davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Consumer complaint received 2023-08-07
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. (PA)

hello my name is XXXX XXXX I recently went to purchase a car thinking I had a blank credit report because I have never used my ssn to obtain anything other than my house in my name. they informed me in the dealership that my credit score was mid XXXX. a shocker to me. I created a XXXX XXXX account to check my credit and there were several fraudulent accounts reporting on my report. I notified my local police department and filed a complaint with the ftc. I would like the following inquiries listed below removed from my credit report as they as fraudulent and I do not know who opened them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (CA)

The last few months I became a member with XXXX XXXX. Recently I received several emails stating XXXX a excellent match for some credit cards. I applied for two cards. One with XXXXXXXX XXXX and the other one XXXX XXXX. I was denied. Upon contacting both credit card institutions I was told Credit Karma reports fraudulent information to its customers logging in to keep their numbers up. I have supporting conversations between Credit Karma and myself with apologies for reporting fraudulent information to there consumers.
Consumer complaint received 2024-01-05
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

On XXXX XXXX XXXX  after being denied for an apartment, I pulled my Consumer credit report and found that possible violations of my consumer rights according to TITLE 15. 

A XXXX XXXXXXXX XXXX is negatively and inaccurately reporting an old credit account I had with them as a CHARGE OFF Status on my consumer credit report. 

This account was a XXXX XXXX XXXX funded by me, the account holder. 

XXXXXXXX XXXX XXXX  is reporting against this account as if they suffered some type of damages. They did not loan any monies to fund this account. All monies were provided by the account holder when the account was opened. 
XXXX XXXXXXXX XXXX  did not send me at 1099C if they did Charge off this debt. 
XXXX XXXX XXXX is reporting my performance on this account which was a XXXX XXXX. 
I was not given any notice before this information was added to my consumer report. 

The reporting of this inaccurate information is harming me and hindering me from obtaining services on credit. 

Per 18 USC 1028 ( a ) Since I did not give permission for them to provide this information to my consumer credit report, this would be considered Identity Theft.
Consumer complaint received 2023-08-07
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. (AZ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 2023-02-01
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. (NC)

Currently have a dispute with the debt collector XXXX, services. Because it appears that they are unable to verify the debt, continues to report a negative balance on my credit report. This is a unfair and deceptive way companies take advantage of people of XXXX. 
I filed a dispute with Experian. Now it appears that XXXX is reporting to Experian, as of XX/XX/XXXX, that this debt as accurate. 
I provided screenshots of the companies response to the cfpb and Experian refuses to remove this debt. Of course Experian won't provide what they received from the debt collector because that is not how this game works. I am kindly asking CFPB not to closed this case, and accept some scripted response from Experian, but to look at what I am submitting again.
Consumer complaint received 2023-05-14
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: Experian Information Solutions Inc. (IL)

Experian once again has went over 60 days of their investigation. two investigation case number XXXX and XXXX both times it was not completed. my complaint date was XX/XX/2023 they responded XX/XX/2023 these accounts should be deleted XXXX XXXX XXXX acct XXXX, XXXX acct # XXXX, XXXX addresses
Consumer complaint received 2019-03-01
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: CARRINGTON MORTGAGE SERVICES, LLC (AR)

XXXX XXXX XXXX sold the VA mortgage loan to Carrington. Im not military. Im not even on the loan but ex husband is. I dont live at the house with the va loan and am being sued for foreclosure. I attempted to sell the house previously but realtor denied my right to sell and has a conflict of interest for business. I want the foreclosure dismissed and removed from my credit report
Consumer complaint received 2023-02-01
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. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-01-05
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: Experian Information Solutions Inc. (AR)

I trust this letter finds you well. I am writing to express my ongoing frustration and disappointment with the persistent issue of late open accounts associated with my account, despite my prior attempts to address and rectify this matter. 

I previously communicated my concerns, outlining the numerous attempts I had made to resolve the late open account issue. Regrettably, the matter has not been adequately addressed, and the problem persists, causing considerable inconvenience. 

I would like to recap the previous attempts made to rectify the situation : Initiated contact with your customer service department to inquire about and address the late open account. 

Follow-up communication with customer service after the initial inquiry did not yield a satisfactory resolution. 

Submitted written documentation and supporting evidence to demonstrate the discrepancy in the open account. 

Escalated the matter to a supervisor or manager within your organization, seeking a more authoritative intervention. 

Despite these efforts, the late open account issue continues to persist, and it is disheartening to note that my concerns have not been adequately addressed. This situation has not only impacted my trust in your company but has also affected my financial stability and overall satisfaction as a customer. 

I understand that issues may arise, but the lack of resolution and communication regarding this matter is unacceptable. I kindly request your immediate attention to this ongoing problem, with a commitment to resolving the late open account issue promptly. 

I expect a thorough investigation into the root cause of this problem and a comprehensive response outlining the steps your company will take to rectify the situation. Additionally, I request transparent communication regarding the timeframe within which I can expect a resolution. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues to seek redress. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00}.
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo closed my account because of fraudulent activity in the year XXXX. 

I had a XXXX account opened afterwards and deposited money orders from XXXX. 
These money order added to the amount {$1500.00} and was never cleared into my XXXX  account and then had my XXXX account closed. 
I also never received any money orders or checks to claim my money because on top of the money orders deposited into XXXX they belonged to Wells Fargo Wells Fargo has my money that was wrongfully taken from me.
Consumer complaint received 2023-02-01
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. (MS)

I am aware that my SSN belongs to the ( XXXX XXXX XXXX XXXX  XXXX and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EXPERIAN ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX for the account opened XX/XX/2020 with account number XXXX and XXXX XXXX XXXX XXXX for account opened XXXX XXXX with account XXXX. Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EXPERIAN ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Consumer complaint received 2020-07-10
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: ID Analytics, Inc. (NV)

On XX/XX/XXXX I co-signed for a used car auto loan at XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX, OH. The dealer said XXXX XXXX agreed to be the lender and the payments would be {$170.00} beginning XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX to XXXX  the application number is XXXX. They stated we were informed by XXXX XXXX XXXX XXXX XXXX that it was considering the credit sale or lease of a XXXX XXXX XXXX to you and asked whether we would be prepared to accept your obligation if the transaction was completed. 

They went on to say, you ( XXXX XXXX ) was the co-applicant and XXXX XXXX was the applicant. We must regretfully inform you that we were not agreeable to handling the proposed transaction Since the letter was addressed to me they were referring they based it their decision whole or in part from the credit reporting agency one being XXXX. I pulled my credit report from XXXX   and below is just some of the very positive credit information. 

Credit score - XXXX - Excellent lines of credit - 6 Credit Utilization - 3 % Credit file has enough history on your use of bank card/credit cards The balances on your account are not too high compared to loan limits You have a few or no accounts that were opened recently The date you opened your oldest account is not too recent. 

However they claimed they obtained my credit score from XXXX  and used it in making their decision. How can this be possible? Could this be a possible case of discrimination again a senior citizen? A female? Or are the employees just plain XXXX  at XXXX  and dont know how to read a credit report? 

Then I went to XXXX  to obtain the information that have for me. It seems they want to charge me for seeing my information. That seems unfair and perhaps illegal. 

Ally referenced Sagestream is owned by XXXX so to drum up more business Sagestream XXXX borrowers into paying for XXXX XXXX. Sage claims total account balances ( I have 1 ), limited history for my phone ( Ive had the same number for approximately 20 hrs, ), number of inquiries ( there have been only 2 ), length of residence too short ( I have owned this home for 10 years ). I believe Sage is scamming to get business for XXXX and plan to file a formal complaint against them as well. 

Additionally, I have been customer with XXXX for over a year buying Certificates of Deposit and having a current savings account with a current balance of {$30000.00} which is 5 times the amount of the loan amount. 

Please investigate this matter. 

Respectfully, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

I sent in dispute letters to challenge this accounts reporting on my credit. I sent letters on XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} {$0.00} 5.60 % XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} {$0.00} 6.00 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$0.00} 3.40 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} {$0.00} 4.50 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} {$0.00} 3.40 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 6.80 % XX/XX/XXXX XXXX AI XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} {$0.00} 6.80 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4500.00} {$0.00} 5.60 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX
Consumer complaint received 2023-08-01
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated. Thank you. 
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 2023-02-01
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. (CO)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
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: EQUIFAX, INC. (TX)

In accordance wit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

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 XXXXXXXX, XXXX XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 15 USC 1681, Section 602A, states I have the right to privacy.

15 USC 1681, Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than 7 years.

15 USC 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.