davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Subject : Dispute and Resolution Request Incorrect Reporting by Credit Reporting Agencies for XXXX XXXX : STUDENT LOAN ACCOUNT NUMBER XXXX To Whom It May Concern, I am writing to formally file a dispute and resolution request regarding inaccurate reporting by credit reporting agencies, specifically related to a debt cancellation event supported by a 1099-C Form. This dispute centers around an account for which I have received a 1099-C Form for the cancellation of debt from the bank that identifies itself as the loan servicer. However, the outstanding balance on this account has not been correctly reported as zeroed out, despite the debt discharge. 

Account Information : Company : XXXX XXXX Account Holder Name : XXXX XXXX Account Number : STUDENT LOAN ACCOUNT NUMBER XXXX Date of 1099-C Form : XX/XX/XXXX  The issuance of the 1099-C Form by the bank that claims to be the loan servicer signifies the cancellation of the debt associated with the aforementioned account. However, credit reporting agencies have not accurately reflected this significant event in their reporting. I believe that these agencies need to demonstrate a good faith effort to display the XXXX-out balance as the debt has been duly discharged. 

Enclosed with this complaint is a photocopy of the 1099-C Form for your reference. It provides clear evidence of the cancellation of debt associated with the account in question. Therefore, I respectfully request that the CFPB intervene to facilitate the following resolution : Resolution Request : 1. Immediate Removal or Correction of Reporting : Credit reporting agencies must promptly remove or correct the reporting of the account in question to accurately reflect a XXXX balance, consistent with the debt discharge as indicated on the 1099-C Form. 

2. Cease Negative Reporting : Credit reporting agencies should cease any negative reporting associated with the discharged debt, including but not limited to late payments, defaults, or other derogatory remarks related to this account. 

3. Confirmation of Corrected Reporting : Credit reporting agencies must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a XXXX balance and that negative reporting has ceased. 

I firmly believe that this dispute and resolution request will lead to a fair and accurate resolution of this matter. I kindly request that the CFPB investigate this issue and ensure that the credit reporting agencies comply with the applicable regulations and guidelines governing accurate and fair credit reporting. 

Thank you for your attention to this matter, and I look forward to a swift and accurate resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (FL)

RE : Right of Rescission Dear Westlake Financial Services I XXXX XXXX original creditor and natural woman/man hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with XXXX XXXX on XX/XX/. 

I entered into this contract agreement with XXXX XXXX without : Full disclosure of my rights to rescind Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 

I have reason to believe that XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. 

I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, As I have found several violations and fraud. Notice that pursuant to 15 U.S. Code S 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information, As i was informed that a down payment of {$7000.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code S 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to ( 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges Furthermore, the down payment reimbursement of {$7000.00} shall be made by check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Best Regards, XXXX XXXX
Consumer complaint received 2023-09-30
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported unauthorized inquiries in my credit report across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-09-30
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported unauthorized inquiries in my credit report across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am the victim of identity theft. And the items on my credit report list. in my identity theft report from the Federal Trade Commission do not belong to me. Included with this complaint is a copy of my identity theft report. Along with ID.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

Submitted an XXXX application on XXXX XXXX, student aid sent application to EdFinancial. Called EdFinancial approx. 5 times between XXXX XXXX and XX/XX/XXXX on update, some reps saying no app on file, some saying its processing and need 32 days, another telling me it would be completed XXXX XXXX, it was not. Called again XXXX XXXX, told since the requested tax info from me, it pushed the date back lie, I provided my tax information unasked in hopes it would cut out time. Never received any correspondence from EdFinancial asking for anything, just provided it. But they were quick to switch my loan back into repayment when I asked but can not find my IDR app. Horrible systems, not handling repayment well at all, no communication to client, phone has XXXX minute wait-time, staff unknowledgeable.
Consumer complaint received 2023-09-30
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. (PA)

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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-04-03
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. (OH)

TransUnion XX/XX/XXXX **Current Credit Score XXXX I have had to keep my credit file frozen for illegal attempts. I have literally been in tears, I finally opened a XXXX  which is in my name XXXX XXXX XXXX XXXX, and these XXXX illegal items remain on my report that I have been disputing and pleading to get removed for over XXXX days. I know your tired of my submissions but please remove these illegal items. This is hurting my company because I can not obtain funding with derogatory marks on my report. These are the only 3 things that continues to hurt like SEVERELY HURT MY SCORE! Im asking for the millionth time please remove these items off my report. Its seriously has hurt my future with these illegal items thats still being closed/reopened on my credit report even dating til XX/XX/XXXX. My score keeps fluctuating because I will not stop deleting these illegal/fraudlent accounts that was ILLEGALLY obtained in my name and various different avenues. My information is currently still being breached on the dark market as I attached its the reason why I froze my report. 

Please remove these XXXX illegal items off my **TRANSUNION** credit report as I have previously stated over 4 months ago +. Please Remove!!!!!!!! 


XXXXXXXX XXXX XXXX  Balance {$13.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX  {$57.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$150.00} XX/XX/XXXX I will not stop disputing. I opened a business, with an XXXX  and these illegal items are hurting me. I signed up for credit strong and kifoff, but I have to UNFREEZE MY REPORT so positive information can be added but I need these 3 illegal items removed. 

XX/XX/XXXX
Consumer complaint received 2023-09-30
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. (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 : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DOE XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-03
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. (NM)

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 2024-04-03
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)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-03
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX been holding negative items on my credit report for years, holding me back financially. Ive done everything I can to Dispute all negative items, even after some of the items were paid in full or no longer being reported. Every time I try to dispute online, they dont remove the accounts from my credit report. To me is not fair because Ive been fighting identity theft over XXXX years and I took initiative up on myself to fix everything but I need help ASAP. in addition to XXXX XXXX XXXX XXXX XXXX XXXX falsely closed and reported both my personal bank account and my secure credit card to the credit, bureaus and Chex systems as account abuse.Bank of the west illegally reported my accounts to be closed until 2029.
Consumer complaint received 2023-11-12
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: Kikoff Inc. (FL)

Kickoff, This is in response to this claim : XXXX This is a new claim with new and updated information. 

Please see attached - my written complaint - my drivers license - my social security card - my proof of address - my credit report showing XXXX, XXXX, and XXXX I had an installment loan with KickOff - you advertise it shows on a customers XXXX + XXXX credit reports- mine does not. 

XXXX only shows on my XXXX credit report It is not showing on my XXXX credit report. 

In this complaint - XXXX - you thought it was because of a fraud alert - that has been removed as the attached credit report shows. 

Now, there is no fraud alert on my XXXX credit report- and I expect your Kickoff tradeline to put put on immediately- as I paid for. 

Also to note - the credit report did NOT have a security freeze for the duration of the installment loan - as you can see I have received other tradelines showing during this time- so there is NO REASON Kickoff wouldnt show - if you guys accurately reported. 

Please have this handled as soon as possible - as you are affecting my ability to obtain credit.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year> I contacted TransUnion to inform of incorrect information they are reporting on my consumer file as far as contact numbers that Ive never been associated with. TransUnion advised that this information was provided by another XXXX party vendor and it was accurate and could not be updated
Consumer complaint received 2023-09-30
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. (MI)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (TX)

We switched our Home Mortgage Insurance provider from Homeowners of XXXX to XXXX back in XXXX. The Homeowners of XXXX issued us a check for {$3500.00} which I cashed and on XX/XX/23 put via local Wells Fargo branch to our escrow account as additional escrow ( we have a receipt ). Then I checked and could find the above amount on my account, so I wrote a letter to Wells Fargo Home Mortgage with my concern. In their response they confirmed that the additional escrow amount was received in XXXX, went to unapplied funds first but on XX/XX/XXXX was credited to our escrow account. However, in XXXX we received the XXXX Account XXXX dated XX/XX/23 with notification our escrow account has a shortage of pretty much the same amount, and we need to pay it as additional escrow ( again?! ) or they will split it over or monthly mortgage payments. I called their Customer Service immediately to talk to their loan officers, but they were unable to clarify anything just saying like " we can not understand what happened to the amount we received ''. We suspect our fund mismanagement if not fraud and it is very hard to deal with Wells Fargo nowadays- they put all services on the phone, it is hard to get a paper trail, every time new person responds ( same with letters ).
Consumer complaint received 2024-04-03
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. (PA)

It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you double-check the documents? Some of the listed accounts exhibit inaccuracies regarding their reporting, including incorrect amounts and dates.
Consumer complaint received 2023-09-30
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. (NC)

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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-30
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. (KY)

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  XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.