davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
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: General Motors Financial Company, Inc. (LA)

On XX/XX/2023 I went to a car dealership XXXX, la to purchase a vehicle, I was unaware that after me being declined by the first bank, This dealership would continue to shop my credit information around to other lenders without my knowledge and after I had left their place of business. The result of the auto dealer practices has caused unnecessary burden on my personal and business finances, I walked into the dealership with a XXXX credit credit score and discovered a week later my credit score had dropped to XXXX.
Consumer complaint received 2024-04-27
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. (OH)

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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). Collections are illegal per 15 U.S. Code 1681c ( a ) ( 4 ). I did not give you permission to report on my consumer report. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any information to my consumer report. This highlighted entry must be deleted per 15 USC 1681c ( 4 ). I demand that this account be removed.
Consumer complaint received 2023-12-18
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. (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 2023-04-21
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 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 or 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 2024-05-28
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. (ID)

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act XXXX FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Account XXXX XX/XX/year>. 15. U.S.C 1681 section 602 A. States I have the right to privacy. 15.US.C. 1681 604 states a consumer reporting agency can not furnish a account with my written consent.
Consumer complaint received 2023-12-18
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Kindly remove this account as it doesn't belong to me, and I'm distressed to find it on my credit report. I'm disappointed with the company for putting me through this, and I urgently request the removal of this entry from my credit report. It's definitely not my account!
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-18
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. (IA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

Re : Dispute of Late Payment on Credit Report Dear Credit Bureau I am writing to dispute late payments reported on my Experian credit report. According to my records and to the best of my knowledge, I believe this late payment reporting is inaccurate and requests a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under Section 611 of the FCRA, I am entitled to dispute any incomplete or inaccurate information in my credit report and request that it be corrected or removed if it can not be verified. 

The specifics of my dispute are as follows : Account Name : XXXX XXXX  XXXX Account Number : XXXX Disputed Entry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I believe this late payment is a mistake because payment was made on time, there was an error in the creditor 's system. 

In accordance with the FCRA, I kindly request that you investigate this matter with the creditor and provide me with the following : Verification of the late payment, including the date and amount. 
A description of the procedure used to determine the accuracy and completeness of the information. If the information is found to be inaccurate, I request that it be removed or corrected immediately. I understand that under the FCRA, you are required to complete this investigation within 30 days of receipt of this letter. I expect to receive a response from your office regarding this matter as soon as possible. 

Thank you for your attention to this matter. Please send me a written confirmation of the receipt of this letter and the results of your investigation. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-05-30
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)

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 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Hello! My name is XXXX XXXX and I would like to make a complaint to all three consumer reporting agencies ; XXXX, Equifax and XXXX. Below is a comprehensive breakdown of my complaint. 

Section 602 A of the Fair Credit Reporting Act, 15 USC 1681, states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. 

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from providing inaccurate consumer information.

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to uphold reasonable procedures to prevent violations of the FCRA, limiting consumer report furnishing to specified purposes. However, XXXX, Equifax, and XXXX fail to meet these requirements. 

- Inaccurate Information : Despite legal obligations, XXXX, Equifax, and XXXX furnishes inaccurate consumer information, violating the FCRA 's accuracy requirement. 

- Lack of Reasonable Procedures : XXXX, Equifax, and XXXX does not maintain reasonable procedures to ensure data accuracy and compliance with FCRA standards, as outlined in 1681e.

By not adhering to these statutes, XXXX, Equifax, and XXXX jeopardizes consumer rights and undermines the integrity of credit reporting systems. This non-compliance warrants investigation and corrective action by the Consumer Financial Protection Bureau ( CFPB ) to protect consumers ' interests and ensure fair credit reporting practices.
Consumer complaint received 2019-03-13
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. (TX)

I recently Sent Experian a letter requesting that the show me their METHOD OF VERIFICATION/description of the procedures used to determine the accuracy and completeness of the disputed information, and they failed. the letter was sent on XX/XX/2019. the letter was received XX/XX/2019. I received an Email response stating the results of my dispute were ready on XX/XX/2019. that is beyond the time allowed to respond for a method of verification I believe it is 15 days. ( FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute ).

I have been denied a home loan, my credit looks skeptical to lenders, i have been denied credit line increases with my current creditors, and Experian has yet to remove these items. Even after 2 recent disputes, i have sent the PROPER SUPPORTING DOCUMENTATION they request that, the items still remain! 
I spoke to a Dispute officer/representative on XX/XX/2019 at XXXX XXXX central time, for 38 mins 20 sec. and i specifically asked him how were the items verified. He stated that they were verified electronically. That is not a reasonable investigation! The home i am currently living in is falling apart and my family and i need out AS SOON AS POSSIBLE and the deletion of these accounts would make the wold of a difference.
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received recent copies of my credit file from XXXX, XXXX and XXXX. I spotted a company with an inquiry that I do not recognize, nor did I authorize. They have pulled my credit file with all XXXX bureaus twice, XX/XX/2022 and XX/XX/2022
Consumer complaint received 2016-10-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XXXX XXXX, XXXX XXXX XXXX BANK purchased our mortgage loans from XXXX XXXX XXXX. Since XXXX 's purchase has been battle between lender and borrowers. Finally, after a long battle, on XXXX XXXX, XXXX under the Home Affordable Modification Program ( HAMP ) we were qualified to reduce our monthly payment for a fixed rate until Nationalstar Mortgage ( in this year ) got our loan from XXXX. 
Right away our monthly payment made a drastic jump from {$1000.00} plus to {$1200.00}. On numerous occasions I have tried to discuss the situation with the office manager, but he or she is unwilling to cooperate. Finally, I spoke to a loan specialist explaining me it because " California had tax higher collection '' and we need to maintain some amount in XXXX to " pay city '' tax. I was off balance because where they gave such of increasing. They have not sent us a statement or affordable application XXXX. I want to know : If there was an agreement left from XXXX Why they refuse to give us an enclosed ( purchase agreement between XXXX and Nationstar? 
Why they are offensive Why the monthly payment has increased besides escrow. 
In short, I can not solve the problem myself, and I want to avoid hiring a lawyer unless it becomes absolutely necessary.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to you in regard to a matter of utmost urgency concerning fraudulent accounts and identity theft reflected on my credit report. Upon reviewing my credit report, I have discovered accounts that are the result of identity theft, and I am requesting the immediate removal of these fraudulent entries. 

I want to emphasize that I did not open or authorize these accounts, and I believe I am a victim of identity theft. I am deeply concerned about the potential harm to my financial well-being and creditworthiness, and I am taking immediate steps to rectify this situation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough investigation into the legitimacy of these accounts and take swift action to remove them from my credit report. I have attached supporting documentation, including a copy of the identity theft report I filed with law enforcement, as well as any additional evidence that may assist in your investigation. 

XXXX XXXX XXXX XXXX  - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 

XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand quick corrective action to address the errors that are still damaging my credit score because I am furious that this dispute is not being resolved.

I appreciate your prompt attention to this matter and your commitment to protecting consumers from the serious consequences of identity theft. If there are any additional steps or information required from my end, please do not hesitate to contact me.