davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (FL)

I was going over my credit report when i noticed a item that was not authorized and i want it to be removed. 

Experian XXXX XXXX XXXX {$26000.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 2023
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NV)

1. After repeated attempts via correspondence, phone calls, and a visit to the original " mortgage '' lender, I have not received a mortgage statement since XX/XX/XXXX. 

2. In viewing my mortgage " on line '', they use a term that is without explanation and for which I can not find an explanation, " advance reversal ''. I have a straight mortgage, not a " reverse mortgage ''.

3. In all correspondence with me, the company states, " we are reviewing your mortgage and will have an answer for you within 15 days, or what ever the law allows. '' 4. When I went in to the actual mortgage provider, under duress, that person called the servicing company, and the person she talked to stated that they would provide the mortgage statement for XX/XX/XXXX ( this was the end of XX/XX/XXXX ) within 3 business days. I still have nothing.

5. Then, I received a phone call from someone at the servicing company. I said : just send me an up to date mortgage statement with the coupon for XX/XX/XXXX. This was on XX/XX/XXXX and I had already made, and the payment had arrived, for XX/XX/XXXX. Last Friday, XX/XX/XXXX, I received yet another letter stating that they were looking in to the problem and that they would provide an answer within 15 days, or as long as the law allows.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to formally dispute the inaccurate information being reported on my credit report from your bureau. Specifically, I am disputing the details regarding XXXX XXXX XXXXXXXX XXXX XXXX listed as a charge-off on my credit report. 

Inaccuracies and FCRA Violations : 1. Inconsistent Date of Last Activity : The date of last activity for this account is inconsistently reported across sections of the credit report. One section lists the last activity as XX/XX/year>, while another lists it as XX/XX/year>. This violates the FCRAs requirement for accuracy in credit reporting. 
2. Unreported or Incomplete Payment History : My report indicates No data available for payment history on this account, which is inaccurate. This account had prior payments before it was charged off, and those should be reflected in the payment history. Reporting incomplete information violates my rights under the FCRA to have accurate and complete information.

3. Discrepancies in High Balance : The high balance of the account is reported inconsistently. In some sections of the report, the high balance is shown as {$10000.00}, while in others, it is either not specified or appears incorrectly. This inconsistency again violates the FCRAs standards for accurate reporting.

4. Outdated Dispute Remark : There is a notation of Consumer Disputes Reinvestigation in Progress. If the reinvestigation is complete, this remark should be removed. Leaving it on the report unnecessarily could unfairly impact my credit standing.

Requested Action : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. Please conduct a thorough investigation of this matter. I request the following : The removal or correction of the date of last activity to ensure consistency across all sections.

An update to reflect the correct payment history prior to the charge-off.

The correction of the high balance amount to consistently show {$10000.00} or the accurate amount across all reports.

Removal of the outdated dispute remark if the reinvestigation is complete.

Please conduct this investigation and provide me with a written confirmation of your findings and any updates made to my credit report. Should this account not be verifiable or if these inaccuracies are not corrected, I request the removal of XXXX XXXX XXXX charge-off from my credit report as required by law. 

I have enclosed a copy of my credit report, highlighting the relevant information, along with any supporting documents for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response within 30 days, as required by the FCRA.
Consumer complaint received 2023-07-31
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. (PA)

I have raised concerns about the accuracy of this account information with the relevant party, and they have responded by claiming to have verified the debt. I find this puzzling, as I have personally contacted the collection agency in accordance with the FDCPA laws, but they have failed to provide any validation of the debt being mine. 

Attached are copies of my requests to the collection agency, along with the receipts proving that I sent these letters via certified mail with signature confirmation. I want to emphasize that this debt does not belong to me, and I have not been provided with any evidence of my obligation to pay it to this collection agency. 

I have a few questions regarding this situation : XXXX. If I have a contract with the XXXX, why is a third-party entity pursuing me for payment? 
XXXX. Why is this third-party entity negatively impacting my credit score? 
XXXX. Why is this third-party entity attempting to coerce me into paying a debt that I do not owe them? 
XXXX. If the XXXX has sold the debt to debt collectors, why am I receiving letters from the U.S Department of Treasury? I strongly believe that this is illegal. 

According to the FCRA, they are required to verify the validity of the item within 30 days. If they are unable to do so, they are legally obligated to remove the item. In this case, there is clear evidence of unverified debt, and I urge them to remove it from my records before I am compelled to take legal action. 

I perceive this as a form of retaliation against me for my departure from the XXXX. 

If they fail to verify the item in accordance with the FCRA and continue to report the disputed item on my credit report, I will have no choice but to sue for actual damages and seek declaratory relief under the FCRA. As per this regulation, I have the right to file a lawsuit in any qualified state or federal court, including small claims court in my jurisdiction. 

While I would prefer to avoid litigation, I am prepared to utilize the legal system to protect my rights under the FCRA. 

Failure to provide a satisfactory response will result in legal action being taken against your company. In such a case, I will also seek.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

My wife and I froze our credit in XX/XX/2006. We have been able to unfreeze it from time to time as needed. We recently unfroze it with Experian and now in order to freeze it again, they are demanding that we enroll in an expensive credit protection plan. We feel that this is a kind of extortion. We merely want our credit re-frozen the way it was before our last request to unfreeze it.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am writing to file a formal complaint against Equifax regarding an ongoing issue with the reporting of an account from XXXX XXXX on my credit file. The case number for my previous complaint is XXXX. Despite providing the necessary documentation and following the guidelines set forth by the FCRA, the account in question remains on my credit report, even after Equifax 's initial response stating otherwise. 

On XX/XX/2023, I submitted a complaint to CFPB about Equifax, stating that the account from XXXX XXXX appearing on my credit report was a result of identity theft. To support my claim, I included a detailed identity theft report and an official police report, as recommended by the relevant credit laws. My intention was to rectify this issue promptly and protect my credit profile from any further harm. 
On XX/XX/2023, I received a response from Equifax, Case # XXXX, in which they stated, " Please be advised that Trade : XXXX XXXX  is not reporting on your credit file. '' Despite this assurance, I regret to inform you that, as of XX/XX/2023, the disputed account continues to appear on my credit report under the closed accounts section. 

I urgently request a formal and complete deletion of this fraudulent account from my credit report, as previously stated by Equifax. Reporting identity theft accounts is a matter of utmost importance, and prompt resolution is essential to safeguard my financial well-being. The extended duration of over XXXX months to address this matter is deeply concerning and has caused significant distress. 

To assist you in investigating the situation, I have attached the following documents : XXXX. A copy of my most recent credit report, clearly showing the erroneous entry from XXXX XXXX. 
XXXX. A copy of the police report documenting the identity theft incident. 
XXXX. The previous correspondence from Equifax, which falsely indicated that the account was not reporting. 

I sincerely hope that you will take swift action to rectify this situation and ensure the immediate removal of the erroneous account from my credit file. I trust that the Consumer Financial Protection Bureau will prioritize this matter to protect consumers from the impact of identity theft on their credit histories. 
Please feel free to reach out to me if you require any additional information to expedite the investigation process. I look forward to a prompt resolution to this complaint. 
Thank you for your attention to this urgent matter.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, 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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX has been reporting to all 3 bureaus, XXXX, XXXX and Experian, that my account has been past due, with missed payments for over 2 years. XXXX is also reporting differently through each bureau. This is an error is XXXX system, as my payment history will show that I have been faithfully making my car payments.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the several times I've complained about the inaccurate Items. Below the listed Items that need to be update or fixed. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-17
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. (NJ)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2021-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On XX/XX/2023, I sent EQUIFAX, via certified mail, a dispute pertaining to accounts on my credit report which contained inaccurate information. I requested an investigation of the disputed accounts. One of the disputed accounts on my credit report is ; Account Name : XXXX, Account Number : XXXX. I disputed that this account is inaccurate and does not belong to me. Within 30 days EQUIFAX provided me with their investigation results, which I received on XX/XX/2023 via USPS mail. Within their investigation results, there was NO verification or modifications of Account Name : XXXX, Account Number : XXXX. I did not receive verification of the above mentioned account within 30 days nor was I notified of a need for EQUIFAX to extend their investigation on the account, being that I did not provide any additional information for them to do so. EQUIFAX has violated my rights by continuing to report this account on my credit report. This inaccurate and unverifiable information must be removed immediately from my credit report. EQUIFAX did not respond nor verified this account on my credit report within a reasonable timeframe as established by the FCRA which is a violation of the FCRA. I have evidence to prove my statement.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND  XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance Owed : {$1000.00} ; XXXX  XXXX Balance Owed : {$9900.00} ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX.
Consumer complaint received 2023-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-01
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX XXXX : {$8200.00} XXXX XXXX Balance : {$8200.00}
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that resulted due to Identity Theft. Please find the required documents to assist in the removing of the erroneous items which are being posted to my report. Here are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX