davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

On my credit report for XXXX and Experian, it is still showing a XXXX loan balance, however, my loans were forgiven by the Biden Administration effective XX/XX/2023. The balance for my loans need to reflect {$0.00}.
Consumer complaint received 2023-05-01
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. (FL)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX 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 XXXX XXXX XXXX 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 2023-12-22
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-12-22
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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 2024-05-01
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Account : XXXX
Consumer complaint received 2024-11-15
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. (MO)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I am writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report. Upon reviewing my credit report, I noticed these hard inquiries that I did not authorize, and I believe these are result of fraudulent activity.
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

Our loan was sold from XXXX to a company called XXXXLakeview XXXX We dont pay taxes on our property, we pay what is called a pilot into a pilot program through the township. This is an agreement with the town for 30 years to keep our pilot amount half of what taxes for the same place would cost. 

I have explained this and provided the township 's pilot bills to XXXX/Lakeview. They have miscalculated what we owe in our escrow, and collecting more than XXXX more that what we actually owe per month, bc they misread the township 's pilo statement. I have called XXXX/Lakeview at least 5 times, spoken with and visited our township for help, to no avail. If we dont pay the XXXX extra every month, they threaten to report us a loan default. 

We can not continue to afford a payment XXXX higher than what it should be, monthly. We are desperate for some help but the company is unwilling to help us. The township where they pilot gets paid- XXXX XXXX XXXX XXXX/Lakeview- XXXX. Our loan number is XXXX they are up to charging us {$6500.00} per month. Please help.
Consumer complaint received 2023-05-01
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. (MO)

This is XXXX XXXX and I am submitting this CFPB Complaint to follow up the first CFPB Complaint I submitted requesting the removal and deletion of the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XXXX XXXX XXXX I sent a dispute letter with complete atachments of my personal identifying documents with the FTC report I received from the FTC for reporting the fraudulent activities I found on my Credit File. I made research on how to remove the fraudulent items off of my Credit File and found that under the protection of the Fair Credit Reporting Act section 05b, I can request to the Credit Reporting Agencies to conduct an investigation on my Credit file and remove any accounts and information that resulted due to the fraudulent activity. Once again, I am requesting that the Credit Bureaus remove the following items off of my Credit File as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX. If the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that the Credit Bureaus send me copies. However, if the Credit Bureaus find no such documents, immediate deletion of the disputed items is to be expected.
Consumer complaint received 2023-05-01
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. (NJ)

I reviewed a copy of my credit report and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX XXXX XXXX XXXX ) and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (NJ)

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

No matter what I have dispute with Experian they refuse to erase inaccurate information. They have sent me a notice stating they are unsure of what to delete and what to keep on my credit file which is unfair.
Consumer complaint received 2023-05-01
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the accuracy of late payment reporting on my credit report. Upon reviewing my credit report, I have identified a late payment that I believe to be inaccurately reported. I understand the importance of accurate credit reporting and the impact it has on my creditworthiness. As such, I request that you conduct a thorough investigation into the late payment reporting and take appropriate action to correct any inaccuracies.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I understand that deciphering the intricacies of credit reporting can be as challenging as decoding hieroglyphics. However, I find it perplexing that some fraud accounts have successfully made their grand exit, while others seem to have mastered the art of resurrection. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
LET ME BE CRYSTAL CLEAR : ALL DISPUTED FRAUD ACCOUNTS ON MY CREDIT REPORT ARE THE RESULT OF IDENTITY THEFT, not some avant-garde performance art. I fail to comprehend why some of these impostors have been granted an unceremonious eviction, while their counterparts continue to throw a raucous party on my credit history. 
XXXX XXXX  XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand a fair and equitable resolution to this enigmatic situation. If certain fraud accounts can be deleted with the swiftness of a XXXX disappearing act, then surely, the rest can follow suit. It's only fair, right? OR IS FAIRNESS JUST ANOTHER ILLUSION IN THE MYSTERIOUS REALM OF CREDIT REPORTING? I implore you to exercise your investigative prowess and uncover the secrets behind this confounding conundrum. WHY DO SOME FRAUD ACCOUNTS RECEIVE A VIP PASS TO THE EXIT, WHILE OTHERS CLING TO MY CREDIT REPORT LIKE UNWANTED HOUSEGUESTS?
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc. (TN)

Resident Verify by Entrata is engaging in fraud and identity theft. I did not give them consent or authority to share my personal nonpublic information. Resident Verify by Entrata does not have my consent to have and share my private personal information. They are a nonaffiliated third party and they are involved in aggravated fraud and identity theft. They are violating my right to privacy as a consumer by reporting inaccurate, false, damaging information to consumer reporting agencies. They are in violation of multiple federal laws. My only name is XXXX XXXX. My only address for the past XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TN XXXX.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WI)

It started when I was booking reservations with American airline flight. While I was reaching the balance to pay an ad window came promoting a credit card application with CITI bank and receive {$300.00} discount on the balance and some free miles. I applied and approved instantly most likely because I had good credit score. However, the discount promoted was not applied to the balance instantly as it appeared in the ad window. When I came from the trip, I received the first statement. Reflecting the total balance with no discount. I called CITI bank customer service and was told it will be reflected next month or after the next, they said " sometimes it takes time to be applied and I should submit the monthly due. XXXX I did but months later I still never successfully any resolution even I requested investigation and bouncing back and forth between Citi bank and XXXX XXXX. Every time I called, I got the run around by Citi bank agents. This started back in XX/XX/2022. Current balance XXXX with added fees and interest which didn't plan on accumulating. I would have paid my total balance if it was should have been after the discount.
Consumer complaint received 2023-06-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SANTANDER HOLDINGS USA, INC. (VA)

Option for issue was not available. This was the closes option. XXXX XX/XX/2021 I was injured at work causing me to go to the ER and doctors multiple times. XX/XX/2021 I was provided letters from my doctors putting me on XXXX leave causing my income to drop and my medical bills to sky rocket due to needing XXXX XXXX. I contacted Santander Bank to ask if they could defer my payments or work with me on payments due to medical and financial issues. I was denied and told they could not help me other than to push my payment back a few days. During this time I was left XXXX and on XXXX. XXXX refused to work with me on payments or allow me to speak with anyone else. They stopped answering my calls after awhile. My vehicle was repossessed a few months later. I received a notice shortly after in the mail stating I owe a remaining balance of {$6700.00}. I have not heard anything from the company since the collection was posted on my credit report. I can provide medical bills and doctors/ ER visits if needed as evidence.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

To whom it may concern I sent a dispute letter to XXXX on XX/XX/XXXX via certified mail with a return receipt. Informing them about a comenity bank account reporting inaccurate information on my credit report. Comenity bank was reporting a / XXXX account on my credit report that they sold to XXXX  XXXX XXXX XXXX back on XX/XX/XXXX. Today XX/XX/XXXX I received a letter from XXXX  XXXX XXXX XXXX stating that this account should have been deleted. XXXX refused to delete this account and constantly violated my consumer rights and just sending me generated responses letter. I need this matter resolved immediately because their the only credit agency that wont remove this & its causing me damage to my consumer report. I never gave XXXX written consent or permissible purposes to report any account on my consumer report.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

To whom it may concern I sent a dispute letter to equifax on XX/XX/XXXX via certified mail with a return receipt. Informing them about a comenity bank account reporting inaccurate information on my credit report. XXXX XXXX  was reporting a / XXXX account on my credit report that they sold to XXXX XXXX XXXXXXXX XXXX back on XX/XX/XXXX. Today XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX stating that this account should have been deleted. Equifax refused to delete this account and constantly violated my consumer rights and just sending me generated responses letter. I need this matter resolved immediately because their the only credit agency that wont remove this & its causing me damage to my consumer report. I never gave Equifax written consent or permissible purposes to report any account on my consumer report.