davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I received a copy of my credit report and found the following inaccurate items which are reporting in error : [ account_name, account_number, dispute_instruction ] Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter. 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a a ccount without my written instructions. 

Remove These Accounts : XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX REMOVE THESE INQUIRIES : XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX Send back an updated copy of my credit report to the above address. I also request that you send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-26
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. (CA)

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2024-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom 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 thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

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 to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a 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 complete to my contact information listed. 
My contact information is as follows : Sincerely
Consumer complaint received 2023-08-04
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: JPMORGAN CHASE & CO. (NY)

I recently took a look at my credit report and notice several trade lines that don't belong to me. CHASE and XXXX XXXX. I call in and spoke to a rep. She told me that these accounts are business accounts. I never own business. She also mention that it is company by name XXXX XXXX XXXX XXXX XXXX. I have no business with or know.
Consumer complaint received 2022-11-17
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. (TX)

I have been submitting numerous Dispute letters and CFPB Complaint against the Credit Bureaus and I am submitting this this another CFPB Complaint once more to request to the Credit Bureaus to correct my Credit File from erroneous reporting of information. Under the FCRA, the Credit Bureaus are required to finish their investigation within 30 days and send a copy of proof of verification to the consumer, however, despite my constant submission of dispute letters to the Credit Bureaus, they have failed to provide me the necessary documents. I am submitting this CFPB complaint to remind the Credit Bureaus to once again take a deeper look to my Credit File and correct any misleading information that can be found on my Credit File. I need the following accounts corrected at the earliest possible time : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXT XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-12-22
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. (NY)

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. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : 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 2023-02-02
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX / XXXX has violated my rights.

15 U.S.C 1681 Section 602 A : State I have the right to privacy.

15 U.S.C 1681 Section 604 A. section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-22
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-10
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: CITIBANK, N.A. (FL)

To whom it may concern, On the early mid-night morning of   XXXX   a unauthorized individual type inquiry was performed on my Credit Report by " CBNA, National Credit Cards/ Airlines ''. The inquirer 's address is listed as   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD  XXXX , Phone :   XXXX   XXXX   XXXX   XXXX  . This unauthorized inquiry is affecting my FICO score.
When questioning the representative of the CBNA ( Citibank ) regarding this inquiry, he passed me over to the Credit Cards Dept not before verifying my Citi Credit Card number in my possession. Another rep verified my security code information and then I was placed on hold and later returned with a response that they did not know who did that inquiry. That I should contact   XXXX   and make a dispute. Furthermore, she did not have a clue who CBNA, National Credit Cards/ Airlines was to which I responded : " This is Citibank of North America . They issue cards under other names, Sears, Store Cards etc. '' I again told her that I did not applied for any kind of credit card or anything to trigger a hard-pull inquiry. That I have a 2 credit monitoring systems activated ( Creditwise and My IDcare ) and I was able to see the information of who did it with the address and phone number of the inquiry. I told the representative I was going to immediately close my existing Secured Citi- Card because of this. I 've held this card for 1yr 5 mo. with and excellent payment history.
After hanging up I proceeded to close my account by dialing the number listed on my Citi-Credit Card (   XXXX   ). The account was closed via automated voice prompts from Citi-Cards.
In view of this incident I am requesting that this unauthorized inquiry be investigated and removed form my report. I have tried in good faith to re-establish my credit after a job lost in   XXXX   XXXX   XXXX   during the recession. During that last 5 years and I have been successful in doing so and I have no intentions of smearing my efforts with incidents like these that no one wants to account for. I had a very good solid credit history and I intend to reach my FICO score goal and keep it that way.
Respecfully,  XXXX
Consumer complaint received 2024-04-20
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. (GA)

I am writing to formally dispute the inclusion of a late payment on my credit report, as indicated in your recent communication. Upon reviewing my credit report, I was alarmed to discover an entry suggesting that I made a late payment to XXXX XXXX XXXX XXXX in XX/XX/2021. It is crucial to highlight that the account number varies across my credit reports, constituting a violation of the Fair Credit Reporting Act ( FCRA ). 

I assert unequivocally that I have consistently maintained timely payments on all my accounts, including the aforementioned one. There has been no instance of late payment on this account, and I possess evidence, such as bank statements and payment records, to substantiate this claim. 

The presence of this erroneous late payment entry poses a significant threat to my creditworthiness and financial stability. Hence, immediate investigation and resolution of this issue are imperative to uphold the accuracy and integrity of my credit report, in strict adherence to the Fair Credit Reporting Act. 

Consequently, I demand a thorough review of the information concerning XXXX XXXX XXXX XXXX and prompt rectification of any inaccuracies, specifically the removal of the erroneous late payment entry. Failure to address this matter within 10 days may compel me to pursue legal remedies to redress this violation of my rights under the Fair Credit Reporting Act. 

Your prompt attention to this matter is appreciated. I anticipate a timely resolution and written confirmation of the corrective actions taken.
Consumer complaint received 2023-06-08
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. (CA)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2023-08-21
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. (TX)

XXXX office of Customer Advocat XXXX HAS RECIVIED ( XX/XX/2023 ) MY WRITTEN NOTICE OF OPT OUT. 
HERE IS PROOF. I WOULD LIKE XXXX TO STOP REPORTING ON CREDIT FILE. ASAP
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and i see its not. My information has also been in a breach. This is a defamation of my character and causing XXXX XXXX on me. Identify Theft is not far and the credit reporting agencies can be sued for having damages on my credit report.There are also some addresses, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-10
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

On  XXXX / XXXX /  XXXX   I received a call from a supposed company called "   XXXX   ''. Not only did the lady call my phone, she also called my parents house looking for me. She called my mo, first and told my mom that this coming Friday she was either coming to my residence or my job with " papers '' for me to sign and if I did n't sign them then I would be going to court. After she called my mom, she called my phone and told me that if I did n't call this number  XXXX   XXXX   XXXX   XXXX  that she would be coming to my home or my job. I called the number and mentioned the file number she gave me which was  XXXX  and spoke with a  XXXX .  XXXX  said she worked for   XXXX   XXXX   which was a pre legal service/attorney office. She said she was representing  checksmart  and that I owed  XXXX . I asked them what kind of company this was and she said a legal company representing checksmart. This company called my elderly parents issuing threats against me to " subpeona '' me to court which upset my parents. This is totally wrong and unlawful
Consumer complaint received 2024-05-28
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29
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. (TX)

I am writing to formally request assistance with correcting an error on my credit report related to a late open account. This letter marks my first attempt to resolve this issue through the appropriate channels. I have recently identified a late open account on my credit report that I believe is inaccurately reported. The details of this account do not accurately reflect my credit history, and its presence is negatively impacting my creditworthiness. I trust that you will help me prioritize this matter and take swift action to resolve this dispute and restore the accuracy of my credit report. Please help me correct this account immediately : XXXX XXXX XXXX XXXX Balance : {$XXXX}.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-02-12
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. (TN)

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 : # XXXXXXXX XXXX XXXXXXXX at XXXX : XXXX XXXX XXXX XXXX at XXXX : XXXX XXXX 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 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 2023-08-03
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. (MD)

My XXXX personal loan was paid off last month and not reporting a {$0.00} balance on my current credit reports. My XXXX XXXX was paid off last month and not reporting the correct balance.
Consumer complaint received 2015-07-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I applied in XXXX 2015 for a home loan modification with Nationstar Mortgage. After submitting approximately XXXX applications that were all denied, Nationstar foreclosed on my property on XXXX XXXX, 2015. Each time I applied, Nationstar claimed that I did not meet the debt to income ratio requirement. Throughout the process, I never spoke with a representative that understood the underwriting process nor did I have an opportunity to speak with the person assigned to my case. My case manager changed several times throughout the process. There was no continuity in the process. The calls I placed to Nationstar were repeatedly answered by a different mortgage processor. Therefore, the process kept repeating itself as each processor who reviewed my case reached a different a conclusion about the documents required. There were also instances where processors were unable to locate documents I faxed or scanned to Nationstar. The process was horrific. Having endured a heart wrenching, lengthy process and submitting volumes of documents, in the end Nationstar foreclosed on my property.
Consumer complaint received 2023-12-22
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. (RI)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 The following hard inquiries are unauthorized. XXXX already recgnized these accounts as frivolous and removed them from my report. I need Transunion to follow suit and remove them from my consumer report. 

FCRA section 604 ( provides that XXXX  person shall not use or obtain a consumer report for any purpose unless '' the consumer report " is obtained for a purpose for which the consumer report is authorized to be furnished under ( FCRA section 604 ] '' and " the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. *12 FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.