davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
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)

Attached Experian will find the " data furnishers '' response to case XXXX XXXXXXXX. 

" Alleged account furnisher '' advised that the " alleged '' account in question is hereby DELETED!!!!. 
Experian has failed to update their records to reflect. Here is the " data furnishers '' response to the disputed account based on identity theft. 

Dear XXXX XXXX, This communication is from XXXX XXXXXXXX XXXX XXXX XXXX, a debt collector, and is in response to a complaint we received from the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXXXXXX case # XXXXXXXX. We take all complaints seriously and evaluate each one on a case-by-case basis. This response was submitted to the CFPB on XX/XX/XXXX. We are in receipt of your FTC Identity Theft Report and have completed our investigation into your complaint. The account has been removed from credit reporting. We have processed a manual credit deletion. Please note that we have no control over the amount of time it will take the credit reporting agencies to update your report. If you need further assistance, you can reach us by phone by calling ( XXXX ) XXXX. We are available Monday Friday from XXXX XXXX XXXX XXXXXXXX XXXX CT. Any of our representatives will be happy to assist you.
Consumer complaint received 2023-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

PHH AND THE HACKERS THEY PUT ON ME ARE CURRENTLY ILLEGALLY HACKED INTO THE PUBLIC COMPUTERS AT THE XXXX XXXX XXXX IN XXXX XXXX XXXX PREVENTING ME FROM DOWNLOADING THEIR FRAUDULENT DOCUMENTS THAT THEY ILLEGALY HACKED INTO THE DEEDS AND RECORDS DEPT. AT XXXX XXXX COURTHOUSE HERE IN XXXX XXXX AND PLACED TO FRAUDULENTLY AND ILLEGALLY FORECLOSE AND THEN EVICT ME FROM MY PROPERTY AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THE ATTACHED DOC IS 100 % FRAUD AND THEY ARE PREVENTING FROM SUBMITTIN IT TO SHOW EXACLTY THE CRIMNAL AND ILLEGAL HACKING THAT THEY ARE DOING TO HOMEOWNERS HACKING IN AND FILING FALSE AND FRAUDULENT DOCS IN A COURT OF LAW TO EVIC, STEAL, AMD THEN FRAUDULENTLY SALE HOMEOWNERS HOMES. 

WHEN IS THE FBI AND OTHER LAW ENFORCEMENT AND REGULATORY AGANCIES GOING TO GET INVOLVED AND CRIMINALLY CHARGE THESE HACKERS ALREADY?!!!! 

THESE HACKERS NEED TO FACE CRIMINAL CHARGES ALREDY!
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Each time I try to fix and or dispute inaccuracies, I am being told that certain things are factual. So here I am again, trying to fix inaccuracies on my report. All XXXX reporting agencies is furnishing somethin different on each report. Trying to get this fixed is like looking for a needle in the ocean.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

In XX/XX/2023, I contacted XXXXXXXX XXXX  regarding account # XXXX ( letter attached ) which had appeared on my Experian credit report. I requested that XXXXXXXX XXXX do a through investigation as to whether the account was fraudulent. XXXX XXXXXXXX XXXX followed up with me and confirmed ( letter attached ) that the account was fraudulent and that I was not responsible for it. I contacted Experian regarding this fact, forwarded them the XXXX letter and requested that they acknowledge and remove the fraudulent account from my report ( letter attached and request for deletion highlighted in yellow ). As of today Experian has not acted to remove this fraudulent account.
Consumer complaint received 2024-07-05
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-07
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. (NY)

i see a recent fraudulent inquiry added in my report. Kindly remove it as soon as possible. Thank you. 

XXXX XXXX  XXXX inquiry date XX/XX/ XXXX XXXX
Consumer complaint received 2024-01-03
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. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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, has violated my rights. 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 an 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 2023-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

After receiving my year end escrow letter and feeling it was way too high. I ran the numbers as per their letter and how it was calculated. Found it to be wrong. I sent them, SPS Select Portfolio , Inc a letter explaining my findings on XX/XX/2023. I then received an email that they have my letter. I have called several times asking for someone to go over the calculations with me and I am told it is not complete yet. However, they are going to want my large, wrong payment on XX/XX/XXXX. Need this recalculated quickly as I am XXXX, and the high payment will take away my food money. By law they can, only hold about XXXX. I could not upload their letter but I am sending you my letter in response.
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (OH)

I was deeply upset to find unauthorized inquiries on my credit report this evening, and I have no idea how they got there. I routinely check my credit report, but this time there were unexpected discrepancies. I even tried refreshing my browser to see if it was a glitch, but the unauthorized inquiries remained. I'm frustrated by this situation and urgently request a thorough review of the documents Ive submitted so I can have peace of mind.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Equifax agency XXXX XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX Account no. XXXX XXXX. XXXX XXXX XXXX : Account no. XXXX XXXX. XXXX  XXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX XXXX. XXXX XXXX XXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX : Account no. XXXX XXXX. XXXX : Account no. XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-01-03
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.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Original Creditor Name THE RIDGE ON XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 




In accordance with the Fair Credit Reporting act XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, including incorrect amounts and dates.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

Inside atm at the PNC bank in XXXX, IL XXXX XXXX XXXX XXXX shorted me {$100.00} when I took cash out. Bank did credit it back to me to do an investigation but now taking the {$100.00} back out of my account causing me to overdraft, I know how to count and I know it shorted me so either bank is lying or the what ever company owns the ATM is lying
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-19
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 have made numerous attempts to address the fraudulent, inaccurate, and misleading information present on my consumer report, but the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to note that I did not authorize or consent to the association of this information with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-04-20
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Open Date XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I believe FCRA 605B obligates us to eliminate any erroneous accounts from my credit report. Can you verify the documents? Several of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Late payment was placed on credit report my Reporting agency and its an error! Ive made all payment on time to the account and it was paid in full and closed. I dont know how it happen but its incorrect and Id like this account updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to paid on time as agreed never late immediately!
Consumer complaint received 2024-07-21
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

I have an Amex XXXX card, and I was given {$200.00} in hotel credits. I booked a hotel on XXXX ( {$350.00} ) and I was credited {$55.00}, which are correct. However, when I cancelled that hotel booking on XXXX, I got refunded ( {$350.00} ), and also a charge back of {$250.00}. I understand that the credit will be clawed back, but the amount should be {$55.00}, b not {$250.00}. 

I have tried to contact Amex and they always redirect me to Amex travel. And Amex travel always says that they are investigating, but have not got back to me.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have fallen victim to identity theft and have duly reported the incident to the appropriate authorities. It is troubling to note that while other credit bureaus have promptly acknowledged and removed the fraudulent accounts, XXXX seems to be disregarding my legitimate requests. I am writing to urgently address the ongoing issue of fraudulent accounts persisting on my credit report, which is significantly undermining my creditworthiness. The fact that these fraudulent entries persist despite my repeated efforts to rectify the situation is both alarming and unacceptable. 

XXXX XXXX XXXX and XXXX XXXX XXXX. 
I require your immediate attention to this matter and request regular updates on the progress made in resolving this dispute. Your prompt adherence to legal obligations and ethical reporting standards is essential for restoring my creditworthiness.
Consumer complaint received 2024-01-03
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. (NV)

Experian, XXXX, XXXX need to remove late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reviewed a recent credit report and someone has been illegally using my information to try to gain credit as they have illegally obtained my personal information because Of this I have several un authorized inquires reporting to my Transunion credit report not done by me, these inquiries are putting me in a financial hardship as they are negatively affecting my credit report, The following are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
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)

N accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-07
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. (TX)

TRACKING # XXXX XXXX XXXX XXXX XXXX ATTN : TRANSUNION TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ : XXXX XXXX XXXX  XXXX ACCTS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX LATE PAYMENTS ACCTS : # XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTERANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 


SINCERELY, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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. (CO)

I contacted the credit bureaus and informed each company the account was closed with a XXXX balance. After the investigation, the credit bureaus reported the account is open with a balance. That information is incorrect.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX Account 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.