davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). The following is a detailed account of the violations perpetrated by various creditors, which have had a profound impact on my life. 

Violation Details : XXXX, Account : XXXX Violation : Failure to remove inaccurate and unverified account from my credit report, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX, Account : XXXX Violation : Reporting inaccurate information and failure to validate the debt, violating FDCPA Sections 807 ( 8 ) and 809 ( b ). 

XXXX XXXX, Account : XXXX Violation : Failure to provide accurate and complete credit terms, violating TILA Section 226.6 ( a ). 

XXXX, Account : XXXX Violation : Inaccurate reporting and failure to provide debt validation information, violating FCRA Section 623 ( a ) ( 1 ). 

XXXX XXXX XXXX | XX/XX/XXXX Violation : Reporting of unauthorized account without my consent, violating FACTACT Section 605B ( a ) ( 1 ). 

XXXX XXXX  XXXX | XX/XX/XXXX Violation : Reporting unauthorized account, violating FACTACT Section 605B ( a ) ( 1 ). 

XXXX XXXX, Account : XXXX Violation : Reporting unverified and inaccurate account, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 


I kindly request that the Consumer Financial Protection Bureau enforce the applicable legal provisions to rectify these violations. It is my earnest desire that the creditors remove these unverified and inaccurate accounts from my credit report, thus restoring my ability to secure credit, housing, and employment without unjust hindrances. 

I appreciate your attention to this matter and your dedication to upholding consumer rights. Enclosed with this letter are supporting documents, including copies of relevant credit reports and correspondence with the creditors in question. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution that will allow me to regain financial stability and peace of mind. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Family Education Privacy Act of 1974 and the Privacy Act of 1974 my rights were violated by each institution that has shared my private information with each of the credit agencies.
Consumer complaint received 2023-08-17
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. (CA)

I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by [ XXXXTransUnion XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved.

Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. 

Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. 

Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. 

I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. 

In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. 


Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (MA)

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 2023-08-30
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (TX)

Freedom Mortgage took {$24000.00} from Louisiana HAF as well as gave me a loan modification even though I asked them not to file the loan modification. Louisiana HAF money came first. They never returned the money to Louisiana. Also, they did not reflect my loan modification on any documents. My payment went back the same. 

When selling my house I was made aware of the loan modification had gone through. I called freedom mortgage. It has been a month, and none of the investigation have been taken care of. I have now had to pay close to {$40000.00} to get out of my home.
Consumer complaint received 2023-08-17
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. (OH)

the is an collection on my credit report that does not belong to me and i have a legal right to dispute anything on my credit report that does not belong to me according to the FDCPA. HERE IS THE ACCOUNT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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. (TX)

I just reviews my credit report and want to make sure everything is reporting 100 % accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX : XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (FL)

The below listed below accounts are on my credit report but do not belong to me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/XXXX I made a payment of {$380.00} to cover the minimum balance. On XX/XX/XXXX I submitted an extra payment of {$3000.00} to pay down my Wellsfargo XXXX XXXX Visa Signature Credit Card balance. Once this payment was submitted my credit limit was dropped {$9000.00} without notice or any explanation. This result has put my livelihood at risk. This is one of the major ways I pay for my child 's daycare and everyday expenses and it comes after making a very large payment of {$30000.00}. At the same time of making this large payment to Wellsfargo and Wellsfargo decreasing my credit limit, it also caused my daughter 's daycare payment to decline and me having to come out of pocket another {$1100.00} days later. I have never been late on a payment. I have always been on time and paying more than the required minimum balance often.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I have recent inquires that I do not know about about my Equifax report. The companies are XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX
Consumer complaint received 2023-08-17
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update this immediately in my report : DEPTEDXXXX XXXX.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (NV)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-09-29
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)

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-05-30
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: CITIBANK, N.A. (SC)

There are multiple hard inquiries reported on my credit report. On my XXXX credit report, one from XXXX on XXXX and also from XXXX on XXXX. On my XXXX credit report, there is a hard inquiry from CitiBank N A, on XX/XX/. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/. I called the company on my XXXX report on XX/XX/ to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (AR)

I have had numerous conversations with XXXX  XXXX XXXX has failed to give me Finacial hardship assistance and XXXX trying my hardest to make my payments the economy has impacted my income and reported me late for the last 3 months
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: EQUIFAX, INC. (MI)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violate my rights. 

15 USC 1681 Section 604 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

In XX/XX/2023 this entity inaccurately reported an account status as 30 days past due when it is current. It lists the last payment as XX/XX/XXXX when a payment was made on the XXXX due date of XX/XX/XXXX. This was reported on XX/XX/XXXX even before the due date. Even if the XXXX payment had yet to be made, it would not currently be more than 30 days passed due. This entity has inaccurately reported the account status multiple times in the past and does not respond to inquiries. They only wait for the consumer to dispute the information. They are willfully violating the FCRA by reporting inaccurate information repeatedly.
Consumer complaint received 2023-08-17
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. (TX)

I have made multiple attempts with this Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agencies and XXXX regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically XXXX XXXX XXXX EXPERIAN REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened AS XX/XX/XXXX XXXX REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened XX/XX/XXXX EXPERIAN , AND XXXX STILL HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. EXPERIAN AND XXXX still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (FL)

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
DEPT OF ED/XXXX  - XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I have an account from XXXX XXXX XXXX that is now in collections with Credence Resource Management for XXXX $ that I do not recognize. I suspect it is a result of fraud and I have already disputed the account with my credit monitoring service XXXX.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXXXXXX was closed in good standing years ago, and should not continue to reflect an open line of credit. 

Despite this, it still shows as open on my Experian credit report, despite being closed on my XXXX and XXXX reports, and having been closed for years. I have disputed this multiple times ( e.g. Experian dispute XXXX on XX/XX/2023 ) over the last year, and each time the account has been upheld. A statement is recorded on the item, but I would like this line completely closed on my credit report.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

Yes I purchased a vehicle with U S Auto Sales back 2022 and in XXXX they sold or Westlake Portfolio took over the car loan. Now my balance is almost like I never paid it, and I see that they are not honoring the warranties including the XXXX  insurance. No fees have not been reduced and their is a {$5.00} charge for every payment along with a late fee. I have already paid about {$1000.00} not knowing that they are just a debt collector for U S Auto Sales. Now all they do is call all day until after XXXX and send multiple emails for payment reminders.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.