davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Notice of Dispute : Violation of FCRA Rights - Account # XXXX To Whom It Concerns, I am writing to formally dispute the accuracy of information on my credit report concerning account # XXXX, the Charge-off account from XXXX XXXX. It has come to my attention that you have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a proper investigation into this matter. 

I request the immediate and complete removal of account # XXXX, including all associated late payments, from my credit report. The presence of these items is inaccurate and negatively impacting my financial standing. 

As a consumer, I want to remind you of the following rights that protect me under the FCRA : 1. The right to have inaccuracies on my credit report thoroughly investigated and corrected. 
2. The right to obtain a free copy of my credit report once every 12 months from each credit bureau. 
3. The right to dispute any erroneous information with the credit bureaus and have them conduct a fair and prompt investigation. 
4. The right to be informed about the sources of information that contribute to my credit report. 

I expect a swift resolution of this matter in accordance with the law. Please provide written confirmation once the investigation is concluded, and the disputed items are removed from my credit report. 

Thank you for your prompt attention to this dispute. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-11
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. (CA)

Have leased XXXX vehicles through XXXX XXXX. Flawless payment history until the end of each lease when trading vehicle in for new lease. Both times vehicle was turned in, there were issues with the bank and dealership and payments reported as late. Have tried resolving these issues on multiple occasions. XXXX XXXX XXXX XXXX just says to dispute them on credit report. I have disputed them and no change. 

They stated there was a charge off of {$300.00}? Its always at the end of the lease with no other issues during. XXXX XXXX is the only negative remarks on my credit report during my entire life. I have had multiple other vehicles financed and have never missed a payment. Will not be renewing this current lease with XXXX and will never by a XXXX vehicle again. 

While looking into this, I found multiple other people suffering from the same issue with XXXX XXXX. It seems to be a common issue, and I caution anyone to lease a vehicle from XXXX.
Consumer complaint received 2018-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc. (NC)

This creditor is reporting a negative debt against my credit report and has refused to debt it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, this company is in violation of two different  consumer credit rights.
Consumer complaint received 2024-05-12
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. (MS)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-05-14
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. (NJ)

I have requested Equifax to re-investigate a dispute pursuant to Bankruptcy : XXXX XXXX XXXX XXXX ( Reference Numbers : XXXX and XXXX ) with the reason for Dispute : My federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX section XXXX A and my right to privacy and XXXX U.S.C. XXXX Section XXXX A Section XXXX regarding a consumer reporting agency can not furnish an account without my written instructions. The response in Request Confirmation Number XXXX on XX/XX/XXXX was that it was VERIFIED BY XXXX XXXX. PRIOR to disputing this item with Equifax, I had requested a security freeze and request to cease and desist sharing of my personally identifiable information to not be shared as I have not given written consent for this to be shared with any credit reporting agencies. The security freeze for XXXX XXXX has been in place since XX/XX/XXXX and the XXXX XXXX suppression of information has been in place since XX/XX/XXXX. Equifax had NOT done a proper reinvestigation of the disputed items and as such, I filing this complaint to have these items REMOVED from my Equifax credit report pursuant to My federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX section XXXX A and my right to privacy and XXXX U.S.C. XXXX Section XXXX A Section XXXX regarding a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-23
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: Experian Information Solutions Inc. (TX)

It should come naturally to understand the importance of an accurate credit report in one 's financial life. Finding errors in the credit report that conflict with one 's own financial records has therefore caused some concern. 

As a result, a request is made to correct these errors and update the credit record. A business such as yours is supposed to maintain strict standards of accuracy, and the records ought to accurately reflect your spending and saving patterns. 
I would appreciate a prompt response to this matter. It is hoped that quick action will be taken to correct these errors, considering the possible consequences. 

It is impossible to overstate how crucial accurate credit reporting is. Finding inaccuracies in the credit report is concerning because it is a crucial component of financial security. It raises questions regarding the stability of your services and your financial situation. The initial trust in your organization can be restored with a speedy resolution to this matter. 

We anticipate that this issue will receive prompt attention. In addition to being highly anticipated, a timely answer is also regarded as vitally important. You can rebuild confidence in your services and reinforce the legitimacy of your company by taking quick action to resolve this issue.
Consumer complaint received 2024-05-11
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. (IL)

XXXX XXXX stated I had XXXX  day late payment but the money came out of my account on XX/XX/2024 in the amount of {$420.00} my due date is the XXXX of every month. I have proven transactions statement from bank to prove this amount was taken out of my account from XXXX XXXX.
Consumer complaint received 2024-05-12
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. (CA)

This CFPB complaint has been filed pursuant to FCRA 605 ( b ). That you the consumer reporting agency shall block the furnishing off all information resulting from identity theft. All these accounts and hard inquires listed on my consumer report are all fraudulent and were not initiated by me. There are 2 accounts that are fraudulent these accounts are the XXXX XXXX Dealership tradeline for an Auto Loan and A collection account by XXXX XXXX XXXX XXXX. There are 3 fraudulent inquires as well that were initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NC)

I hope this message finds you well. I am reaching out regarding my credit file. After contacting XXXX XXXXXXXX about the account on my credit report, it's clear they can not provide records for the mentioned accounts ( XXXX XXXXXXXX XXXX ). However, both companies acknowledged the situation and agreed to update my credit file.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX I filed a dispute with Wells Fargo Bank stating that a transaction was not as described and they said they would look into it and it would take 10 days. On XX/XX/XXXX I was awarded a provisional credit of XXXX which was the amount I was disputing. 10 days passed by and I received no communication from Wells Fargo by mail or email so I assumed the case was closed and dealt with. Today XX/XX/XXXX I received in the mail a document that stated my transaction was not in error and the provisional claim would be deducted XX/XX/XXXX. I was confused because Wells Fargo stated they would follow up in 10 days and went radio silent for over XXXX months. The transaction was authorized by me, but the service was not as described and the place I made the transaction was being difficult when dealing with a refund so I followed up with Wells Fargo hoping they would be helpful about the situation and instead did absolutely nothing but give me a credit not speak to me for months and then randomly decide to take the money back with no explanation about why they went silent. This worries me because I am disputing a current charge as well that is a much larger amount and that service that I paid for almost caused physical danger to me so I do not want a notice coming in the mail months from now again trying to take the money back from me after radio silence.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Someone stole my personal information and open fraudulent accounts, which also led to me acquiring un-authorized credit inquiries on my consumer reports. 

To make things worse, XXXX and Equifax duplicated some of the fraudulent accounts and reported some more than ones ( under different names, account numbers and varying balances ). In other words, instead of having one negative account reporting I would have two or in another instance three of the same account... all reporting negatively! It has been over 3 months of trying to resolve this identity theft/error reporting with XXXX and Equifax, but all to no avail. 

I have even sent them letters from collection agencies stating that they have " terminated all collection actions on those fraudulent accounts after their investigations, '' yet, XXXX and Equifax refuses to remove them off my consumer report. 

Additionally, a debt collector by name XXXX XXXX XXXX ( XXXX ) who is furnishing one of the fraudulent accounts refuses to honor/accept my FTC fraud affidavit report and has insisted on demanding that I provide them with a " police report '', which according them is " the only way they will investigate and/or remove it off my credit report ... because FTC report doesn't mean anything to them ... anybody can make a claim using FTC and they respect nor accept it ... we refuse to accept it until you provide us with a police report ''
Consumer complaint received 2024-05-14
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. (NJ)

Upon reviewing my Equifax credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt=out of my personal information being reported.I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29
Consumer complaint received 2024-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Dispute Regarding the Reporting of My XXXX XXXX Account Dear Consumer Financial Protection Bureau, I hope this communication finds you well. I am writing to inform you of a discrepancy that I have been experiencing with XXXX regarding the reporting of my XXXX XXXX account. Despite my communication to both XXXX and the respective reporting agencies, XXXX XXXX XXXX XXXX, TransUnion, XXXX, and XXXX, that I do not authorize the reporting of payments on my account, my concerns have yet to be addressed appropriately. 

According to 15 USC 666, a statute that establishes general provisions relating to powers and duties of banks and banking institutions, I am protected against any unauthorized reporting of my account. The situation also falls under 16 CFR 313, the Privacy of Consumer Financial Information rule. This rule, particularly 16 CFR 313.7, regulates the conditions under which a financial institution may disclose nonpublic personal information about a consumer to nonaffiliated third parties, which I believe has been violated in this case.

In relation to 15 USC 6802 and 15 USC 6801, which outline the obligations relating to the disclosure of nonpublic personal information, I reiterate that I have fulfilled my obligations and discharged the balance for the card. Consequently, I request for the reporting to reflect that my account has been paid off.

As per the Fair Credit Reporting Act ( FCRA ) and 15 USC 1692, a law that seeks to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, I am protected from inaccurate reporting. I therefore urge you to assist in rectifying the inaccuracies in the reporting of my account.

Finally, I would like to draw your attention to 15 USC 1681, which forms a part of the Fair Credit Reporting Act. This statute underscores the importance of the accuracy and privacy of information and protects consumers from the perils of inaccurate information. 

I am confident that this matter will be handled judiciously and I look forward to the resolution of this matter. I would like to express my gratitude to the Consumer Financial Protection Bureau for its assistance in ensuring that my account is updated accurately and in good faith. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX ; XXXX XXXX
Consumer complaint received 2024-05-31
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: Maximus Federal Services, Inc. (CO)

I am working on purchasing my first home and have been checking my credit reports with all 3 main credit bureaus. XXXX is the standout for having a large amount of incorrect personal information and despite disputing these errors, I am receiving " notifications '' from XXXX that my disputes have been updated as being correct, yet they have not removed any of the errors. The biggest issue is my student loans are no longer serviced by Aidvantage, as they have been transferred to XXXX. These Aidvantage student loans are appearing alongside the same exact student loans serviced by XXXX on my credit report- making it appear that I have open student loan debt through both servicers. This doubles the amount of student loan debt that I appear to have, and this is affecting my debt to credit ratio, my credit score, and my ability to get a mortgage loan. I have attempted to dispute with XXXX and have sent them proof of the loan transfer that was provided to me by XXXX on XX/XX/year>. However, XXXX has been unresponsive, and has failed to correct these duplications. This is a clear violation of the Fair Credit Reporting Act and is negligent behavior. 
I have also reached out to Aidvantage to request that they report the transfer of my loans to XXXX, however, to my knowledge this has not been completed either.
Consumer complaint received 2024-05-14
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.