davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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. (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. 

I contacted Equifax, XXXX and XXXX to investigate my accounts. It has been over 30 days and this is a huge violation. They are already getting investigated by congress for situations like this According to USC n1681, investigations have to be completed by the credit bureaus in 30 days! 
XXXX : XXXX, XXXX XXXX XXXX XXXX Dept of ed XXXX and Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX : Account # XXXX They didnt even record the current status of the dispute which is another violation! I have listed my account numbers above. 

Just to remind you all of some laws 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.

All my accounts across the credit bureaus should be exactly the same. The dates, open, closed, none of these should be different. They have failed like they always do to verify this info.

Please see attachments below All 3 of them lied about the validations
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I've dispute with experian multiple times about removing two address from my credit profile. According to the fair credit reporting act delete the following addresses immediately for violating 15 USC 1681EB. XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (FL)

I refinanced my car loan in early XXXX. The next loan payment to Westlake Financial was due XX/XX/XXXX and because I was not sure if the company would receive my payoff in time I also made a loan payment in the amount of {$330.00}. On XX/XX/XXXX the loan company received the payoff in the amount of {$9900.00} resulting in an excess payment of {$57.00}. I called the company on XX/XX/XXXX to discuss the overpayment and was told I would receive an email in 21 days. I called back in 21 day and was told it would be 21 business day. From XX/XX/XXXX through today I have called requesting information on my payoff and keep being told they are sending an email to find the status. Today I talked to a supervisor and was told my loan was in a " do not refund '' status and they will need to send another email to find out why.
Consumer complaint received 2023-11-03
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : several incorrect addresses and names
Consumer complaint received 2023-11-03
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. (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INACCURATE ADDRESS, I HAVE NEVER LIVED AT THIS ADDRESS. 
XXXX XXXX XXXX XXXX, CA XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX XXXX XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXX XXXX OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, ( Your Name )
Consumer complaint received 2023-11-03
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiry mentioned below was the source of the credit inquiry. However, I did not authorize this investigation. As these query is negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-11-03
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (CA)

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than XXXX  days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2023-11-03
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. (TX)

I XXXX XXXX XXXX , is a victim of Identity theft. These companies ( XXXX, Experian, and XXXX ) utilized /furnished my consumer report without my authorized consent, or written instruction. My personal information was shared, presented and furnihed without my consent. Congress has stated that consumers have the right to privacy. These companies listed above, has violated my federal protected right to privacy. Failure to meet the needs of congress has had a negative impact. The companies listed has not exercised their responsibility to confidentially protect my personal information. The Fair credit Reporting Act was generated to enforce that the consumer reporting agencies provided fairness, and respect to the consumers right to privacy! 
Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, Identity, and statement
Consumer complaint received 2023-11-03
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. (MO)

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my financial standing, and I am seeking your immediate assistance to address and rectify this matter. 

I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. These fraudulent entries are causing significant damage to my creditworthiness and are a result of identity theft or unauthorized actions. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, hindering my access to financial opportunities. 

I kindly request that you take the following actions to address this issue : Conduct a thorough review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature.

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report.

Provide me with written confirmation once these fraudulent items have been removed from my credit file.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand the seriousness of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit file and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$73.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$340.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance Owed : {$170.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-09
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)

Recently I got onto the Equifax website when I heard about the Equifax information breach and entered my name to find out I was affected which explains all of the errors that are on my report at the moment and the absolutely absurd amount of hard pulls that are on my account that I've been trying multiple times to get corrected with all three companies. This is completely destroying my credit but in this complaint I will list the hard pulls that are not mine that I need to have removed immediately upon receiving this information as I am literally in the middle of trying to get into an apartment and I was just turned down for one and no fault of my own. I have multiple issues on my credit report right now and it's probably taking it down about XXXX points so I need to get this fixed ASAP. I will provide the information I received from Equifax proving I had my identity stolen from their site and I will list off the hard pulls that are 100 % not mine I never approved them I never asked for them but they are on my credit report. 

Hard pulls to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Now that's got to be a red flag number of hardpulls. What I get from that info with some hitting 2 times in the same day for the same company Is somebody was trying to purchase a vehicle with my information. I can not believe you guys let our information get out like that. I have so much more that's wrong with my account but this really makes me nervous seeing this as I'm listing them out I'm just realizing what this actually means. I will follow with another complaint to list out other things that I've been trying to get off my report that you guys have been refusing to even look into and just reject immediately for whatever reason. Even though the entire time it's not been mine as I've said it each time. Please remove these immediately upon receiving this information as it is incorrect and I do not need nor deserve this on my credit report I have not earned this to be on my credit report.
Consumer complaint received 2024-05-29
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. (CA)

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. 

XXXX XXXX : XXXX, has violated my rights. 

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

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 2023-11-02
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. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act