davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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)

In XXXX of 2022, I was made aware that several loans with XXXX had been opened fraudulently under my name. Because I was unaware they had been opened, I had several late payments reported and some charged off on my Experian report before I could attempt to stop them and contact XXXX I have contacted XXXX directly, filed a police report, and contacted Experian 's fraud department and provided all the documentation they have requested in an attempt to dispute and have the fraudulent loans removed from my report. Neither XXXX nor Experian have removed these fraudulent accounts despite providing the documentation they requested.
Consumer complaint received 2022-12-07
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. (NY)

In accordance with the fair credit Reporting act XXXX Account # ending in XXXX XXXX XXXXXXXX, has violated my rights. 

In regards to my previous dispute it has been over XXXX days and they have failed to provide the documentation into this investigation. 

The credit agency did not provide any valid proof to deny of my claims. They just validated my complaint that they provided information to the credit collection agency without my explicit written consent. If my signature is on file giving creditor the explicit consent to furnished extremely detailed reports to consumer reporting agency I would like to receive a copy of that document for my review. If said document can not be provided within XXXX days these alleged late payments should be removed expeditiously. 

15 USC 1681 Section 602 States I have the right to privacy. Creditor is not allowed to disclose detailed information to a consumer reporting agency with my express written consent to do so. Once again creditor did not provide this document with my written consent. Until they can provide this document I reiterate that these allege late payment be removed expeditiously 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not provide any written instructions to any agency to complete this transaction. I am requesting proof of a written signature acknowledging my formal consent. If you can not provide this proof of wet signature, you are obligated to remove all late payments from my credit report within XXXX days. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. Creditor violated my right be reporting alleged late payments to your agency which under law they do not have the right to report as a transaction.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (PA)

I had a settlement on XX/XX/XXXX closing by XXXX XXXX XXXX a title company for a mortgage obtained by qualifying me as the borrower the mortgage company was Movement Mortgage. My complaint is that the loan officer XXXX XXXX XXXX XXXX and assistant loan officer XXXX XXXX XXXX XXXX refused to allow me to decline the escrow impound and the advanced corporate cushion despite my meet qualifications 40 % down payment and my good credit with no 60 days late after numerous requests. The most recent request made to return my escrow impound and the two advanced corporate cushion was made on XX/XX/XXXX with the same answer given which was this isn't something we can help you with. I have notified the underwriter and have not gotten any response and I have sent an email to corporate as well. The option to escrow or to decline was marked x to escrow by the loan officer not by my mark or hand. I was not given the option to escrow or decline because no option was offered. Acting discriminately the loan officer made that decision despite my wishes to decline escrow which I have done many times in the past having qualified with a 40 % down payment and good credit there was no reason not to offer me the two options which were never offered nor discussed so I plea to ask for my escrow taken against my wishes and wish to open a complaint of discrimination acting outside the requirements of Banking regulations both loan officers XXXX and XXXX. I kindly ask that my escrow be returned to me in the amount of {$10000.00} and a cushion amount {$3000.00} as stated on page 4 of 5 in the Loan disclosure document that I will provide as well as the emails sent with the request denied yet again. Thank you.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Prince Parker & Associates (TX)

I filed a dispute in regards to inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I have not received any investigation results.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-11-02
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

the XXXX account # XXXX thats reporting on my credit report has inaccuracies that makes this report invalid!!! in transunion date opened XXXX while in XXXX says XX/XX/2021 date last active all 3 bureau has three different dates!! PLEASE DELETE THIS INVALID DEROGATORY REPORT THAT'S HURTING MY CREDIT SCORE IMMEDIATELY!!
Consumer complaint received 2022-10-02
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. (MD)

I recently reviewed my credit profile and noticed inaccuracies/incomplete information and accounts that are unverified. According to the fair credit reporting act, Section 611 ( 5 ) ( A ) and 15 USC 1681i, the below XXXX  accounts have violated my rights as a consumer. These companies have violated several of my rights, as stated below. 


Violated Rights 15 USC 1681a ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681a ( 2 ) ( a ) ( i ) - ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1692j ( a ) ( b ) - ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1681g ( a ) ( 5 ) - a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

18 USC 894a ( 2 ) ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

15 USC 2509j The full faith and credit of the United States is pledged to the payment of all obligations incurred under this section Company : XXXX XXXX XXXX Dates : XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX Action : Late payments illegally reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Action : Violation of 15 USC 1681g ( a ) ( 5 ) " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Company : XXXX XXXX Dates : XXXX XXXX XXXX  Action : Violation of 15 USC 1681g ( a ) ( 5 ) " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Violation of 15 USC 1681a ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-02-24
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)

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. 

Acct number : XXXX Acct name : XXXX XXXX. 
Acct number : XXXX Acct name : XXXX Acct number : XXXX Acct name : XXXX XXXX  XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX XXXX  Acct number : XXXX Acct name : XXXX XXXX XXXX XXXX number : XXXX Acct name : XXXX XXXX Dismissed Acct number : XXXX Acct name : XXXX XXXX  Acct number : XXXX Acct name : XXXX XXXX  XXXX Acct number ; XXXX Acct name : XXXX XXXX XXXX  Acct number : XXXX Acct name : XXXX XXXX XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX number : XXXX Acct Name : XXXX XXXX Dismissal Acct number : XXXX Acct Name : XXXX XXXX XXXX As 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 writing instruction. 15 U.S.C 1681 C. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer repot containing any of the following items of information any other adverse item of information, other than rords of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s- 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 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

Ive recently submitted disputes to all XXXX of the major credit agencies in hopes of cleaning up errors on my credit report. I own a XXXX company that I literally jumped in and grew with no help, just hard work and determination. Ive recently started having problems with getting better contracts and clearances because of the items being reported on my credit report. With the help of the internet Ive learned how to properly communicate with the credit agencies in order to get these items removed. Experian has notified me that they will no longer work on my disputes because they didnt think it was me writing the letters in spite of me including identifying items like my drivers license and mail with my current address. What is it about me that would make them assume that it was not me? Was it because my photo identifies me as an XXXX American man? Are they suspicious of me because of my hair or the way I look in my photo that Im not intelligent enough to fight for the rights the The Fair Credit Reporting Act gives me as a consumer? Considering they dont know me, what other reason can it be other than XXXX? Whatever the reason, I'm highly offended that by taking action to improve my credit report that they would try to hinder me in this way. The things they report about me are required to be done with great accuracy. Their reporting has a direct impact on how I pay my bills and feed my family. Not investigating my dispute after Ive notified them of errors is a direct violation of The Fair Credit Reporting Act. I have been researching and I know that this violation is a fineable offense and I am not above taking legal action next. Im filing this complaint to put on record as notice to this organization and others of their XXXX tactics designed to stop minorities from improving their credit.
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. (PA)

I been going back in fourth with all 3 credit company, for years now how my info was stolen back in XXXX of XXXX. And multiple accounts and banks account was open from somone. And also I called to have my birthday change on XXXX they have my birthday set as XXXX witch I was born in XXXX
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD IN MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT ARE LISTED.
Consumer complaint received 2023-11-02
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. (TX)

XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023. 

I've asked the Experian to remove the fraudulent accounts and inquiries from my credit report, they did not even open and ignored my CFPB COMPLAINT ID : XXXX. They did not even attempt to look at the complaint notice and I know my rights under the FCRA.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (GA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-12-20
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: CREDIT ACCEPTANCE CORPORATION (GA)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts, due to the XXXX Data Breach identity Theft. Each creditor and credit bureau is violating the 81 USC 1028 ( a ), which is aggravated Identity Theft, which I am very disgruntled about. Also, according to FCRA 605 B, this Information must be blocked immediately. Also, in pursuant of 51 USC 1681, B. The credit bureaus by law aren't allowed to furnish anything on a consumers credit report without the consumers Written Consent. XXXX, XXXX, and XXXX, and each creditor who listed fraudulent information on my credit report is violating the law, and if this is not fixed then you al will be held {$1000.00} per violating. Please comply. The following accounts that are fraudulent are listed below : Credit Acceptance-Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX- Account Number : XXXX ( Date Opened : XX/XX/XXXX ). Also, 1 Inquiry : XXXX ( Inquiry Date : XX/XX/XXXX ). This is my second time disputing this account information and XXXX and each of the above creditors are in violating of the laws and if these fraudulent accounts issue on my credit report is not removed within 4 days, according to the law, then I will be taking XXXX to court and will be filing a lawsuit.
Consumer complaint received 2019-12-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Sent several dispute letter asking for how this public record was verified I have a letter from the courts stating that they dont give records out to 3rd party agencies and I have a security freeze on my XXXX  XXXX.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

Under fair credit reporting act, I am being discriminated against because of age. 

Im being assessed as a minor, at least that what I have gathered based up the responses ive received.

I dispute the accuracy or completeness of the information.

Furthermore, an evaluation at the doc has declared me as an XXXX
Consumer complaint received 2023-03-26
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: Navient Solutions, LLC. (PA)

In accordance with the fair credit reporting act, this company has 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 my written instructions