davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
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)

i found a few accounts on my report i XXXX XXXX in XXXX states so iam always traveling g my information been exposed and someone is using my information and the creditors never notified me and iam in the process of buying real estate and they harmed me as of U.S code 1692g validation of debts what they did is illegal and against the law and they violated my consumer rights and privacy this is 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, these are the accounts : XXXX  XXXX, XXXX  XXXX,, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX 'S XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-24
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. (NC)

I am reaching out for help regarding the false account being shown on my credit report. This mistake has hurt my reputation, and I need your support to fix it. The way you've handled my credit report has left me in a difficult situation, as the incorrect reporting has caused significant damage to my reputation. Please ensure these mistakes are taken off my report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days befor
e the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX Dear Experian While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XX/XX/XXXX ) 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. 

My contact information is as follows : Your Name ( printed or typed, not signed )
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

We were transferred to Seterus from XXXX, Bank, we were told that {$3300.00} was past due, We paid that before the due date of XX/XX/XXXX. Seterus formed a escrow account that we did not have with XXXX nor with Seterus as we pay all out taxes and insurance ourselves. Seterus no5tified us that we still owed the XXXX after we paid it in XXXX installments XX/XX/XXXX. Due to bad / negative correspondence about Seterus we went ahead and sent another {$3300.00} by certified check to go against money not owed, but Seterus said we did, then starting in XX/XX/XXXX XXXX started collecting escrow as we had no choice but to pay as this was our new total monthly bill. we could not short pay nor were given any other option. escrow was calculated for 12 months to collect money owing. Seterus collected for over 18 months not the 12 and when questioned reimburse us {$2500.00}. but kept the {$3300.00}. this adds up to paying the {$3300.00}, 3 times. 
A complaint was filed and they justified it with us making the decision to pay the escrow amount that we did not have an option to. they did not point out in their letter in response to the complaint the we were never supposed to be escrowed for any amount. ever! we always paid our property taxes ourselves, the first payment cleared the debt, the second payment the put towards our principal? And the Escrow they kept I have no idea where that went? now I call and they are not available, they are closed at XXXX PST on a Wednesday? I can not call, letters create a cluster of confusion without resolution. 
please help
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc. (MD)

Someone took over my Experian account. I got an email from them saying my info had changed. I did not change it. I replied to the email saying I did not do it. I had a XXXX character password and XXXX to my phone on this account, someone was able to get around all their security and take over the account, in addition, the fraudster opened a checking account through them. Why would they send an email to the original email and I say I did not change it but they let the fraudster keep my account. 

I called them to try and get my account back and to close the checking account. I was transferred 7 times and finally told to wait for an email. The email says I need to fax or mail them a bunch of stuff including my social security card. I lost the card several years ago. They wont do anything to help me and who knows what the hacker is doing with my info. They really expect me to trust them with an actual copy of my social security card, seems unreasonable, they obviously cant be trusted.
Consumer complaint received 2024-10-24
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian and XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) 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. 
Sincerely XXXX XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My XXXX payment was reported late, this was due to a natural disaster ( XXXX  XXXX ). I tried to make my payments online, the payment was submitted before the due date but didnt go through uniting after the storm due to not having cell service or wifi. I even tried to go out during the storm to the bank and make my payment in person but the bank was closed. I did everything I could to make that payment on time but it was ultimately out of my hands, and now the late payment is being reported on my credit and is causing my score to go down almost XXXX points. This action is threatening my livelihood and preventing me from getting approved for a home and or any other credit checks I need to obtain things I need for daily living. I believe this late payment should be taken off of my account because it was due to a natural disaster.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NY)

Recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that Experian, XXXX, XXXX will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX  XXXX # XXXX
Consumer complaint received 2024-10-23
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 told Experian, XXXX, and XXXX to reinvestigate this account. XXXX XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that if the last date of payment is wrong? The balance is incorrect. I never received the XXXX insurance money back or credited to the account. The date of the last activity and much more are wrong. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C.1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of conviction 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 Also, they aren't even in compliance with XXXX XXXX credit XXXX XXXX I have evidence to prove my case
Consumer complaint received 2024-10-24
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. (TX)

Someone used my information to open accounts under my name. Im tired of calling the collection agencies, and they cant answer my questions. This has greatly affected my financial situation. I need help to remove these frauds from my credit report. 
Please help
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear XXXX Experian and XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete information to my consumer report According to 15 U.S. Code 1681, all information that is reported to my consumer report has to be accurate and timely. The items that I have listed below do not belong to me and I am requesting them to be removed. 
XXXX. XXXX XXXXXXXX XXXX [ XXXX ] XXXX. XXXX XXXX [ XXXX ] XXXX. XXXX XXXX XXXX XXXXXXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX [ XXXX ] I had nothing to do with these accounts I did not authorize any of them sometime ago, I end up losing my Social Security card and I believe I am a victim of identity theft Sincerely XXXX XXXX
Consumer complaint received 2024-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MN)

I was on vacation in XXXX XXXX XXXX. I was XXXX XXXX XXXX XX/XX/XXXX and my phone was taken from me. The thief got into all my bank accounts, credit cards, and my PayPal account. I had a PayPal balance of + {$200.00} on XX/XX/XXXX. 
I communicated what happened to PayPal as soon as I discovered the fraud on XXXX. The account was several XXXX XXXX overdrawn. I had the account locked down so the thief couldn't do any more damage. PayPal customer service guaranteed the account was safe and locked. 
I was horrified to discover on XXXX that PayPal did not lock the account down, and the thief had charged even more. I called PayPal again screaming to lock the account down. Again PayPal said the account was locked down and safe. 
To my surprise and dismay, yesterday I received an email my PayPal account was - {$15000.00}, my fraud claim had been rejected, and they are taking me to collections. 
I am in the middle of trying to purchase my first home. My credit score has been decimated from this and now I don't qualify for a mortgage. On top of that, I am being harassed by PayPal 's debt collectors. I called yesterday and have had the case re-opened, but nobody at this company cares or is doing anything. Meanwhile, this is destroying my life. I need help here.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Debt Validation and Cease and Desist To, Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor. 

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report. 

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so. 

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to bring to your attention an urgent matter regarding a credit card account in my name. This account was opened and utilized without my knowledge or consent. Despite flagging this account as fraudulent, I have been informed by XXXX XXXX that I am responsible for the outstanding balance. It was only after applying for a mortgage that i learned of the account. I have attempted to resolve this issue multiple times, but I have been repeatedly redirected without receiving any meaningful assistance. I am seeking your help to rectify this situation promptly.
Consumer complaint received 2024-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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. (MD)

I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. 

XXXX, EQUIFAX AND XXXX HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to XXXX5 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 result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY
Consumer complaint received 2024-08-01
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello TRANSUNION. I just pull my credit and seen fraud. The fraud accounts is XXXX XXXX XXXX for {$2200.00} The fraud accounts is XXXX XXXX for {$410.00} The fraud accounts is XXXX XXXX XXXX for {$0.00} The fraud accounts is XXXX  for {$0.00} The fraud accounts is XXXX XXXX XXXX for {$10000.00} The fraud address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. Please remove this all fraud that disclose in this personal statement
Consumer complaint received 2024-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.