davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I co-signed for a car loan with Capital One. The vehicle was traded in on XX/XX/2022 with XXXX XXXX. I have 30 days late showing on my credit and my credit score was reduced by over XXXX points. I contacted Capital One by fax asking them to remove the late payment. In the fax, I talked about the status of the loan on Capital One 's XXXX phone number said the title was released on XX/XX/2022 and the loan was paid off on XX/XX/2022. I don't understand how the title was released before the final payment was received. I have never had any 30 day late payments. I believe the payment was made on time because the title was released on the XXXX. I am wondering if race has something to do with the reporting to the credit Bureau. Capital One denied removing the late payment. I know they have ability to waive or remove the late payment. They just denied my request. I feel like I am being penalized because they have the dates backwards of when the title was released versus the date the loan was paid
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

The bankruptcy on my credit report is inaccurate. There was never a case tried or seen, and no judgment was made. Please remove this account immediately : Bankruptcy XXXX XXXXDischarged Reference number : XXXX.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (OH)

On Thursday morning I got a deposit on my chime account of XXXX. Somebody logged into my chime account & changed my email & phone number on the account. So my account was put on hold & new cards were sent out. They spent {$820.00} from my credit builder account & {$200.00} from my checking account, the merchant name is XXXX the website isn't even legit enough to talk to anyone to get documents pertaining this. Both of my disputes got denied through chime. The credit builder account took 2 days & the checking account took a few hours after denial. I called chime multiple times & they still didn't have a reason why it was denied.
Consumer complaint received 2022-06-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (SC)

The beginning of XX/XX/2022 I put in a bid for the house on the XXXX XXXX XXXX XXXX XXXX South Carolina my realtor XXXX XXXX call me and say that I won the bid I got in contact with my lender which was XXXX XXXX we talked about what all she had to do far getting things in order to close a week went by & I call to touch bases with her she telling me shes working on it as we speak and looking to close XX/XX/2022 the next week XXXX XXXX gave me a rundown on how things need to go & what she was needing from me the the 3rd week of XXXX she told me things was going when I call & text XXXX that Thursday she didnt answer my call or text nor my realtor XXXX XXXX XXXX avoided us for a day when she call she was asking for things IVE already given to her & she told me she couldnt use my XXXX XXXX housing certification XXXX which is {$5000.00} I keep asking her whyi couldnt use & why you r needing all this stuff again when I have given it to you XXXX kept coming up with EXCUSES about documentation work Verification my pay etc on Monday I call XXXX asking her whats going on she still coming up with excuses I then XXXX will I still be able to close on the XXXX of XXXX XXXX couldnt give me an answer I received a call from XXXX XXXX representative asking if I had gotten insurance elsewhere I call XXXX again asking her did she not speak with them because I emailed XXXX all the information she needed for the insurance XXXX ask if I could resend it again and I did I thing told XXXX XXXX dont think you understand you are PLAYING with my livelihood Ive Gotten everything at my apartment to be turn off on the XXXX and everything that needed to be turned on at XXXX XXXX XXXX XXXXurn on so Im spending my money and the only thing you can stay is IM SORRY. DEALING WITH XXXX IVE HAD TO pay {$150.00} to have thing turn on then had to GO back to have everything turned OFF AT XXXX XXXX & everything at my apartment turn back which I now have to spend money to stay if possible the remaining of the month that I didnt have Ive paid for inspection, appraisal and termite inspection out of my pocket XXXX waiting until Thursday @ XXXX to tell me I will not be closing on my house 5DAYS before closing & couldnt give me and answer why. She only can tell me shes sorry.I try reaching out to XXXX on Friday I ask her to call me providing my name & number I went to XXXX XXXX spoke to XXXX a Reception at the days of XXXX sreception at the Deas of XXXX s office a I call XXXX @ XXXX am she stated she was at home heading to the office waiting on the underwriter to get back in contact with her XXXX call me back at XXXX Friday saying she was still waiting on the underwriter XXXX showed no concern where Im to lay my head after XX/XX/XXXX Im stressing cant sleep nor eat because im trying to figure out where im to lay my head AFTER XX/XX/XXXX I feel like Ive been discriminated disrespected discourage and mislead by XXXX XXXX and CERTAINTY HOME LOANS
Consumer complaint received 2024-02-19
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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (TX)

There are multiple inquiries thats I dont recognize on my credit report. These accounts arent attached to an open accounts, nor am I benefiting from any of these inquiries. I would like to state that Experian is in violation of my consumer rights and the FCRA. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - No Permissible purpose. I, XXXX XXXX, NEVER gave Experian WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. This is public information, I can only assume Experian broke the law knowingly and willingly which is another violation of my consumer rights- Pursuant 15 U.S.C. 1611. According to the FCRA consumer reporting agencies must delete inaccurate, incomplete, or unverifiable information. 

XXXX XXXX XXXX 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
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (IL)

I have been trying to get ahold to the 3 bureaus about my consumer file concerning some things being furnished on my consumer reports however, I have not been able to get assistance regarding my files and need assistance. thanks
Consumer complaint received 2022-09-29
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. (VA)

Please be advised that XXXX XXXX XXXXXXXX Account # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 Please know that this is the second time I filed a complaint and still hasn't been resolved. 

I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according XXXXo Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing.
Consumer complaint received 2022-06-05
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. (TX)

Sending Equifaxs response to my recent complaint. I submitted a police report along with a identity affidavit for fraudulent inquiries that were not removed from an identity theft case I submitted back in XXXX. The CFPB is supposed to be advocating on my behalf but is allowing Equifax to break the law By the FCRA law, when identity theft is reported the credit bureau is either supposed to suppress the information or delete it. It is not on the victim to report it to every creditor. The credit bureau is supposed to work for the consumer, not the creditor, I provided the information & reported it to them
Consumer complaint received 2022-06-05
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. (TN)

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX -XXXX  Account # XXXX XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information 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 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 2019-03-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (GA)

Hello, On XX/XX/2019, I applied for a line of credit with Regions bank for {$40000.00}. The home does not have any liens associated with it nor does it have a mortgage. I was declined for the line of credit due to my credit. However, I met the score requirements and the other requirements for approval. Furthermore, I contacted the mortgage division through phone and the rep stated " The amount of the loan was too much for my property. '' No one did any comps on a property in two hours in order to make that determination in such a small amount of time. My banker even responded with a lower number, the underwriter still did not approve it. Once again the banker and the mortgage division rep stated the same thing, " it's your credit. '' It's no way my credit was an issue, because I met the requirements. I truly believe Regions declined my line due to the fact I was XXXX and staying in a predominantly XXXX area. The fact that the underwriter did not respond with a lower number, further lets me know something is not right.
Consumer complaint received 2022-06-05
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. (IL)

I have written the bureaus several times concerning erroneous reporting on my credit profile. I began contacting them on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Per Fair Credit Reporting Act 15 U.S.C 1681 15 U.S.C 1681 602 ( a ) ( 4 ). States I have the right to privacy.

Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 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 U.S.C 1681 604 ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The following accounts are infringing on my rights. 

1. XXXX XXXX XXXX Account Number : XXXX You have verified the account and its reporting. This account can not be accurate. It is an open collections account with an illegally re-aged date of last activity. Experian has the date of last activity as occurring in XXXX. You both get the same information from the furnisher so why such a discrepancy? 

2. XXXX  XXXX XXXX Account Number : XXXX This account is also reporting as an open collection after I have disputed it several times. There is a lot of information missing in its reporting. 

3. No Furnisher Listed Account Number : XXXX This account does not even have a name for the furnisher.
Consumer complaint received 2022-06-05
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 with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Account # XXXX " XXXX '' Account # XXXX " XXXX 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
Consumer complaint received 2022-06-05
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, " XXXX XXXX XXXX '' Account # XXXX " XXXX '' Account # XXXX " XXXX 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
Consumer complaint received 2022-06-05
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 Act XXXX/XXXX  XXXX  XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (TX)

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-05
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, DPT ED/XXXX  Account # XXXX, DPT ED/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
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are 7 addresses on my Transunion Credit Report that are in correct and one is on the report 2 times. The following addresses need to come off my report. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX NEVER LIVED HERE OR GOT MAIL XXXX XXXX XXXX XXXX, XXXX, FL XXXX NEVER LIVED HERE OR GOT MAIL XXXX XXXX XXXX, XXXX, FL XXXX NOT XXXX ON REPORT TWICE XXXX XXXX XXXX, XXXX XXXX, FL XXXX NEVER LIVED HERE OR GOT MAIL XXXX XXXX XXXX, XXXX, TN XXXX NEVER LIVED HERE OR GOT MAIL Any of the other addresses on the credit report are correct. I don't care what Transunion states, I want the above off my credit report.
Consumer complaint received 2022-06-05
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)

In accordance with the Fair Credit Reporting act 1. XXXX XXXX Bank, Account # XXXX, Address ID # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX 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
Consumer complaint received 2022-06-05
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. (NY)

There are items on my report that are not mine. I have disputed this information with the companys and the credit bureau and the information still remains. I would like it removed immediately.