davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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: Experian Information Solutions 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. 



there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

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

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

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

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

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

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

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

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

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-11-11
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. (MO)

I am disputing these fraudulent items based on the fact that they are the result of identity theft or fraud, and therefore, should not be attributed to me. I am providing the following supporting evidence : I have attached any additional evidence I have gathered to support my claim of fraud. 
I kindly request that you promptly investigate these fraudulent items in accordance with the Fair Credit Reporting Act and take the necessary actions to have them removed from my credit report. Please provide me with written confirmation of the results of the investigation and the removal of these items. 

Furthermore, I kindly request that you provide me with a free copy of my updated credit report once the investigation is complete. I appreciate your prompt attention to this matter, as it is essential to my financial well-being. Please do not hesitate to contact me if you require any further information or clarification. I am asking for your assistance to remove the fraud items in 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 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 2018-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Collection Management. Inc (IL)

I was a victim of ID Theft. I sent a Dispute Letter to Consumer Collection MN on XX/XX/XXXX and another on XX/XX/XXXX of which they did not respond to my Dispute as it remain on my Credit Report. I enclosed a copy of the ID Theft Affidavit as well at the Dispute Letter sent to Consumer Collection MN. Note all of the fraudulent accounts have been removed from my Credit Reports EXCEPT Consumer Collection MN. I am also filing a Law Suit. Is Consumer Collection MN above the Law??? The FDCPA and FCRA!!! Please note that Account # XXXX is a fraudulent account and should be " Deleted '' from my Credit Reports.
Consumer complaint received 2023-04-28
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. (GA)

This is my FURTHER Complaint regarding the identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00}.
Consumer complaint received 2022-10-20
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. (VA)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I hereby request the deletion of a charge off on my credit report by XXXX XXXXXXXX due to inaccurate information, the furnisher is unable to provide me with the copy of 1099C used in writing off the debt with the IRS to know how much the debt was charged off. The furnisher has not been able to provide this information since over 30 days as required by law. 

In this regard, kindly delete the charge off due to inaccurate information due to inaccurate information.
Consumer complaint received 2018-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I have an upcoming foreclosure trial not set yet. Nationstar ( a/k/a Mr. Cooper ) is the  servicer of my mortgage loan. XXXX XXXX is the owner of my mortgage. My prior servicer was XXXX XXXX. XXXX transferred the servicing of my loan to Nationstar around the summer of 2009. Before the transfer, XXXX approved a loan modification and I completed the 3 trial mortgage payments. I found out about HAMP ( Home Affordable Mortgage Program ) and I applied with XXXX to try and get an even lower rate. While XXXX was working on my second modification and 2 months after I applied, XXXX transferred the servicing of my loan to Nationstar Mortgage Co. I called Nationstar, and I was told they see the HAMP application in process and that I should hear back regarding an answer on the results. About 2 to 3 months later, I called Nationstar again and I was told they knew nothing about a modification and they refused to provide an opportunity to apply as I was legally entitled to. A few months after that they sued me for non-payment of my mortgage. They lost that suit. Today I am about to lose my home on another suit by Nationstar and I've applied twice for a modification and they again refuse. I believe Nationstar broke federal law back then when they refused to follow-up with my HAMP application that was still in process mid-transfer of servicing. They ignored the law and I was denied my rights to a HAMP application and modification. I've enclosed some court documents that support my allegations here from past cases that demonstrate these happenings.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXXXX
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (PA)

( DISPUTE CODE-103 ) My personal information was stolen in XXXX, since that day I've been seeing a lot of unauthorized inquiries and accounts. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquires and addresses i have listed, the following includes : 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 2023-07-21
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. (NC)

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00}.
Consumer complaint received 2024-03-10
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)

I am writing to bring to your attention an issue I have kept encountering with the credit bureaus after numerous attempts by phone, a certified letter regarding unauthorized credit inquiries on my credit report. Under 15 U.S. Code 1681b ( 2 ), I have not provided written authorization for these inquiries, yet they persist on my credit report. 

As per the statute above, it is clear that credit bureaus are prohibited from including information on a consumer report solely based on transactions or experiences between the consumer and the reporting entity unless specified otherwise in 15 U.S. Code 1681s3. I firmly believe the credit inquiries in question fall under this provision and should not be reported without my explicit consent.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am writing to dispute and request an investigation into the charge-off accounts listed on my credit report. I recently obtained a copy of my credit report, and upon reviewing it, I noticed that there are several accounts that have been charged off. These entries are negatively impacting my credit score, making it difficult for me to secure loans or credit on reasonable terms. 

I believe that these charge-off accounts are not accurate and are unfairly damaging my credit profile. I request your assistance in investigating these accounts and, if they are found to be inaccurate, I request their removal from my credit report. 

I am disputing these charge-off accounts on the grounds that : I believe that the information reported is inaccurate or incomplete. I have attached any supporting documents that can help rectify the inaccuracies. 

I request that the credit bureau verifies the validity of these charge-off accounts with the respective creditors.

Outdated Information : If any of these accounts are more than seven years old, I request their removal as they should not be reported according to the Fair Credit Reporting Act. 

Enclosed with this letter, you will find copies of the supporting documents that I have gathered to validate my dispute. These documents include [ list any documents you are including, such as payment records, correspondence with the creditor, or other evidence ]. 

I kindly request that you conduct a thorough investigation into these accounts as per the Fair Credit Reporting Act and respond to this dispute within the XXXX period stipulated by law. Additionally, please provide me with a free copy of my updated credit report after the investigation is complete. Please hepl me remove the following accoutns in my credit file : XXXX XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX  XXXX Balance : {$3800.00}.
Consumer complaint received 2023-06-20
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)

n 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 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 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 and other adverse items 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 2020-12-17
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: EQUIFAX, INC. (MD)

I have reached out to XXXX XXXX via phone and via email regarding in accurate reporting. They were supposed to do a internal investigation but I still to this day haven't heard anything back. Below it the letter I have sent to them too as well. 


Loan Number : XXXX Payments : XX/XX/XXXX - XX/XX/XXXX I have been a XXXX XXXX customer since XXXX, and during that time, I have enjoyed my experience greatly. I am writing now to see if you would be willing to make a goodwill adjustment to your reporting to the main credit agencies ( XXXX, Equifax, and XXXX ). I have two late payments on the account that I referenced above that date back to XX/XX/XXXX and XX/XX/XXXX. Since that time, I have been an exceptional customer, paying all my other monthly payments on time. 
Because of my exceptional payment history over the last 2 years, I would like you to consider removing the late payments from my credit report. I did not intentionally mean to be late on my payments, but due to the unexpended end of my government contract I was out of suddenly out of employment. I also at that time only had one salary in the household. Both payments were last then 30 days late. 
It does not justify why the payments were late, but rather there to show that these late payments are not a good indicator of my actual creditworthiness. I hope that XXXX XXXX  is willing to work with me on erasing this mark from the reports. I am now knowledgeable and clearly understand the importance of credit history and would greatly appreciate it you could make the adjustment. 

Also, for the month of XX/XX/XXXX there was an error when processing my monthly payment. My monthly payment that I pay is {$1700.00}. There was an error that the representative actually processed a payment for {$17000.00}. With this being said, there was a correction that was sent credit bureaus but drastically dropped my credit score. My score dropped nearly 100 points. After the credit bureaus made the corrections my scores only changed about 40 points. I am also in process of refinancing with XXXX XXXX too as well. My application is still on hold as right now due to my credit score dropping. With the credit score the bouncing back to the score it was previously, I am unable to begin the refinance process with XXXX XXXX. With hopes that you would be willing to adjust the two late payments, this would get me in position to refinance with XXXX XXXX. 
I have been satisfied customer in the past and hope to continue a long relationship with XXXX XXXX, as the credit industry is so competitive. I know how important it is to maintain good relationships with customers, and you have done an exceptional job in my book so far. 
I hope that you will consider my request and prove, once again, why XXXX XXXX is heads above the rest. I look forward to your reply.
Consumer complaint received 2019-12-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (CA)

XXXX XXXX ACCT NO XXXX IS WRONGFULLY APPEARING ON MY EQUIFAX CREDIT REPORT.DISPLAYING AN ACCOUNT IS CONSTRUED BY THE FAIR CREDIT REPORTING ACT AS " ATTEMPTING TO COLLECT A DEBT ''. 
THE DEBT IS UNENFORCEABLE AND VIOLATES THE BUSINESS AND PROFESSIONS CODE ACCORDING TO THE SUPREME COURT OF CALIFORNIA. 
A PERMANENT INJUNCTION WAS VIOLATED IN MY SPECIFIC CASE AS XXXX DESCRIBED THEIR WELCOME CALL PROCEDURE THAT THEY SAY TOOK PLACE ONE MONTH AFTER LOAN ORIGINATION IN THEIR CFPB RESPONSE.THE PERMANENT INJUNCTION CALLS FOR THE ELEMENTS OF THE WELCOME CALL TO OCCUR WITHIN 72 HOURS OF LOAN FUNDING. 
I AM NO LONGER RESPONSIBLE FOR THIS LOAN AS A MATTER OF LAW.