davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have recently viewed my credit report and it displayed inquiries I am unaware of. 

I called the XXXX reporting agencies and let them know the inquiries for XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX, are not supposed to be visible on my consumer report because I never gave them written permission and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request. 

I called Equifax to let them know the inquiry made on XX/XX/XXXX, by XXXX XXXX XXXX  are not supposed to be visible on my credit report. 
I never gave them written consent to report them and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (LA)

XX/XX/year> RE : Dispute of Collection Account Dear Sir or Madam, I am writing to dispute the following inaccurate information on my credit report : Account Type : Collection Account Creditor Name : Navy Federal Credit Union Account Number : XXXX This collection account is inaccurate because the collection agency, Navy Federal Credit Union has violated my rights under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. Specifically : 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency failed to provide me with the required validation information within five days of my request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute the debt before it was reported to you.

12 CFR 1006.34 ( d ) & 15 U.S.C. 1681s-2 : The collection agency violated my rights by furnishing false information to you without providing the required disclosures.

Due to these violations, I request that you investigate this matter and remove the inaccurate collection account from my credit report. 

Please inform me of the results of your investigation within 15 days of this letter 's receipt. If you require any further information, please do not hesitate to contact me. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-04
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: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX I went to purchase a car and during the negotiation of the car they asked to run my credit, I asked how many times they were going to run my credit which will result in a hard pull on my credit report, they told me that they were going to only do one hard pull on my credit. When I check my credit report I see that I have two credit inquires from ALLY FINANCIAL and ALLY FINANCIAL C/O GMA in which I did not authorize since I was told that the hard pull that they told me about would be for another bank.
Consumer complaint received 2023-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NJ)

I was in a XXXX  partnership with someone at the time of the acquired debt and they received a brand new electronic device in the form of a laptop and I was wondering where she got the money for it. Now Im receiving the debt of the laptop so she went behind my back and stole my personal information too acquire the laptop in the form of an internet loan.
Consumer complaint received 2024-05-03
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: Open Dealer Exchange, LLC (TX)

The companies listed inquiries on my report that I did not authorize please remove these unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-02
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 have asked all three bureaus- XXXX XXXX Experian, and XXXX numerous times and through letters to please do the following : 1. Please delete inaccurate names showing on my credit reports that are not my name. Experian alone showed over 20 different names that are not mine. I have also filed disputes and they are still appearing. 
2. I have asked for inaccurate or old addresses to be removed from all three of my reports- online, via mobile, and in writing. I have filed disputes and they are still appearing on my reports.

3. I have asked for all derogatory information to be verified as mine. None of the information that is showing as derogatory belongs to me.

4. I have filed countless disputes and sent letters regarding all of these inaccuracies to ensure that the information that is showing on each report ACCURATELY DEPICTS MY CORRECT INFORMATION and not the information of someone else.

5. I also located duplicate accounts with late payment histories from XXXX XXXX XXXX XXXX XXXX XXXX that are also not mine. I have never been late on a single payment with any credit card company. 

I have tried so many attempts and would really like some help and assistance to get this right. These inaccuracies have adversely affected me. These inaccuracies have denied me housing and it could deny me future employment or the ability to obtain any future lines of credit should i deem necessary.
Consumer complaint received 2022-11-25
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. (CA)

XXXX XXXX have reported on my credit report that I was late on payments.Being that they never completed a thermal investigation, XXXX, reported that I was late in XXXX up and till XXXX. When I requested for the account to be close numerous times by phone and mail. The requests was made XXXX for XXXX XXXX to close the account. I requested that a final bill/statement be sent to me so I can make prompt payment. No final bill was received to which finger hut reported me late. I have requested all the credit bureaus to investigate this dispute. They have failed to provide any results of the investigations or responses that XXXX XXXX have made to justify them for reporting me late. None of the bureaus fulfilled their duty as required by law.
Consumer complaint received 2024-05-03
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/2023 Account name : XXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXX XXXX XXXX of inquiry : XX/XX/2023 Account name : XXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXX  Date of inquiry : XX/XX/2023
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (NC)

ON XX/XX/2023 I PAID CREDENCE RESOURCE MANAGEMENT THE BALANCE I OWED IN AGREEMENT THAT THE COLLECTION ACCOUNT WOULD BE REMOVED ONCE PROCESSING OF THE PAYMENT WAS COMPLETE IN 3-5 BUSINESS DAYS. AFTER THE PAYMENT HAS POSTED, APPROXIMATELY 2 WEEKS THE TRADELINE WOULD BE REMOVED FROM MY REPORT. AS OF XX/XX/2023, THE ACCOUNT STILL REMAINS ON MY ACCOUNT. I HAVE DISPUTED THE INFORMATION THREE SEPERATE TIMES WITH PROOF OF THE LETTER STATING THE ACCOUNT WOULD BE REMOVED DIRECTLY FROM THE CREDITOR AND THE RECEIPT SHOWING THE AMOUNT PAID BUT XXXX HAS NOT REMOVED IT. THE " SUPERVISOR " I SPOKE WITH ON THIS MATTER FROM CREDENCE WAS EXTREMELY RUDE TO ME EACH TIME I CALLED AND WAS ONLY CONCEREND ABOUT GETTING ME OFF THE PHONE. THIS IS UNACCEPTABLE! XXXX AND CREDENCE RESOURCE MANAGEMENT ARE VERY UNPROFESSIONAL ESTABLISMENTS
Consumer complaint received 2024-06-21
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. (IN)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IN)

I'm incredibly disappointed by how this appears on my credit report. I've never missed a payment, and I work tirelessly day and night. It's deeply unfair to me as you're tarnishing my reputation as a consumer.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

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 XXXX XXXX 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-02
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. (NC)

I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024, NOTIFYING THEM OF THE FRAUDULENT INQUIRIES. I SPOKE WITH REPRESENTATIVES IN THE XXXX XXXX THAT ASSURED ME THIS WOULD BE RESOLVED AND THEY WOULD BE REMOVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681. 

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS
Consumer complaint received 2024-05-02
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. (OH)

According to IRS, an unpaid charge off is income. According to theXX/XX/XXXX income can not be reported on a credit report. I have received a XXXX for the accounts listed XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX After checking a copy of my recent report, it appears these accounts are still being reported. 
These accounts can not be reported on my credit report ( according to law ), not even to mention violation of XXXX XXXX XXXX. I demand these accounts to be removed from my credit report immediately.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

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 2024-05-02
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. (FL)

Experian, XXXX and XXXX failed to provide factual documents about these accounts on my personal account XXXX -Address of XXXX XXXX XXXX XXXX XXXX, NY XXXX Failed to provide factual information about XXXX XXXX account # XXXX -inquiry from XXXX XXXXXXXX when there is no credit card on my file from them Experian -address of XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX FL XXXX -Failed to provide factual information about XXXX account # XXXX -inquiry from XXXXXXXX XXXX XXXX  XX/XX/23 -inquiry from XXXX XX/XX/23
Consumer complaint received 2024-05-02
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. (TX)

To the honorable CFPB regarding the unlawful inaccuracies reporting on my credit reports from all XXXX major credit bureaus Experian, XXXX and XXXX. 
I have tried to call and mail, and dispute online but these XXXX credit bureaus have not provided to me any official documentation that would suggest that these inaccuracies are in fact my own. 

Furthermore, by law there should not be any collections, charge offs late payments, hard inquiries or incorrect addresses on my credit file credit report. Currently those items are showing on my credit report. 

I would like to have these removed from my credit reports in all XXXX credit bureaus please. 

Here are the legal provisions that prove my honest request is valid : XXXX XXXXXX/XX/XXXXXXXX pertains to collections, XXXX XXXXXX/XX/XXXXXXXX addresses charge offs & repossessions, XXXX XX/XX/XXXXXXXX relates to late payments, XXXX XXXX Code XXXX deals with hard inquiries. 

My credit reports have at least XXXX of each of these negative items. Please Grant my request. Thank you.
Consumer complaint received 2024-06-07
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)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-02
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)

In XX/XX/year> I submitted a request to Experian Credit Report Agency requesting that the address of : XXXX XXXX XXXX, XXXX GA XXXX be removed from my credit report as it is linked to fraud. I submitted my ID and proof of residential address. Experian responded that the address is not listed on my credit report. I have attached my current Experian Report which shows the inaccurate address in question.
Consumer complaint received 2024-05-02
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. (NC)

I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/year>, NOTIFYING THEM OF THE FRAUDULENT INQURIES. I SPOKE WITH REPRESENATITIVES IN THE FRAUD DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-02
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. (GA)

XXXX, Experian, XXXX XXXXXXXX continues to report incorrect information about me. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other information that is being reported is not correct and is causing me harm. I have previously sent several disputes and complaints yet neither consumer agency responded this is my final complaint before I initiate litigation for this matter.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

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.