davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
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)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction.

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

So Im supposed to be closing on a A mortgage with XXXX XXXX XXXX, but the underwriter is giving me a problem saying I have active disputes on my credit report which I do not. I called all three reporting agencies to have such disputes removed. All three credit reporting agencies said there are no active dispute or dispute comments, XXXX XXXX services that XXXX XXXX uses is reporting Inaccurate information, causing me delays and possibly not able to close
Consumer complaint received 2024-09-28
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. (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 2024-10-27
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 2024-10-27
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)

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 2024-10-27
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)

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 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Experian asked me to provide proof of police report among other information in their letter to me dated XXXX XXXX to have the XXXX card account blocked I submitted all documents requested on XXXX XXXX they did not block the account and they did not investigate the dispute for the credit report number where I submitted all the information its been over 45 days with no answers.the credit report number they did not investigate is XXXX
Consumer complaint received 2017-07-18
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. (TN)

O n   XX/XX/XXXX  I received a packet from   XXXX   XXXX   XXXX  . The bank confirmed the fact they received my loan from   XXXX   XXXX   XXXX   on  XX/XX/XXXX   t o service. The account number is  XXXX . on my credit report from  XX/XX/XXXX . Case number  XXXX  you show a date of  XX/XX/XXXX  for that account. That is incorrect. I purchased my hom e   XX/XX/XXXX  loan number   XXXX   with   XXXX   XXXX  . The amount of my first loan was {$49000.00}. The loan with   XXXX   XXXX   XXXX   was discharged on  XX/XX/XXXX . The loan was wit h   XXXX   XXXX   XXXX   in  XXXX  .   XXXX   XXXX   XXXX   XXXX    confirmed this also. I had a loan with   XXXX   XXXX   also. The deed of trust is  XXXX  with   XXXX   XXXX  . The amount Of The loan with   XXXX   XXXX   was {$11000.00}. The loan was paid off.   XXXX   XXXX   XXXX   was a Home improvement loan. The spelling of my name was   XXXX   XXXX   XXXX   -the address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX .   XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   number  XXXX - XXXX  TN  XXXX ,   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX  - XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN   XXXX      XXXX   XXXX    XXXX  TN -Attorney   XXXX     XXXX   XXXX   XXXX   XXXX  . I used his address once. Attorney   XXXX   XXXX   address was   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX  TN  XXXX . Instrument number on the property at   XXXX   XXXX   XXXX    XXXX   XXXX  is   XXXX   XXXX  . Instrument number   XXXX   shows   XXXX   XXXX   XXXX  , unmarried.  XXXX  in the register office of   XXXX   XXXX   County, Tennessee.   XXXX   XXXX  , The pathways subdivision as shown on plat book 64, page 33. The property was foreclosed on and sold to Tennessee Housing Development Agency.   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX . The amount the property sold for is {$18000.00}. The register of deed # is  XXXX . The property parcel I 'd is  XXXX   XXXX  at   XXXX   XXXX   XXXX    XXXX  TN  XXXX .
Consumer complaint received 2017-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as   XXXX   XXXX  ,  XXXX ,   XXXX   XXXX  . I have also filed an FTC Id Theft report. I have not received any medical services in question. You have 4 bus days to stop reporting and delete the accounts once you have received my documents. FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 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
Consumer complaint received 2024-09-10
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)

Good day, this is very alarming as there are items on my credit report that have resulted from fraud to which I never benefitted from. This is making me really anxious and stressing me out, it's a really time-sensitive problem for who knows what else they are doing with my information and this is already devastating to me. 
I have reported them to the Federal Trade Commission but they are not removed from my report which is really frustrating.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax continues to report numerous unverified inaccurate information on my credit report, which is against the federal law. I have repeatedly asked how and who is verifying these inaccuracies. To this date I have not received anything verifying these inaccuracies. I have spoken to various personnel and visited the county recorders office and the clerks there stated that they DO NOT verify or even communicate with credit bureaus. So there is NO way my dispute was ever handled the proper way. Equifax obtains public record info from 3rd party companies such as   XXXX   XXXX   NOT from the actual courthouse. So this means when they " investigate '' and Equifax says the furnisher of the information is the courthouse, that is a big fat lie. How can Equifax say they looked at my current public record to verify a dispute when that info can only be ACCURATELY furnished by the county recorder ... that very same county recorder told me that they do n't provide that info to Equifax. I also have numerous address and names attached to my Equifax credit report that DO NOT belong to me.. I demand that these inaccuracies be deleted immediately or I will sue Equifax for each violation. I am tired of going back and forth with Eqifax about this and I am prepared to sue them.
Consumer complaint received 2017-07-18
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: EQUIFAX, INC. (CA)

My husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the one indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a  XXXX , my low was a  XXXX  from  XXXX  and I am totally embarrassed by this. My sister who has a Charge off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing one vital component to ensure that it is a fair assessment and that is my income, it only has  one  piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies,  ( 3  ) mortgages over $  XXXX  paid in full, never late, no bankruptcies and I am a  XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.
Consumer complaint received 2017-07-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed items on my report several times,  XXXX  refuse to delete items that have already been disputed on  Transunion. I  asked them repeatly to provide me with proof of their verification which they refuse to send me. I also ha d  XXXX  public Records  listed on my report. law as of   XX/XX/XXXX   state if cant verify it has to be removed. well all  XXXX  credit agencies removed   XXXX     of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also   XXXX     of the collections account was removed  (   XXXX   XXXX   XXXX   XXXX   ) and they put it back with out notifying me within  5  business day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method   XXXX   XXXX   XXXX   is undeliverable and how can you delete   XXXX  b ut verify the oher, please delete
Consumer complaint received 2017-07-18
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. (AL)

I pulled my credit and I have so many account errors. The accounts I have no knowledge of and have no knowledge of the debt. I sent in letters to the creditors and contacted them as well to let them know that this was n't my debt and also to ask them to remove them. I asked if they could send me the original paperwork because I know it is illegal for these companies to report these accounts on my credit report if they know it is n't my debt and I did n't sign for these accounts. I hope to resolve this so I do n't have to take legal action. The accounts are not mine nor is the debt. I have no knowledge of this debt.   XXXX   XXXX   XXXX   and  XXXX  is listed  XXXX  separate times and none of the accounts are mine.   XXXX   XXXX   XXXX   is also listed. This is not my debt and I have no knowledge of it.   XXXX   XXXX   is listed, this is not my debt and I have no knowledge of it.   XXXX   XXXX   XXXX   is listed. I have no debt with this company and have no knowledge of it.   XXXX   XXXX   is listed and I have knowledge of this debt. It does not belong to me. I have reached out to these companies asking for help. there is no balance on the accounts but they will not remove them from my Reports. I have told these debtors that this is n't my debt and that they should work with me to remove them but they wo n't. Please help me in resolving this issue as I only want my name cleared of debt that I had nothing to do with obtaining. Thank you.
Consumer complaint received 2024-09-28
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-10-06
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-07-11
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. (NY)

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 and 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 2017-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (WV)

On  XXXX / XXXX /17 Huntington National Bank involuntarily offset my account in the amount of {$550.00}. The problem I have with this is I spoke with a member of the Huntington National Bank customer service the week prior regarding the debt they took my money to pay. A phone call the representative I spoke with on  XXXX / XXXX /17 verified through their records. A customer service representative was supposed to contact me between  XXXX / XXXX /17 &  XXXX / XXXX /17 to set up a payment arrangement for this debt. Instead of calling me back to set up this payment arrangement, they decided to clear out my bank account instead without my knowledge. This left me with a {$0.00} balance, checks out for bills I had paid, and stuck in another state with no way home. As a courtesy, they refunded {$100.00} because I called them extremely upset that I was stuck somewhere else with my daughter and was unable to get home because they took every penny I had. I contacted them on two separate occasions after this explaining the situation and how I spoke with someone regarding setting up payments. They would not work with me at all. I went into a local branch and spoke with them about the situation and the man was very rude, stating the bank is not going to refund my money just because I ca n't manage my finances. I received a letter stating they had done this because they had contacted me by mail several times regarding the account that needed paid, but that letter was the first one I ever received from the bank. They also informed me they would refund a return check fee due to a check being returned because they took all my money. When I called back to get this refund, they had no intention of refunding it until I stated I was filing a complaint with the CFPB. I have been banking with this bank for several years and was very disappointed by the way this was handled.