davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you well. I am writing to express my deep concern and frustration with the unresolved issues related to fraudulent items on my account. Despite multiple attempts to rectify the situation, these fraudulent entries persist, causing significant distress and financial hardship. 

I would like to outline the unsuccessful attempts I have made to address and remove the fraudulent items from my account : Despite my persistent efforts, the fraudulent items remain on my account, adversely impacting my financial standing and creditworthiness. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I understand the seriousness of dealing with fraudulent activities, and I expected a swift and thorough response to protect my interests as a valued customer. However, the lack of resolution has left me deeply dissatisfied and compelled to escalate this matter further. 

I urge you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request a detailed explanation of the steps your company is taking to prevent similar incidents in the future. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I XXXX have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (NV)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (DC)

I have been paying mortgage into escrow instead of a one time payment. In XXXX, I made a complaint to the CFPB re : issues with transfer of the escrow payments into mortgage. The issue was corrected manually through the XXXX office. In XXXX I called the mortgage department and had the customer service agent transfer funds manually from escrow to mortgage and they were able to do that. What they did not do was show the mortgage as paid in XXXX and XXXX. In XXXX I put in another sum into escrow and this time the agents are refusing to transfer the payments into mortgage. Instead they are saying that they would get into trouble etc. I do not have any information on how much of the loan is pending as the agents are not providing any information as to how much is in escrow.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Ever since XXXX I have requested experian and XXXX to remove these fraudulent accounts due to identity theft. They didnt do nothing in XXXX and XXXX but Experian remove the account and put it back on the report within a hour in the same day, when they must give you a 5 day notice of reinsertion. So both of these credit bureaus told me that both of my police reports and ftc reports were fake and instead they did a verification of the accounts to the maximum accuracy and I ask them why they denied my fraud report and I ask for method of verification and they said they dont have the information. I told them if they dont have the information that they must delete. The fcra 15 USC 1681 sec e ( b ) that my accounts my be accurate to the maximum accuracy or delete the accounts. I also looks my Experian credit report, for your name, address and other items they have identifiers, so they can try to prove that the XXXX XXXX XXXX account and the other accounts under dispute right now, they switch the address from the address where the account was really open at and put my address I love at now but the house wasnt even built in XXXX or XXXX, these are over 120 days this year along where these accounts must be deleted because of non verified, inaccurate information reporting negative information under my report. So since they said the police report is fake if they dont remove this items I will give the police the letter and force them to subpoena in court, they didnt verify the accounts after they rejected the fraud ftc so the accounts should be immediately remove. I also approved for a {$440000.00} loan but got denied after a repulled where those accounts became charge off. I got denied XXXX cars for XXXX  and other loans as well, lost {$12000.00} bc XXXX mark two of my positive accounts as fraud when I never disputed those. These two bureaus has cause so much damage in my life, cause me to be on medication for XXXX and XXXX. And hurt me financially, this is why I will never give up but it will be court from this point forth. I highly advised those bureaus to look at that inaccurate information and removed it because it is passed there time and tell XXXX to not forget about the other accounts, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, that they have as a charge off and the other account thats at this moment is under dispute. Not one of these accounts are accurate
Consumer complaint received 2023-11-14
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)

XX/XX/2023 Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXXDOFED Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

I have filed several disputes with XXXX and XXXX regarding the Department of Education/NelNet inaccurately reporting my student loan that was forgiven via the Public Service Loan Forgiveness in XXXX of this year. 

I provided XXXX and XXXX with letters from XXXX and NelNet ( dated XX/XX/ and XX/XX/, respectively ) confirming the discharge of the student loan debit in its entirety and a " XXXX '' balance. The NelNet letter includes a line item showing payment in full in the amount of {$39000.00} made to clear the account on XXXX 

The same documentation was provided to XXXX and XXXX and the balances were updated to " XXXX '' with those credit bureaus. 

XXXX and XXXX state the Department of Education/NelNet continue to report the balance and have verified the balance is accurate. 

I submitted disputes to XXXX on XX/XX/XXXX XXXX and XX/XX/ and to XXXX on XXXX XXXX and XXXX regarding the balance being incorrect. I submitted multiple disputes just in case I mistakenly selected the wrong reason. 

I am submitting this complaint against XXXX and XXXX because XXXX and XXXX were able to update the balance correctly after reaching out to the loan servicer/provider. 

However, if it turns out the Department of Education and NelNet are giving out inaccurate information to select credit bureaus, I would like to file a complaint against them as well.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

They are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. Without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ]. The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my TransUnion consumer report on XXXX without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/XXXXXXXX to XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

Vanilla Gift card purchased at XXXX XXXX XXXX in XXXX XXXX, FL on XX/XX/23. Was given to me later that day. Upon opening part of the XXXX number was scratched off making it unusable. After many calls to XXXX, Vanilla they told me it was likely fraud scam and to send an email to XXXX including documentation requested. Many months later they issued a new card. I activated the card, but it had a XXXX balance. As shown on the attched screen shot from the transaction history they put the {$160.00} onto the new card, then they removed it the next day. I called several times and finally they said they would need to issue another card and this would correct the problem. New card also had XXXX balance. I sent another email to XXXX on XX/XX/23, but have yet to receive any response. 

I have lots of documentation which I can send along.
Consumer complaint received 2023-11-16
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. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CO)

I was denied renters insurance due to two claims on my account that I have nothing to do with. The claimant is XXXX, XXXX and the dates are for XX/XX/XXXX  and XX/XX/XXXX  at the address XXXX XXXX XXXX ( with no city or state listed ). I have never been to this random XXXX XXXX XXXX and have never met a XXXX XXXX. I attempted to call LexisNexis which is the consumer report company that XXXX uses, and I can not reach anyone real to dispute this. Nor can I find anything on their website for disputing that doesnt bring me here to consumerfinance.gov. The false claim runs through the also false company XXXX XXXX and the policy number is # XXXX. The loss report reference number is XXXX.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to submit a formal complaint against Equifax located in XXXX, GA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023, and XX/XX/2023, I sent letters to XXXX, XXXX, and Experian disputing inaccurate items being reported on my consumer credit report ; however, they have failed to respond in a timely manner and were unable to provide me with a copy of verifiable proof regarding their investigation and the validity of the accounts being disputed. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX, and Experian are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account.
Consumer complaint received 2023-11-14
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 item 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 2023-11-14
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. (NC)

I have 3 Accounts that do not belong to me on my Experian credit report. Companies have not provided me with a wet signature or contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  those accouts does not belong to me