davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Hello, I've been noticing for a few years now that XXXX XXXX XXXX has been reporting incorrect account information to the credit bureaus in regard to an auto loan that was paid off in XXXX. I've placed several disputes with all 3 bureaus and the company trying to get this account updated and accurate on my credit report. This account should be paid in full as it was pronounced totaled in a car accident and my insurance company paid the lender XXXX in full back in XXXX. I recently placed a dispute on XX/XX/XXXX with all 3 bureaus and after receiving confirmation that the investigation was complete, I reviewed my credit reports and saw the company is still reporting inaccurate information. As you can see they are reporting different open dates of the account to all 3 bureaus. The date last reported, the high credit amount, the date last active and the date of the last payment are all different dates being reported to the bureaus. I don't understand how none of these dates and amounts line up if they are investigating the account and getting their information from the same company and source? None of this adds up. This account should not even be open. I've heard so many terrible things about this company. XXXX has a history of reporting things inaccurately. I've reviewed the consent order issued by the CFPB and I am a victim. Please delete this account from my credit reports 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: EQUIFAX, INC. (CA)

This is my third 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XX/XX/XXXX XXXX  late payment was applied to my credit report 15 U.S.C. 1681 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons State rights to consumer privacy
Consumer complaint received 2024-04-02
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (FL)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, Equifax and XXXX 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

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 XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am writing to correct the following information which is incorrect credit bureauhas on file : XXXX XXXX XXXX XXXX XXXX {$32.00} Paid in full. Closed XXXX  XXXX {$4900.00} is incorrect. The correct Balance is {$2000.00}. 
XXXX XXXX XXXX credit is {$0.00} Balance. 
Address : I XXXX XXXX XXXX XXXX, AL XXXX is incorrect. This not my correct Address XXXX XXXX XXXX : {$35000.00}
Consumer complaint received 2024-06-05
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. (TN)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-07
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. (WV)

this is a formal complaint about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. 
XXXX XXXX Balance {$4300.00} XXXX XXXXXXXX Balance {$3700.00} XXXX XXXXXXXX Balance {$11000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance {$25000.00} XXXX XXXX Balance {$4300.00} XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$11000.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3700.00}
Consumer complaint received 2023-12-21
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)

The XXXX own leasing account needs to be adjusted to the correct amount! The business scammed me into signing a lease that they were going to over charge me for from the beginning! I am not asking for the item to be removed but I am needing to balance to be adjusted as this is not right! This is affecting my credit tremendously and needs to be corrected! They are offering to settle the balance for {$800.00} after trying to charge me almost {$4000.00} for a {$1000.00} bed. Please correct the balance for the XXXX own leasing account to {$800.00}.
Consumer complaint received 2022-10-18
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. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-11-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP (CA)

It appears your Insurance evidence department is mistaken on the requirements for flood Insurance as they have not changed since XXXX and XXXX. Please see below information regarding this designation. Only equal to the outstanding principal balance of the loan can be required. Additionally it covers the building only not land as for fixtures or furnishings contained, all have more insurance than the actual contents on each policy as they stand. 
Placing more Insurance value in contents than what is actually in the buildings is over insuring for contents that never could be claimed. 

As the loan principal balance is {$280000.00} The current building coverage at {$1000.00} it is currently insured for XXXX times the principal balance which exceeds the requirements of the loan. 
at this point I have not been given any answers. My Commercial loan statement invoice, has a charge on it which states Replacement XXXX XXXX : {$780.00} which you have told me its for Bldg 1-3 which I have already added {$200000.00} which the total coverage is now : {$500000.00} which is the maximum coverage for anyone policy. 

You have said that addition coverage has been put on for : XXXX XXXX, Additional {$30000.00} Coverage For contents. 
XXXX XXXX, Additional {$32000.00} Coverage For Building. 
XXXX XXXX, Additional {$35000.00} Coverage For Building, and {$30000.00} For contents. 

Who is authorizing This? 
I want answers now. This is Extortion and Illegal. 
SENT TO US BANK ON XXXX It appears your insurance evidence department is mistaken on the requirements for flood insurance as they have not changed XXXX and XXXX. Please see below information regarding this designation. Only equal to the outstanding principal balance of the loan can be required, additionally it covers the building only not land as for fixtures or furnishings contained, all have more insurance than the actual contents on each policy as they stand. Placing more insurance value in contents than what is actually in the buildings is over insuring for contents that never could be claimed. 

As the current loan principal balance is {$280000.00}, The current building coverage at {>= $1,000,000} it is currently insured for XXXX times the principal balance which exceeds the requirements of the loan. 

at this point I have not been given any answers. My Commercial loan statement invoice, Has a charge on it which states Replacement Resv Due : {$780.00} which you have told me its for BLDG 1-3 Which I Have already added {$200000.00} Which the total coverage is now : {$500000.00} which is the maximum coverage for anyone policy. You have said that addition coverage has been put on for : XXXX XXXX, Additional {$30000.00} Coverage for Contents. 
XXXX XXXX  Additional {$32000.00} Coverage For Building. 
XXXX  XXXX, Additional {$35000.00} Coverage for Building, And {$30000.00} For contents. 
Who is authorizing this? 
I want answers now. This is Extortion and Illegal. 
SENT TO US BANK XXXX
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (AL)

I purchased a vehicle from US Auto Sales that was financed through US Auto Finance Servicing in XX/XX/XXXX. The company closed the business leaving all customers including myself scrambling for answers about the statuses of our accounts. I put a down payment of XXXX on the vehicle and made the payments on the contract bi-weekly as promised. The original contract had my name mispelled and I advised them of this the day I signed it and they told me not to worry about it. In XXXX of XXXX I went to make a payment and US Auto Finance Servicing 's number was disconnected and calls were forwarded to a company called Westlake who advised they were just a debt collector and they were collecting payments on US Auto Finance 's behalf. I had not received anything in writing via mail or email so I thought this was some type of scam. Westlake informed me they did not have my correct email address because my name was mispelled and they didn't have my title, or any record of any payments made to US Auto Finance so they were attempting to collect the full amount of the car that was shown back in XX/XX/XXXX that I had already paid on. I have been threatened about my car being repossessed if I don't pay an incorrect amount for the vehicle. Both of these companies are fraudulent.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have carefully reviewed my credit report and identified instances where the payment history does not accurately reflect my financial transactions. Specifically, PAYMENT HISTORY. These inaccuracies are damaging my credit score and hindering my ability to access financial services and favorable interest rates.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (NJ)

Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding a recent issue related to the handling of my account by XXXX XXXX XXXX XXXX As a valued customer, I expect that XXXX would adhere to the highest standards of professionalism, integrity, and compliance with applicable consumer protection laws and regulations. 
The crux of my complaint lies in the unauthorized sale of my debt to a third-party creditor, which has resulted in an unjustified collection account being reported on my credit report. This action not only violates my rights as a consumer but also has a severe negative impact on my financial well-being and creditworthiness. 
I kindly request that you provide me with the purchase agreement, which evidences the lawful transfer of my debt to the aforementioned creditor. It is imperative that you promptly furnish this document to me as part of your obligation to transparency and in compliance with the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] and other applicable consumer protection statutes. 
Furthermore, I urge XXXX to take immediate action to rectify this violation and remove the collection account from my credit report indefinitely. The inaccurate reporting of this collection account not only damages my creditworthiness but also violates the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] and the New Jersey Consumer Fraud Act [ N.J. Stat. Ann. 56:8-1 et seq. ]. 
I would like to emphasize that if this matter is not resolved satisfactorily and promptly, I will have no choice but to escalate my complaint to the New Jersey Department of Banking and XXXX. I trust that XXXX, as a reputable company, is committed to upholding consumer rights and resolving customer concerns efficiently and fairly. 
I kindly request a written response to this complaint within 30 days outlining the steps XXXX intends to take to address this violation and rectify the damage caused to my credit report. Should you require any additional information or documentation to investigate this matter thoroughly, please do not hesitate to contact me. 
Thank you for your prompt attention to this serious matter. I sincerely hope that XXXX will take the necessary actions to rectify this situation promptly and restore my faith in your company 's commitment to customer satisfaction. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AK)

I had a past due amount due to the Retreat at XXXX XXXX XXXX that was transferred to Fair Collections and Out for collection. I have settled this account and paid it off. I was sent a deletion letter and told my credit report and my rental profile would be updated. The account still shows on my credit report and, when my credit profile is checked, the eviction still shows.
Consumer complaint received 2023-12-06
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. (TX)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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.

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.