davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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 — Problem with personal statement of dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Dear Consumer Finance Department, I am writing to bring to your attention a significant error on my credit report that has had a detrimental impact on my credit score. The incorrect information has been placed on my credit report by XXXX XXXX at XXXX XXXX, and I am seeking your assistance in rectifying this matter promptly. 

To provide some context, I resided in an apartment at XXXX XXXX  until my lease agreement expired. Prior to leaving the premises, I returned the keys to the management and ensured that all outstanding bills were paid in full. I fulfilled all my obligations as a responsible tenant, leaving the apartment in good condition. 

However, subsequent to my departure, the property was sold to a new owner who seemingly failed to review my lease agreement accurately. Despite my adherence to the lease agreement and fulfilling all financial obligations, the new owner claims that I owe them money. This erroneous claim has led to the inclusion of a debt on my credit report, which has significantly impacted my credit score. 

I possess concrete evidence to support my claim of returning the keys and providing timely notice of my lease agreement 's expiration. I kindly request that you review this evidence and investigate the matter thoroughly. It is of utmost importance to me as I am currently in the process of purchasing a home, and this unjustly negative credit report is hindering my progress. 

I kindly urge you to take immediate action to rectify this situation. Please remove the inaccurate debt from my credit report and update my credit score accordingly. I am confident that with your expertise and intervention, this matter can be resolved swiftly and satisfactorily. 

Thank you for your attention to this urgent matter. I am eagerly anticipating a prompt response and resolution to this credit report discrepancy. Should you require any further documentation or information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

There are many inaccuracies within my consumer report. See enclosed attachments
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

My mortgage has been assigned to Rushmore Servicing from Rushmore Loan Management Services effective XX/XX/2023. I received a letter with a new loan number, and have been trying to pay my XXXX payment since XXXX XXXX. The online and automated telephone systems at Rushmore Servicing do not recognize the loan number. I have attempted to use every single option on the automated system ( name, telephone number, social security number, loan number ), and none are recognized. I called the Rushmore Loan Mgt Svc number, their system recognized my old account but threw my call back over to the new company. There is no way to get to a representative to resolve this and I still have not been able to make the payment. Please advise, I have never been late on this mortgage in 24 years!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft and have enclosed a copy of my FTC /identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

You are in violation for reporting Inaccurate, incomplete, or unverifiable information. 

This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. the information does not relate to any transactions that I have made ; therefore ; I am writing to request that you place an immediate block on the fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
By law you can not decline or rescind this request because : The block or request by the me ( the consumer ) is not in error Was not requested on the basis of a material misrepresentation of fact by me ( the consumer ) I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. / 15 USC Code 1681 c-2
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

I have to duplicate collections on my account that are incorrect they are the same amount and same companies I would like this duplicate collection taken off I have called the company they said once they report a account they can not take it off can you please help me remove these inaccurate information Here are the names XXXX XXXX XXXX, ORIGANAL COMPANIE. 
11 XXXX XXXX BALANCE OF {$710.00} I C SYSTEM, ORIGANAL COMPANIE. 11 XXXX BALANCE OF {$710.00} the remarks also state Affected by natural disaster this is completely incorrect
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This collection below has already been cleared/paid for and needs to be removed from my credit report as soon as possible. Please see the clearance and payment receipt in the attachments. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) These inquiries are fraudulent and do not belong to me : XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2021-03-09
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. (FL)

Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Here is the problem I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate.I pulled my credit report from XXXX XXXX On XXXX I mailed a certified letter to all 3 credit bureaus, XXXX, TransUnion and XXXX. 30 days after they received that letters they did not update or delete the accounts. On XXXX I sent another certified letter to all 3 bureaus again asking them to do another reinvestigation on the same accounts and again the accounts were not updated or deleted. 

Here is a copy of the original letter I sent out on XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX, XXXX and Trans Union XXXX  Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX  # XXXX XXXX ) Date of Last activity : Transunion reported date XXXX, XXXX reports date XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX XXXX XXXXXXXX XXXX ) Date of Last Activity : TransUnion reports XXXX XXXX reported XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX XXXX XXXX 1 ) Date Of Last Activity : TransUnion reports XXXX XXXX reports XXXX Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 




Sincerely yours, XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

these addresses are nonmailable XXXX my personal infomation is being compromised XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX
Consumer complaint received 2020-12-18
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. (CA)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2023-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern, I am writing this complaint in the hopes of helping to fix a broken component of the 3 credit bureaus reporting system. 

When consumers pay to pull a credit report when checking on an individuals credit history, they do so in the hopes of receiving accurate information. 
This supposed accurate information helps the consumer to make a decision as to whether to do business with someone, give them a loan, lease a car, or let them rent an apartment ETC. One assumes that the credit bureau themselves have done the proper due diligence for this information to be available. 

Truth be told, the 3 credit bureaus have a policy now to NOT allow the individual landlord, or in fact, any landlords that have less than XXXX units, ( or in the case of transunion, less than XXXX units ), to give any information about renters who have stopped paying their rent. The 3 unions refuse to take this information. Of course, tenants who stop paying their rent and even never pay what they owe the landlord at all, are the kinds of consumers that other landlords, loan brokers, and car dealerships etc hope to discover when they pay for and pull a credit report. This should not be the case. 

In fact, even when a small claims court judgement is rendered, they now will no longer notify the 3 credit bureaus as they have found it too cumbersome. So even with a court judgement and proof that someone has ongoing ( even years of ) unpaid rent, that information will not show up on their credit report. 

This helping the credit bureaus bottom line should not be allowed and should be rectified. 
The 3 credit bureaus are selling a service in good faith, whereby with their information consumers make meaningful and expensive business decisions. It is the credit bureaus ( legal? ) responsibility to do their due diligence and give the business consumer accurate information since when paying for the 3 credit bureaus services, that is what the business consumer is assuming they are getting.

If the 3 credit bureaus not care to fix this injustice, then a large capped disclaimer should be at the top of every single generated credit report stating all the exclusions of bad credit that the credit report WILL NOT REPORT. In the case of delinquent renters, these are massive in numbers as many of the rental units across the country are in buildings with less than XXXX units and XXXX units respectively. 

I hope and trust that this matter will not be passed over. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-14
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2022-10-23
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. (TX)

Company of complaint XXXX For account for XXXX XXXX XXXX XXXX : {$8900.00} XX/XX/2019 My wife and I have been disputing an account on our file for months. ( Joint account t ) We have both sent in burden of proof with court and email documents that this account is over inflated and fraudulent. XXXX investigated my wifes file with proof, and had removed it from her file but yet still on mine stating its been verified which is false. It is joint account and should be removed from both at the same time. XXXX does not do a thorough investigation on files at all. Ive had disputes where one minute its under investigation and literally minutes later stating it has been completed and accurate. They have non American speaking reps to answer your calls and does nothing or understand a word you are explaining to them. You can not upload documents on their website XXXX out of XXXX times and making it hard to dispute. It has been removed from my wifes XXXX and XXXX and needs to be removed all together. 
This account has been removed from my XXXX a year ago but yet still fighting with XXXX and Experian. Why we have to have 3 to 5 bureaus to show your identity is insane.
Consumer complaint received 2023-10-04
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. (NC)

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 2023-10-04
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. (MN)

In accordance with the fair credit reporting act the creditor " XXXX XXXX XXXX '' violated : 15 USC 1681 section 602 Right to privacy 15 USC 1681 section 604a section 2 A credit reporting agency can not furnish an account without my knowing.

15 USC 1666 B A creditor may not treat a payment as late for any purpose.
Consumer complaint received 2023-10-04
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

This account was paid off in XXXX of 2022. As per I have requested that this account be removed from credit report as it is reporting as potentially negative. In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604 a Section 2, states that consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-09
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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
Consumer complaint received 2024-03-11
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. (FL)

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

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 2023-08-14
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. (TX)

Why are you continuing to report this account when I notified you that the company has agreed to remove it from my credit report? You failed to conduct an investigation, even when I sent proof that my identity was stolen as well as the debt delete letter from the company. XXXX has since removed this account, yet you are still reporting it when all data furnished should be consistent. If this is not removed from my credit report within 7 days, I will be seeking monetary compensation and taking this to small claims court due to negligence and violation of the FCRA.
Consumer complaint received 2022-10-19
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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