davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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. (WI)

Upon reviewing my consumers report, I noticed that there were several accounts listed that are not mines. These accounts do not belong to me. 
Here are the accounts listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17
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 have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-10-17
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. (FL)

I am writing to make a final demand for the deletion of the inaccurate and invalid collection account from my credit report. Despite my multiple previous disputes, this collection account remains on my report, which is unacceptable.
Consumer complaint received 2024-10-17
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. (NY)

Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored. Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (TX)

I have a checking account with Navy Federal Credit Union. Back in XX/XX/year>, I started getting text regarding suspicious transaction attempts, which wasn't me. I froze the debit card and opened a new checking account with them. After reviewing my accounts online, I discovered that I have been charged a return check fee of {$29.00} XXXX times. The total of {$370.00} from XX/XX/year> to XX/XX/year>. NFCU stated they will not reimburse this money because of the time that it goes back. The account was closed today. 

NFCU obviously knew this account was compromised and continued to charge their {$29.00} return item fee. They have lost their customer service values and definitely are not looking out for XXXX and their families.
Consumer complaint received 2021-11-02
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: Experian Information Solutions Inc. (NY)

1 ) .XXXX XXXX XXXX Account XXXX Balance : {$1900.00} Most be deleted 2 ) .XXXX  Account XXXX Balance : {$20000.00} ( This Account is Reporting twice ) Most be deleted 3 ) .XXXX  Account XXXX Balance : Current {$0.00} ( This Account is Reporting twice ) Most be deleted 4 ) XXXX XXXX XXXX XXXX Account XXXX Balance : {$9100.00} Most be deleted Experian is reporting these companies listed above on my credit report for almost 10 years now. I do not know these companies nor have I ever had any businesses with these companies. These companies do not have any contract with my signature or proof that they have any account on file with my name on it. Experian most Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years. By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts most be DELETED NOW.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX I sent an affidavit to federal student aid via fax successfully sent. I also contact XXXX XXXX XXXX to cease and desist all communication but received a text message stating that my payments restart after XX/XX/XXXX. According to congressional terms promissory note is defined as an instrument that evidence a promise to pay a monetary obligation does not evidence an order to pay and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. This is clearly stating that no money is owed under an consumer credit transaction.
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (IA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX - CARD SERVICE Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (TX)

" CMI '' and " XXXX XXXX XXXX '' and " Crdt Management '', probably CMI Group, has been calling me every day, at random hours including before XXXX XXXX, utilizing a different phone number pretty much every time, making blocking their calls impossible. Their constant harassment has nearly caused me to lose my job, and I have gotten written up at work because my phone constantly ringing is a distraction to customers and coworkers.
Consumer complaint received 2021-11-02
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: Social Finance, Inc. (MN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on the proof of payment history and any documentation that this account belongs to me. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This is the account that still erroneously reporting on my credit report : SOFI XXXX Date opened XX/XX/2018 Balance-
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

HI There, this is XXXX XXXX, I have a Coinbase Account and I had XXXX lite coins before my account was hacked on XX/XX/XXXX, and all my lite coins were converted into bitcoins and transferred to fraudsters account. I'm also attaching proof of my XXXX account was attacked around the same time period and over XXXX were stolen overnight, but XXXX did stopped all the wire transactions and restored my account and all my stocks were restores as before the attack took place. 

But Coinbase would not do the same they have refused to give my coins back, it was possible because Coinbase does not take extra measures to have an advanced security system to detect unauthorized activity such as login from different device and locations and on top of that they would not take the responsibility. It's their fault if my Coins get stolen and they are responsible for protecting it.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2021, I contacted " XXXX XXXX XXXX XXXX XXXX. '' to obtain a free quote for the cost of building a deck on my home. XXXX XXXX XXXX and his driver came to my home that same day and did provide a estimate. XXXX was very persistent in his attempts to get me to conduct business with company that day, but I advised XXXX that I only wanted a quote and that I still had to meet with other companies. XXXX was also persistent in attempting to have me provide him with my social security number so that he could begin the process of securing me a credit line and building my deck. I repeatedly told XXXX that I would not be giving him my social security number. On XX/XX/2021, I begin receiving alerts that an inquiry was made on my Experian, XXXX, and XXXX. By XX/XX/2021 I noticed that " XXXX or XXXX XXXX '' appeared on my credit reports and I determined that XXXX fraudulent went against my wishes and somehow obtained my personal information. A few days later I received a credit card in the mail with my name on it and " XXXX XXXX XXXX XXXX '' underneath my name with a credit limit of {$15000.00}. I have text messages from myself to XXXX letting him know how furious I was that he had taken advantage of me. XXXX knew that he illegally obtained my information and refused to respond via text messages, but he did leave several messages in an effort not to leave paper trail on his end. However, I do still have those voice messages with XXXX confirming that he indeed fraudulently used my personal information to obtain credit in my name.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

On XX/XX/2021, I contacted " XXXX XXXX XXXX XXXX XXXX. '' to obtain a free quote for the cost of building a deck on my home. XXXX XXXX XXXX and his driver came to my home that same day and did provide a estimate. XXXX was very persistent in his attempts to get me to conduct business with company that day, but I advised XXXX that I only wanted a quote and that I still had to meet with other companies. XXXX  was also persistent in attempting to have me provide him with my social security number so that he could begin the process of securing me a credit line and building my deck. I repeatedly told XXXX  that I would not be giving him my social security number. On XX/XX/2021, I begin receiving alerts that an inquiry was made on my XXXX, XXXX, and Equifax. By XX/XX/2021 I noticed that " XXXX or XXXX XXXX  '' appeared on my credit reports and I determined that Al fraudulent went against my wishes and somehow obtained my personal information. A few days later I received a credit card in the mail with my name on it and " XXXX XXXX XXXX XXXX '' underneath my name with a credit limit of {$15000.00}. I have text messages from myself to XXXX  letting him know how furious I was that he had taken advantage of me. XXXX  knew that he illegally obtained my information and refused to respond via text messages, but he did leave several messages in an effort not to leave paper trail on his end. However, I do still have those voice messages with XXXX confirming that he indeed fraudulently used my personal information to obtain credit in my name.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I have attempted to file a dispute from a company that is refusing to let me use a service for a travel package that previously bought. The reason chase said that chase stayed was the train was due to timing. That means Im being penalized because the United state postal service is taking long to deliver mail which is unfair. They refuse to submit a new claim on the charge over the phone. The original charge was XX/XX/XXXX the dispute happened after I tried to reach out to the merchant in XX/XX/XXXX. They didnt receive my mail until XX/XX/XXXX when it was supposed to have reached there by XX/XX/XXXX even though I sent it before that date. The amount is XXXX. I literally sent them the email that states that Im not eligible for the resorts from the merchantbut they say thats not enough documentation the company isnt even in existinance anymore it was bought and its a different company that has different rules which further shows that I cant even get what I originally bought.
Consumer complaint received 2024-08-24
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. (MO)

To Whom It May Concern : XXXX am writing to dispute the following incorrect information on my credit report : 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional XXXX years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXXXXXX XXXX XXXX XXXX ) XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I paid 6 months of payments. ( XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) I paid them online using their website. My payment is {$1700.00} and I always pay an even {$2000.00}, which includes additional principal of {$240.00}. However, the bank has decided to use my XXXX payment strictly as a principal payment and my payment for XXXX is still due. I don't want that and I never asked for that or filled out any papers requesting that. I made 6 {$2000.00} payments, all to be used as my actual payment. I have called twice already. The first time I called was XX/XX/XXXX. I even received 2 letters from them and the second one says they corrected the situation. I waited until the XXXX to call back. I spoke to XXXX XXXX, XXXX. She said she would correct the problem and give it up to XXXX hours. It is now the XXXX and the bank still shows my XXXX payment as a principal payment. Mr Cooper Mortgage XXXX
Consumer complaint received 2021-11-02
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. (TX)

I have contacted Experian more than 10 times concerning XXXX  information on my consumer report and inquiries that I did not give written permission to be performed. I have requested that they respond by mail and they have not done so. They have violated me according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681q. Obtaining information under false pretenses.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

LAW OFFICES OF MBA {$740.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED
Consumer complaint received 2024-10-17
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. (MO)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX account number : XXXX