davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (WY)

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 bureausmust check these items ( A ). It is unacceptable to list these items as unverified 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
Consumer complaint received 2024-03-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for {$120.00}, XXXX XXXXXXXX XXXX for {$37000.00}, and XXXX XXXX XXXX for {$330.00} 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
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
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: Experian Information Solutions Inc. (AZ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX NJ XX/XX/2023. As of today XX/XX/2023 I have yet to receive the title for the vehicle. I had to file a complaint with both the NJ attorney General and with the NJ XXXX. Being I live in XX/XX/XXXX a vehicle is not an accessory but a necessity. Unfortunately XXXXXX/XX/XXXX I assume committed some type of scheme and I was never issued a title leaving me unable to register the vehicle. Nevertheless was updated by the attorney general that NJ XXXX has suspended XXXX Cars license to operate and investigating and needing time to recreate a title. Still leaving me without a vehicle. Based on my Contract Retail installment agreement my finance company is strictly listed between me and XXXX XXXX no other parties. But on my credit report a finance company claims to have interest in the sale in which I never agreed or signed any agreement with anybody beyond XXXX XXXX. Based on Federal Law NMSA 56-1-15 my retail agreement does NOT meet all the requirements outlined for the the 3rd party to have anything listed on my credit report which is damaging my credit credibility and score. I would like the company to remove all information that is listed on my credit report to prevent a defamation claim from being filed against them.
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being.
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PRIMAVERA FINANCIAL, INC. (TX)

PrimaHealth is reporting a charged off account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. PrimaHealth is in violation of the FDCPA and I am requesting that this account is deleted from my credit reports!
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
XXXXXXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am exercising those rights to ensure the accuracy of my credit information. I kindly request the prompt removal of the inaccurate late payment information from my credit report, as it is adversely affecting my credit score and overall financial standing.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1989 I am writing to express my deep concern and frustration regarding multiple apparent violations of important consumer protection laws that have had a significant and distressing impact on my financial well-being and personal life. I am reaching out to your esteemed organization to seek assistance in addressing these violations and enforcing my legal rights. 

The violations in question are related to my interactions with several creditors who have reportedly engaged in practices that may breach consumer protection laws. The following are the specific violations that I have identified : Unauthorized Credit Pulls under FCRA : Instances : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : Unauthorized access to my credit report without my authorization, as outlined in FCRA Section 604 ( a ) ( 3 ) ( F ). 
Inaccurate Information on Credit Report under FCRA : Instances : XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX Violation : Inclusion of inaccurate and unverified accounts on my credit report, contrary to FCRA Section 611 ( a ). 
Inaccurate Personal Information on Credit Report under FCRA : Instances : XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Violation : Inclusion of incorrect personal information on my credit report, against FCRA Section 607 ( b ). 
These violations have not only caused significant emotional distress but have also had a tangible negative impact on my financial life. The errors on my credit report have led to denied credit applications, increased interest rates, and even hindered my ability to secure housing. As a result, I have faced financial hardships that have strained my ability to provide for myself and my family. 

To provide a personal story that underscores the emotional toll of these violations, imagine a scenario where you've diligently worked towards achieving your dreams, only to find your efforts thwarted by the misinformation on your credit report. This distressing situation has resulted in missed opportunities, sleepless nights, and an overwhelming sense of powerlessness. 

Given the gravity of these violations and the ensuing hardships they have caused, I am kindly requesting the Consumer Financial Protection Bureau to intervene and assist in enforcing my legal rights. I implore you to work towards ensuring that the involved creditors rectify their actions and remove these unverified and erroneous accounts from my credit report. 

Your support in resolving this matter would provide immense relief and a renewed sense of hope for a brighter financial future. I appreciate your attention to this urgent issue and kindly request a timely response to this dispute. 

Thank you for your dedication to protecting consumer rights and fostering fair business practices. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-12-22
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. (FL)

I received copy of my credit report and i still don't understand why are you reporting these accounts, which were fraudulently open. The companies were agreed, that these were not my accounts, i have never applied for it, They don't have any proofs with my signature. Someone applied for these companies using my personal information, Iwas victim of identity Theft.
Consumer complaint received 2023-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP (OH)

XXXX XXXX XXXX XXXX Us Bank XXXX XXXX XXXX XXXX OH XXXX RE : Adverse Action Dear Us bank I the consumer and natural person. was denied credit by Us bank when I applied for a {$25000.00} personal loan and this is the XXXX time Ive been discriminated against Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are criminally liable for violating 15 U.S.C 1691 as I have proof that i was discriminated against by US bank due to the response I received. US bank is in violation of 15 U.S. Code 1642. U.S.C 168lm and 12 cfr 1002 because I, the consumer. made an application in good faith, but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of companies name if US bank fails to make any reasonable procedures ( claims ) to resolve this matter and compensate me for the use of my credit card I will be making US bank criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for all the violations ( ( {$10000.00} ) per violation ). Thank you, XXXX, XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I noticed some personal information that is being reported on my consumer report that is inaccurate and I want deleted. Per 15 U.S. Code 1681 you must maintain 100 % accuracy and follow the written instructions of the consumer to whom it relates. My consumer report has several non mailable addresses that needs to be deleted and several names that are NOT my name. Please see the attached a dispute letter
Consumer complaint received 2023-03-31
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. (NY)

As of XX/XX/2023 Ive notice this fraudulent ACCOUNTS AND INQUIRIES this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19
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. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX  XXXX  XXXX  XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. US SM BUS ADMIN ODA XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX  XXXX  XXXX, XXXX XX/XX/XXXX 9. XXXX XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX  XX/XX/XXXX 17. XXXX  XXXX  XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX
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: EQUIFAX, 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 2024-03-14
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. (VA)

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 2023-03-02
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2023, I applied for a credit card through Wells Fargo and was illegally denied. 
After being denied, I send an adverse action letter to Wells Fargo on the XXXX of XXXX. I have yet to still hear from them in regards to my demands for remedy. 

As per 15 U.S.C 1691, and 12 CFR 1002.4, a consumer can not be denied credit based on any aspect of a credit transaction.

FRA 16 Part 2 states that my application was collateral security in a credit transaction. I was not granted the use of my credit, but my credit was used and there was unauthorized use of my Personal Private Information. 
18 USC 8 defines what other securities are in regards to the US debt.

15 USC 1431 defines the duties and powers of banks. The power of a bank is to BORROW.

15 USC 1602 ( J ) defines an 'open ended " credit plan. 

I will also send a Notice of Default to Wells Fargo for not responding to my Adverse Action letter or my demands for remedy. 
The only form of communication that I will consent to is written. 
Further non-compliance will result in a Notice of Fault & a suit filed in US District Court.
Consumer complaint received 2024-03-14
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX