davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Strategic Automotive Servicing, LLC (TX)

I OBTAINED AN AUTO LOAN WITH XXXX XXXX  AND WAS TOLD OUR VEHICLE WAS PUT OUT FOR REPO XX/XX/XXXX AT NO POINT IN THE DURATION OF OUR LOAN WERE WE ADVISED THE ACCT WAS OUT FOR REPO. WE HAD PAID CURRENT AND TO OUR KNOWLEDGE ACCT WAS WRONGFULLY REPOSSESSED XX/XX/XXXX AT XXXX AM - WE WERE TOLD BY XXXX XXXX POLICE DEPARTMENT OUR VEHICLE WAS REPOSSESSED AND WE WERE LEFT PUZZLED BECAUSE OUR ACCOUNT IS CURRENT. IT WAS REPOSSESSED BY A CONTRACTED 3RD PARTY THROUGH XXXX XXXX STRATEGIC AUTOMOTIVE SERVICES.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to address serious concerns regarding the inaccuracies present on my credit report, which have recently come to my attention. After conducting a thorough investigation, I have identified unverifiable, invalidated, and questionable items that have not been reported accurately by your agency.

The discrepancies I have discovered have had a significant impact on my mental well-being, causing severe distress and anxiety. As a consumer, I firmly believe in the principles outlined in the Fair Credit Reporting Act ( FCRA ), particularly the requirement that information reported on my credit file must be 100 % accurate.

According to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that these accounts are in violation of the law by failing to report 100 % accurate information. I have attached copies of all letters I have previously sent to your agency, outlining the specific discrepancies and requesting their rectification. 

I understand the importance of maintaining an accurate credit report, and I trust that your agency is committed to upholding the principles set forth by the FCRA. I am writing to request an immediate and thorough investigation into the items in question, with the aim of rectifying the inaccuracies promptly. 

I appreciate your attention to this matter and look forward to a swift resolution. Please consider this letter as a formal dispute under the provisions of the FCRA, and I expect that corrective actions will be taken promptly. 

Thank you for your cooperation in addressing this matter expediently.
Consumer complaint received 2024-04-10
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. (CA)

I recently receive the copy of my recruiter report. And I noticed that some information was not reporting accurately. I Have one late payment on my account that I infact paid on time. The consumer reporting agencies must report all information accurately. I have not missed payments on this account, I've attarched a copy of my credit report to this complaint with the following date of XX/XX/year>. I am now requesting that you investigate and provide verifiable proof with record showing that I had a late payment. If this information can I be verified I demand These payments be updated to paid on time Immediately. Thank you for your time, understanding and prompt action.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-10
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. (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.

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 2024-01-23
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: EQUIFAX, INC. (AL)

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 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-04-27
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)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & are impacting my ability to gain credit. 


XXXX, XXXX. XXXX Date Opened XX/XX/1989 XXXX {$0.00}
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate.
Consumer complaint received 2024-08-04
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. (CA)

I recently reviewed my credit report and noticed than an account that was not reporting accurately. I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies have a duty to report all information with complete accuracy. This account has not been late on payments I have attached a copy of my report to this complaint on the following dates. XX/XX/XXXX, XX/XX/XXXX I am not requesting that an investigation is provided and that the CFPB provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand that these late payments be updated to paid on time immediately. Thank you for your understanding and prompt action in regards to this matter.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX, XXXX XXXX XX/XX/year> XXXX XXXX, XXXX XXXX XX/XX/year>
Consumer complaint received 2024-04-10
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. (NY)

IN ACCORDANCE WITH THE FCRA THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER.
Consumer complaint received 2024-01-19
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. (TX)

First and foremost, I am brand new to the world of credit. I have never owned, acquired or applied for any such credit card, loan or financing under my social security number. Upon creating an account with XXXX XXXX and XXXX, I noticed that I have a total of three hard inquires under my TransUnion Credit Report that are absolutely not mine again, I am new to the world of credit, and I am not sure if there is some sort of identity-theft taking place, or if my account is being mistaken for another. Please help me resolve this issue. My case number is XXXX. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SN SERVICING CORPORATION (FL)

In XX/XX/XXXX, our area was struck by a hurricane. From XXXX to XX/XX/XXXX, our insurance company assessed the damage, which included our roof, garage door, bathroom, windows, and AC insulation. 

In XX/XX/XXXX, we initiated the repair process for our home, focusing on the garage door, bathroom, and XXXX insulation, and successfully completed these repairs. 

By XX/XX/XXXX, we received a check from our insurance company, with instructions from our mortgage provider to endorse it. 

In XX/XX/XXXX, we promptly forwarded the insurance check to our mortgage company as per their request. 

From XXXX to XX/XX/XXXX, we made multiple attempts to obtain the funds from our mortgage company. Despite our continuous efforts to provide the requested documents, the process proved challenging due to delays in acquiring necessary paperwork from various involved parties. Additionally, some repairs, such as those to the bathroom, AC insulation, and garage door, had already been completed, and we were eager to access the funds to cover these expenses. We earnestly seek a resolution to receive the reimbursement for the repairs we have already undertaken.
Consumer complaint received 2024-08-21
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. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Nationstar mortgage acquired my loan in XX/XX/XXXX. They refused to honor the modification that I was in, did I was behind, and were foreclosing, giving me no options to save the home, and not accepting payments. I finally just listed the home for sale the middle of XX/XX/XXXX and found a buyer quickly. My principle balance is {$60000.00}. Nationstar came back with a payoff on XX/XX/XXXX of over {$100000.00}. I called on XX/XX/XXXX to find out why and was told This amount includes a modification fee of {$12000.00} and over {$5000.00} of lender paid expenses. Over {$12000.00} of interest and almost {$10000.00} in escrow fees. I requested an itemized list of charges, which will take a week to repair, and asked to speak with a manager about having the modification fees removed since they never have me a mod. The representative said that I was right they saw no modification on my file and that he would send a note but refused to let me speak to a manager about the issue and said that he had no authority to remove it, that would have to be decided by management. I again asked to speak to someone in management, and was told that it was n't possible. I need at least the {$12000.00} removed, and by my calculations I was over charged for escrow by {$4900.00}, and there are probably more fraudulent charges on there as well that I need investigated, or I will make nothing from the sale of my house, and me and my children will be homeless in ten days when the sale closes.
Consumer complaint received 2024-04-11
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. (TN)

XXXX XXXX XXXX filed on my Experian Credit Report for XXXX dollars. It is a collection agency for XXXX. I have never owned a XXXX account. I have notified XXXX that they have the wrong person & they turned me in anyway on XX/XX/23. Their number is XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to the court reflecting on my credit reports to verify if they report to the credit bureaus. They responded and said no they do not report to any of the XXXX bureaus. I sent the letter the court sent me to XXXX of my credit bureaus and they denied my request to remove the information.
Consumer complaint received 2024-04-11
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)

In accordance with the Fair Credit Reporting act the below listed accounts have 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 a account without my written instructions I would like all these accounts removed from my account, I have no knowledge of these accounts, and I have also contacted the creditors with no explanation nor resolution to the matter. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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. (AZ)

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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing information on my credit report for a few months and I have not gotten any response about my disputes about inaccuracies on my report. This is a violation of my federal rights and demand this gets resolve immediately.
Consumer complaint received 2024-08-04
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: EQUIFAX, 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 2024-01-19
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 2024-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am filing a formal complaint with the Consumer Financial Protection Bureau regarding Experian 's failure to remove unverifiable items from my credit report, as required by the Fair Credit Reporting Act ( FCRA ) Section 609. 
I have been attempting to dispute these items with Experian since XX/XX/2022, and have written over six letters requesting that Experian remove the items from my credit report. However, Experian has failed to take any action and has not provided any evidence to support the accuracy of the disputed items. 
Under FCRA Section 609, consumers have the right to request that credit reporting agencies provide evidence to support the accuracy of the information reported on their credit reports. If the credit reporting agency can not provide such evidence, then the information must be removed from the report. 
Despite my requests, Experian has failed to provide any evidence to support the accuracy of the disputed items. As a result, I believe that Experian is in violation of FCRA Section 609 and is causing significant harm to my creditworthiness.

I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and hold Experian accountable for its failure to comply with FCRA Section 609. Additionally, I request that Experian remove the unverifiable items from my credit report and provide me with a written confirmation of its actions. 

As of today, I filed two fraud reports with Experian and was advised to submit an addition to my reports the report that I am filing with you.

Unfortunately, Im unable to log into my previous account. Therefore, I created this new account today and Im submitting a brand new report.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX