davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to remove the accounts. Other credit bureaus have already removed the accounts after the company recognized the inaccuracy of the accounts. I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATION/XXXX XXXX , DEPT OF EDUCATIONXXXX XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I am not liable for this debt ( not mine do to data breach of Equifax # XXXX ) with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX. they have not provided me with the original signed contract or photo ID as requested from me by certified mail and email. I hereby dispute the validity of the alleged debt listed entirely, I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies. XXXX, Equifax, XXXX and XXXX. Equifax has done noting to clear and delete this collection that dose not belong to me do to Equifax data breach, I have sent letters certified mail to Equifax and XXXX XXXX XXXX XXXX. indicating and verifying that the debt dose not belong to me and they ignore the facts of documentation that I was a victim of fraud do to data breach of Equifax.
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: Experian Information Solutions Inc. (PA)

I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report despite numerous follow-up attempts to have them removed. 

Despite submitting disputes and providing supporting documentation on numerous occasions, these fraudulent accounts persist, and my previous follow-up attempts have not resulted in their removal. 

I demand that your agency conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. 

Failure to address this complaint satisfactorily and in a timely manner will leave me with no choice but to escalate this issue further, including seeking legal recourse to uphold my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$0.00}. 
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Consumer complaint received 2023-09-19
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GB Collects, LLC (CA)

XXXX XXXX XXXX Keeps calling my personal cell phone after I repeatedly tell him ( XXXX ) XXXX my number is on the Federal Do Not Call List, Stop Calling I requested my number be placed on the companies do not call list and the company keeps contacting me. I called the company and the secretary answering the phone will not verify I am on the companies do not call list, she transferred the call to collections. I am being harassed by GB Collects in violation of FTC do not call registry rules and regulations.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

its over 2 weeks i deposit check to my Chase business checking account, check over {$23000.00} the put hold on the money, the did call the insure the check on 3 way call verified the check was clear end still the money end freezer my account, i went to bank many times try to resolve, i call XXXX -i call XXXX is well for over 2 hours on line, the still not resolve. not just to mention i have auto loan with chase, all my bills is get reject buy Chase bank, im about to lose my home because my rent is late
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2024, I requested a copy of All original contract agreements, the option for dispute notifications and the notification dates associated be sent to me from representatives of each credit bureau. The Experian rep I was able to speak to said she didn't have the information I was looking for and couldn't help me furnish it. XXXX hung up on me three times, ( please check the call logs ) and XXXX said to reach out to the original creditors, as this would be their responsibility to provide. I truly feel like my consumer rights have been violated and that I am being unfairly taken advantage of. This goes against everything I read in the FDCPA 's Section ( s ) 8 & 9 from as far as I can tell. Please help! 

Thank you
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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 am writing to dispute the validity of two accounts listed on my credit report that I believe to be errors due to unverifiable information and potential identity theft. These accounts are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not correspond to any addresses associated with my personal profile, nor do they reflect any transactional activity that I can verify as my own. 

According to the FCRA Section 1681i, any information that can not be verified or is incomplete must be removed from a consumers credit report. The inclusion of these accounts without any associated addresses strongly suggests that the account details are unverifiable. Furthermore, the presence of these accounts might indicate potential identity theft, as I have no knowledge of these accounts being opened under my name, and they do not relate to any of my known financial activities. Under the FCRA, I am entitled to dispute fraudulent entries to protect my credit rating from unwarranted damages. 

Attached to this letter are snapshots of my credit report showing these specific accounts having no association to any address on my credit report. I hereby request the removal of these accounts from my credit report.
Consumer complaint received 2024-04-23
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. (PA)

I am writing to file a formal complaint regarding the unresolved correction of late open accounts on my credit report despite numerous follow-up attempts. 

Despite multiple submissions of disputes and diligent follow-up efforts, the correction of these late open accounts has not been addressed satisfactorily. 

As a consumer, I am deeply concerned about the accuracy and fairness of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. 

I demand that your agency conducts a thorough review of my disputes and expedites the correction of the late open accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$140000.00} XXXX XXXX XXXX Balance : {$190000.00}.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-23
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. (NJ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-09-30
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. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
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: Experian Information Solutions Inc. (NY)

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and has removed it from their records following the submission of the required FTC report. Despite this, the account remains on my credit report with your bureau.The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future Please DELETE this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (AZ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-23
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. ()

When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm this accountunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountas unconfirmed information without providing evidence within the legally required amount of time. The incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX : {$2000.00}
Consumer complaint received 2024-04-23
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. (CA)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX : {$16000.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$4300.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
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: Experian Information Solutions Inc. (CA)

I am writing to dispute the validity of two accounts listed on my credit report that I believe to be errors due to unverifiable information and potential identity theft. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not correspond to any addresses associated with my personal profile, nor do they reflect any transactional activity that I can verify as my own. According to the FCRA Section 1681i, any information that can not be verified or is incomplete must be removed from a consumers credit report. The inclusion of these accounts without any associated addresses strongly suggests that the account details are unverifiable. 

Furthermore, the presence of these accounts might indicate potential identity theft, as I have no knowledge of these accounts being opened under my name, and they do not relate to any of my known financial activities. Under the FCRA, I am entitled to dispute fraudulent entries to protect my credit rating from unwarranted damages. 

Attached to this letter are snapshots of my credit report showing these specific accounts having no association to any address on my credit report. I hereby request the removal of these accounts from my credit report.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (GA)

I have repeated request and reported this information to be inaccurate, it's simply them taking there word over mine. No one will send the request information I tried directly from NCS then the credit bureaus themselves! XXXX XXXX  LIED! I have reported the litigation between that company and myself submitted PROOF, AND not mention it's Public Record. The judgement reads {$0.00} ... ..although I was long gone before that took place, if I owed you, why I received Nothing! If i owed you why not ask for that respective amount in court!! These businesses are out here ruining and sabotaging people as retaliation! There roof fell on my head, the insurance company and there investigators admitted fault. A is public record and NCS AND THE CREDIT BUREAUS CONTINUE TO INGORE MY PLEAS AND REQUEST TO MAKE THIS RIGHT
Consumer complaint received 2024-09-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (SC)

To Whom It May Concern, I'm writing to address an error in the calculation of my property taxes, which has significantly impacted my mortgage payments. On XX/XX/XXXX, my mortgage payment was raised from {$1600.00} to {$3200.00} because the company miscalculated my property taxes, stating they increased from {$2000.00} to {$8000.00}.

I informed the company that I couldn't afford this new payment, and they suggested an escrow spread, which adjusted my mortgage down to {$2400.00}. Concerned about the drastic increase, I questioned the source of their tax information. They claimed it came from my state.

I reached out to my state and obtained a tax form showing my property taxes were actually {$2200.00} for the year. I provided this form to the mortgage company, and they agreed to run another escrow analysis and backdate the payments to correct their mistake.

However, I am now being told I must pay the {$2400.00} for the past months and they can not backdate it, but moving forward my payments will go down to {$1800.00}. This charge is unfair, as it stems from a mistake made by the mortgage company, not by me. Additionally, I have not received an explanation for how the {$8000.00} property tax figure was determined.
Consumer complaint received 2024-01-25
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: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (MI)

I am applying for a job and the job requires to do a background check on credit report. I had XXXX work done. And it is a violation to have medical debt on a credit report. They shared my personal non public information. Synchrony Bank and Care Credit has published my debt to my credit. The fair credit report act says that I have to give permission to put on credit report and I never authorized this permission.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There are several inaccuracies in my consumer report that I would like to remove. There is an alias on my consumer report that I would like removed. XXXX and Experian continues to report inaccurate names. I disputed this on XX/XX/2024 for the second time. 

In addition, XXXX continues to report an inaccurate address and name on my consumer report after I have disputed the information. All XXXX companies are reporting inaccurate information and violating my rights to privacy as well as furnishing my nonpublic information without my consent.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

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 2024-05-16
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. (MI)

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 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.