davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (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. 

The letters are stated with items and issues. 

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 2023-05-16
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. (MO)

I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they reported. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : 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 2023-07-05
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. (GA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


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

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act. 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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Equifax has knowingly furnished my inaccurate personal information, WITHOUT obtaining my wet ink written instruction to do so. This is in violation of 15 USC 1681B ( a ) ( 2 ) ; a consumer reporting agency may furnish a consumer report under the following circumstances and not other ; in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel. 
The lender also has this file under review for a Short Sale option, this is considered to be Dual Tracking and is another violation to Reg X.
Consumer complaint received 2023-07-05
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. (GA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX Account number XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX Account number XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-16
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. (CA)

XXXX   Report #  XXXX  Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts :  XXXX   XXXX   XXXX  Balance {$10000.00}  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$7100.00} EXPERIAN   XXXX   XXXX   XXXX   XXXX  {$7100.00}  XXXX   XXXX
Consumer complaint received 2017-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Filed on : XX/XX/XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Filed against : Mr. Cooper XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Complaint Description : ***XXXX XXXX   account # XXXX, acquired my mortgage on XX/XX/XXXX. Mr. Cooper Mortgage account # XXXX, acquired my mortgage on XX/XX/XXXX. Less than thirty ( 30 ) days notice from either party. *** Mr. Cooper acquired my mortgage on XX/XX/XXXX. They are expecting the payment for XX/XX/XXXX which was made to my previous lender. Mr. Cooper ( XXXX XXXX XXXX, XXXX TX XXXX ) acquired my mortgage on XX/XX/XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX TX XXXX ). Mr. Cooper is expecting payment for XX/XX/XXXX which was made to my previous lender ( XXXX  ), payment via US mail on XX/XX/XXXX. Mr. Cooper has made at least eight ( 8 ) emails, a dozen ( 12 ) calls to my cell phone, and today called my employer 's Human Resource Department. I spoke to Mr. Cooper today after they called my employer. Mr. Cooper said that I have a sixty ( 60 ) day grace period for payments made to the previous lender to be transferred. Yet I am being harassed. These are illegal collection calls. I want the collection calls to cease and my credit report to not reflect any late payments. Mr. Cooper is not due a true payment from me until XX/XX/XXXX as payment was made to XXXX for XX/XX/XXXX.
Consumer complaint received 2024-02-29
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)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-07-05
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. (OH)

On XX/XX/2023 I sent affidavit to Experian to remove unverified information on my credit report without my consent. Experian violated code U.S. Code 168b ( 2 ). Experian violated my rights as a consumer.
Consumer complaint received 2023-07-05
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (NY)

X/X/2016    Requested and received a payoff letter on our mortgage to sell our home  XXXX  {$170000.00} payoff amount  XXXX   XXXX  offer on our house and signed a lease on new home Packed up and moved out  X/XX/2016    After accepting offer and signing a lease on our new residence ; Mortgage  Company  went a new payoff letter ( {$200000.00} payoff amount ).   We contacted Mortgage Company and they requested that we ask the buyer for more money. Buyer did not qualify for increased amount. We asked the bank to consider the fact that we accepted the offer on their mistake and asked for forgiveness. The Mortgage  Company  did not respond and on  XX/XX/2016    we lost the sale.   We were paying on our lease x 3 months at this point.     on   XXXX   Mortgage Company sent us yet another payoff letter for {$170000.00}.     We found another buyer and sold the home and paid off the mortgage.     Mortgage company financially stifiled us for 4 months and then after the sale was completed ; listed us on Credit report as 6 months in arrears and Bankrupt. Attempted to dispute and they sent a letter stating that they were correct.
Consumer complaint received 2023-06-05
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. (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. 

XXXX XXXX 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 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-03-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Leif Technologies Inc. (NY)

XXXX XXXX - a tech training company from XXXX XXXX, California. Has granted me withdrawal status as XX/XX/2023. Yet they continue to hold my XXXX XXXX Contract with an active status and refuses to fully cancel the XXXX XXXX Contract because XXXX XXXX argued that I still owed them money. 

Now, Leif Technology, the financial services group administering my XXXX XXXX Contract will not change the status in the account from active to closed. Also, they refused to fully cancel the XXXX Contract until XXXX XXXX provide with a request to do so. 

INCOME SHARE AGREEMENT Company : XXXX XXXX  https : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-07-05
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. (VA)

I disputed inaccuracies to Experian, and they failed to remove an account from my credit file that does not belong to me. I sent a few letters but they were " updated '' with false unverified information. I wrote Experian regarding the account XXXX XXXX / XXXX.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I just got off the phone with the  XXXX   XXXX   XXXX   XXXX  who has verified that the  XXXX   XXXX  that Equifax is showing on my credit report is paid, closed and since it was opened in   XXXX  , is over  15 years old. E quifax is reporting old negative activity on my report and I want it removed IMMEDIATELY. This reporting has cost me a job opportunity. If it 's not removed immediately I will resort to hiring an attorney.
Consumer complaint received 2023-06-05
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

5 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was a victim of their inquiry issue, and their customer service would not help take care of the negative inquiries on my credit report listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-15
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. (MO)

Equifax has failed to validate information I disputed on my credit report. They have failed to provide me copies of any documentation associated with the  XXXX  accounts I disputed, bearing my signature. In the absence of any such documentation bearing my signature. I asked that if the information was not provided that it be deleted immediately from the credit file under my social security number. There were  XXXX  unfamiliar accounts that appeared on my credit report. I have no contract signed with any of these companies so I filed a dispute with the credit bureau and they said it was mine but have not provided me anything bearing my signature from the clients they claim to have verified with and me having a common name I typed the name in on  XXXX  in my area and there are over  XXXX  people with the name  XXXX   XXXX . In my letter to the credit bureau that I send in  XXXX    XXXX  , I challenged the accuracy, compliance and report ability of the listing. The  XXXX  accounts listed are  XXXX .    XXXX   XXXX  services  XXXX .     XXXX   XXXX