davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number XXXX then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX XXXXXXXX has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX i also included my info for awareness
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. FDCPA Section 807 Violation Misleading False Reporting U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these 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 letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently pulled and reviewed my credit report and found unverifiable and inaccurate items that were reported on my credit report. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of buying my first home for my family. 

It is against the Fair Credit Reporting Act to report any information in regards to a credit report that is inaccurate and in violation. 

In accordance with the Fair Credit Reporting Act, all reporting has to be 100 % accurate on my credit report and under 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 ), the listed accounts are in violation for inaccurate reporting. 

Please review all of the documents and remove the accounts that are listed.
Consumer complaint received 2024-04-01
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. (NY)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Your organization is in breach! 
According to 15 U.S.C 1681 section 602 A, it stipulates my entitlement to privacy.

Referring to 15 U.S.C 1681 Section 604 A Section 2, it prohibits a consumer reporting agency from providing an account without my written consent.

Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section specifies that a consumer reporting agency can not include certain adverse information in a consumer report, except for convictions of crimes dating back more than seven years. 
Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits the provision of inaccurate consumer information to any consumer reporting agency, if known or suspected to be inaccurate. 

Listed below are the Accounts that are being challenged XXXX XXXX
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

I am having an ongoing issue with them. For example on XXXX I was charged a fee of XXXX dollars for supposedly having insufficient funds but I transferred the money from my savings to my checking account. This has been an on going issue for years and every time I call them to get answers they always say that the money was not transferred and that the app is different form coming in and making the transfer. Wells Fargo has an extra day grace period and they are still claiming that my money was not transferred in time. XXXX XXXX owes me over XXXX in lates fees because this has been going on for years.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. FDCPA Section 807 Violation Misleading False Reporting U S DEPT OF EDXXXX  Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these 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 letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

Contacted SPS to request information on how to cancel PMI because I am well over the 80 % threshold. I owe {$140000.00} and it is worth {$300000.00} which is 2.07 %. I sent letter to them with the information requested to them on XX/XX/XXXX. SPS responded and acknowledged the letter. SPS sent me a letter on XX/XX/XXXX stating the how to request to remove the PMI. It has been well over sixty days and I do not have an answer, they are charging me {$38.00} per month as I await their response!
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Something's wrong with the experience system and when I try to set up an account online on their website it says that I can set up account and said that I already have an account which I didn't and don't so what I did was I went to forgot password and and it tells me that the information is not in your system which doesn't make sense cuz it just told me that I had an account so I have not been able to get my credit report from Experian but when I go to the free annual credit report I'm able to get my experience credit report from there so I don't know what's the problem and why it's not allow me to get it from their website or allow me to set up an account I also want to update experience records with my new phone number so I attached a phone bill for my XXXX phone bill with my new number and address for verification so they can update that information in my credit profile
Consumer complaint received 2024-04-01
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. (PA)

I pulled up my credit report and noticed some alarming details. Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX from XXXX XXXX XXXX XXXX from XXXX for account XXXX XXXX from account number - XXXX XXXX XXXX XXXX  and account number - XXXX XXXX XXXX XXXX the late payments must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the report.
Consumer complaint received 2024-04-01
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. (TX)

I have sent disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report, which violates federal law under the Fair Credit Reporting Act ( FCRA ). Despite listing the accounts and highlighting the violations to my consumer report, I have not received a response from any of the bureaus within the mandated 30-day period. Copies of all dispute letters are attached for reference.
Consumer complaint received 2023-09-26
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. (FL)

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. 

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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-26
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. (LA)

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.

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 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ThunderRoad Financial, LLC (SC)

I am on Auto Pay. I wanted to increase my amount, ie. Pay more than my monthly payment. I am unable to make that adjustment thru their pay system. Customer Service just kept saying " that's how our system works ''. They said in order for me to pay extra, I would have to call every month and pay by phone.

This is a complete inconvenience and how they force you to pay only the monthly payment, thru the term of the loan, to collect full interest. I should be able to set up Auto Pay for more than my monthly payment. Customer service said they are not even able to do it.
Consumer complaint received 2023-09-26
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)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (MI)

I am not reliable for this debt with XXXX XXXX XXXX XXXX acct # XXXX, I do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as I requested.In accordance with the fair credit reporting act.The list of account has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.I told the Experian to reinvestigate this account however they stated everything was complete and accurate but how is that possible if the open account date, dates of last activity and much more is incorrect to 15usc1681 : ( 5 ) they are supposed to modify accounts that isnt reporting correctly.15usc1681 section 602A.States I have the rights to privacy.15usc1681 section 604A.section 2, it also states a consumer reporting agency can not furnish a account with out my written instructions.15usc1681c. ( 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.15usc1681s-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 accurate also they are not in compliance with metro2 reporting I have evidence to prove my case.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. These accounts have no monthly historical data. I know that under to 15 U.S. Code 1681i Compliance protocol, these must be removed immediately.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-07-16
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. (MS)

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-09-26
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. (PA)

I have been disputing this XXXX XXXX account since XX/XX/2023. I recently received a letter on XX/XX/2023 from XXXX XXXX stating that per their investigation, they have the understanding that the account was not opened by me and that i wasn't being held accountable for the account. The stated that they were contacting the credit bureaus to delete the information off my credit file. The account was deleted by all 3 credit agencies, however it has been placed back on my Equifax report.