davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. 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. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
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. (GA)

Improper Use of my Consumer Reportin accordance with the Fair Credit Reporting Act this creditor below has violatedmy rights under 15 USC 1681 section 602states, that I have the right to Privacy >XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXX/XX/XXXXXXXX 15 USC 1681 section 604 ( a ) sec 2, states that a CRA can not furnish an accountwithout my written instructions. Under 15 USC 1666 ( b ) a creditor maynot treat a payment on a Credit Card Account under an Open-ended consumer credit plan as Late for any Purpose.
Consumer complaint received 2023-10-24
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. 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. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

This is in response to complaint XXXX. Equifax is being disingenuous. I sent them credible evidence which was actually the cover page of their credit report and their letter and they STILL HAVE NOT SENT ME A CREDIT REPORT!
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I have been asking for months to update the information in my credit report, I have called and sent letters attaching all the information that supports my data, but to date, they have not changed the erroneous information, I do not have an SSN, I only have ITIN XXXX  There have been too many months that I have been affected, this has limited my professional growth, causing me to lose money by losing opportunities. Additionally, they send me a report where they do not mention my personal information, only 02 sheets with 03 sides with information and the last one blank.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Citizens bank continues to overdraft my account numerous times. Ive had enough! Stop these fees now! Give me an ability to freeze my account so I can control my balance. Please return my money, I am going to file a compliant every single day until my money is returned. This is not an honest business. You tell customers banking is free but then you literally steal thousands of dollars per account each year at an APR of 1000 % +. This is not a bank this is a mafia.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS ()

In early XX/XX/XXXX I was informed that my information in LexisNexis databases include the indication " PEP '' ( politically exposed person ). This information potentially affects my business liasons and is incorrect. 

I have been elected as a deputy of Legislative Assembly of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX for a five-year term. 
According to Part 2 Article 3 of the Law of the XXXX XXXX dated XXXX On status of the deputy of Legislative Assembly of XXXX XXXX the term of the powers of a deputy begins on the day of election and ends on the day the the new convocation of the Legislative Assembly of XXXX XXXX. 
Therefore I ceased to be a politically exposed person in XXXX, and have not been involved in any other matters which could qualify me as a political individual then and ever since. In other words, I have not been a politically exposed person for almost ten years, and shall not be classified as such. 

I informed LexisNexis of these facts and requested removal of my PEP status via e-mails and filing of the online forms on LN website ( case XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ), all in vain. To my requests I attached the following documents : passport scan ( for identification ), french residence permit and utility bill ( confurms my address ), legal opinion of XXXX XXXX XXXX XXXX XXXX XXXX ( which confirms the fact that according to the XXXXXXXX XXXX I ceased to be a PEP almost 10 years ago ). 

In the automated replies received from LexisNexis the latter requests the following : " In response to your most recent email received on XX/XX/XXXX, we ask that you contact the LexisNexis Consumer Center at XXXX between the hours of XXXXXXXX XXXX and XXXX XXXX EST, Monday through Friday, and a representative will be happy to assist you. '' I tried to contact LN via phone, but no representative answered. The only answer was a robot requesting a social security number, which I do not have ( for I am not a XXXX XXXX  ). 

To my knowledge my PEP status in LexisNexis databases is still the same. And as a result ( bearing in mind current international political situation ) my business reputation and reputation of my relatives suffers. 

Please assist me in removal of the incorrect information about PEP status od XXXX XXXX from LexisNexis databases.
Consumer complaint received 2023-10-23
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. (FL)

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
Consumer complaint received 2023-10-23
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. (FL)

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
Consumer complaint received 2023-10-23
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. (TX)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CO)

My home mortgage loan was with XXXX XXXX -- a terrible company. They sold it off to an even worse company called Mr. Cooper. The transition did not go smoothly and despite my due diligence and responsiveness, I was receiving numerous alerts from Mr. Cooper. When I tried to contact them, it's impossible by phone or email. At any rate, my complaint is that they inundate me with what I feel are predatory lending emails : Daily, they tell me to take out loans against my equity... I worry that they are preying on people who need money and will respond to their non-stop marketing campaigns. I have asked numerous times to be taken off their marketing email list to no avail. I hit " UNSUBSCRIBE '' over and over again and yet these marketing emails telling me I can get loans against the equity in my home persist. I am reporting this company. I do not like or trust them. I do not want my mortgage with them. Taxpayers in the U.S. should be able to move their loans. It's despicable that XXXX XXXX ( who I didn't originate my loan with ) sold it off to Mr. Cooper. I had no choice and I am now stuck with this horrific, predatory company.
Consumer complaint received 2023-10-23
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: WELLS FARGO & COMPANY (IL)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : WELLS FARGO FINANCIAL XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO FINANCIAL customer service representative.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this tuation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all iformation associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off {$0.00} I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 
1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2023-10-23
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX
Consumer complaint received 2023-10-22
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. (GA)

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 2023-10-22
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. (OH)

During the course of this loan, communications from the company were being supplied via two different emails causing important notifications to be sent into my junk/spam folder and missed. 

The dates of my repayments were modified and set without my review or approval. 

In my attempt to pay a day before my payment was due, it would not allow me to as it was already processing. Another time it said I was passed due. Making it difficult to actually make payments. 

But the real and what I consider the biggest issue, is that when I was unable to make my payment because their system wouldnt allow me to ( and it would have been paid a day early ) ; it was after that they issued an email stating WE LEGALLY CAN NOT PULL THIS PAYMENT FROM THE ACCOUNT ON FILE. ( We can pull future payments. ) needing my authorization to withdraw the funds! An authorization I NEVER gave!! However, 2 days after that email they took the money out. When it was brought to their attention I was told they considered it a future payment, unfortunately it was not a future payment, it was their attempt to recover the previous payment I was unable to make due to their system. 

They violated their contract with me and have now destroyed my credit covering up their illegalities!!
Consumer complaint received 2023-10-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

**SECOND DISPUTE** This dispute is a follow up to my previous communication regarding the inaccuracies on my credit report, I received a response from BANK OF AMERICA XXXX XX/XX/2023. Regrettably, the response provided is alarmingly general, and the lack of specific details indicates that a thorough investigation was not conducted. The ( ATTACHED ) reply essentially confirms the accuracy of the reported account information without addressing the concerns I raised. 

It is imperative to note that the inaccuracies in my credit report have far-reaching consequences. Not only do these inaccuracies impact my credit score and financial standing, but they also have a damaging effect on my reputation and hinder my ability to access credit. The inaccuracies essentially constitute a form of defamation of character, as they unfairly tarnish my financial reputation. Such consequences are in direct violation of the spirit of fair and accurate credit reporting. 

Furthermore, the failure to conduct a comprehensive and good faith investigation is not in compliance with the legal obligations set forth under the Tennessee Consumer Protection Act ( Tenn. Code 66-28-516 ), which prohibits deceptive or unfair practices in trade and commerce that adversely affect the public interest. 

Given the gravity of the situation and the implications for my financial and personal well-being, it is imperative that Bank of America conducts a thorough and diligent investigation into the inaccuracies in my credit report. Failing to do so may necessitate further legal action to rectify the harm inflicted upon my financial and personal well-being.
Consumer complaint received 2023-10-24
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
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. (OH)

I have recently reviewed my consumer report and notice that there are two accounts that are not reporting correctly or has been verified neither have i given written consent to disclose this information which is a viloation of my privacy. I'm asking this accounts be deleted from all of my consumer reports immediately to prevent future litagation. According to the FCRA all accounts must be accurately. U.S.C 15 1681 ( a ) ( 4 ) states '' There is need to insure that consumer reporting agency exercise their grave responsibilities wit fairness, impartality, and respect for the consumer 's right to privacy. I did not provide written consentfor the accounts below to be reporting on any of my consumer reports. 
XXXX XXXX and XXXX needs to be removed.