davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-28
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. (CA)

Experian has accused me of using a third party credit repair agency. Additionally there is NO law that states a consumer can not use a third party, so Experian using that as an excuse is irrelevant.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TX)

MY IDENTITY WAS STOLEN AND SOMEONE TRIED TO RUN MY CREDIT NUMEROUS TIMES ACROSS ALL THE MAJOR BUREAUS, I HAD MY CREDIT RUN OVER 30 TIMES FOR ALL DIFFERENT TYPES OF BANKS THAT I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THESE INQUIRIES ARE ALL FRAUDULENT AND HAVE NO PERMISSIBLE PURPOSE. XXXX XXXX, XXXX, AND XXXX  have FAILED TO RESPOND TO MY REPEATED ATTEMPTS TO REMOVE A FRAUDULENT ACCOUNT THAT WAS PLACED BY WF/DILLARD I have called, mailed, and disputed online and they still have not to removed the account even though WF/DILLARD confirmed it was fraudulent. I HAVE MANY ACCOUNTS IN GOOD STANDING AND THIS HAS BEEN AFFECTING ME FOR YEARS. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Consumer complaint received 2020-12-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
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. (NC)

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2020-04-06
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 a account XXXX XXXX XXXX for a account that was a XXXX account that was paid in full this account was compromised by the XXXX  breach is was to be removed by the Credit reporting companies this account was removed by XXXX and by XXXX  back between XX/XX/XXXX and XXXX but is was not removed by Experian This needs to be removed today
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I recently viewed my Credit Report from each Beaureau, which shows a Bankruptcy Chapter XXXX on my reports. I have contacted each with a Validation of Information with no response after 45 days. The bankruptcy was never verified as mine and also shows date completed as N/A the Plaintiff also as N/A. The last four numbers of social security # showing on the reports is invalid. The info on this Collection is invalid and is not my debt. Please delete this off my report as of now.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (IN)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Hello, Mazda Financial is reporting my payments on my XX/XX/XXXX and XXXX XXXX bills as more than 30 days late. However, this is a result of poor processing by the Mazda Financial telephone agent.

Based on my own records, and confirmed by Mazda Financial, on or about XX/XX/XXXX I called Mazda Financial to authorize full payment on my account. Mazda Financial has confirmed this. Accordingly, my XX/XX/XXXX invoice should have been timely paid. 

However, the telephone agent did not fully draw the authorized amount. Because of this, the amounts I paid at the end of XXXX ( received 31 days after XX/XX/XXXX ) were deemed late payment on my XX/XX/XXXX invoice and subsequent payments have been tagged as 30 days late ( because bills I was intending to pay at the time of invoice were then deemed applied to the older bills ). 

I called again this morning when I received my notice that the dispute was not resolved to clarify this error and I was told, again, that they acknowledge I called to make payment but because I did not catch the agent 's error prior to the 30 day mark Mazda Financial will not take the late payment mark off my account. 

I truly feel this does not accurately reflect anything about my credit history, and it is literally going to cost me money on all future borrowings.
Consumer complaint received 2017-08-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

When I first applied for my first of two loans back in 2011, they ended up talking me into a payment plan that would allow me to repay while in school at a lower rate. Once the grace period ended, my rates went from 4 % to a staggering 9.12 % without any warning. I 've tried numerous times to do an income based plan, or something else but because of the type of loan I have ( The " Smart Student '' Option ), I 'm not allowed to do, or even to do deferment. All I can ever hope for is Forbearance, which makes my rates go up while I try to play catch up. I want to pay back my loans because that 's the right thing to do, but I need them to work with me as well and they clearly do n't care about their customers.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$64.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2022-10-27
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (FL)

I never signed a mortgage with Truist Mortgage or had a mortgage since XXXX. 

Truist Mortgage acct # XXXX reported to XXXX CREDIT BUREAU as having a mortgage relationship with me. The one and only mortgage I have had was null and voided in XXXX and my credit file was to no longer be touched after XX/XX/XXXX by anything included in the process. 

Truist Mortgage has never had business with me and should be removed off my XXXX CREDIT REPORT
Consumer complaint received 2024-03-21
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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc (WA)

Collection Agency : Financial Assistance Inc. 
Type of disputed information : Move out charges of {$1100.00}, which is bogus and unsubstantiated Dates associated with item being disputed : XXXX After moving out of the apartment complex, the Landlords falsified damage charges and refused a refund of security deposit. The move-out sheet, filled with pencil, was fraudulently signed and dated by the landlord where the tenant ( myself ) should have signed. This was done after multiple attempts to reach the landlord to schedule a move-out inspection. In addition to withholding the {$400.00} security deposit, the landlord charged an additional {$910.00} for alleged carpet damage. Not only were the charges unsubstantiated, they were illegal according to the Revised Code of Washington under the Residential Landlord Tenant Act. 
After reviewing the supporting documents received on XX/XX/2018, it is apparent that the total charges did not provide reasonable evidence of claimed damage during my tenancy. Therefore, I formally disputed these charges and interest incurred. 
The photos provided from the creditor were all referring to routine housekeeping charges, which according to the move-out report and receipts, accrued to {$130.00}. There is no proof of damage done to the carpeting, which I was being charged {$910.00} to replace. 
I have discussed the inconsistencies in the move-in /move-out report with the creditor in the past, as well as the inconsistencies in their written and verbal communications. I have also indicated that the {$400.00} security deposit has been unlawfully withheld. 
The {$400.00} deposit was unlawfully withheld because no move-in checklist was conducted. As per the Residential Landlord Tenant Act, ( RCW 59.18.260 ), a checklist specifying the condition of the unit must be signed by the landlord and tenant upon commencement of the lease. Because no move-in inspection was conducted, the landlord had no right to assume damages were from my two year tenancy. After multiple requests, no photographic proof of alleged carpet damage was provided. The collection agency, Financial Assistance , Inc. also failed to provide any proof of carpet damage. Not only was no photo evidence provided, the landlord and collection agency couldn't provide any receipt validating the need for carpet repair. Financial Assistance Inc, did not even do the bare minimum to make sure the alleged damages existed, and instead went on the word of the landlord that hired them.
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 got a letter from XXXX XXXX XXXX stating that they are representing Bank of America but Bank of America sold debt to a 3rd party but they are claiming that they are representing Bank of America.
Consumer complaint received 2021-06-30
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. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSNXXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Transunion multiple times informing you of this, and you too have failed to verify these inquiries Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please remove the following inquiries from my credit report immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-08
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. 

Account name : XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Agency name : XXXX XXXX XXXX, Date : XX/XX/XXXX, ( {$480.00} ) Agency name : XXXX, Date : XX/XX/XXXX, ( {$2.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date : XX/XX/XXXX ( {$260.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date XX/XX/XXXX ( {$170.00} ) 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, 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 2020-12-27
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$1300.00}, {$0.00}, {$1800.00}, {$1300.00}, {$0.00}, {$2700.00}, {$0.00}, {$22000.00}, {$19000.00}, {$0.00}, {$19000.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 











2. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXXXX/XX/CONTFINCO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

6. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXXXX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

11. XXXX XXXX XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- COLLECTION ACCOUNT 13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account.
Consumer complaint received 2021-06-30
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. (CA)

There is one account on my credit report that does not belong to me I have not opened used or know what this is I need this off my credit report ASAP!!! This is not my account XXXX XXXX XXXX - Account # XXXX Amt {$0.00}