased significantly ballooning the monthly payment to where it represented 54 % of our household Gross income. with the interest rate rise I contacted our Loan Officer XXXX XXXX XXXX  # XXXX, who works with XXXX XXXX XXXX in regards to how with the increased interest rate the loans monthly payment was well beyond the realm of being affordable, and that I did not feel I qualified for a loan with such a large payment. XXXX stated that we still qualified for the loan and at no point advised us of any options to freeze the loan process. Ultimately a buyer purchased our existing home at full price which obligated me to sell the home and proceed with the purchase of the new home at a payment amount which was not affordable for our family, with the promise of future relief from a refinance in XXXX or XXXX of XXXX, this relief has been unforthcoming. This loan was underwritten and issued by Cross Country Mortgage LLC. In this case both XXXX XXXX XXXX and Cross Country Mortgage exhibited gross financial malfeasance.
Consumer complaint received 2024-10-23
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. (PA)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-06-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 {$8500.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX NATCREADJ XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$870.00} XXXX XXXX  XXXX {$870.00} XXXXXXXX XXXX XXXX XXXX {$820.00} XXXX SXXXX  XXXX {$710.00} XXXX XXXXP XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX, 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 2024-10-24
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. (MA)

My name is XXXX XXXX My adress is XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau : XXXX XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX RE : Last 4 of SSN : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( XX/XX/XXXXXXXX  ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made + by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 1 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 18 I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's 164 office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for willfulw non-compliance.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grow Credit Inc (MD)

I opened a Grow Credit account in 2022 after seeing an advertisement on the internet saying how this app could boost your credit. In rebuilding my credit from filing bankruptcy I always like to try little things that will continue to give me a boost. This service has absolutelty been the worst thing in my life. After reviewing my credit report in preperation for trying to buy a home I noticed I now have 3 negative reports on my credit and the account is still open after asking for it to be closed and for my reporting to be corrected. This app uses the XXXX system to connect your bank acccount and it consistently disconnects. I recall having to reconnect my bank account roughly every month although it was on autopay. I also was told that if your balance is low they will notifiy you a couple days before the payment is to come out. First of all I am specific of the account I connect to apps and I move money around all the time. There was more than enough to cover the payment for this account and if it wasn't it would pull from the account connected for overdraft. As a banking professional thats why they invented OVERDRAFT PROTECTION! These late payments are effecting me in a major way and I am requesting they be removed from each credit bureau using the XXXX system for accuracte reporting which will push out to all the credit bureaus and by pass the normal 30 day waiting periodt if done in another manner outside of this.
Consumer complaint received 2024-10-23
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. (AL)

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.
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX ; XXXX, XXXX ; XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX ; XXXX  XX/XX/2022 ; XXXX  XX/XX/2022.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-23
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)

I have received a notification that my dispute with XXXX will not be resolved possibly until 60 days! Please show me where that is timely, because it is not! In previous reports filed you can clearly see that XXXXXXXX XXXX is stating they are trying to collect a debt from me but is reporting it as charged off on my consumer report. Excuse me but it can not be both. You are either trying to collect a debt or charge off a debt. One of two things are happening, either lies are being told directly to my face or lies are being reported on my consumer report?? I am asking for fair credit reporting and not information that is misleading in plain view. This is all a violation of my rights per FCRA, 611 ( 15 U.S.C. 1681i ). Section 623 ( b ) of the FCRA says you must notify the provider of my dispute, and if any items are inaccurate, misleading, outdated, incomplete, can not be verified or validated is unfair reporting. I kindly ask that you remove this item from my consumer report!
Consumer complaint received 2023-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (PR)

On XX/XX/2023 I received a email response from Zions Debt Holdings LLC, that claimed that I have a collection of {$1100.00} for a alarm system that was setup by a XXXXXXXX XXXX XXXX XXXX sub dealer XXXX  XXXX. This email also included a settlement offer of {$800.00} lump sump payment that If paid by XX/XX/2023, should result in the removal of the derogatory mark from all credit bureaus. In addition, the email also contained an Alarm System Monitoring and Service Agreement, in this agreement the contact information for the person who agreed to the service is present. After reviewing, the documents I concluded that the person on the Service Agreement is not me. I have disputed this collection XXXX times through XXXX XXXX and they have reached a conclusion which I do not agree with. On XX/XX/2023 I made a phone call to Zions Debt Holdings LLC to see how we could solve this issue. I was instructed that in order for the company to remove the report they need to have fraud charges to remove the collection. In conclusion, I have a collection account reported to my credit report that does not belong to me and never has, this is the main reason for my complaint.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.
Consumer complaint received 2024-10-23
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: Experian Information Solutions Inc. (PA)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.