davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (MD)

I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Consumer complaint received 2023-04-13
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. (AL)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$2900.00}
Consumer complaint received 2024-06-27
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)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX  Account Number- XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I hope this letter finds you well. I am writing to bring to your attention to the failure of collection agencies to validate & notify of my dispute within the stipulated 30-day period, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) On XX/XX/year>, I sent a dispute letter to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX and XXXX XXXX regarding an alleged debt they claimed I owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This letter was delivered via certified mail, and the return receipt confirms its receipt by XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/year> According to the FCRA, the collection agencies is required to investigate and respond to my dispute within 30 days of receipt. Also notify the bureaus of dispute.However, it has now been 31days since the receipt of my dispute, and I have neither received any validation of the debt nor any response from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Only after disputing with the bureaus on XX/XX/year> XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  started making all kinds of damaging changes to my report without properly validating this debt.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I have verbally disputed with Experian representatives for the past 3 years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about the appearance of a XX/XX/XXXX bankruptcy-chapter XXXX case on my credit report although the case was dismissed right away, like no case being filed. However, on XX/XX/XXXX annual credit report this case still appears with the note as the result of being disputed, and I was instructed to mail in my dispute letter with the bankruptcy court 's dismissal order in order to have it removed in 7 business days ; therefore, I mailed the attached required document to Experian and followed up this morning with XXXX XXXX and her supervisor, XXXX XXXX of Experian Disputing Department, but they told me that once I filed the bankruptcy case either it was active or dismissed, the chapter XXXX bankruptcy still is on file until XX/XX/XXXX ( 7 years ) by laws. I was upset because this was the first time I was verbally disclosed this information as opposed to other Experian agents, and the dismissal bankruptcy case hurt my Credit Score badly. Therefore, I need your help to remove it from my credit report. 
Your consideration is gratefully appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-19
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. (MD)

Despite my persistent efforts, this agency has failed to properly investigate and correct this error. The inaccurate information has had a significant adverse impact on my creditworthiness, leading to negative consequences, such as being denied credit, facing higher interest rates, and unable to secure housing due to this negligence. This matter has been brought to this company 's attention over the past several months. I have sent in over XXXX different letters starting from XX/XX/XXXX up until the present day making this company aware of this inaccurate reporting. I read somewhere that I am entitled to a fair and accurate credit report. Now, I am no lawyer but I have done a little research, and it appears that based on the Fair and Accurate Transactions Act that violations are done when organizations fail to comply with its requirements. In fact, based on what I read, section XXXX explains that violations tend to occur after a consumer bring the inaccuracy to the agency, such as XXXX, Equifax, and XXXX attention but they fail to correct the inaccuracies after receiving a dispute from the actual consumer. Well, this matter has been brought to XXXX attention on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently XX/XX/XXXX Now, once again, I am definitely no lawyer, but I do have common sense. I have sent this agency letter after letter making them aware of this inaccurate reporting. None of the bureaus have the same information. So, how can information be accurate if the same account that is being reported is being reported with different information. Once bureau is reporting an open account while the other is reporting a close account. One bureau is reporting a 120 days late while the other bureau is reporting a collection/charge off for the same account. Does this sound like accurate reporting to you? I am requesting that the following accounts are deleted immediately due to inaccurate reporting and due to the violations that the credit bureaus has participated in by neglecting to correct the information. 

XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
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)

THOSE ACCOUNTS ARE NOT MINE ; I AM A VICTIM OF IDENTITY THEFT Fraudulent Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$640.00} Company or Organization : XXXX XXXX XXXX Date fraud beganXXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$650.00}
Consumer complaint received 2024-06-27
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. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XX/XX/year> XXXX XXXX XXXX, XX/XX/year> XXXXXXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (GA)

On XX/XX/2024 I sent a certified letter to Wakefield and Associates requesting that they provide documents that could prove that the XXXX debt is valid and explained that o have always had XXXX insurance. The documents was received by them on XX/XX/2024. On XX/XX/2024 I spoke with XXXX at Wakefield and Associates who advised that she would have the documents sent out after I advised her that I was selling my home and would not be at my current address for more than 14 days but if she sent it out that day, that I should have it before I vacated, I even requested that they emailed them to me, neither occurred. I still have not received them to this day. On that same day I called their client XXXX XXXX XXXX and did not receive an answer, as a matter of fact the number seemed as if it was ringing to a line that was not manned by any one. On XX/XX/2024, I spoke with someone else at Wakefield and Associates who advised that they are working on having the collection items removed from my credit report but its a slow process, however, since that day I received two notifications from the credit bureaus that these have been proved as verified debts.
Consumer complaint received 2015-12-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar is the servicer of my second mortgage. After my first mortgage was successfully modified by the XXXX XXXX XXXX, I contacted Nationstar to inquire about a 2MP under HAMP. Nationstar informed me that my investor, XXXX ( XXXX ) does not participate in home loan modifications regardless of the federal HAMP guidelines. So I contacted XXXX. XXXX provided me a telephone number to a voicemail system that states " the decision to modify a mortgage loan ins the sole discretion of the servicer, here Nationstar. So I contacted Nationstar again, to make them aware of the XXXX voicemail. Nationstar 's representative asked me to conduct a conference call with himself, myself and XXXX voicemail system so that he could hear it himself. Once he heard the voicemail, Nationstar 's representative told me that Nationstar will conduct an internal investigation into this matter. Nationstar sent me a letter following their investigation stating that the XXXX voicemail was inaccurate and that the decision to modify was the sole discretion of the investor, here XXXX and not theirs. This information confused me. Nationstar is being evasive and not forthcoming with the real reason behind their arbitrary decision not to consider my home loan for modification pursuant to HAMP. I applied for a modification back in XXXX 2015. At one point, Nationstar rejected my payments and credited them back to my bank account. When I contacted Nationstar, they told me that they were rejecting my payments because I was over {$1200.00} behind and that I needed to catch up. Fearing that Nationstar had begun foreclosing, I sold some items and borrowed money to pay them because I 'd like to keep my home. When Nationstar called my home to collect on the late payments, I informed them that I had filed a complaint with the Consumer Financial Protection Bureau. The Nationstar representative then informed me that he will escalate the matter as a " proactive measure since I had filed a complaint. '' He said they will look into the matter. Nationstar still has n't offered to review my application or modify my loan under the HAMP 2MP. Nationstar continues to blame XXXX and XXXX continues to blame Nationstar.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

We have consistently used our Chase credit card for transactions on XXXX, dating back to XXXX XXXX XXXX. Starting in XXXXXXXX XXXX  XXXX, they started charging us a {$10.00} cash advance fee for every single XXXX of these transactions. I was not made aware of these new fees for using Chase cards on XXXX. I saw no updated terms, I saw no email alerts ( and I've search my emails ), and I've never got a warning or alert that I've been charged multiple transaction fees. I don't care as much about my own experience, but I have a feeling there are millions of people doing the same thing and all being charged fees.
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (AL)

After I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile.I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts ' Late payments will be removed. 
XXXX XXXX XXXX Balance : {$310.00}, XXXX XXXX XXXX Balance : {$5700.00}
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-03
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. (SC)

I have requested multiple times the proof thIn the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.e accounts appearing in my report without me knowing.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have applied for car loans within the two-week period through several different companies and several credit checks are showing up as hard credit checks I thought if they were for this same type of credit check light like a truck they are counted as XXXX credit check can you check into this and correct this as soon as possible thank you
Consumer complaint received 2021-10-12
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: EQUIFAX, INC. (IL)

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 2024-06-27
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. (GA)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
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. (HI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX 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 which is being posted to my report. 

Here is the list of items which 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX.