davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
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. (MS)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-04-02
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. (GA)

REINVESTIGATION REQUEST NOTICE XX/XX/year>. 
XXXX XXXX XXXX HAS COMMITTED IDENTITY FRAUD AS A HIPPA VIOLATION BY ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ) AND SHARED IT WITH SEVERAL 3RD PARTY ENTITIES INCLUDING XXXX, XXXX, AND EXPERIAN. 
NATIONWIDE RECOVERY SERVICE HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 15usc 6801 Protection of Non- Public Information. 15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. XXXX XXXX making me aware that they will disclose my information to a non-affiliated 3rd party. 2. XXXX giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The financial institution giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX XXXX XXXX exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2024-04-02
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. (NY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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. (AZ)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized account that have negatively impacted my creditworthiness. I strongly believe that this account is the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized This account in any way. This account has been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. The following are the specific account in question : XXXX XXXX XXXX XXXXXXXX and U.S. SMALL BUSINESS XXXX  Balance : {$100000.00}. Please remove these accounts immediately.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has been hurting me as I am in the process of buying a home for my family. Please remove this account from my credit report i sent already 1099-C
Consumer complaint received 2023-12-05
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. (TN)

I am a victim of identity theft. I have filed disputes on my credit reports and the disputes are not being processed correctly and the identity theft paperwork is not being attached to my disputes according to the FCRA. I have called and the FTC report I have been filing is not being processed correctly. And I am not getting copies of the verification process
Consumer complaint received 2023-04-25
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)

In accordance with the Fair Crediting Report Act, the account listed below has violated my federally protected rights to privacy and confiendentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX This account has violated my rights.
Consumer complaint received 2023-03-31
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.
Consumer complaint received 2024-04-02
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
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. (VA)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AR)

I previously had a car loan with Ally in my legal name. When I got my new car loan I signed it in the shortened version of my legal name which is also on my drivers license. Ally tries to say Im not the same person. They wont let me use my online account to pay my bill and it says information doesnt match when I try to reset it. When I try to make a new account it says this information already exists. I have spoke to them on several occasions asking for this to be corrected because they do not send me a paper statement so I can not access any information about my account. They have never given me access to my online account nor have they ever mailed me a statement after numerous request. I have to call a number to pay my payment and I am charged {$4.00} every month to pay that way. This has been going on for over a year now.
Consumer complaint received 2023-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. 

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation.
Consumer complaint received 2023-01-29
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account ending in XXXX, 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 an account without my written instructions. 

XXXX XXXX  XXXX granted me a XXXX XX/XX/2021 after a XXXX national declared emergency. I submitted all of my paperwork for a mortgage adjustment and hired VA 's from the XXXX lost my information causing an invalid negative reporting on my credit report. I disputed through all XXXX credit bureaus demanding a reinvestigation and XXXX XXXX stated incorrect information. I submitted loads of documents to prove my case. XXXX removed it then added it back without explanation. This is illegal and fraudulent. Then XXXX XXXX  sold my loan to refrain from pursuing further.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

Nelnet has had since my initial application which was submitted in XXXX, to process my SAVE application. I have received no word other than the status is " pending, '' meanwhile they are charging me as if I was on an IDR, which is significantly more. I was able to scrape enough to pay the inflated amount in early XXXX, but got another bill for XXXX which was expecting the same amount. I logged into my account to see a notification that said Nelnet " required a payment '' from me before they would process my SAVE application. I had made a full payment on IDR at this point. The notification also referred to an email which I never got : " Please refer to the letter or email we recently sent with details about the payment amount ( s ) needed. '' I never received any letter. So I called the line last week, spoke to someone who instructed me to pay XXXX dollars. I asked them why my full payment did not count as a payment to process my SAVE application, and they put me on hold for many minutes, and then told me that it did and that they'd annotated my account. 

I am now logging in today to find myself still being charged for IDR rates, my Nelnet account still waiting for another payment ( which I caved and made today of an additional XXXX dollars ), and the status of the SAVE application completely unchanged. 

I have also NOT been offered administrative forbearance from this servicer for this loan as they process SAVE applications en masse.
Consumer complaint received 2024-04-02
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. (GA)

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. 

and list of Inquiries. 

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 2023-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had an checking plus account with " '' B.O.A " '' Bank Of America. On XX/XX/2023 a check was deposited into my account from a friend as a loan. B.O.A gave me a date for which the funds would be available on XX/XX/2023. But on this date B.O.A said my account will be closed and my balance would be mailed out to me. I've called several times and each time I'm getting a different reason on why I haven't recieved my funds. On XX/XX/2023 I went into the Banks Branch and spoke to a Rep. on this matter and was told that I check was mailed out. Lie is what I have told. I called the again on XX/XX/2023 and another Lie was told to.me.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (CT)

Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.
Consumer complaint received 2023-12-05
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . Or list of inquiries 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 2023-06-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX, first required me to by gap insurance, wheel and tire coverage and extended warranty I order to acquire a lower loan rate. Then in XXXX XXXX XXXX  I had XXXX XXXX called and informed them. I was told that I would not be charged a late pay on my credit reports. To which I found to be a lie. Of course the credit bureaus cover and protect the business to no extent. Ive been advised that the XXXX XXXX XXXX act is being ignored and may need further actions on my part.