davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$25000.00}
Consumer complaint received 2022-11-02
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. (PA)

There has been an ongoing identity theft dispute with XXXX XXXX XXXX XXXX for the last year plus concerning 2 credit cards opened and used fraudulently as I am a victim of identity theft. XXXX on XXXX initiated a transfer of {$4100.00} without my prior consent or permission for the total of the credit cards that are currently being disputed. This violates several of my consumer rights per the FDCPA, FCRA, and EFTA as they are making collection activity while the account is in dispute, in addition these accounts are reported as being charged off on my consumer report which is causing me great harm and suffering as I am unable to extend credit as a result of inaccurate information being reported on my consumer report. There has been an ID theft report submitted from local law enforcement, an FTC report in addition to an ID theft affidavit. I have also provided previous notice from a former employer of a data breach of my SSN and previous address which these accounts were opened under.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (SC)

I disputed credit card account with Experian listed on my Experian XX/XX/2022 credit report copy in XX/XX/2022 that the account IS NOT MINE. I contacted the credit card company prior to disputing credit report and the credit card company confirmed the card IS NOT MINE. Experian claims the information is correct and that credit card is mine.
Consumer complaint received 2023-04-04
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open XXXX XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}, and DEPT OF EDUCATION/XXXX  XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}. Please remove this account ASAP as this was result of fraud.
Consumer complaint received 2022-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

PHH mortgage stated that I must have my " Borrower Acknowledgement '' form dated and signed in the presence of a notary. The following request was completed and returned to PHH mortgage prior to the deadline provided. I received another document from PHH mortgage dated on XX/XX/22 stating that the agreement received was missing a co-borrowers signature or the signature was illegible. This is a false statement as I have a " LEGIBLE '' copy of the original document signed on XX/XX/22 by " BOTH '' borrowers ... XXXX XXXX XXXX and XXXX XXXX. This document was completed in the presence of a notary. 

Please see the attached documents proving their reason for not finalizing my loan modification was false. 

I have had numerous complaints filed against this company and unfortunately their lack of professionalism and knowledge pertaining to my loan has not only affected my interest rate but my credit history as well. I hope the federal and/or state government holds the responsible for their mistakes.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX  credit bureaus to validate these accounts ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I am requesting that you re-investigate the inaccuracy in the information that your credit bureau has investigated this last XX/XX/XXXX, regarding my car loan debt. The debt in question was incurred with my bank three years ago and was subsequently charged off for an amount of {$5100.00} back in XX/XX/XXXX. 

I have noticed that my credit report now shows a different amount of {$6100.00} which is an inaccurate balance. I have no record of any further activity or transactions related to this loan after it was charged off, and I was not notified of any additional charges or fees. Therefore, the reported amount of {$6100.00} is incorrect and should be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), and 15 U.S. Code 1666 you are required to maintain reasonable procedures to ensure the accuracy of the information in my credit report and I have the right to dispute the accuracy of any information in my credit report that I believe to be incorrect.. However, the continued listing of this inaccurate balance despite previous investigation suggests that your procedures have not been adequate in this case.
Consumer complaint received 2024-10-28
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. (FL)

I dispute these items under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which mandates that a consumer reporting agency may only furnish a consumer report under specific permissible purposes. I have not authorized the use of my credit report for these purposes, and thus this information should not appear on my credit file.

Furthermore, I believe this situation may involve identity theft, as defined under 18 U.S.C. 1028A. The use of my personal information for unauthorized credit transactions constitutes aggravated identity theft, which carries legal penalties. I request a thorough investigation to verify the legitimacy of the reported information and remove any data that can not be validated.

Additionally, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) outlines requirements for safeguarding personal information. I expect that your agency will comply with these standards by ensuring my information is protected from unauthorized disclosures and is only used in accordance with my explicit consent.

Please conduct a prompt investigation into this matter and provide me with the results in writing. I also request that you send me an updated copy of my credit report showing the corrected information
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX Acct # XXXX shows incorrect XXXX day late payment for XX/XX/XXXX. On XX/XX/XXXX I was notified by XXXX 's that they had sent a correction to consumer reporting agencies. I have contacted Experian several times as well ( XX/XX/XXXX & XX/XX/XXXX )
Consumer complaint received 2022-11-02
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: NAVY FEDERAL CREDIT UNION (PA)

There has been an ongoing identity theft dispute with Navy Federal Credit Union for the last year plus concerning 2 credit cards opened and used fraudulently as I am a victim of identity theft. NFCU on XXXX initiated a transfer of {$4100.00} without my prior consent or permission for the total of the credit cards that are currently being disputed. This violates several of my consumer rights per the FDCPA, FCRA, and XXXX as they are making collection activity while the account is in dispute, in addition these accounts are reported as being charged off on my consumer report which is causing me great harm and suffering as I am unable to extend credit as a result of inaccurate information being reported on my consumer report. There has been an ID theft report submitted from local law enforcement, an FTC report in addition to an ID theft affidavit. I have also provided previous notice from a former employer of a data breach of my SSN and previous address which these accounts were opened under.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc. (MI)

In early XXXX I discovered that my identity had been stolen by a XXXX XXXX in XXXX, XXXX. I looked at my Moneylion bank account, among my other accounts, and discovered that {$990.00} in unauthorized transactions had been made. On XX/XX/XXXX I informed Moneylion of the charges and issued a dispute as well as filing a complaint with the FTC. On XX/XX/XXXX Moneylion closed my account citing DDA, refused to issue any refund for the charges, and refused to send me any copies of my monthly statements that I require for tax and welfare purposes and do not have as they were only kept digitally. I have sent a dispute letter to Moneylion as of XX/XX/23 and they have signed for it and recieved it.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nevada Credico, Inc. (NV)

I received a call from XXXX saying that I was being sued and they needed to know what time I would be home to serve me the documents. I asked what company was suing me and the name of the civil case server agency was Quantum. Phone # XXXX. I called to find out what I am being sued for and it was for an old credit card that was sold to them to collect on the debt. I did not receive any letter that they now are the collection agency for this debt. Quantum had all of my personal information, I did not tell them my personal information. Quantum rep said that they are suing me because the law states that they can collect on the debt from the last payment received in 10 years. The statute to collect credit card debt in Nevada is 3-6 years. I call the credit card company and I was told that my account was sold to XXXX XXXX XXXX in XX/XX/XXXX. The last payment received was in XXXX. I called XXXX XXXX XXXX and I was told they are not trying to recover the debt, sue me or take legal action. The XXXX debt service rep told me that they did not sell my file to Quantum. Quantum told me that they are suing me and would not disclose any information because they said I will find out in court the information they have about me to sue me. Then I called Quantum again and the rep said they have not filed to sue me until I am served documentation, even though they told me they already filed to sue me. Both credit card and collection agencies told me they did not sell my information or sell my information to Quantum or anyone else.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA VIOLATIONS NOT MINE CREDIT CARD XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. {$130.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. 
NOT MY ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type Single family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY SS XXXX NOT JOBS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOT MY NAMES XXXX XXXX NOT MY INQUIRIES XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2022 I tried to file a claim on my prepaid card I never received, and I was wrongfully denied. I've been trying to get the cash back that had been taken from my account. Bank of America stated the had a " XXXX liability policy '' for customer protection on fraudulent transactions on the account. I called the claim department and I was told to periodically check back in. This was the XXXX time an incident like this had happened to me. So I waited for about a week I got a police report. Also sending in a picture via fax of my id, just like the claims agent suggested. And for it was originally denied using there fraudulent filter they had just been instructed to stop using by a federal court judge in XXXX. I had received a packet in the mail from the bank giving me a picture and information on the evidence being used to guide their decision. And it was clear that I had received an automated response because they have my id picture I sent. And it's clearly someone I don't know. I have called all year long and was told my claim was stuck in pending. And I've been lied to and neglected and been unfairly treated trying to call the claim department seeking a simple response for a conclusion for my claim and since their filter originally denied my claim I would not receive any provisional credit. I've called all year long, they originally told me it would only take XXXX days to reach a conclusion. After that time passed I was told XXXX business days. Then after that passed they only offered to put in numerous complaints on my behalf even when I ask not to, because I felt like I was closed in running into dead end after dead end, with the claims department the full calendar year of 2022 they still tell me my claim status is stuck in pending and there is no time frame to reaching a conclusion and they can take as long as they want, this is absurd. I would like for a this this to be settled. And paid finally because the claims department for bank of America is very unprofessional. And I do feel as if the members of claims do not care. I did everything I possibly to help the process and in return they play games and delay when they could simply fix the problem. Thank you