davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (CA)

On XX/XX/year> I sold a car and took the Release of Liability to the XXXX, XXXX  DMV.. On XX/XX/year> the new owner gave the keys to his XXXX  grandmother who was pulled over and cited for talking on her cell phone. The car was impounded. I received a lien letter from the towing company ( XXXXXXXX XXXX XXXX ) in XXXX, XXXX. A year later I received a collection letter from Lien Enforcement , Inc. in XXXX, XXXX  stating that I owed {$3500.00} for towing and storage. The towing company stated that the documentation from the XXXX  DMV named me as the registered owner : period, end of subject. They would not consider that the car had a new owner. I called Lien Enforcement , Inc. and they would not budge either, and stated that the Release of Liability that I mailed them was not stamped by the XXXX  DMV. This morning I got the local DMV to produce a stamped copy of the Release of Liability. If this affects my excellent credit, I will sue Lien Enforcement , Inc . I am a XXXX XXXX XXXX XXXX  woman who I'm sure they think they can bully into making payments on this fraudulent debt.
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: Experian Information Solutions Inc. (GA)

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 Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX, Account Name : XXXXXXXX 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 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 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE EMPLOYEES CREDIT UNION (OR)

Please refer to attached response from NCSECU for relevant dates, details, and summary of issue. 

I share the mortgage and ownership of a home that I used to live in with my former partner. My former partner forgot to make her deposit into the account we both share which is set up to auto-draft the monthly mortgage payment. SECU does not offer notification of late payment by any means other than physical mail. The first notification I received that a payment was late was when I received a call from collections after the payment was 30 days past due. The payment was made on the same day. The paper letter notifying of the late payment was delivered a few days later. The delinquent payment was reported to credit reporting agencies and has adversely affected my credit. 

After contacting SECU, they were unable to offer any solutions to be notified of a missed payment any sooner than the physical mail.They were also unwilling to have the delinquent payment removed from my credit report. 

Based on the events, I do not feel like the delinquent report accurately reflects my credit worthiness as a borrower. If I could have received notification of the late payment at any time before the 30-day window I could have made the payment. It was an honest mistake by my former partner, and I do not feel like my credit history should bear this mark.
Consumer complaint received 2024-03-19
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. (OH)

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 Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-03-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NH)

Please refer to complaint ID : XXXX submitted on XX/XX/XXXX. 

I pointed out that Experian took over 30 days to investigate in this complaint. XXXX of the items that I disputed was removed, but a few of the items still remain. According to the Fair Credit Reporting Act, the dispute must conclude within 30 days of receipt of complaint. I never received a return receipt when I sent my dispute via certified mail. All I got from Experian was a canned response 60 days after I submitted my CFPB complaint. The beginning process of these disputes, and Experian 's lack of response started in XX/XX/XXXX of XXXX. Experian 's violation of the Fair Credit Reporting Act has been ongoing. Here is my response to their re-investigation : Dear Experian, Thank you for your response regarding my dispute on XX/XX/XXXX, through the CFPB Complaint Portal. I appreciate the time and attention you have given to my concerns. However, I must express my disappointment that Experian has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) with regards to my dispute. 

Specifically, the FCRA requires consumer reporting agencies to investigate and resolve disputes within 30 days of receiving the dispute. In my case, I filed my dispute on XX/XX/XXXX, and yet, Experian failed to provide any proof that they conducted the investigation and resolved the dispute within the XXXX timeframe. Instead, Experian stated that the result summary was sent to me for review on XX/XX/XXXX, which they need to require proof of the return receipt via certified mail. Nonetheless, they have a long history of non-compliance ( see documents attached in XXXX ). 

Furthermore, I never received any correspondence indicating that Experian had received my dispute. According to the FCRA, consumer reporting agencies must inform consumers in writing that the dispute has been received within XXXX days of receipt. I never received any such notification from Experian. 

Therefore, I request that Experian provide me with proof that the reinvestigation was conducted within the XXXX timeframe required by the FCRA, and that they provide me with written notification that they received my dispute. 

If Experian is unable to provide the requested proof, I ask that they delete the disputed item ( XXXX ) from my credit report immediately, as they have failed to comply with the requirements of the FCRA. 

Here are the items listed on my credit report that are still violating my rights : XXXX account number XXXX, and the inaccurate late payments on XXXX XXXX Account Number : XXXX I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX
Consumer complaint received 2023-03-04
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)

On XXXX XXXX, 2023, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 XXXX  data breach as well as XXXX 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00}
Consumer complaint received 2023-03-06
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. (WI)

Account # XXXX I was made aware via my credit report that there is a charged off account in the " installments accounts '' section of my credit report by the name of XXXX XXXX XXXX. This account does not belong to me and I did not permit anyone to utilize my personal information to open this account. I have reached out to the credit bureaus many times to dispute this and no proper or fair resolution.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was in the hospital in the XXXX from XX/XX/XXXX to XXXX XXXX a XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX due to XXXX. I was not alert or oriented except for the last two days of my hospital stay, I was XXXX and in a XXXX. My husband who has never paid the mortgage never thought about XX/XX/XXXX mortgage because at the time they were not sure if I was going to live or die and he has never paid the mortgage. 

However, on XX/XX/XXXX he called in to make the XXXX payment at the advisement of our children and found out that he needed to make XXXX 's payment as well. He made both payments that day. 

XXXXXXXX XXXX hit both of our credit reports with a 30 day late mortgage. Once I found that out I contacted XXXX XXXX in XXXX of XXXX and got up to the supervisor of the call center, She pulled the tape recording of my husband calling in on the XXXX, and said since he did not tell her I was in the hospital with XXXX  at that time they can not change our credit report. They did not ask my husband why the payment was late either. My husband didn ; t know he needed to tell the bank I was in a XXXX XXXX XXXX due to XXXX. If he had known that they needed that information he would have given them that information. I was so upset because she said that had he told the call center at the time it wouldn't have gone on our report but because he did not they will not remove it. 

I was vaccinated and boosted and still ended up with XXXX, XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have XXXX children and 5 dogs that my husband was trying to balance with the real possibility that I was going to die. 

We had a significant reduction in our credit scores because of this reporting. We are trying to refinance our home to use some of the equity because I could not work for several months, and just now I am back to work and working up to full-time. My husband served our country in the XXXX for 30 years and this is how we are treated? If he told them when he called in XX/XX/XXXX they would not have put it on our credit report but since he did not they will not change it. I have a full medical report to go with statement of XXXX and XXXX and XXXX XXXX. I also had XXXX..
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

There's so much going on with fraud and ID theft, and now that I'm paying closer attention to my report, I want to be sure it's accurate. I sent a letter to the bureau with attachments CLEARLY showing my name and address ( State ID - Social Security Card - Bill ). I don't understand why the corrections haven't been made.
Consumer complaint received 2023-03-04
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)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to XXXX. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
Consumer complaint received 2023-03-06
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)

it has been XXXX years XXXX keeps replying to my disputes with a verified message. consumer reporting agencies must CORRECT OR DELETE INACCURATE, INCOMPLETE OR UNVERIFIABLE INFORMATION. 


XXXX XXXX XXXX XXXX  ACCOUNT # XXXX invalid phone number ( XXXX ) XXXX XXXX. 

invalid address. XXXX XXXX XXXX # XXXX XXXX, ca XXXX reporting incorrect information for over 4 years please delete or provide validation
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TomoCredit Inc. (CT)

TomoBoost : Their service charges a monthly fee to report a minimum credit balance of {$5000.00} on credit reports. This did report the XXXX month in XXXX XXXX. It did not report as it should in XXXX, XXXX, or XXXX. I wrote an email and requested my account be closed and requested a refund of fees. Email is the only way to contact them. I received only what seemed like AI generated responses and my account was not closed. 
Their phone number does not take calls. 
My account was not closed and I was charged again in XXXX. 
I have emailed several times this month without success.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account name : XXXX XXXX Account number : XXXX has violated my rights. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. 

Account name : XXXX XXXX. XXXX has violated my rights. 

Account name : 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 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my permission.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I discovered that some accounts on my credit report were incorrect when I reviewed them. 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 without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need 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 XXXX
Consumer complaint received 2023-03-04
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. (LA)

In Accordance with the fair credit reporting act. the list of accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX CARD # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, DPT EDXXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX # XXXX Have violated my rights 15 U.S.C 1681 section 602 A States I have a 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 written instructions.

15 U.S.C 1681 c ( 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 conviction of crimes which antendates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) Apersonshall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2023-03-04
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)

So I sent a letter off on XX/XX/2023. To remove personal information I don't want on my credit report. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is supposed to share my information with third party people. 
These are clear violations of my federally protected consumer rights, Also 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. 
XXXX XXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX xxxxx XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX  XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX xxxxx 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 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