davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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. (VA)

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. 

Account : XXXX XXXX XXXX  Account Number : XXXX XXXX was already removed from my XXXX report because they failed to provide proof of this account being mine, but TransUnion and XXXX are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. 

They also violated 15 USC 1681 i ( 5 ) Can you look into this?
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute and request the correction of inaccurate information contained in my credit report, as provided by your agency. This action is being taken pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Upon reviewing my credit report from your agency, I identified the following discrepancies : XXXX. LAST DAY ACTIVITY IS INNACURATE - ** Creditor : XXXX XXXX XXXX XXXX Number : XXXX The last day of activity is innacurate on my credit report. 
the creditor reported 3 different *LAST ACTIVITY DATE* on my credit which is a violation of FAIR CREDIT REPORT ACT The above inaccuracies have adversely impacted my credit score and caused me undue hardship. I request that your agency conducts a thorough investigation of these disputed items and takes appropriate action to correct or remove the inaccurate information from my credit report. 

For your reference and investigation, I have enclosed copies of relevant documentation supporting my claim, which include : a copy of the credit report I trust that your agency will handle this matter with the urgency and diligence required by the Fair Credit Reporting Act. Please notify me promptly of the outcome of your investigation and provide me with a revised copy of my credit report. 

I appreciate your cooperation and attention to this important matter. If you require any additional information or have any questions, please feel free to contact me at the phone number or email address listed above. Thank you for your prompt attention to this request
Consumer complaint received 2024-06-12
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. (IL)

None of these belong to me. 

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/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian and XXXX are both reporting erroneous information regarding my mortgage loan with XXXX. Experian and XXXX FAILED to report the correct balance and its status, stating that the balance has increased ; when in fact, the balance has done the opposite. The balance has actually decreased. This moronic reporting has resulted in a XXXX point decrease of my credit score. I want this smartly corrected.
Consumer complaint received 2024-06-12
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-12
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-12
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I am an XXXX of 11 years. I had a mortgage account through Nationstar. I applied more than 12 times to their Uniformed Borrower Assistance Program in an effort to keep my home. My home was listed for rent and rented out, however those individuals who moved in did not make any attempt to pay their debts and resulted in an eviction through the county of XXXX XXXX. During this time I applied through Nationstars program several times with multiple failed attempts. Their process was not thorough, direct or even remotely close to customer service as it should have been. I had to make dozens of attempts for communication, I did n't know where to look for the status of the application, many times I was told I was missing information when I had already submitted it to the representative either via email or through their website. 

The end result was a Died in Lieu of which closed in XX/XX/XXXX. Recently an inquiry on my credit report indicated Nationstar had reported a 120 late payment notification as of XX/XX/XXXX. This negative inquiry in my credit report resulted in a referral ineligible when applying for a new home loan. This is an inaccurate report and very inconvenient to me and my family.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME XXXX XXXX. 
LAST NAME. XXXX XXXX XXXX. XXXX SECURITY FREEZE
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account Name : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022 I sent a wire transfer to XXXX XXXX, with XXXX XXXX XXXX, in the amount of {$1500.00} 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 I sent pictures to the supplier and requested a return and exchange or refund, which both were denied. I continued to plead with the supplier for months to accept a return or exchange, with no luck. Finally in XX/XX/2022 I disputed the charge with Capital One Bank. After less than 24 hours Capital One denied the dispute with the response : we looked into this, and our research show the payment was processed according to your payment instructions. I never argued that I did not authorize the payment. I argued that I received good that were not usable. This is evidence that they, in fact, did not research my claims, or even reach out to the merchant. 

After to luck with the supplier, or Capital One, I reached out to XXXX, XXXX on XX/XX/2022. XXXX is the service that I used to transfer the funds to the supplier. XXXX advised me to file a police report and take up the matters with my local police department. 

I am at a loss here and I am unsure how to retrieve my funds or actual retainable good. I operate a small business that can to afford to take a loss. 

I will attach photos of all communications.
Consumer complaint received 2024-06-12
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. (FL)

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 XXXX Account Number : XXXX 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 2024-06-12
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. (NV)

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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-12
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. (NH)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
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: ENCORE CAPITAL GROUP INC. (FL)

I disputed accounts on my credit report that were opened during my incarceration and provided proof of incarceration, after the so called investigation it was verified as accurate and it cant be possible or proven that I opened the accounts on question I seek immediate compliance with law and request all compensation due for the negligence and failure to obey the law which has caused me much difficulty at this time while trying to purchase a home
Consumer complaint received 2024-06-12
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)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX XXXX  open a credit builder account and begin reporting to all XXXX credit bureau. I was also able to connect experian credit monitoring within the XXXX  app. 

Around mid XX/XX/XXXX experian credit monitoring was disconnected from XXXX  and I was never able to reconnect it, then XXXX  credit reporting was removed from experian. That resulted in my credit score taking a nose dive back to XXXX XXXX I have been trying for months to resolve this manner and both parties XXXX and experian are pointing fingers. When I call XXXX  they say that they are accurately reporting to all XXXX bureaus and I can say that XXXX and XXXX is still being reported not Experian. 

The failure of experian to try to resolve this manner and I dont know what else to do. I am a single mom who is experiencing homelessness with a child that is XXXX and many the rental use Experian to run their reports. 

I have contacted experian on XXXX, XXXX, XX/XX/XXXX, XXXX to come to a resolution and so far nothing. I was giving a case # XXXX. 
I dont know what to do when both parties XXXX  and experian feels its not their issue and I am stuck in the middle trying to resolve the issue and cant seem to do so because merit parties want to accept responsibility and resolve the manner. 

XXXX  saying they ate reporting and experian says they are not reporting and when I asked them how is it that I saw it on my report and then its not on their. My only mistake was not capturing a screenshot of it. 

I have attached screenshots of what my XXXX score looked like when Experian was reporting and what it looks like since XXXX  builder been removed.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX complaint came back as " resolved ''. Case is not resolved. Bank of America states " documentation of prior proof of payment not received ''. We have faxed to them copies of prior payment with another credit card. They stated that FULL credit card number must be on statement showing payment was made for spa services prior to boarding princess cruise ship. We DID send them statement with FULL credit card number. Agent verified receipt of that fax. Bank of America response is " dispute for {$210.00} denied????????? not sure where {$210.00} came from???? our dispute amount is {$650.00}. 

repeat of previous claim : We paid for ALL spa services prior to boarding with another credit card. There was to be NO spa charges after boarding cruise ship.
Consumer complaint received 2024-06-11
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (OK)

On XX/XX/XXXX someone unlawfully requested and received a Direct Express Debit Card ending in XXXX. 
In XXXX of XXXX I was forced to go back to Direct Express ( this is where I receive my monthly social security benefit check ). I received card ending in XXXX. Within XXXX hours of learning that card ending in XXXX was issued XXXX months prior, the card was stolen. I reported this immediately to Direct Express. According to Direct Express '' s mobile app this card is associated with my current card and as recent as XX/XX/XXXX this card shows debit activity. The same thing for another debit card ending in XXXX. That card was reported lost/stolen in XX/XX/XXXX and shows debit/adjusted credit and debit activity as recent as XX/XX/XXXX. The dates correlate to when I have physically changed geographic locations. More concerning is the fact that Social Security shows " multiple payment accounts '' in conjunction to how and where my monthly benefits are direct deposited. I recently submitted a complaint about missing refunds from XXXX that were supposed to be credited back to my direct express debit card but have mysteriously " disappeared ''. I just received two letters from an " advocacy group '' representing themselves as representatives from Direct Express but the letters have the incorrect XXXX  numbers associated with my complaints as well as a New York number when in fact Direct Express is located in XXXX XXXX Texas.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and Experian, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX