davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/year> RE : XXXX To Who It May Concern : This is my second time writing you to update my personal information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX Please delete all other addresses. I can not receive mail or any correspondences nor do I have access to any of these addresses. Please delete these outdated addresses and update the address with the one stated above. 

XXXX XXXX XXXX a My only phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant of the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am not a federally protected consumer and I have the right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are completed to my contact information listed. My contact information as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( b ) Reasonable Procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel. Insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

The current personal information being furnished is inaccurate, not relevant out dated information. 

15 U.S Code 1681 ( e ) - Compliance procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate this is law. Please make all corrected updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report immediately. 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXX Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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. (UT)

I've made numerous attempts to dispute these fraudulent information and Experian states their Verified and Accurate. these accounts are fraudulent XXXX XXXX XXXX XXXX account : XXXX XXXX account : XXXX XXXX Financial account : XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX account : XXXX Money XXXX XXXX account : XXXX XXXX bankruptcy XXXX XXXX Delete these fraudulent placements. these accounts don't match my current address
Consumer complaint received 2024-05-16
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)

I am writing to express my continued dissatisfaction with the handling of my previous disputes regarding inaccurate entries on my credit file. Despite several attempts to resolve these issues, the erroneous entries remain uncorrected. This persistent inaction is both frustrating and troubling.
Consumer complaint received 2024-05-16
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)

I just ran my credit report for the first time I am a XXXX  XXXX who surved the country for over 20 years, XXXX  Veteran it is very stressful and depressing that I am revieweing my credit report and see that there are unathorized inquiries and accounts that are not mine please assist me in removing this it is sad that I serve the country and someone is using my information for falsey use.. XXXX - XXXX XXXX  XXXX XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies NOT MINE NEVER BEEN MINE - XXXX  XXXX - XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX - XXXX - NOT MINE NEVER BEEN MINE - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies PLEASE REMOVE THIS FROM ACCOUNT FROM MY FILE. 
INQUIRIES XXXX XXXXXX/XX/XXXX I NEVER APPLIED FOR ANY OF THIS. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I am a retired veteran who served the country for over 20 years it is very depressing and stressful that youre report inaaccurate information.. My personal name is also wrong it should only report XXXX XXXX XXXX My residence is XXXX XXXX XXXX XXXX XXXX FL XXXX I have not lived any other place as it was stationed almsot all my life.
Consumer complaint received 2024-02-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (AL)

I attempted to apply for an extension of credit and was discouraged from the transaction, initially, because there were no disclosures as to why my Social Security Account Number is Mandatory. After reluctantly submitting my Social Security Account Number, due to lack of explanation or any other option, I spoke with multiple agents. I spoke with two online advocates, XXXX and XXXX, and one, XXXX, over the phone. Amongst many questions, I requested disclosures of why my Social Security Account is Mandatory and not voluntary including the conspicuous disclosure of by what statutory or other authority such number is solicited and what uses will be made of it since none was provided in the application process. 
I was denied and ultimately dismissed by the online advocate XXXX and XXXX without proper information pertaining to my greivance. The over the phone advocate, XXXX, ultimately denied me such information as well. The act of requiring a Social Security Account Number without proper dusclosure is a violation of 28 CFR 802.23 ; 15 U.S.C 1602 ( l ) ; 12 CFR 1002.7 ( a ). 

Also I was asked a cash downpayment of over {$13000.00} dollars. I asked the onle sales advocate, XXXX if the company usually and customarily arrange downpayments in that ammount to which she responded, " We do not have a customary amount for the down payment as it depends on each customer. '' I then informed her that it was a violation of my consumer rights to demand a downpayment if it is not customary to do so in accordance with 15 U.S.C. 1662 ( 2 ). I asked for an explanation as to why to Policy of the company does not align with Federal Guidelines but i was negligently dismissed. This is False and Misleading Advertisement pursuant to 15 U.S.C. 1662.

Lastly, the finance charge was separate from the downpayment which was a futher violation of Truth in Lending causing further injury to my welfare because the Company is not upholding Federal statute that protects consumers, acting in good faith, from wrongdoing by deceptive practices. I stated to the Advocte XXXX, online and over the phone, that the determination of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. She stated that she did not know the law but would not direct me on how to reach the legal department nor would any of the advocates escalate the call for clarity. 15 U.S.C. 1605 ( a ) Each are serious violations to my consumer rights.
Consumer complaint received 2024-07-08
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. (TX)

I am writing to formally dispute several unauthorized hard inquiries on my credit report, listed below with the dates they were wrongfully conducted. I have been a victim of identity theft, which I have reported to the police and the FTC, and I have the corresponding reports. I believe these unauthorized inquiries are another occurrence of the same theft. 

1. Date : XX/XX/year>, conducted by XXXX XXXX XXXXL. The inquiry is listed under the address XXXX XXXX XXXX XXXX, XXXX XXXX, SD, XXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report. 

2. Date : XX/XX/year> Unauthorized hard inquiry on my credit report conducted by XXXX XXXX XXXX The inquiry is listed under the address XXXX XXXX XXXX, XXXX, PA XXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report. 

3. Date : XX/XX/year> : Unauthorized hard inquiry on my credit report dated XX/XX/year>, conducted by XXXX XXXX The inquiry is listed under the address XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report.
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

I often receive the call from the somebody relating to Wells Fargo. On XX/XX/XXXX, I received a call from same number, XXXX ( XXXX XXXX, IA ). I did not mind if there is any discrepancy, and treat these calls as annoying calls ; however, this time the person called himself/herself XXXX, ' even thought the voice was clearly woman 's. Therefore, I would like to inform this issue to your office. The voice script is as follows : ( XX/XX/2024 at XXXX ) Hi this message is for XXXX XXXX this is XXXX with Wells Fargo home mortgage giving you a call to comfirm recipt of your most recent inquiry _____ _______ we expect to respond by XX/XX/XXXX should you have any questions my number is XXXX thank you .... 

I have received from this number many times and wonder why I need to be called by home mortgage person, even though I do not own anything in this country and beyond.
Consumer complaint received 2024-07-08
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. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Someone ran my credit without my consent or approval on the following dates these are all fraudulent XXXX. XXXX  one XXXXXXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX  XXXX. XXXX XXXX XXXX on XX/XX/year> XXXX. XXXX XXXX XXXX on XX/XX/year>
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XX/XX/2023, tracking number XXXX certified letter 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The cred it bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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 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 XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/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 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX, XXXX. ) in accordance with the fair credit reporting act, public law XXXXXXXX XXXX XXXX XXXX XXXX please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Consumer complaint received 2024-05-17
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. (NY)

I have recently obtained a copy of my consumer credit report from your bureau and wish to contest the accuracy and completeness of certain information therein. This information is adversely affecting my credit report, and I request that you rectify it without delay. 
I trust that a period of 30 days is adequate for your investigation. Following your inquiry, please furnish me with an updated credit report, along with the names, addresses, and phone numbers of the individuals contacted. 

I insist that you immediately cease reporting these accounts as delinquent on my credit report. Failure to adhere to this request may lead to legal action against your agency. 

The disputed information is as follows : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-08-25
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. (WI)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Experian and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Experian and XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-08-24
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. (TX)

I am writing to formally dispute inaccurate information that has been reported on my credit report. I recently obtained a copy of my Equifax credit report and discovered an entry that pertains to an account with XXXX XXXX. I would like to bring to your attention that this account is fraudulent and has been inaccurately reported on my credit profile. 

Upon further investigation, it has come to my attention that XXXX XXXX is not registered with the XXXX XXXX XXXX XXXX XXXX XXXX  or any state entity, which raises concerns about the legitimacy of the reported account. Given this, I am inclined to believe that this account is the result of identity theft or some form of fraudulent activity as I have previously reported. 

I request your immediate assistance in rectifying this situation. 
It is deeply concerning to me that inaccurate information has found its way onto my credit report and was able to go unnoticed for such a period of time, potentially affecting my financial standing. I trust that Equifax and CFPB will handle this matter with the urgency and professionalism it deserves.
Consumer complaint received 2023-09-15
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. (GA)

Yes I've asked for the inaccuracies to be removed from my report I've also uploaded my FTC IDENTITY THEFT REPORT within less than 24 hours the bureau emailed saying the items was verified with out the proof in my declaration with any Information on who they spoke to anything bearing my signature the initial start of the investigation thy are refusing to remove inaccuracies of my credit report that is tarnishing my financial well being and credit worthiness
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.