davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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. (NV)

I am writing to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my case. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX 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 2024-05-30
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)

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. 

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 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (OR)

Set up payment with Mr. Cooper in XX/XX/year>. Had two payments taken out at once to set up biweekly payment. Checked account in XXXX & found I had late payment, likely damaged credit. Attempted to talk to someone in person at Mr Cooper but unable related to challenging phone options. Paid & set up payment but only once a month, not the way I intended
Consumer complaint received 2024-05-30
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. (OH)

I have been a victim of identity theft and I have had a number of unauthorized accounts/inquiries listed on my credit report. I also had a bankruptcy listed that was furnished by way of forgery. This bankruptcy account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so you guys are committing forgery fraud and will be reported to the authorities for that. I need these unauthorized accounts and inquiries removed immediately
Consumer complaint received 2024-05-30
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)

I am writing to seek the assistance from you in resolving a matter involving fraudulent items on my credit report. Despite my repeated attempts to rectify these issues directly with the credit reporting agencies and the respective financial institutions, these inaccuracies remain unresolved. I have identified several accounts on my credit report that are fraudulent and were opened without my knowledge or authorization. I have contacted the credit reporting agencies and the financial institutions involved to dispute these fraudulent items. I have provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. Despite these efforts, the fraudulent items remain on my credit report, causing significant damage to my credit file. With this, I am asking for your assistance for the immediate removal of all fraudulent items from my credit report and assurance that my credit report reflects accurate and up-to-date information. The presence of these fraudulent items on my credit report is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting for your intervention to ensure that these inaccuracies are corrected promptly and that my credit report accurately reflects my credit history. These are the following items I want to remove : 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 XXXXXXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXX/XX/year>.
Consumer complaint received 2024-09-23
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (PR)

On XX/XX/year>, I received an email from a debt collection agency ( XXXX XXXX XXXX, also known as National Recovery Agency ) regarding an alleged utility debt for {$81.00}, claimed to be owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt and believe it is invalid. I contacted the agency on the same day by replying to the e-mail and requested formal validation of the debt, as well as proof that they are licensed to operate as a debt collection agency in XXXX XXXX, where I reside. 

The representative from the agency, XXXX XXXX, acknowledged receipt of my request several times but refused to provide licensing documentation and stated that they are only required to verify the debt. He insisted that they needed my physical mailing address to send validation, even though all prior communication had been conducted via email. They did not provide validation of the debt nor licensing information, and I can not find a company by this name licensed to perform this activity in XXXX XXXX. 

On XX/XX/year>, I received a voicemail from the collection agency requesting a callback. I returned the call and spoke with a representative who said she couldn't answer question, and then transferred me to XXXX, a " XXXX XXXX XXXX XXXX', at approximately XXXX pm. During the call, I informed her of my previous communication with XXXX XXXX and again requested proof of the agency 's licensing in XXXX XXXX and verification of the debt. XXXX refused multiple times to provide the information, became belligerent, and then hung up on me after I notified her that the actions were inconsistent with consumer protection requirements and that I would file a complaint if information was not provided. 

I have checked publicly available records and can not find evidence that XXXX XXXX XXXX is licensed to collect debts in [ state of residence ], as required by local law. Despite my requests for debt validation and proof of licensing, the agency has continued to contact me without providing the required documentation.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ADP Inc. (CA)

Today, I got an email that sent me a temporary password to log into my Wisely account. However, I know I do not own an account with that banking company. Upon further inspection, it seems that I am getting Wisely account notifications to spend money on a debit card that I have opened ending in XXXX. I tried calling customer service and it wont let me get through to a customer service representative. I know I did not open this account and I am concerned someone has access to an account that I did not authorize.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have letters to XXXX XXXX  asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I want this account deleted immediately. you violated my rights under the FCRA by not fairly and accurately reinvesting my disputes. I do have all my letters that i sent certified and the person the signed.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-11-05
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. (FL)

XXXX is reporting invalidated information about me, XXXX has never responded to any debt validation request and has never proven to have loaned consumer any money. XXXX has not provided a full account number nor any lawful binding conspicuous contract between consumer and XXXX XXXX. Monthly statements which are in the positive does not prove a debt exist. XXXX is reporting this invalidated negative information just because XXXX XXXX and their debt collection law firm are claiming the debt exist but have never responded to any of my debt validation request which is proof of XXXX XXXX unwillingness to validate. This is all truth and fact as XXXX XXXX  has no proof of any information requested.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 to be removed/updated. 

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. 

I have requested proof that this information was mailed or delivered 21 days before 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!
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have letters to XXXX XXXX  asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I want this account deleted immediately. you violated my rights under the FCRA by not fairly and accurately reinvesting my disputes. I do have all my letters that i sent certified and the person the signed.
Consumer complaint received 2024-05-30
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)

This is my follow up to express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. I expected a swift and effective resolution, but the process has been marred by incomplete information. Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. I am asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XX/XX/year>.
Consumer complaint received 2024-05-30
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Employers SELF EMPLOYED - Incorrect Employers XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect XXXX XXXX, XXXX, XXXX - Incorrect Name XXXX XXXX XXXX - Incorrect Name
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/XXXX, I opened an account with Capital One bank over the phone, since they do not have office in XXXX. I made a call and they told me that without being a US resident I could open the account and asked me for my Passport and my Social Security. I told him I was from XXXX and he said there was no problem. 
The account was opened and without problems began to operate through XXXX. in XX/XX/XXXX, I tried to make a XXXX and it was not possible ; He called to see what happened and at that moment I They said the account was blocked because I couldn't have an account with them if it wasn't resident or citizen US documents, my response was that my XXXX passport was accepted without any problem when opening the account, and that if there was any error it was not my fault, but that of the person who opened the account for me and entered my XXXX social number ( of which I provided a photo and which very clearly it says Social Insurance Number and a XXXX flag. there was no reason to get confused and think it was an American social number. 
Since XX/XX/XXXX, I have made countless calls to the bank and their response is always that the account is under review by the bank 's security department, I have requested in each call close the account to no longer have my money withheld but their response has been the same " WE SHOULD WAIT FOR THE INVESTIGATION TO BE COMPLETED. '' At that time I did not know what investigation were they talking about since the reason why the account was blocked was for not having a American but XXXX social number These calls are made approximately every month without having any other response. 
that they have given me from the beginning. 
In XX/XX/XXXX, I received a statement from the bank, unfortunately it had been misplaced in other documents and I only found it now in XXXX and opened it, and I realize that there is a withdrawal on the XXXX XXXX for the total value of the account balance, leaving ZEROS. 
I called again and this time they put me through to a person from the security department who answered in English and through a translator, told me that my account was closed because the security department found fraud and the money was returned in a check. I said no had received the check and his response was that I was not the real owner of that money and that this had been returned to its owner. 
I asked him for more explanations but he didn't want to give them to me and that the bank also had no obligation to Give me more explanations neither by phone nor in writing.
Consumer complaint received 2024-05-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AL)

I had signed a lease with the XXXX XXXX  XXXX around XX/XX/XXXX, XXXX months next I had called them to terminate the lease before it had even started, it was supposed to start in XX/XX/XXXX they told me that they had terminated and canceled it, no problem from there on out. On XX/XX/XXXX, I received a letter in the mail from a debt collection agency requesting that I XXXX XXXX XXXX owe {$8000.00} for a lease for the XXXX XXXX XXXXXXXX XXXX. I gave them a call and explained to them that they told me that they canceled the lease, the apartment manager seemed to not want to work anything out, although he did tell me that a tenant did replace me in the apartment. It seems to me that they were charging me for rent while someone else was living in the same apartment I signed the lease for, this is a violation of the law in the XXXX XXXX Alabama. I have disputed this collection with all XXXX credit bureaus, I submitted XXXX through XXXX, it came back as accurate, I submitted a XXXX dispute, it had been removed. I submitted XXXX through XXXX, they came back and said it was accurate, I submitted XXXX through XXXX, I am still awaiting a response. It doesn't make sense to me how they took really long to respond to all of my disputes as well. When they came back with a response with XXXX, they provided XXXX information or proof regarding my debt, all that I received was that it was validated as accurate. I called the National Credit Systems, whom was in control of my debt, they said my debt had been passed off to a law firm by the name of XXXX XXXX XXXX XXXX XXXX, I have received XXXX calls from them, nor are they represented on my credit report. I do not find this debt collection fair and would like for it to be investigated.
Consumer complaint received 2024-05-30
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. (PA)

My recent credit report is showing unauthorized unverified inquiries. These unauthorized inquiries are negatively affecting my credit and I need them removed immediately. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experian : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted the credit bureaus to have this unauthorized inquiries removed, with no response.