davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (MA)

I tried to refinance my vehicle and was denied, the bank told me I had an unresolved charge off with Lending Club. I contacted them and they said I had to contact who bought the debt and they would update my credit report. I contacted Velocity and they said they can not update my report but will send me a release of claim showing my payment and the account is paid and settled. I sent that to XXXX  for review. They did not update the status of my account to Paid in Settlement, it still shows closed and written off.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2024-03-26
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. (CA)

I am sending this complaint to dispute the presence of fraudulent accounts on my credit report, which have persisted despite previous requests and confirmed documentation of identity theft. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

I request an immediate investigation into these accounts and their removal from my credit report in accordance with legal requirements. Your prompt action in resolving this matter is appreciated.
Consumer complaint received 2023-12-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (FL)

We applied for a refi through wellsfargo because they sent us a special invitation to apply on XX/XX/XXXX. The whole process was extremely slow ( until XX/XX/XXXX ), our loan team wasn't helpful and didn't know what was needed and most importantly the Underwriter took sometimes a week to review our application for one document. We were asked for an extreme amount of documents, underwriting didnt create task about needed documents/clarification for a credit dispute on credit report, everything was against my husband who disclosed is a minority business owner. We were told if we fixed the credit dispute then we would be approved, after we repulled credit 2nd time ( we allowed due to this misinformation and now have a 2nd hard pull affecting our credit for no reason ) then were denied on XX/XX/XXXX because of the credit dispute we fixed, it says late payment but it was the XXXX case that we paid and had on our loan application when we got approved for our inital mortage through wellsfargo last year ( XX/XX/XXXX ) so it wasnt a valid reason ( at first because no one could tell me why we were denied ( no one called or communicated, I found out by logging into my account ) and the denial letter came with that reason even though we fixed it and were supposedly good ). Then they said it was because my husband 's credit score was XXXX and the cut off was XXXX ( I explained that because he is an immagrant he doesn't have as long of a credit history as someone who was born here and due to them taking 3 months to get to this point the first mortgage hard credit pull already affected his credit unfairly ), then they said it was because my husband has legal action being taken against him like foreclosure or repossession but when we asked what account no one could tell us. My husband called all 3 credit bureaus and everyone said there was nothing. He paid for credit reports and there is nothing. When requested the credit report showing this from wellsfargo mortage team, they wouldn't give it to me. Also, they only used this reason after the fact, and when we dispusted the other reasons. There was no task, communication from the loan team or task from underwriting about this legal action until I called several times trying to get a reason for the denial. Our time, and credit were affected due to the actions of wellsfargo loan and Underwriting team. Everything in this process was strange and illogical, especially because we were refinancing our loan for the same loan term ( not extending it ), for the amount we still owed ( not taking equity ) and to pay {$400.00} less a month. They denied us to pay less money when we proved for over a year we could pay our mortage and on time.
Consumer complaint received 2024-03-26
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. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX FI XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This credit reporting agency has furnished my account balances and my utilization percentages on credit reports without my written instruction and authorization. This is a violation of 15 U.S.C 1681b ( a ) ( 2 ). 15 U.S.C. 1681b ( a ) ( 2 ) states that consumer reporting agencies may furnish reports only in accordance with the written instructions of the consumer to whom the report relates. I have not given any credit reporting agencies written instructions to report my credit balances or my credit utilization percentages.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I purchased a XXXX vehicle in XX/XX/2023, financing it through XXXX XXXX XXXX. By XX/XX/2023, I had paid off the loan entirely. On XX/XX/XXXX, I received a Notice of Clearance ( NOC ) from XXXX XXXX XXXX, confirming that there were no longer any liens on my vehicle. Subsequently, I had the lien removed from my title. 

However, despite these actions, my Experian Credit Report still indicates an outstanding balance of {$62.00} on the loan. In contrast, both XXXX and XXXX credit reports accurately reflect the loan as paid off. I have attempted to resolve this discrepancy by contacting both Experian and XXXX XXXX XXXX, but the issue persists.
Consumer complaint received 2023-12-15
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
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: Experian Information Solutions Inc. (AZ)

I am writing to express my deep frustration and disappointment with the ongoing failure to correct late open accounts associated with my account despite many attempts and escalating complaints. Despite my persistent efforts and cooperation, the issue persists, causing significant inconvenience and financial strain. 

The ongoing presence of late open accounts not only undermines my confidence in your organization 's ability to manage accounts efficiently but also reflects poorly on your commitment to addressing customer concerns promptly and effectively. 

In light of the aforementioned circumstances, I insist on the following immediate actions : XXXX a thorough investigation into the late open accounts and identify the root cause of the recurring issue. 
Immediately correct all late open accounts associated with my account and ensure that they are accurately reflected in the account statements. 
Provide a detailed explanation for the persistent delays in resolving the late open accounts and outline steps taken to prevent similar issues from occurring in the future. 
Implement measures to improve the efficiency and accuracy of account management processes to prevent the recurrence of such issues. 
I emphasize the urgency of resolving this matter expediently to restore my faith in your organization and alleviate the financial burden caused by the late open accounts. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
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. (NY)

I demand that the collection agency XXXX XXXX service immediately stop reporting to the credit bureaus on a completely fraudulent debt. I am attaching the FTC report. The company can prove that the debt belongs to me only by the fact that they know my name and date of birth, they do not have any other supporting information, as well as my signature on the contract does not match my signature. I have never lived in Florida.
Consumer complaint received 2023-12-15
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 am writing to express my deep dissatisfaction and frustration with the multiple attempts I have made to rectify and remove fraudulent items from my credit file, all of which have been met with limited success. Despite providing detailed information and supporting documentation, the fraudulent entries persist, adversely affecting my financial well-being and causing undue stress. 
I have diligently followed the procedures outlined in your dispute resolution process on numerous occasions, submitting the required documentation and clearly outlining the inaccuracies. However, my efforts thus far have been in vain, as the fraudulent entries remain on my credit report. 

Despite my multiple attempts to address the fraudulent items, they have not been adequately investigated and resolved, raising serious questions about the effectiveness of your dispute resolution process. 

The persistence of these fraudulent entries continues to have a detrimental impact on my creditworthiness, hindering my ability to access financial products and services on fair terms. 

The lack of clear and timely communication from your bureau regarding the status and resolution of my disputes has further compounded my frustration and dissatisfaction. 

I hereby request the following actions to be taken urgently : I urge you to conduct a comprehensive and expeditious investigation into the fraudulent items on my credit report, considering all the evidence and documentation I have previously provided. 

Upon confirmation of the inaccuracies, I insist on the immediate removal of the fraudulent items from my credit report to mitigate further damage to my financial standing. 

I expect clear and consistent communication from your bureau, providing updates on the progress of the investigation and the steps being taken to resolve the issues. 
I request that your bureau takes proactive measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity and accuracy of credit reporting. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I will have no choice but to escalate this matter to relevant regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit 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
Consumer complaint received 2023-12-15
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. (TX)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
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, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : 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 2024-03-26
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)

My consumer rights are being violated. Under 15 USC 1618b I never gave written consent for these. This is fraudulent behavior. PURSUANT to 15 USC 1681C-1 AND 15 USC 1681C-2 these are to be deleted from my consumer file.

They are also a violation of 15 USC 1681EB for maximum accuracy and 15 USC 1681S-2A1A for reporting willfully inaccurate information,. This is causing defamation of character to my public appearance and I will be taking this to litigation under 15 USC 1681n and 15 USC 1681o see attachments
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (AL)

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. 

Bankruptcy Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602A States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( my full social security Number was shared as well as other info. ) 15 U.S.C 1681S2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX please 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

Im not responsible for 3 credit cards on my credit report because of identity theft. The accounts are XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX I have filed a FTC identity theft report. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Every single hard inquiry on my credit report were open fraudulently. I have absolutely no knowledge of any of them. I went to apply for a loan and was denied because of 16 hard inquiries that I had no clue where they came from.