davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
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. (TN)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

XXXX is reporting a debt by a company named XXXX XXXX. I have never done business with this company before, I have no signed contract with this company. I am not liable for this debt in the amount of {$140.00}
Consumer complaint received 2024-10-13
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. (MD)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a victim of identity theft, I am requesting the block of fraudulent information from my credit report as mandated by law! Particularly the FCRA XXXX XXXX. The following items were not authorized by me and are the result of identity theft : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$9800.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$9900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$480.00} XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$670.00} XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$980.00} XXXX XXXX XXXX XXXX XXXX Original creditor Opened : XX/XX/XXXX Amount : {$100.00} Attached are copies of my identity theft report. ( Which by law is all that is required ) Please block this fraudulent information from my credit report, refrain from reporting these items to others, and send me an updated copy of my credit report once this is done. This is my second attempt at resolving this with your company, but you knowingly and willingly gave me false information stating that my documentation was not suffice, however after consulting with an attorney, he told me they were, I am hoping that your company abides by the law this time and do what is required for you to do by law! 

Thank you for your cooperation in resolving this issue. 

Enclosures : Identity Theft Report, proof of identity and proof of address.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting a debt by a company named XXXX XXXX. I have never done business with this company before, I have no signed contract with this company. I am not liable for this debt in the amount of {$140.00}
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX TO wHOM IT MAY CONCERN, I am having isues with addresses that do not belong to me showing up on my credit report. the folllowing address do not belong to me. Please delete inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX I would like my name and information to be remove from any and all promotional ad and insurance offers. Please OPT ME OUT. AND SEND ME A NEW UPDAYE CREDIT REPORT.
Consumer complaint received 2024-10-13
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. (LA)

I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused
Consumer complaint received 2024-10-13
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 XXXXXXXX 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 2016-06-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NJ)

Continued annoyance phone calls twice a day from XXXX, XXXX XXXX from Midland Credit Management. I am not the person they are looking for, I have a different address, different birth date, different SS and they still call everyday, early morning and late afternoon.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

Dear Consumer Financial Protection Bureau, I am writing to urgently request your intervention regarding an error on my credit report related to my Apple Card, managed by XXXX XXXX. This error has severely impacted my credit score, affecting significant life events. 

I recently purchased an XXXX XXXX XXXX, opting to finance the {$1000.00} cost via a XXXX installment plan through XXXX XXXX. However, due to an initial error by XXXX  customer service, the full amount was charged as a one-time transaction, erroneously showing my card as maxed out. I immediately contacted XXXX XXXX services to rectify this, and was repeatedly assured that the issue was resolved, with the charge now correctly showing as an installment plan. 

Despite these assurances, my credit report suddenly reflected an XXXX drop, inaccurately indicating a maxed-out card. This is in stark contrast to my excellent payment history, 35 % overall credit utilization, and no other maxed-out cards. The incorrect credit report has already negatively affected my ability to secure an apartment rental and pursue car financing. 

The urgency to correct this mistake can not be overstated, as it jeopardizes my financial stability. I have included all relevant documentation and correspondence with XXXX XXXX customer service as evidence. Should this error not be rectified promptly, I am prepared to pursue legal action to defend my rights. 

I appreciate your immediate attention to this matter and look forward to your swift action to help correct this critical reporting error.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

I am unable to reach PHH Mortgage ( https : //www.phhmortgage.com/13571 ). 
- online their autopay webform is broken - their phone system is not working so unable to reach a customer service representitve
Consumer complaint received 2024-10-12
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate. PLEASE REMOVE THIS ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Santander Consumer USA Holdings Inc. (TX)

I have been requesting proof showing where I have obtain this loan. This information had been on my credit for a long time I believe it was an ex who used my information at the time. Stolen Identity.. 
Apparently I have been requesting documents they refuse to provide me with any documentation but still validating that debt on my credit report
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX   XXXX ,    2017  On  XXXX   XXXX ,    2017  I mailed a letter to Experian requesting verification of  XXXX  accounts on my credit report. Based on  USPS  tracking records the letter was deliver via certified mail  XXXX   XXXX ,  2017  at  XXXX . In addition I have mailed a secound letter requesting the items be removed do to negligent noncompliance of the FCRA and for violating my consumer rights. Today is  XXXX   XXXX ,    2017  and I have no response from Experian. There are several documents included to support my complaint. I appreciate your intervention to ensure Experian upholds federal law from here forward in regards to my credit report.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report and realized I had inaccurate accounts on my report. The consumer reporting agencies need to report all information accurately. The negative activity from the inaccurate accounts are negatively affecting my ability to obtain credit. The accounts in question are as follows : 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 2016-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (DE)

XXXX XXXX Inquiry XXXX XXXX, 2016 is on credit report. was told this would not be a hard pull on my credit and they lied. it goes against my good credit score. would like removed. I have told this company that i am mentally challenged and on my bad days i ca n't even remember my first name. I would like this company to fix their mistake and take this off my hard pulls on my credit report
Consumer complaint received 2017-01-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

I strongly disagree with Chase 's policy that prevents people from depositing cash into another person 's account. I asked a friend to deposit money into my account and he was rejected by Chase 's branch in XXXX, Texas. He was forced to go buy a money order and come back to make the deposit, which they then allowed. This policy is a hassle and nonsensical. I was told it was an effort to combat money laundering. I would like to know how preventing a small cash deposit of {$100.00} stops money laundering when they turn around 20 minutes later and accept an anonymous money order from the same person? He did not write his name or address on the money order, so there is no record of who made this deposit. This is a terrible policy that is not friendly to Chase customers or their family members and apparently does nothing to combat the problem it is designed to alleviate.
Consumer complaint received 2024-10-12
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. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken especially with regard to the credit inquires. A proper investigation has yet to take place if this complaint is closed without proper action being taken by your company I will seek legal means to take action against your company through the judicial process. I have attached a police report verifying that I have had numerous accounts that had been opened fraudulently while serving in the XXXX XXXX. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable {$2500.00} per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. 
First I want to address the Current Address my current address is and has been for 6 years : XXXX SC XXXX I have never resided at : XXXX SC XXXX I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA. The accounts and inquires that need to be removed are as follows : XXXX XXXX Account # : XXXX Condition : Closed Balance : {$4400.00} Type : Credit Card Pay Status : Late 90 Days XXXX XXXX Account # : XXXX Condition : Closed Balance : {$3600.00} Type : Credit Card Pay Status : Late 120 Days XXXX Account # : XXXX Condition : Derogatory Balance : {$0.00} Type : Pay Status : Collection/Chargeoff INQUIRIES : XXXX ATTACHED IS THE POLICE REPORT
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatlygreatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-25
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. (GA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-06-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I 've had issues with XXXX XXXX XXXX. They purchase old debts threaten to sue you and collect on old debts. My wife and I had given this company money on old debts that I feel they did n't have a right to collect. Anyway now they have their last frutal attempt to collect a debt that is beyond the statue of limitations in my state. They are not the original creditor and it seems they are re-aging the debt so it stays on my credit report longer than necessary. I would like this removed from my credit report and the company punished for being unscrupulous.
Consumer complaint received 2016-11-11
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (HI)

On XXXX/XXXX/2016 a not safe cargo van was purchased from the Nissan Motor Acceptance Corporation. With it was purchased a Maintenance agreement. With resistance from the XXXX XXXX XXXX did a false cancellation request cancellation. Since we are being charged monthly for the cancelled Maintenance and receive numerous daily calls to our NO CALL number ( from XXXX to our XXXX number. We have filed complaints with XXXX XXXX XXXX XXXX ( # XXXX and # XXXX ) and the Federal Trade Commission ( # XXXX ). It appears that these agencies are protecting the Nissan Motor Acceptance Corporation.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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.

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 2024-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.