davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HW Holding, Inc (NC)

XXXX XX/XX/XXXX {$550.00} Dispute was filed. 
XXXX XXXX XX/XX/XXXX {$1900.00} no action XXXX XXXX XX/XX/XXXX {$7400.00} Dispute was filed. 
XXXX XXXX ' XX/XX/XXXX {$150.00} Dispute was filed. 
XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX {$710.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX no action. 

In accordance with the fair credit reporting act, these companies have violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 



..
Consumer complaint received 2023-03-12
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: Bread Financial Holdings, Inc. (NJ)

I wrote this company ComenitycapXXXX and asked them to do an investigation and correct their records. This letter was sent out XX/XX/2022. Today is XX/XX/XXXX and there has been no investigation or attempt to correct their records. Enclosed I will show pictures of the letter sent XX/XX/2022 along with a picture of the certified mail receipt. I am also enclosing pictures of my credit report obtained more than 30 days after they received the letter to investigate and validate the debt. You can see the errors across the reports when it comes to the dates of last activity and payment history etc. This has impacted me and changed my life severely. In the letter I stated that if no action was taken in a timely manner that I would be contacting the cfpb and still no validation of the debt after over 5 months. This is a complete violation of the fair credit reporting act and the FDCPA.
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. (SC)

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score. 
7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) **** Personal Information for Experian NAME : XXXX XXXX XXXX The only name I go by is XXXX XXXX please remove any name you have in your system that does not match XXXX XXXX CURRENT ADDRESS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX need you to delete any address in your system that varies from XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX It will ensure the database has accurate information about me.
Consumer complaint received 2024-10-09
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)

Per FCRA as a federal protected consumer I am now opting out of any and all authorizations that I the consumer XXXX have given you written, verbal, unwritten nonverbal per 15 USC 6802. I have been a victim of identity theft affected by Forester breach and and stems into trafficking related synthetic fraud as well. Please see attached proof of the breaches and identity theft. According to FCRA 605 B USC 1681 I am entitled to have these items listed on my credit report attached to the identity fraud deleted in XXXX business days. Thank you CFPB for your help in this matter.
Consumer complaint received 2023-05-23
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. (CA)

Iam a vcitim of identity theft and someone used my information to obtain credit card with XXXX XXXX. I have contacted XXXX XXXX  and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from Experian, XXXX and XXXX. I have contacted these 3 bureaus and summited my fraud affidavit and police report for removal. The account reports as XXXX XXXX  date opened XX/XX/2021 partial account # XXXX as individual and charged off.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AK)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX XXXX XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$160.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX Balance : {$910.00XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX XXXX : {$910.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$490.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXX {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Balance : {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account number : XXXX XXXX : {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account numberXXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc. (AZ)

My new mortgage processor is Valon , Inc. XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My payments are up to date. They have not paid my home insurance premium to XXXX XXXX XXXX & the policy # XXXX is expiring. 
XXXX is my representative at XXXX XXXX XXXX. The agent is XXXX XXXX XXXX. 
XXXX XXXX & myself were told by XXXX on Thursday XX/XX/XXXX  that a check would be sent in XXXX hours. She had gotten that information from a specialist in the insurance department named XXXX. No check has arrived. 
Please help.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

MAILED ATTACHED LETTERS OUT ON XX/XX/year>, PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : 30 : 1 60 : 1 90 : 0, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. 
Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

XX/XX/2023 : I attempted to receive my credit report from Equifax on XXXX 
I was refused access. 

I attempted to receive my credit report directly from Equifax with their my.equifax.com website. 
I was refused access and directed to call their customer support hotline, which was closed to calls at this time. 

XX/XX/2023 : I attempted once more to receive my credit report from my.equifax.com. 
I was refused access and directed again to call online. 

Their customer support hotline was open so I called them as directed, and attempted to resolve whatever issue they claimed I had. 
I was hung up on by an agent without explanation. 

I then tried calling again three more times, being hung up on without reaching an agent, all without explanation or with direction from a machine voice to attempt to resolve my issue online at my.equifax.com, despite my inability to access it. 

I called one more time, this time reaching an agent who claimed that there was absolutely no record of my existence, and that Equifax therefore refused my request for my credit file.
Consumer complaint received 2023-03-12
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. (NV)

On XX/XX/2023 I requested that the late payments being reported on my account be updated. You have disregarded my request. I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : [ # XXXX ] Please provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER Late. If you can not provide proof you will be in violation of FCRA 15 USC 1681e ( b ) and I will reach out to my lawyer and will seek further action per violation.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX, XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 conviction 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 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-01
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: SYNCHRONY FINANCIAL (CA)

15 USC 1681i ( a ) ( 6 ) ( III ) I disputed this unauthorized identity theft account XX/XX/year> and for this reason. Synchrony Bank claim they completed this investigation in two days which was from XX/XX/year> to XX/XX/year>. I am requesting a full description of your procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did Synchrony Bank interview regarding this fraudulent? How did you come to this determination? Proof of a photo identification driving license, identification card, or other government issued cards that was presented at the time this fraudulent account was open. 

SYNCB/MC # XXXX
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MI)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XX/XX/XXXX do not recognize this account, I would like out to be removed TransUnion XXXX XXXX XX/XX/XXXX account is closed would like it to be removed
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

On XX/XX/year>, I mailed in a dispute to remove accounts that are on my credit file due to being a victim of XXXX XXXX Based on the tracking information ( XXXX XXXX ), Equifax received this mail in dispute on XX/XX/year> at XXXX PM. I also filed a dispute online on XX/XX/year> regarding that information that needed to be removed due to my being a XXXX XXXX XXXX. When I called to check the status of the mail in dispute, I was told that they didn't even have my documents. This is now the sixth business day in regards to the mail-in dispute and there is still no update. I called in the morning of XX/XX/year> to get an update on the online dispute with the confirmation number XXXX and I was told that there is no estimated timeframe to get an update. This is now the eighth business day according to the representative. Based on section 605C of the Fair Credit Reporting Act ; " After receiving your submission, the consumer reporting agency has four business days to block the information. 

However, under limited circumstances, the consumer reporting agency has five business days to request additional information from you. '' All timeframes have passed to both block or request additional information and Equifax has refused to do both.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-03-12
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. (NV)

On XX/XX/2023 I requested that the late payments being reported on my account be updated. You have disregarded my request. I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : [ # XXXX ] Please provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER Late. If you can not provide proof you will be in violation of FCRA 15 USC 1681e ( b ) and I will reach out to my lawyer and will seek further action per violation.