davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
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)

Credit beraus have in my credit report acount, information of my XXXX  brother. They are confusing me with him and are putting all this debts, auto loan, collectors and child support that do not belong to me. I open disputes and what they only fixed was my name and social security number and adress. But they just updated my personal information and did not changed the other inaccurate information. They closed the disputes saying that my account information was accurate. I been trying to dispute their decisions back again and they are just supposedly reinvestigating. One of the accounts have been closed because it was paid off by its owner so I cant reopen a dispute for it. So its basically staying in my credit report record and its affecting it. Im trying to finance a truck and I cant due to this error. Its showing financial institutions that i have a bad credit and debts when i do not and my credit is incorrect. I personally dont have any debts i just finish paying my truck with no late payments. I also sended a letter with copies and proof of identity of my social security, Id and birth certificate and i havent received an answer or a solution. I want them to double check on the information and for them to make sure on the name and social security number of the accounts. See my proof of identity to know that im not the owner of this accounts. Delete all inaccurate information, debts, collectors, auto loan, child support that do not belong to me. Fix my Credit report and score as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all this things that are showing on my report belong to my XXXX brother and are not mine. I want them deleted from my credit report as soon as possible. Only accounts that do belong to me are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

I purchased my vehicle on XX/XX/2021 at XXXX XXXX in XXXX, WI. And when they were filling out the papers, they told me that they included many things in the warranty that were free and I told them that I didn't want them, that I only wanted the XXXX in case of an accident, but they continued and included things that I didn't want. XXXX weeks later I went to have them removed and they did not agree and I also called XXXX and they told me that even if I removed them the payment would remain the same. I considered it to be a scam. But until I saw about this lawsuit I thought that no one could help me.
Consumer complaint received 2024-05-25
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. (KS)

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 inructions.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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-23
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. (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 XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-28
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. (PA)

In accordance with the Fair Credit Reporting act XXXX BANK 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 The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint against Experian regarding their alleged violation of the Fair Credit Reporting Act ( FCRA ). On [ XX/XX/XXXX ], I discovered that my credit file with Experian had been tampered with in a manner that negatively impacted my creditworthiness. The specific issues I encountered are as follows : Deletion of Current Address : Experian removed my current and accurate address from my credit report, making it impossible for creditors to verify my identity and residence. This deletion directly contravenes Section 1681e of the FCRA, which requires consumer reporting agencies to maintain accurate and complete consumer information. 

Addition of Inaccurate Address : Experian added an address to my credit file that I neither live at nor associate with. This unauthorized inclusion of an erroneous address is in violation of Section 1681e of the FCRA, which mandates the reporting of accurate and relevant information. 

As a result of these erroneous changes to my credit report, I applied for credit and was denied based on the discrepancy between my true address and the fabricated one. I contacted Experian to rectify this situation by requesting the removal of the inaccurate address and the reinstatement of my correct address, which should be reflected on my credit report. However, Experian informed me that XXXX XXXX had instructed them to remove my correct address.

I believe that Experian 's actions not only damaged my creditworthiness but also violated the following provisions of the FCRA : Section 1681i ( a ) - Requirement to promptly investigate consumer disputes. 
Section 1681s-2 ( b ) - Duties of furnishers of information to consumer reporting agencies.

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action against Experian for their failure to comply with the FCRA. I also urge you to ensure that my credit file is promptly corrected to reflect my accurate and current address.

Enclosed with this complaint, please find copies of my credit report, correspondence with Experian, and any other relevant documents to support my case.

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution.

Sincerely,
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. (TX)

I sent certified mail, A request to remove account, it was a removal letter and a FTC report a copy of my driver license and ssn card for XXXX account XXXX XXXX balance : {$0.00} Date Opened : XX/XX/year>. I disputed the same account with XXXX and XXXX they fixed the problem. I believe TransUnion and XXXX are acting in bad faith, and have not complied with the Fair Credit Reporting Act.They using my name a address i do not never live there date of birth XXXX socical number as proof. I have maintained careful records of their actions.
Consumer complaint received 2023-11-02
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-11-02
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. (NY)

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 

Furthermore, I suspect a violation of my XXXX Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the XXXX Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (AL)

I have a collection on my XXXX credit report that appeared in XX/XX/XXXX on XXXX XXXX. The collection is from Credence Resource Management. The original creditor was XXXX XXXX. The amount is for {$460.00}, and it says the account was opened on XX/XX/XXXX. I have no knowledge of this account. I am very careful about paying my bills when I do owe something. I never got a letter in the mail, an e-mail, or a phone call about this debt. This is a violation of the FDCPA. I disputed this with XXXX, and XXXX will not remove this collection. I have not contacted this company because I do not trust scam artists, and I am unsure what to say to them that would do me any good. I know for a fact that they can not prove this debt is mine, because it isn't. My maiden name is XXXX XXXX XXXX. I got married in XX/XX/XXXX, and my name is now XXXX XXXX XXXX. I don't know which name this company has me filed under.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX
Consumer complaint received 2024-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OR)

I hope you will help with my Navient School Misconduct Application. I emailed Navient to request the application at advocate @ XXXX on XX/XX/XXXX. Navient supplied the application to me XXXX  days later via their portal online on XX/XX/XXXX. On XX/XX/XXXX Navient notified me via email that XXXX would now be servicing my loans. I immediately completed the Navient School Misconduct Application and submitted it via email to them on XX/XX/XXXX. 

It seems suspicious that I requested the School Misconduct Application from Navient and a few days later they informed me via email that XXXX would be my new servicer in XXXX  days. Then the application required XXXX  days. It would seem Navient is attempting to transfer my loans to another servicer to avoid discharging them before they have to respond to my application. 

They would not accept the application via email but required it be faxed or mailed causing delays with their 'acceptance ' of my application. 

Then the fax took additional time. Finally, on XX/XX/XXXX & again on XX/XX/XXXX they acknowledged they received it. 

It has now been XXXX days since I submitted my application on XX/XX/XXXX. 

Thank you again for all you do.
Consumer complaint received 2023-11-02
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. (OR)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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 Account Name : Bankruptcy -U.S. Bankruptcy, Court Reference # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. 

Thanks
Consumer complaint received 2023-10-20
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 the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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

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

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

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

XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX has violated my rights. 

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

Wrong Addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

Under the Fair credit reporting act section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. On this day of XX/XX/23 XXXX XXXX XXXX  has violated the Fair credit reporting act.
Consumer complaint received 2024-09-23
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. (VA)

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  Account number XXXX XXXX XXXX XXXX Account number xxxxxx XXXX XXXX XXXX Account number xxxxx XXXX XXXX XXXX XXXX Account number xxxxxx 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 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 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

I have been trying to renew my income based payment plan and switch to the SAVE plan on the aidvantage.com site since XXXX. I have spoken to their customer service and my application is still in limbo.
Consumer complaint received 2023-11-02
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)

EXPERIAN, XXXX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. TXU ENERGYhas violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation