davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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. (TX)

In accordense with the fair credit reportact, the list of accounts below has violated my federlly protection consumer rights to privacy.an comfidentiallity under 15 u.s.c 1681 XXXX  XXXX accout number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has violated my rights 15 u.s.c 1681 sec 602a states i have the right to privacy 15 u.s.c 1681 section 604a states that a consumer reporting agency can not use account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) no consumer reporting agencies may make any consumer report containing any of the following items of information. any other adverse item of information, other then records of conviction of crim which antedates the report by more the sevsen years. 
15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumerto any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate.
Consumer complaint received 2017-09-08
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. (MD)

In XXXX 2017 I contacted XXXX XXXX about their reporting on an auto loan that was included in my bankruptcy. They told me that they had reported it to Experian and XXXX as Chapter XXXX  bankruptcy. Experian 's response to the creditor was because of a lawsuit that the discharge paper work that was sent to them ( creditor ) from the court was not sufficient enough and that I would have to personally provide them with the the schedule of the items I included in the bankruptcy to them ( Experian ). When did this new practice come into play that the discharge paperwork that was sent to to creditor from the courts was n't sufficient enough? When did the policy change when a credit submits information to the bureaus to update account information they choose not to? I have contacted Experian personally and they told me I would have to either provide a copy of all my paperwork I filed to the courts almost 3 years ago for their review. I ', m not going to submit my personal information to them especially with the situation that just happend at Equifax. XXXX has reponded that the creditor has verified they are reporting correctly which is untrue. Experian and XXXX are giving me a hard time as well as the creditor. I stated to both bureaus if they are not able to report correctly they need to remove from my report which they have not done. They are in violation of my consumer right and I need the CFPB to step in and help.
Consumer complaint received 2023-03-09
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

EXPERIAN is reporting inaccurate information about me. Here are all the inaccuracies on my credit file : XXXX XXXXXXXX XXXX I do not owe a debt to this company. 

XXXXXXXX XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

Dept Of EdXXXX ( all 9 accounts are inaccurate ) I do not owe a debt to this company.
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (IL)

On Going issue with this company. I have contacted them in the past regarding this issue they fix the problem then a few months later they repeat with collections. they issued a negative rating on my credit report. It has drop significantly XXXX points. No one at this office will help with my problem. Cant get though to them they switch me from one operator to a Norther. I need help this has been going on long enough. XXXX issued the collection co Credence Resource management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX-XXXX
Consumer complaint received 2023-02-27
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 list of accounts below has violated my federal protect the consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX  account number XXXX. 
Account name XXXX account number XXXX Account name XXXX XXXX Account number XXXX, XXXX. 
Account name is XXXX XXXX, XXXX account number XXXX. 
Account XXXX XXXX XXXX account number XXXX 15 USC 1681 section 602 ( a ) states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 : it also states that a consumer reporting agency can not furnish all account without my written instructions.

15 USC 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 USC, 1681s-2 ( a ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency. If the person knows our has reasonable calls to believe that the information is in accurate.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (MD)

I submitted a letter to the Equifax and XXXX Credit Bureaus last XXXX XXXX, to update this suspicious information. 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. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (SC)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (GA)

XX/XX/2022 - I realized there are two student loans on my account that I did not apply for with XXXX and filed a police report. 
XX/XX/2022 - Completed packet of papers to prove I did not apply for the student loans and returned to XXXX with proof of my identity. 
XX/XX/2022 - I have sent more proof during the last few months to prove my identity. XXXX has now changed the original person 's information that opened the loans from a different state to my information and refuse to remove the loans from my credit.
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Andreu, Palma & Andreu, PL (FL)

I paid my collection to XXXX XXXX XXXX on XX/XX/XXXX to their 3rd party lawfirm of Andreu, Palma, Lavin & Solis. I was advised that the 3rd party lawfirm sent notification to XXXX XXXX on XX/XX/XXXX that my debt was settled for less than is owed. At this point XXXX XXXX was to remove the debt from my credit report as is their normal practice. Per my new mortgage lender ( trying to buy a new family home ), this debt is still showing a balance of {$760.00} remaining ( difference of what I settled my debt for ). In speaking with XXXX, they are stating that they did received the monies collected but have not received notification of the debt being settled and closed. They sent a request to the lawfirm to confirm on XX/XX/XXXX. As of XX/XX/XXXX, they have not received a response nor have they closed my account out. This has now been over 60 days since I paid this debt on XX/XX/XXXX and is causing me to possibly lose my new home and large deposit that I have placed.
Consumer complaint received 2021-03-14
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. (FL)

I have tried numerous times over the past two months to dispute and correct a company and account on my credit report that is not accurate. The company is called XXXX, i have an tried to dispute this with all 3 credit bureaus, none of them want to give me any details on the matter. Also this company does not exist. Ive tried calling 5 different numbers and no luck so far. I do not owe both accounts, nor should it be on my credit report. 

XXXX : XXXX amount {$4000.00} XXXX : XXXX amount {$2600.00}
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I received a Wells Fargo on the XXXX of XXXX. Stating I had fraud going on. I disputed the charges. Another supposed employee called and asked for more information. I was told a card would be sent by Tuesday. I check my account on XXXX. 3 new charges were added. I also had to call on XXXX and ask for a different charge to be taken off. I went into a branch and basically was told it was a scam. I showed the authentic email and everything that was sent to me. The teller would not get me a manager. Basically, told me to use credit cards and not debit cards. Nothing was recorded for any of my phone calls. If it was a scam, why did I not receive a call or email as soon as it happened???? I had an issue 5-6 months ago with Wells Fargo before XXXX Someone was able to call in my card and report it stolen. I was not notified of any activity. I had a balance inquiry in XXXX with no card someone used. How is this possible. Wells Fargo does not care about their consumers. I am closing my account after 13 years. I'm tired of their XXXX
Consumer complaint received 2022-11-01
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. (WI)

In accordance with the Fair Credit Reporting act 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, also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-07-03
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-11-01
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. (DC)

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/2021 and XXXX XXXX- XX/XX/2021. I demand the deletion of these inquiries from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CO)

Starting on XX/XX/2022, I am getting emails to my personal email address about an auto loan being opened. I have not opened any loan and Wells Fargo is doing nothing to help with the issue. It seems the person has put the wrong email on their account and now I am getting their information. I have attached the email, that has the last XXXX of the account number and the other person 's name. I am also getting mortgage emails now, also attached. I am of course worried that my identity has been stolen and Wells Fargo is doing nothing to help.
Consumer complaint received 2024-03-20
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. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (FL)

I was going over my credit report when I noticed Items that was not authorized and I would like it to be removed. 
XX/XX/XXXX Experian/ XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$470.00} XXXX  XXXX XXXX XXXX  XX/XX/XXXX {$680.00} XXXX XXXX  XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX  XX/XX/XXXX {$200.00} XXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX Home Furnishings Stores XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX  XXXX Credit Cards XX/XX/XXXX XXXX Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-07-03
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

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

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

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

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

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

Mistaken Identity XXXX XXXX  Account Number : XXXX Delete this account. 

The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (WA)

On XX/XX/2022, I was contacted by a company named Veterans United. The representative stated they would help me qualify for a VA loan and requested my SSN, driver 's license and current Leave and Earnings Statement ( LES ). I supplied my SSN but began to question their legitimacy and declined to continue the process. After checking my credit report on XX/XX/2022, I see they placed a hard inquiry on my credit report. I froze my reports but want to ensure no further damages to my credit report occur.
Consumer complaint received 2024-03-20
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. (TX)

XXXX of XXXX XX/XX/XXXX Speedy cash/curo XX/XX/XXXX Speedy cash XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Financial ser XX/XX/XXXX SYNCB/Paypal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Nowcom/ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Stellantis XX/XX/XXXX
Consumer complaint received 2023-07-03
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. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX Balance : {$8900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-03
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 am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard.I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.