davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TX)

Nowhere in the consumer law shows where it is okay to transfer or sale my personal information to another company without my written Consent, permission and authorization even when it comes to my student loans. I was on a program with federal student loan where my loan would have been forgiven this year due to my income. They broke a contract an sold my information to another company. 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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: Experian Information Solutions Inc. (AZ)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-14
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. (LA)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dispute the following accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-01-24
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. (UT)

As of XX/XX/XXXX I have have made numerous complaints to Experian about an address that was reported on my credit report that wasn't my address instead of removing they updated my current address and didn't remove the wrong address. Then I made reports about inquires on my credit report and once again they refuse to remove false reporting. As of XX/XX/XXXX I was informed by CFPB that Experian replied to my complaint from last year to inform that I'm a third party. I've sent Experian my Drivers license and also uploaded a copy to CFPB due to Experian telling me they never received my mail. This is Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. These are the fraudulent information Experian refuse to remove XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX I made a complaint to the FTC and XXXX
Consumer complaint received 2024-01-24
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-01-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

XX/XX/XXXX, Carrington Mortgage Services, LLC, purchased my Loan from XXXX While I was In dispute of it being an illegal loan. Before the final papers where supposed to be signed I contacted by phone CMS to not complete the transaction because of the dispute. But, HUD had already allowed XXXX to sell and claim the Insurance. I wrote to The CEO of Carrington explaining that the original Deed covered under the First time Homeowners program had restriction which were ignored in creating my loan, thus making it invalid. Carrington has also ignored these restriction. I am attaching the part of the the deed restrictions as pointed out to me by the director of the XXXX County Housing Authority which overseas the XXXX program. I also had a second mortgage with XXXX and after researching the restriction, released my Lien in full. I am also attaching a copy of the Lien Release. I have asked XXXX to release my Lien and now I am asking Carrington Mortgage Services, LLc to also release my Lien.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NY)

I MADE AN AGREEMENT WITH A CREDIT COMPANY PAID AND CLOSED. AS THE AGREEMENT THE REP STATED THAT THIS ACCOUNT WILL BE LISTED AS PAID, CLOSED AND DELETED WITHIN 30 DAYS. ITS PASSSED THAT TIME, I REACHED THE CREDIT BUREAU TO ADDRESS THE PROBLEM. THEY STATED ALL THE COMPANY HAS TO DO IS WRITE A STATEMENT THAT THEY ARE WILLING TO REMOVE THIS ACCOUNT OR REMOVE IT THEMSELVES. I REACHED OUT TO THE COMPANY AND STATED WHAT WAS SAID, COMPANY REPLY OHHH IT TAKES 7 YEARS. I STATED NO IT DON'T AND NOT WHEN IT WAS AGREED IT WAS GOIN TO BE DELETED AFTER PAID. IM SORRY FOR THAT INFROMATION GIVING TO YOU, NO CAUSE THE CREDIT BUREAU STATED THATS ALL YOU NEED TO DO. I KEPT MY END AND Y'ALL DIDN'T KEEP YOURS
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-01-24
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. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Ive recently reviewed my credit reports and notice in accurate information and accurate name, variations as well as in accurate phone numbers and addresses which I believe led to an accurate credit reporting across-the-board XX/XX/2022. I was a victim of identity theft when someone removed money from my electronic benefit, transfer card From the ATM without even having my card, the car was in my possession the whole time and this was done proximately XXXX miles away from my location.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name:XXXX Account name : #, XXXX, Account name : #, XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 and should be removed from my credit report Below is a list of hard inquiry that I don't know of XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX All Banks XX/XX/XXXX Experian XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Commercial Banks XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX Public Information Top
Consumer complaint received 2024-01-25
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)

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 has violated my rights. Or 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 2024-06-19
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. (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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-01-24
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (GA)

Hello, my name is XXXX XXXX XXXX XXXX XXXX and I noticed this problem on my credit report in XX/XX/year>. Please remove it from my report as soon as possible. I am a victim of Identity Theft and these accounts are not mine. Please help me and please freeze my report if possible.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my deep frustration and concern regarding the numerous unsuccessful attempts and numerous requests to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries persist, causing significant distress and financial harm. 

I first discovered the fraudulent items on my credit report. Since then, I have consistently reported this issue to your agency and provided extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The extended delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

A detailed investigation into the origins and validity of these accounts, which I assert are the result of identity theft. 

Immediate removal of these fraudulent items from my credit report. 

An explanation for the prolonged delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
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)

Unfortunately my dad took out credit cards in my name while I was at school. I still have another year of XXXX XXXX but there are XXXX accounts that are not mine and I have no way of paying these charges he racked up. I have contacted the XXXX major reporting agency as well as the credit card compainies and they are still reporting this to be my debt. Please help. The accounts are as XXXX XXXX XXXX XXXX XXXX XXXX Not one of those charges is mine nor did I sign up or agree to have those cards. Thank you
Consumer complaint received 2024-01-24
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)

15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and Experian can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information.

Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for account XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive recently reviewed my credit reports and notice in accurate information and accurate name, variations as well as in accurate phone numbers and addresses which I believe led to an accurate credit reporting across-the-board XX/XX/2022. I was a victim of identity theft when someone removed money from my electronic benefit, transfer card From the ATM without even having my card, the car was in my possession the whole time and this was done proximately XXXX miles away from my location.