davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
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. (FL)

I am reporting that I have been a victim of fraudulent activity. In my efforts to remove fraudulent items from my credit report, I learned that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX : XXXX. According to FCRA Section 605B, Credit Reporting Agencies must remove any items listed in an identity theft report with reference number XXXX. Attached are the documents needed to remove the incorrect personal information and inquiries posted to my report. The following items were opened without my authorization : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, FL XX/XX/XXXX. Under FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items identified by a consumer as resulting from identity theft within four business days of receiving the report.
Consumer complaint received 2024-06-18
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. (PA)

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 2024-06-18
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. (NC)

I appreciate your time to REMOVE some of the erroneous items in my file that resulted from an incorrect credit report information but I still have an inquiry left that needed to be removed. I recently reviewed my updated personal credit report and found that theres a remaining unauthorized credit inquiry still present. Despite sending an FTC report # XXXX, this inquiry has not been removed. I previously contacted the company listed below, asking them to remove this inquiry from their records and erase it from all credit reporting agencies. They assured me they would comply and resolve the issue. The company received a certified letter stating that the inquiry was unauthorized, and I requested its removal. I ask that you immediately delete the unauthorized inquiry mentioned below. The purpose of this complaint is to remove the unauthorized hard credit inquiry from my credit report. Theres still ONE ( 1 ) unauthorized inquiry listed below. I also attached here my new FTC report for your reference, with number XXXX : 1. XXXX XXXX XXXX XXXXXX/XX/year>. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was 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 information relating to any transaction by the consumer. This complaint is to notify you if you do not REMOVE the listed inquiry on my report, I might be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance. This is your LAST NOTICE. Please REMOVE the INQUIRY resulting from a faulty credit reporting.
Consumer complaint received 2024-06-18
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. (OR)

I am writing about the ongoing issue regarding the removal of fraudulent items from my credit report. Despite providing all necessary documentation and following the prescribed procedures for disputing inaccurate information on my credit report, the items remain unresolved, causing significant distress and impacting my financial standing. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent items on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. I urge you to help me escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. Please help me remove these items immediately : XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-18
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. (GA)

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 NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-06-18
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I open my account with chase and was using the account as a saving account, my account was used all the transactions on account are fraud I open a fraud case and they denied my claims and claim that it was made by me after providing them that my phone was stolen by my ex boyfriend and that he was the one with the phones and all my personal information like my card information due to fact that he its connected to my XXXX XXXX, I provided them with a police report and they have not done nothing to recover back my money they had cleared a balance in my account and then went back and reverse the amount after calling collections they tell me there is no balance and I need to speak with customer service I have reopened the claims mulitple times and have tried to get back my money and they refuse to help me
Consumer complaint received 2023-10-02
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. (WV)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-18
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. (FL)

I was a victim of fraudulent activity, and I need your help to remove the fraudulent items from my credit report. My research indicated that I must file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA Section 605B, credit reporting agencies must remove items listed in an identity theft report, using reference numbers XXXX and XXXX. Attached are documents to assist in removing the erroneous personal information and inquiries from my report. The following items were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX. Per FCRA Section 605B ( a ), credit reporting agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.
Consumer complaint received 2021-03-10
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. (KY)

I am very stressed out because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal actions.
Consumer complaint received 2023-10-26
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)

EXPERIAN and TD BANK received non public private information in the form of a credit application as a security collateral to receive credit for my consumer for family and personal needs. TD BANK with the help from EXPERIAN used the XXXX XXXX scam to discriminate against my person and block my person from trade and commerce by violating my inalienable right to credit while the consumer is practicing good faith in doing so. EXPERIAN and TD BANK must be receiving kickbacks from the adverse action giving to consumers practicing good faith and their right to credit. EXPERIAN remove inaccurate inquiries from my consumer profile placed by TD BANK on XX/XX/XXXX and XX/XX/XXXX both inquiries are results of identity theft and unauthorized consumer credit transactions which no consent was released. as a living man, I believe that my property is being administered without my consent, and I require the immediate restoration of said property or I will be charging a dollar per second until the remedy is given. My application that I endorsed not as an accommodation to the party not as joinder or surety but as a creditor/beneficiary in my private capacity. The injurys caused by adverse action hindering my rights as the original creditor giving his energy to obtain credit has caused severe damages in real time and I demand restoration. This is my notice to EXPERIAN and XXXX BANK for the violation of the EQUAL CREDIT OPPORTUNITY ACT and CONSUMER CREDIT PROTECTION ACT along with withholding my securities committing securities fraud. Release my application for credit and return the application for credit. I revoke restrict rescind retract all interest or proceeds or anything of value from TD BANK and have it returned to the original creditor.
Consumer complaint received 2015-09-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

After weeks of applying, XXXX with XXXX from which my mortgage was transferred to Nationstar, I was approved for a loan modification. First, my mortgage total amount was increased by approximately {$20000.00}. from the original amount. I thought that the modification was for the life of the mortgage, however, my mortgage payments have increased by over {$250.00} since it 's inception.and is scheduled for yet another increase in 2016. Once the increase was supposed to be for escrow shortage even though the expenditures had been met. When I try to reach the bank for clarification, the connection is dropped and clear and direct answers are never in writing. I have not missed a payment in five years, however I am besieged by by calls as early as the XXXX until the payment is posted. Since XXXX of the qualifications was that you have to be in foreclosure, shopping around for a less predatory and transferring my modification is not an option. What other options are available to me? I am a senior citizen who is retired and became XXXX about XXXX mos. ago. Because of the initial increase, my house value has been under water for the last 5 years.
Consumer complaint received 2024-06-18
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. (VA)

This is my first time I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance Owed : {$220000.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00XXXX XXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2024-06-18
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. (NJ)

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 XXXX business days after the date of receipt. 
XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> CCR XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-06-18
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
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)

EXPERIAN and XXXX XXXX received non public private information in the form of a credit application as a security collateral to receive credit for my consumer for family and personal needs. XXXX XXXX with the help from EXPERIAN used the credit score scam to discriminate against my person and block my person from trade and commerce by violating my inalienable right to credit while the consumer is practicing good faith in doing so. EXPERIAN and XXXX XXXX must be receiving kickbacks from the adverse action giving to consumers practicing good faith and their right to credit. EXPERIAN remove inaccurate inquiries from my consumer profile placed by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX both inquiries are results of identity theft and unauthorized consumer credit transactions which no consent was released. as a living man, I believe that my property is being administered without my consent, and I require the immediate restoration of said property or I will be charging a dollar per second until the remedy is given. My application that I endorsed not as an accommodation to the party not as joinder or surety but as a creditor/beneficiary in my private capacity. The injurys caused by adverse action hindering my rights as the original creditor giving his energy to obtain credit has caused severe damages in real time and I demand restoration. This is my notice to EXPERIAN and XXXX XXXX  for the violation of the EQUAL CREDIT OPPORTUNITY ACT and CONSUMER CREDIT PROTECTION ACT along with withholding my securities committing securities fraud. Release my application for credit and return the application for credit. I revoke restrict rescind retract all interest or proceeds or anything of value from XXXX XXXX and have it returned to the original creditor.
Consumer complaint received 2024-06-18
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. (NJ)

I am writing to demand the fraudulent XXXX account and inquiries that have been reported to my credit report, be completely removed from my credit profile. I have submitted fraud reports for this account to be removed in 4 days, disputed, and thoroughly investigated because I did not open these accounts. By law, an FTC works when identity theft is involved and the account needs to be removed immediately, within XXXX business days. We go by the law. I as a consumer have my legal rights. 
This account and inquiries must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. Please remove this illegal account, Thank you for your time and help in this matter FRAUDULENT Account to Remove : - XXXX XXXXXXXX - Fraudulent Account Account Balance : {$0.00} FRAUDULENT INQUIRIES to REMOVE from Experian : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-18
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)

I am attaching a dispute i sent multiple times to all three credit bureaus, i have researched USC 1681 aggravated identity theft and have identified multiple accounts, names, addresses, and job history that are in correct and where improperly added to my consumer report without my permission.