davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
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. (AL)

I AM LOOKING AT MY CREDIT REPORT AND I AM INFORMING YOU GUYS THAT I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS OR INQUIRIES DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS WERE AUTHORIZED. REMOVE THEM BC THEY ARE NOT MINDS.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
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 2020-10-09
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. (CT)

I would like to report an identity theft in my credit file, upon checking my credit I found a number of accounts that are fraudulent, such accounts do not belong to me and should be removed from my credit report, they had impaired me to obtain credit and had cause me to pay high interest.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

1 ) XXXX county taxes paid {$2700.00} CORRECT 2 ) XXXX county taxes paid {$2300.00} CORRECT 3 ) XXXX county taxes paid {$2300.00} INCORRECT 4 ) XXXX Escrow advance {$1500.00} INCORRECT WHY????? 5 ) XXXX Tax Refund {$2700.00} WHY FOR WHAT????? 
6 ) XXXX Repay of Escrow Advance {$1500.00}??????????? 
7 ) XXXX Tax Refund {$2300.00} First of all it is wrong and why are you calling it a Tax Refund??????? 
8 ) XXXX Repay of Escrow Advance {$00.00} what are you repaying 9 ) XXXX Mortgage Payment 10 ) XXXX County Taxes Paid {$2700.00} WHY?????????????? 

On XXXX why would you pay county taxes if all of my taxes were paid on XXXX of XXXX????? 
This is a made up statement. You are putting numbers in so my account looks paid it is NOT. Taxes still have not bee paid and I am still delinquent with XXXX County taxes ( see below ). The first payment should have been made XXXX. I want to know are you making up fake statements???? 
I have late payments of {$240.00} so far that have incurred who is going to pay that????? 

I have called your customer service 20 times, I get put on hold for an hour and then they are so rude they hang up on you or say wrong department I cant help. I finally get thru to XXXX in the escrow department ( she said she was a supervisor ) phone # XXXX and she said she would help she wont pick up my calls anymore. 

My mortgage was sold to you in XX/XX/XXXX I did not pursue you I am so disgusted with this bank I have no words. I can not believe that you are still in business. 

XXXX the only reason that I got as far as you is because I contacted the XXXX XXXX XXXX. Well no that you can not seem to get any information out of your own company ( I have provided it ). I will make sure that the XXXX XXXX XXXX has all of this information, my lawyer because I am so distressed ( I am a widow of a XXXX ) AND I AM A SENIOR CITIZEN. How dare you treat people like this. 

XXXX XXXX XXXX Above is the letter I sent to Citizens One I re-financed my mortgage in XX/XX/XXXX and it was sold to Citizens one. They have not paid my property taxes and I received a delinquent notice from XXXX County treasurer. I have tried to get anyone to help me. I am beside myself. I called and sent a complaint to the XXXX XXXX XXXX  I have called the Bank 50 times my property taxes still are not paid and my escrow account is now overdrawn. HOW does that happen. I should have a positive escrow balance and no one at the bank seems to be able to help me.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (GA)

I received a letter from Ability Recovery Services, dated XX/XX/XXXX, regarding tuition payment I owed to XXXX University. The letter I received stated that I owe {$2900.00}. Because of medical issues I was not able to pay the bill until XXXX. I started paying every week as I got paid. Based on the letter, I only owe {$470.00} to pay the account off. I have already paid {$2500.00}. I have submitted a dispute with XXXX and XXXX  because the amount I owed on my credit reports were not correct. On XXXX XXXX, I contacted the collection agency about correcting the amount owed on my credit report. They informed me that I owed XXXX XXXX plus dollars because of charges XXXX added to my account. However, the letter they sent me does not reflect that. I contacted XXXX they can not pay me the amount I owe. They are saying whatever the agency says I owe, that is what I owe. They could not even tell me the amount of charges that may have been added. I should have been told in the letter and up front when I call The collection agency to settle the account the amount if extra charges and fees were added. I have attached the letter I received and the records of my payments I received from XXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I have disputed this account multiple times and they always investigate its not til i file a complaint with cfpb that when they actually wan na investigate it i want the account removed they have had it inaccurately reporting to my credit report for 8 months and marked the dispute as frivolous the account was marked late in XXXX the payment was made on XX/XX/year>
Consumer complaint received 2024-08-20
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. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have written to dispute the reporting of my student loan on all three credit reports. I have attempted to correct this with all three credit reporting agencies and with XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX again today and received another notice from TransUnion that they do not have to investigate the complaint as the details of my letter were not specific enough and I had recently filed a dispute so they did not have to investigate again. When I spoke with XXXX XXXX they state it is the credit reporting agencies, TransUnion, XXXX, and XXXX. The credit reporting companies state it is XXXX XXXX. 

There are two XXXX XXXX XXXX XXXX  being reported on each of the three credit reports. One is  correct with the all payments being reported as current. The second one of which a copy is attached to this letter, list the account as CURRENTLY PAST DUE GREATER THAN 120 DAYS. This student loan went through the rehabilitation approved process and the reporting of the loan was updated. During the update somehow two student loans began to be reported instead of one account.current.The second account should have been deleted from all three credit reporting agencies, XXXX, XXXX, and TransUnion. 

The reporting on XXXX  that are now reporting a student loan that was closed in XXXX with a XXXX  balance NOW has late payments reporting in XXXX and XXXX. The account is reported as being currently 120-149 days late as of TODAY and was closed with XXXX  balance is XXXX. 
The late payments on this account are over seven years from XXXX. I have worked diligently to rebuild this account to a good standing status. This loan went through the full rehabilitation process and the second account reporting reflects accurately what the account status should be. Under the terms of the rehabilitation process, the account that has the inaccuracies and late payments should be deleted from all three reporting agencies, XXXX, TransUnion, and XXXX, as per the Fair Reporting Act.  The correct one with the on-time payments should remain as the account status. 

This inaccurate and outdated reporting of two accounts is detrimental to my credit score and does not accurately reflect my current account status or the rehabilitation program I followed. I am very frustrated and do not have any idea who to seek futher help from to resolve this issue. I am appealing to you for help with this to get both of them to work on this error. 

If you have any questions, please contact me.
Consumer complaint received 2020-08-18
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. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-20
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. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (NC)

On or about XX/XX/, I attempted to reach Wells Fargo Practice Finance regarding a lien placed on my property. I wanted to discuss possibly negotiating a payment amount with someone representing the bank. I also reached out to the lawyer who placed the lien. The attorney 's office noted that because the lien was placed over 9 years ago, that Well 's Fargo had to look into the paperwork. Over last 5 weeks, it has been brought to my attention that Wells Fargo Practice Finance ( WFPF ) sold the debt to XXXX XXXX and that company has since been taken over by XXXX XXXX. WFPF says that they recalled the debt from XXXX XXXX, XXXX XXXX is not familiar with having the debt. I am trying to make arrangements to satisfy the debt, however WFPF has been avoiding calls from me and is not assisting with my attempt to resolve this situation. It is unclear if they currently own the debt as we were told that they never received the paperwork after recalling the debt from XXXX XXXX
Consumer complaint received 2020-08-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX my broker XXXX XXXX XXXX XXXX : XXXX, NMLS : XXXX from XXXX XXXX XXXX sent a request to Wells Fargo for subordination documents. The {$250.00} fee was paid the same day. Though Wells Fargo states this process will take two weeks, as of today XX/XX/2020, I still haven't received any documents though they are aware my refinance deadline was XX/XX/2020. I have called Wells Fargo numerous times and sent numerous faxes and escalation emails. Their brokerage department tried to coerce me to stay with Wells Fargo, though the rate it is much higher for refinance. I believe that due to my refusal to remain with the bank they are refusing to provide me with the documentation to close the new loan. This is not the first time when I was pressurized by Wells Fargo. I was told if I move my 401K with them, they would give me a better loan rate and would allow me to keep my HELOC.
Consumer complaint received 2024-08-20
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. (PA)

Im submitting to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete these items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX : {$3600.00} XXXX XXXX  XXXX XXXX XXXX : {$3100.00} XXXX  XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$680.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-20
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-08-18
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. (MD)

I have been trying to have an account ( # XXXX ) with XXXX XXXX that is not mine removed from my credit file from TransUnion for over a year. However despite much evidence the company XXXX XXXX located XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX placed this on my report refuses to remove. 


Despite multiple requests to review XXXX refuses to remove said account from my report and has caused me irreparable harm. 

XXXX not only refuses to agree with the removal but has made fraudulent statements to TransUnion and my attorney regarding this account. XXXX falsely claimed they Verified my signature. How do they verify my signature without my signature? 

XXXX failed to conduct minimal diligence despite sufficient evidence submitted to the contrary and multiple requests/disputes. ( Evidence attached of disputes filed in XXXX and XXXX ). One of the disputes attached is from XXXX who agreed to remove in XXXX. TransUnion refused to remove in both XXXX and XXXX. 

XXXX refuses to investigate my disputes and or acknowledge that I am not a signor on the account in question. I have provided above and beyond what is required to show the account is not mine and should be removed. 
XXXX XXXX was last point of contact at XXXX. 

I ask that you investigate the business practices of XXXX. Their failure to remove this account from my file has caused me personal and financial harm and they should not be permitted to operate in such an unscrupulous manner. 

I have also attached two letters ( witnessed and or notarized ) submitted to XXXX yet they still refuse to remove account from credit file.
Consumer complaint received 2024-08-20
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. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 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 2024-08-20
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. (CA)

I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$59000.00} - tied up
Consumer complaint received 2024-08-19
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. (MO)

In accordance with the Fair Credit Reporting Act DEPT OF ED / XXXX account # XXXX, DEPT OF ED / XXXX account # XXXX, DEPT OF XXXX / XXXX account # XXXXXXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Sections : It also stated a consumer reporting agency can not furnish an account with put my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for purpose.