davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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. (MN)

I recently noticed that an ex friend used my name and social security to obtain a XXXX  loan. I am listed as who the loan was approved for which is false and I DID not consent. She has apparently been making payments on her own while pretending to be me. I want this resolved and me removed from this loan as soon as possible. Im not sure how to go about fraud and who or where to report.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I left 3 messages for a call back regarding this issue. The company, XXXX XXXX XXXX XXXX, would not return my calls. I didn't have an email address so I sent a Certified Letter requesting the company contact me or delete the item on my credit report. 
They did neither. 
I have attached a copy of my request letter and the proof of Certified mail being sent on my part and received on their part. 
This information is resulting in a denial for a mortgage to purchase a home. I don't know that the claim is correct. The creditor is Capital One and I have loans with Capital One opened much later than the 2006 date XXXX XXXX XXXX claim this debt dates to. 
I look forward to your reply. Thank you, XXXX XXXX
Consumer complaint received 2024-04-09
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)

On the day I first made contact with this agency through certified mail, I notified them that I was a victim of identity theft. To this day, the agency persists in including details in my credit report that are a direct result of this identity theft. Under Section 605B, known as " Block of Information Resulting From Identity Theft, '' it is required of consumer reporting agencies to notify the originators of such information, like banks, that the information may have been compromised due to identity theft, and that an official identity theft report has been lodged. I have supplied the agency with FTC report numbers XXXX, along with a formal request for a block on this information. Upon receiving such notification, Section 623 ( a ) ( 6 ) mandates that the information providers stop reporting any information identified by the consumer as being the result of identity theft. This stoppage must take place no more than 4 business days after the agency is presented with : ( 1 ) sufficient proof of the consumer 's identity ; ( 2 ) the identity theft report ; ( 3 ) identification by the consumer of the disputed data ; and ( 4 ) a statement from the consumer asserting that the information is not related to any transactions made by them.

I have met all of these conditions, and documentation supporting my claim will be included with this complaint. Nonetheless, this agency has failed to comply with the obligation under the FCRA 15 U.S. Code 1681c2 to block the dissemination of the information I have flagged as resulting from identity theft within the prescribed 4 business days after receiving the necessary documents. This neglect is a breach of the law, rendering the agency liable for willful non-compliance. This includes any real damages I have incurred due to this oversight, as per 15 U.S. Code 1681n.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

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 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I submitted a letters to XXXX, Equifax, and XXXX via certified mail to validate a collection account that suddenly appeared on my credit report by XXXX XXXX and have been unsuccessful with getting a human response outlining how they verified the collection account that they placed on my credit report. I understand that for anything to be placed on a consumer 's credit report, that the credit reporting agency by law must follow proper procedures before posting anything on a consumer 's credit report, as well as provide proof that what they are reporting has been properly verified. To date ( XX/XX/23 ) I have not received any evidence from XXXX, Equifax, and XXXX that they have followed such procedures before placing the collection account on my credit report, which is why I am now reaching out to the CFPB for assistance. 

In my validation request sent via certified mail to XXXX, Equifax, and XXXX I asked for the following information concerning the collection account they are reporting : 1 ) The original contract from the original creditor with my wet signature on it.

2 ) The full payment history from the original creditor.

3 ) The proof of debt assignment outlining how and when the alleged debt was obtained by XXXX XXXX and what address XXXX XXXX used to send their notification ( s ) informing me that they are attempting to collect this alleged debt. 

As a consumer, this collection account appearing on my XXXX, Equifax, and XXXX credit report has prohibited my ability to obtain any new credit as well as rendered me unable to obtain a mortgage thus forcing me to pay high monthly rental payments to house my family.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (MT)

Hello! 
I just received my investigation results from Equifax. I am now concerned about how they verified some of my information. I have a few concerns as to how they are conducting their research. Did they talk to my neighbors, friends, family, etc? I was reading the FCRA and noticed Equifax has violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts in the attached letter. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have sent them a letter regarding these issues, and have attached a copy to this complaint : Registered Mail # XXXX XXXX XXXXXXXX XXXX US I am also feeling placated, because when they said they had reinvestigated, nothing has been updated or corrected when it comes to my personal information. So, really, I have never had my previous complaints validated by them, and I am NOT satisfied with their response to me. 

Thank you for being in my corner, and helping me with all this. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CO)

I requested a review of my account after receiving Public Service Loan Forgivness in 2021. I have all of my documentation ready to send in and they will not respond to my email about where to send it. They have an email address to respond to in their base email about my request, but I have sent 3 emails and also spent almost 2 hours on the phone on a wild goose chase trying to call all the lenders for a contact person to send this to.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

Hello, My name is XXXX XXXX and I am a victim of Identity Theft. I did not make any contract with CREDENCE or the original creditor. The original account is a result of identity theft and should be treated as such. The entire collection account is fraudulent due to it being a result of identity theft. Please have CREDENCE seize all types of communications with me and have remove all credit reporting immediately. 

They're damaging my chances of buying a house. Thank you.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (FL)

I NEVER APPLIED FOR ANY CARS LOAN OR LOAN AND THERE KEEP REPORTIN ON THE CREDIT BUREOUS ALL THREE DIFFERENT ONES!!! XXXXXXXX XXXX WHEN I ACTUALLY HAD MY CREDIT FINE SOME SCAMMER OR WHO EVER WAS IT USE MY INFORMATION AND IS EFFECTING MY LIFE PERSONAL
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX my XXXX credit score was XXXX and XX/XX/XXXX XXXX lowered my credit score over 100 points to XXXX without an explanation. I called and wrote XXXX to give me an explanation but was told that they have the right to lower ech time they evaluate my credit report even if no new credit is applied
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (NV)

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 XXXXXXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XXXX XXXX, XX/XX/2023, and XX/XX/2023. 

I reviewed my credit reports, and noticed quite a few inaccuracies. I sent out dispute letters to all 3 credit bureaus, advising of the negative, inaccurate items. I have not received any responses to my request, nor have the bureaus removed the inaccurate items. It is well past the 30 days according to the FCRA that is the amount of time they have to provide a response. Clearly this is a violation.
Consumer complaint received 2024-04-09
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT CONCEPTS, INC. (WA)

They have broken consumer laws from the beginning of the loan. They have broken the law with 25 CFR 11.417 which is extortion I was charged a down payment.

They have broken 18 USC 1348 undisclosed finance charges. Gap insurance was also in my contact as well which breaks law 18 USC 1033 ( B ) They are not legally authorized to sell insurance.

Which is also Identity Fraud according to 18 USC 1028. Additionally they illegally reposted my vehicle which according to that falls under 15 USC 1692 F unfair practices and USC 15 6802.

They also committed identity theft by taking my personal information and giving it to a third party being the repossession company without my knowledge or permission. I am seeking all money paid to them and the auto place I bought the vehicle from plus damaged and this immediately removed from my credit report that has damaged me by being denied credit. I am also requesting the original promissory note as well.
Consumer complaint received 2024-05-21
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: Bread Financial Holdings, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear XXXX  , I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report. This action is a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state laws concerning identity theft and fraud. 

It has come to my attention that XXXX has reported information to my credit report without my explicit consent. Under federal law, as outlined in the FCRA, consumer consent is a mandatory requirement for such reporting activities ( Section 1681b ( a ) ( 2 ) ). 

In addition to federal law, Missouri state law provides protection against unauthorized reporting and identity theft. Missouri Revised Statutes Sections 407.1500 and 570.223 emphasize the need for consumer consent and establish strict penalties for the unauthorized use of personal information. 

I assert unequivocally that I have not provided consent for XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and disregarding both federal and state laws. 

I demand that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within 30 days will be considered willful noncompliance and subject to penalties under applicable laws. 

Obtaining consumer consent is a legal obligation under the specified sections of the FCRA and Missouri state law. This is a demand for compliance with both federal and state regulations to protect consumers like myself from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that XXXX will promptly rectify these violations, respecting my rights under federal and Missouri laws . 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-26
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: EQUIFAX, INC. (IN)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Since last year of 2023 this only account which is not reporting on XXXX, XXXX I've dispute certain information present on my credit report provided by Experian, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( 7 ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( b ) ( c ), and 18 U.S.C. 242. I request a thorough investigation into the discrepancies and the immediate correction of the inaccurate information. 

Upon reviewing my credit report obtained from Experian, I have identified several inaccuracies that are of significant concern. These inaccuracies are not only damaging to my creditworthiness but also constitute violations of federal laws designed to protect consumers ' rights and ensure the accuracy of credit reporting.

Under 15 U.S.C. 1681i ( 7 ), Experian is required to conduct a reasonable reinvestigation of disputed items upon receipt of this dispute letter. Furthermore, the inclusion of inaccurate information, such as [ Dept Of Education XXXX ], violates 15 U.S.C. 1681 ( e ), which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer credit reports. 

Moreover, the inaccuracies on my credit report may also constitute violations of 18 U.S.C. 242, which prohibits deprivation of rights under color of law, as well as 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information. I am enclosing copies of documents that support my claims and aid in the investigation. 
I request that Experian conduct a thorough investigation into these matters as mandated by the FCRA and take the necessary steps to rectify the inaccuracies promptly. Additionally, please provide me with written notification of the results of the investigation and any actions taken as a result. Furthermore, as per federal law, I request an updated copy of my credit report reflecting the corrections made after the completion of the investigation. 

Failure to adhere to the FCRA 's requirements may result in further legal action, including but not limited to pursuing remedies available under the law. 
I expect a swift resolution and the accurate representation of my credit history.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.