davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

MOHELA/DEPT OF ED {$2200.00} and {$3500.00} Account number XXXX Address XXXX XXXX XXXX, MO XXXX phone number ( XXXX ) XXXX Date opened Date opened XX/XX/year> I demanded them to take off and remove any information that the creditor can not verify. I understand 15 u.s.c sec. 1681i ( a ) an law 15 usc 6801 protection of info law 15usc 1681a remove inquiries law usc 1692cc remove collections and law 15 usc 1615 and consumer credit transaction as soon as the consumer prepays in full anything over {$1.00} suppose receive all credits back which they never did and I want this off my credit as soon as possible.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding a collection accountS labeled XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX AND XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-06-04
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. (VA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 602 A. state 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 permission.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make consumer report obtaining any of the following items of information. Any adverse item information, other than records of conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

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. These are the following accounts need to be removed :
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The company XXXXXXXX XXXX XXXXXXXX agreed to stop reporting an account on my report and TransUnion hasnt removed the item. They proceeded to list it as closed. I am now filling out the lawsuit forms and will proceed to filing. XXXX deleted the account but TransUnion is trying their best not to.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am filing a formal complaint regarding inaccuracies on my credit report and the lack of response to my disputes. The information on my credit report is not 100 % accurate, as mandated by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to correct these inaccuracies, my concerns have been ignored by the credit reporting agency and the creditor involved.
Consumer complaint received 2024-06-04
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. (MI)

As I'm paying off my auto loan, I noticed many late payments that are reporting. I do not believe all of these late payments are accurate. It is very important for me to have a correct and accurate report, as it is also the law. My XXXX XXXX account is inaccurately showing late payments. Please investigate and provide proof with statements showing late payments. If these late payments can not be verified, please remove and update to positive status.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-07-30
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 have contacted transunion twice with 2 different dispute letters regarding a couple inquiries on my report & nobody has yet to response to me, sent dispute in a month ago & also sent my second dispute in 2 weeks ago still no answer the inquiries I need to be disputed will be listed below 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 2024-05-16
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. (TX)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-06-04
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)

On XX/XX/year>, I filed a complaint with the CFPB against XXXX XXXX XXXX, XXXX in regards to misuse of my credit report ( Complaint ID : XXXX - XXXX ). On XX/XX/year>, I received a letter from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/year> stating " we were unable to locate a credit file in our database with the identification information you provided '' On XX/XX/year> I called the CFPB and spoke with an agent who advised and confirmed that all identification information provided in the complaint is sent over to the recipient of the complaint. This identification information in the complaint includes my Full Name, Date of Birth, Social Security Number and my most recent and current address. XXXX 's reporting of negative information has caused immense mental and emotional distress as well as being denied credit, which has negatively and greatly impacted my life due to negative items such as late payments, collections etc, being reported by XXXX.
Consumer complaint received 2024-05-16
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA (NC)

Account Name FNB Omaha Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$430.00} I do not owe FNB Omaha- ( account # XXXX ) {$430.00}. I never heard of FNB Omaha. I never did a contract with them. 

Futhermore, I am in the state of NC and they can not legally collect in my state for a date that I did not owe for this company. NC is three years of statuatory limitation. Their also reporting inaccurate My understanding is that the Metro 2 Format is the industry standard for reporting, complete, and timely information and that The data should be reported to the specified definitions in order to process credit information correctly. I am also in the state of North Carolina which the statue of limitations is 3 years. I do not owe FNB Omaha- ( account # XXXX ) {$430.00}
Consumer complaint received 2024-06-04
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


10. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


11. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-05-16
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: Experian Information Solutions Inc. (NY)

My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2019-09-21
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, AND BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDI AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-05-31
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. (VA)

I recently started to check my Credit Report around XX/XX/23 for the first time and I seen so much false information on it. There were false names, phone numbers, address and even a negative debt for {$3600.00}. My friend told me to download Experian and XXXX app to dispute it. He wrote the dispute, and a few things came off but not everything. 

Then when I did more research, I learned that you should call the companies to explain the Identity Theft instead of disputing online. So, I called XXXX and they said they will get back to me. I called a weeks later and was just put on hold and then the call just hung up. 

Now I'm taking the proper steps to fix everything. This negative false information is affecting my family and me. The bank seen so many different names for me and like 20 addresses. It even shows that I have an address in XXXX  and I never even been to XXXX.

My credit is not the best and thats why Im trying fix it. I do have a few other negative debts and I take full responsibility for them but the one debt for {$3600.00} is not mines. 

I lost my wallet few years ago and had to get a new ID and many years ago I lost my passport and had to report it and get a new XXXX too. I don't know if that has anything to do with this.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Click n' Close, Inc. (MI)

Dealing with Mid America Mortgage/Click N Close has been completely insufferable. Mid America Mortgage/Click N Close has reported my mortgage to be 120 plus days delinquent and yet they sent me a notice stating that my mortgage is up to date until XX/XX/XXXX. I contacted Mid America Mortgage/Click N Close to have them reverse that reporting and they basically told me that I have to prove that they even reported it. On top of that, I have sent them a check for almost {$39000.00} from an insurance claim which they were supposed to cash and then send me the money to pay the contractor for the repairs. Mid America Mortgage/Click N Close lost the check for over 2 weeks and I have proof of it being sent overnight with a tracking number. Mid America Mortgage/Click N Close lied and stated they submitted a " work order '' to find the check on 2 separate occasions, however, when I called to check on this the record did not reflect that request. When Mid America Mortgage/Click N Close found that check, we had already put a stop payment on that check and sent a second check which they then received also and they tried to cash both of them. Obviously only one check went through. They put a stop payment on the one fractional draw check they sent me so I am unable to utilize those funds even if I did receive that check, which I have not. Mid America Mortgage/Click N Close then said they were only going to give me a partial draw for a fraction of the original check amount. I never received that partial draw and it has been over a week. My mortgage is reported as delinquent and they have lost the money from my insurance company and my contractor has yet to be paid because of Mid America Mortgage/Click N Close 's negligence. No one knows anything and have all provided incorrect contact information such as email addresses and physical addresses. They have also provided me with false information regarding policy and procedure. No one should trust this company with a single dollar as it will be misused, misplaced, and stolen. Mid America Mortgage/Click N Close has caused me extreme distress, migraines, XXXX  and XXXX XXXX due to this entire situation.
Consumer complaint received 2024-06-04
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)

PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.