davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
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. (IL)

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 2024-06-24
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. (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-24
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. (IL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-24
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)

Ive requested that the items below to be removed off of my report. I am a victim of my identity being stolen and used again me. Im asking that someone dont over look my information but handle it with care and investigate carefully about the information that I have submitted to this bureau.
Consumer complaint received 2024-06-24
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. (NY)

MY NAME IS XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX XX/XX/2024 I have I have recently disputed this account it was updated but my request was to DELETE ACCOUNT NAME XXXX XXXX XXXX ACCOUNT XXXX # : 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX XXXX XXXX  IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Consumer complaint received 2015-08-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MS)

My home loan was transferred XX/XX/XXXX .I did not receive any written notice from the new mortgage serviced XX/XX/XXXX. After several calls in XXXX and early XXXX, I finally got an agent to give me my new account number. On XX/XX/XXXX, I witnessed a gentlemen opening my mailbox.I immediately asked him why was in my mailbox .The gentlemen refused to identify himself and stated " the bank '' sent him to see if the home was vacant and the property was in foreclosure. I informed him my home was not in foreclosure and to please leave my property, he refused to leave sitting in his car and I called the police to ask him to leave.The following day, I contacted the new servicer and spoke to XXXX agents, all of which stated they did not send this gentlemen to my home ( who refused to give his name or company he was representing ). On XX/XX/XXXX, I arrived home and there was a XXXX XXXX in my driveway with XXXX gentlemen, sitting inside.I parked in front of my home and called the police.The gentlemen when question by the police said they were from the mortagage company, again not identifying themselves.The following day, I called the servicer back and was told again, my loan was not in default or foreclosure.The agent on this call state he would send a letter to the company 's perservtion dept, also informing me I probably would not get a call back. On XX/XX/XXXX, I attempted to speak to someone that could explain to me what the stars of my loan and why were individuals coming to my home. XX/XX/XXXX, I was informed by an agent that a XXXX party inspector was sent to inspect my property XX/XX/XXXX and XX/XX/XXXX and the inspector sent out in XXXX stated my property to be vacant ( despite payments being made, well manicured lawn, and very apparent to be lived in. I finally started receiving monthly statements ( after XXXX request ) and saw additional charges on my statement.Again, after numerous calls for clarfication of these charges and still unanswered questions. XX/XX/XXXX, I mail a letter via usps for answers. I received a response from the servicer a little after 30 days stating my loan was and never be in default or foreclosure with them. XX/XX/XXXX, I found out my electric bill account was " finaled out '', I cleared that situation up. On XX/XX/XXXX my gas was cut off and my account " finaled out '', I was informed by a gas representative that someone from my mortagage company attempted to get the gas in the mortagage company name. On XX/XX/XXXX, I received a letter from my homeowner insurance company stating, my homeowner policy would not be renewed in XX/XX/XXXX because my home has been documented as vacant. Again when I call the servicer to find out what is going on, I 'm being told they did not make any of these calls to the utility companies or my insurance company. 


XXXX
Consumer complaint received 2024-06-24
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. (TX)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-28
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: EQUIFAX, INC. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-06-24
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. (MI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-21
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. (GA)

I disputed with CFPB and Experian about inaccurate reporting information to my Experian credit report, provided Experian with the information from the debtor as well but Experian still verified the information as correct. On XXXX l sent Certified mail to Experian for relief or demand for arbitration due to this company continuing to violate my rights and violation of the Fair Credit Reporting Act. Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX/ XXXXt, Acct # XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I had contacted Experain About a debt that I have received on my credit report, I contacted the phone number to XXXX XXXX and XXXXXX/XX/XXXX. I spoke to a man name XXXX at the rental property XXXX XXXX. He and I both agree that this was not me and that they had made a mistake. He then contacts XXXX at theXX/XX/XXXX, expressing for her to remove the debt which she claimed to have done she sent me a letter saying that the debt was removed. I am sending that letter to you yet. experain Will not remove the debt off of my credit history I believe this is some type of racism to oppress XXXX people I have contacted XXXX numerous times asking was this debt removed and they were telling me yes I will send a copy of the letter. Can you please expedite this as they are destroying my credit?
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Company Name : MIDLAND CREDIT MANAGEMENT Account Number : XXXX Amount : {$450.00} Company Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Company Name : MIDLAND CREDIT MANAGEMENT Account Number : XXXX Amount : {$710.00} Company Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$360.00} Company Address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 15 U.S. Code 1692c States that : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt the debt collector shall not communicate further with the consumer with respect to such debt.

The debt collector has not provided me proper debt validation for the alleged debt collection accounts. They have failed to validate the alleged debt by NOT providing proof of original contracts with my signature with the alleged original creditor, copies of original creditor payment history, name and address of original creditor, and proof of assigned/owed debt to debt collector. Please delete the accounts stated above from my credit report.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at XXXX XXXX XXXX XXXX on XXXX under the account number XXXX a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account XXXX, an Insurance account opened at XXXX on XX/XX/XXXX under account number XXXX, a collection account with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account with XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-24
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 on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/year>XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Hanwha QCells USA Corp (CA)

On XX/XX/XXXX the XXXX XXXX XXXX XXXX installed Solar Panels on XXXX homes my Husband and I own. At the time, my Husband and I were unaware that XXXX XXXX XXXX setup all the Solar Panels without a Permit from the City of XXXX California. XXXX XXXX failed to complete the job that was guaranteed on the contract. XXXX XXXX XXXX is nothing but a big scam of a company. Enfin Corp was the loan company that my Husband and I were approved for to finance the Solar Panels that XXXX XXXX XXXX installed on XX/XX/XXXX. Again my Husband and I were unaware what was going on with the Installation on the Solar work. After a few months pass, we didn't hear anything from XXXX XXXX XXXX. My husband and I called Enfin Corp quite a few times on canceling the loan. ( Unsuccessful ). On XX/XX/XXXX Enfin Corp reported to the Credit Bureau. Again, XXXX XXXX XXXX is nothing but a big scam, and Enfin needs to reach out to XXXX XXXX about getting the loan back. Enfin needs to reach out to The Credit Bureau to remove the {$93000.00} from are credit reports. This whole experience has been nothing but a nightmare for me and my XXXX. Our credit scores have suffered because of Enfin Corp. XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (CO)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC (WA)

I opened a XXXX mortgage with cross country mortgage in XXXX. and have had nothing but difficulty making payment, no fault of my own. I tried to make the first payment that was due on XX/XX/XXXX by sending a check for the monthly payment of XXXX on XX/XX/XXXX using the payment coupon that came with my closing documents, assuming that sending it XXXX days early it would be there on time. As the due date got closer, I noticed that my payment had not been posted or cleared my bank account. I contacted Cross Country mortgage and was very rudely told that the mail was slow, and they did not hold on to payments when they are received. I decided to go online and make a payment online to ensure my first payment was paid on the due date. As of today XX/XX/XXXX, the original check I sent on XX/XX/XXXX has not been cashed or cleared my account. I called Cross Country mortgage last week asking them if they had received the check and what was the status of it. I was told by Cross Country representative that my loan servicing had been sold to a new company and they seemed surprised in my view, that I had not received notification from the new servicer. The representative from Cross Country said I should be receiving notification from the new servicing company in the next couple of days and that the check I wrote was forwarded to the new loan servicer. As of Today, XX/XX/XXXX I have no idea who to send my next payment due XX/XX/XXXX to and I still do not know what the status of the check I wrote XX/XX/XXXX is, making my payment should not be this hard. I have never had as much problem making my mortgage payment, then I have with this company.
Consumer complaint received 2023-04-09
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX. 
account # XXXX. 
account # XXXX. 
account # XXXX. 
account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose