davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
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)

Dear Experian, I am writing to formally dispute several accounts listed on my credit report that are currently in collection status. Upon reviewing my credit report, I have identified multiple inaccuracies and incomplete information regarding the following accounts : XXXX  XXXX Credit Card Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Credit Card Account Number : XXXX XXXX XXXX  Credit Card Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX The reason for disputing these accounts is that the information being reported violates the Fair Credit Reporting Act ( FCRA ). Specifically, the reported information is incomplete and inaccurate, which adversely affects my creditworthiness and financial standing. 

15 U.S.C 1681 Section 602 A. State I have rights 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.

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 items 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.

As a result, I am requesting the immediate removal of these accounts from my credit report.

In light of the inaccuracies and incompleteness of the reported information, I expect Experian to conduct a thorough investigation into these disputed accounts and take appropriate action to rectify the errors promptly. I request that you provide me with a written explanation of the findings and confirm the removal of the disputed accounts from my credit report.

I am prepared to exercise my rights under the FCRA and escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's office if necessary.

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit report. 

sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-23
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. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2023, I pulled up my credit report and noticed, that a name and address and a inquiry from a business vendor was reporting on my credit report that does not belong to me. I called and spoke with a fraud specialist, gave him the information, and was told the information would be removed. Experian was reporting : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have never lived in XXXX  not XXXX day in my life. 

They removed the address, and the q from that last name, and also the inquiry but not XXXX.
Consumer complaint received 2024-09-03
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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent in the letter from the debt collector stating they would no longer collect on the debt, and I also sent the validation letter I provided to the debt collector. Each time, the collection comes back as verified instead of being removed. I am very interested to learn how your XXXX ( XXXX ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through XXXX because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, XXXX, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately!
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the many formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (MI)

Navy Federal Credit Union took money from my account. I recently requested Navy Federal Credit Union to turn over the records and they did not provide full records for me to see the actual charges and amounts and the merchants involved. Navy Federal Credit Union clearly can not prove why they withdrew large sums of money from my income tax. I would like to solve this without initiating legal action.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

USAA consistently holds cash transfers into my XXXX accounts for XXXX business days all of a sudden. I have been doing this for years to help build a large savings nest egg but they refuse to tell me why they are holding the funds. Its have been using USAA banking for over XXXX  years with XXXX problems. They refuse to release my deposits now.
Consumer complaint received 2024-04-23
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)

I hope this email finds you well. I am writing to follow up on my previous communications regarding the correction of late open accounts. This marks the many formal attempt to address this matter. 

As previously discussed, there appears to be an error in the opening dates of certain accounts listed on my credit report. Despite my repeated requests, the necessary corrections have not been made, and these inaccuracies continue to affect my credit history negatively. 

I kindly request that you prioritize this issue and take the appropriate steps to rectify the opening dates of the accounts in question. Ensuring the accuracy of my credit report is crucial for maintaining my financial integrity and credibility. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX  XXXX Balance : XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX  XXXX Balance : {$520.00}.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX  XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX USED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-19
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (TX)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (HI)

I recently submitted a dispute to Experian requesting the name of the Data furnished on my credit report regarding a bankruptcy. Experian is violating my privacy per the FCRA, and the privacy act of 1974 and the right to opt out. I did not grant/authorize any third party data furnisher to report to Experian nor any of their affiliates. ( a ) A consumer shall have the right, at any time, to direct a business that sells personal information about the consumer to third parties not to sell the consumers personal information. This right may be referred to as the right to opt-out.

( b ) A business that sells consumers personal information to third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold and that consumers have the right to opt-out of the sale of their personal information. 
Attached is a letter from the Bankruptcy court stating that they do not report to credit bureaus. I demand that Experian correct this matter by updating my credit report with the requested deletion.
Consumer complaint received 2023-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

ALLY FINANCIAL # XXXX is in Violation of 15 USC 1681a 2 ( A ) ( i ) - Exclusions, the term " Consumer Report '' does not include any reporting containing information solely as to TRANSACTIONS OR EXPERIENCES between the CONSUMER and the PERSON ( ALLY FINANCIAL ) making the reports. So reporting LATE PAYMENTS is a TRANSACTIONS AND SHOULD NOT BE REPORTED.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: American Credit Acceptance, LLC (FL)

I have made previous efforts to get this issue resolved with no success. As my last attempt to resolve this matter directly with the company, I hope you can help. On XX/XX/year>, I was coerced by car salesman, XXXX XXXX, using high pressure sales tactics to sign documents regarding a vehicle for a friend to help with her approval odds. I was not made aware that I would be cosigning for joint ownership. I was never given full disclosure behind this auto loan agreement, and it has ruined my credibility that I have worked hard for. 
There are various statements and remarks on my consumer credit report from AMERICAN CREDIT ACCEPTANCE XXXX that reads either CLOSED, PROFIT AND LOSS WRITE OFF, and even OPEN STATUS. There are also different balances listed such as {$18000.00} and {$20000.00}. None of the information reported on my credit reports are completely accurate. Due to the charge-off of said vehicle, you have expressed a non-security interest in the vehicle. I am asking for a CO-SIGNER RELEASE OPTION and PERMANENT DELETION of this item from my consumer credit report. I look forward to your cooperation in resolving this matter. Thank you.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: McNeil & Meyers Asset Management Group, LLC (DE)

All 3 bureaus have placed this account on my credit report without my written consent. This account does not belong to me. I have no knowledge of this account. The account that is showing on my report incorrectly is : XXXX XXXX XXXX Acct # XXXX in the amount of {$2800.00}
Consumer complaint received 2024-04-23
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. (NY)

According to 15 use 1681eb Everything must be XXXX percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-10-27
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
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. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-04-23
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)

I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the XXXX formal attempt to address this critical matter. 

Despite my repeated efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$6200.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX.