davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
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. (AZ)

I decided to check my credit report mid year of XXXX. I noticed an account from XXXX  that did not look familiar. I searched XXXX and found it to be a furniture store. My main furniture was purchased from an auction in XXXX  including my couches and dining room table. Anything else was purchased used. I tried calling my credit agencies asking about an address XXXX XXXX XXXX XXXX XXXX AZ XXXX as I have never lived here. Ive also never had any mail updated to this address and I do not know anyone that has ever been connected to this address. I was informed to call XXXX fraud dept through XXXX XXXX and received confirmation that my fraud packet was received on XX/XX/XXXX and to allow time for review. I provided ALL details including my police report and report # XXXX, Fraud victims with FTC # XXXX, and the Identity theft complaint and affidavit requested by XXXX signed and notarized, drivers license ect. I had not heard from XXXX  as advised so I reached out to them on XX/XX/XXXX and they responded on XX/XX/XXXX explaining that they have sent me a denial letter on XX/XX/XXXX which I have not received explaining that the account that was opening in XXXX matched my signature on the documents provided by me, phone, email, and address. This is false. My email XXXX was created in XXXX. Ive lived at XXXX XXXX XXXX XXXX XXXX in XXXX and still do now. My phone # has not changed but still would not be associated with this XXXX  account unless XXXX chose to update my information from XXXX to now based on the background check of my name and demographics. I have asked XXXX  to provide me with this so called proof that the information from this XXXX agreement matched the information from my back ground check and they informed me that they are only able to provide this information to the police. Before I submit a court complaint, I am requesting someone with minor education to review this account. I need to know all details associated including what was ordered with the {$5000.00} plus dollars used. Did someone pick up the merchandise? Was it delivered? Who signed for it? What was ordered?. If my dispute was declined I will need a lot more than what XXXX fraud department is choosing to provide to me.
Consumer complaint received 2024-08-06
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)

I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake
Consumer complaint received 2023-12-28
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I received a letter stating that I have a cashiers check from Wells Fargo that has not been cashed. They sent me a form to fill out yet that form needed a notary service. I attempted to call the phone number on the letter, and the representative told me that the branch of Wells Fargo have notary services. So I attempted to go into three branches. Each branch told me they did not have a notary service there that they would have to call one in. Would take a few weeks to get an appointment. I then complied with, their timeline at the branch at XXXX XXXX and XXXX. I made the appointment, and on the day of the appointment they canceled my appointment and told me I would have to make another one which was weeks away. I realized there was a timeframe on this letter that I had to comply with, and subsequently went to a XXXX store where I had to pay to have this check re-issued from Wells Fargo. I then asked Wells Fargo to include this fee in the cashiers check that they are sending me because of their actions at their own branches. I have yet to get a response for that request.
Consumer complaint received 2024-05-03
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. (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.

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 informationisinaccurate.
Consumer complaint received 2023-12-28
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 REPORING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. MY XXXX XXXX XXXX ACCOUNT IS REPORTING Multiple time please remove. 

FRAUDULENT ACCOUNT XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
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. (TX)

I consistently meet payment deadlines. I'm confident in this. What puzzles me is the company 's occasional late reporting, which shouldn't happen. According to USC 1666b, any billing errors should be rectified promptly, reflecting the agreed-upon payment status.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Please delete this item immediately. 

XXXX  XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 or 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 data is inaccurate.
Consumer complaint received 2023-12-28
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: Experian Information Solutions Inc. (FL)

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRA regulations. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Mortgage company has filed a trustee sale against my property while a lawsuit against them is filed. For the past 2 years I have tried to reach an agreement and resolve our differences with this company, and one option was to modify the loan, and for about a year their employees kept losing the paperwork that was being submitted to them, I kept re-sending them the same papers 2 or 3 times and still they would deny the modification stating that I did n't submit all the requested documents. I got fed up hired a law firm, they filed a lawsuit against them, because this company uses Robo-Signers, this means they used a random name as the person who signed the assignment of the deed, the signer does n't even work for the company, but on the document that person is appearing as the vice president of the bank. They use forged signatures to foreclose on homes. During the lawsuit process, the staff from the law firm were finally able to reach the bank, and receive a modification to which bank was not willing to disclose the terms. They stated that I must pass a trial period, which means I have to make 3 payments for the amount they stated, after that they will provide the terms of the modification. I did make those trial payments, and after they sent me terms that were completely unacceptable. I made several attempts to reach them, in order to discuss the terms, prior to signing or agreeing to anything, I was not able to reach anyone. I left 4 messages within 15 days, and did not receive any call backs. I did however receive 3 calls from the bank, when I picked up it was a machine stating that I need to call the bank regarding default payments. I would call them right back, and again be transferred to a machine where again I had to leave a message, and no calls were returned. I even sent email to have someone call me back, even my attorney tried to get hold of someone and failed. Now a court date has been scheduled for XXXX XXXX, and bank decided to set up a trustee sale 3 days prior to the court date, for XXXX XXXX, while a lawsuit is still pending. I need to stop the trustee sale until the lawsuit is over. Bank is trying to foreclose on my house without any proper documentation, actually even worse, with forged documentation. I need this to be stopped.
Consumer complaint received 2024-06-25
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. (PA)

On XX/XX/2024 I sent in my letters to XXXX, TransUnion, and XXXX asking them to remove the unauthorized inquiries and the 2 accounts that didn't belong to me. They responded with letters saying the accounts were verified. I sent them letters XX/XX/2024 and have not heard anything back. I was advised by TransUnion when I called in to file a FTC report as well as a police report. I did file a police report. Attached are the letters about the inquiries and I will include the 2 accounts in this paragraph. XXXX XXXX XXXX XXXX account number XXXX was unauthorized as well as XXXX account number XXXX only TransUnion are reporting that account.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-09-26
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. (FL)

I checked my credit report and found that some of the data were incorrect. 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 correction due to inaccurate reporting in my file. 
Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy 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/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-28
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. (MD)

I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have been disputing these accounts for the last year. The accounts are errors. 

XXXX XXXX XXXX opened XX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2023-12-28
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. (PA)

My name is XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-12-28
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)

XXXX XXXX XXXX XXXX XXXX XXXX, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-affiliated third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian is in default of FCRA reporting inaccurate information on credit report that was not authorized by the person who the report pertains to. I am a Federally protected consumer who disputed inaccurate info that has been removed. At this point Experian is liable for injuries that I have suffered due to their negligence. Company can refer to report number XXXX ( XX/XX/2023 ) that shows updates from the initial report number XXXX filled XX/XX/2023.
Consumer complaint received 2023-12-28
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. (VA)

In XXXX of 2023, I submitted a police report and an identity theft victim 's complaint affidavit to all three credit report agencies. XXXX XXXX removed most of the accounts, but Experian and XXXX have not complied. I have included XXXX XXXX 's Removal letter. In order for all 3 credit report agencies to be accurate and complete, they must match. XXXX XXXX has removed these accounts INCLUDED IN THE ATTACHED XXXX XXXX REPORT, and XXXX and Experian must follow suit to comply with the Fair Credit Report Act. ALL CHARGE OFFS AND DEROGATORY ACCOUNTS ASSOCIATED WITH IDENTITY THEFT MUST BE REMOVED.