davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (MD)

I am writing to express my serious concern about the disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies, no resolution or corrective action has been taken. These errors are causing significant damage to my credit file and are severely impacting my ability to live a normal life. 

The consequences of these inaccuracies have put me in a difficult situation, and I urgently need your help to resolve this issue. I respectfully request a thorough investigation into the reporting of each disputed account. It is essential that the necessary steps be taken to promptly update and correct my credit report. 

With your assistance, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control of my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.
Consumer complaint received 2024-05-10
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: Experian Information Solutions Inc. (TX)

I did not authorize nor applied credit for : XXXXXX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  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, Experian, and XXXX.
Consumer complaint received 2024-05-10
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. (OH)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2016-04-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage is predatory in nature. Since XXXX XXXX XXXX sold my loan to them, they were constantly calling me or sending me emails for their products, even after I told them not to. Thankfully I was able to get this stopped over time, but recently I called to see how much I needed to pay off my PMI. Nothing was said about a long wait time to get it applied to my account. When I paid the amount needed to get PMI off, I have now been getting the run-around. I contacted them to get it taken off and was told it would take XXXX10 business days to research it and then take another amount of time to research it again before it is taken off. Then, the lady I spoke to said there were other people ahead of me, so they would n't be able to start to look into the matter until XXXX XXXX. It 's XXXX XXXX right now and I had already called about this on XXXX, with no answers. On XXXX, I was told I would receive a call on XXXX about this, but received no call. Now because this is being drawn out so long, I will have to make atleast XXXX other PMI payment. Why does this process take so long and why am I being given the run-around on this?
Consumer complaint received 2024-05-10
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)

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I demand immediate action from the TransUnion Credit Bureau to dispute certain accounts in my file resulting from identity theft. This is not the first time I have contacted you about this issue, and it is unacceptable that my information has been exposed in the XXXX data breach, yet appropriate measures have not been taken to protect it. The account you are reporting has already been deleted by other credit bureaus, and under the Fair Credit Reporting Act ( FCRA ), credit reporting must be 100 % accurate. It is imperative that you take immediate action to rectify this error by removing the said account/information from my credit report as soon as possible. Any inaccurate or misleading information can severely impact my creditworthiness, which can have significant long-term consequences. I expect you to act with the utmost urgency and professionalism to ensure that this situation is resolved promptly, as any further delays or inaction will not be tolerated. I need the account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}, deleted from my Credit File as soon as possible.
Consumer complaint received 2024-05-10
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. (TX)

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 XXXX, 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 2024-05-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AR)

My identity was stolen to set up a fraudulent account with XXXX using my social security number. 

I was informed on XX/XX/XXXX that an account in my name was in collections wit XXXX XXXX XXXX based in XXXX XXXX. They said I had a XXXX account ( account XXXX ) that had a balance of XXXX. This account has my name misspelled as " XXXX XXXX ''. The correct spelling of my last name is " XXXX ''. 

I know this is fraud for the following reasons. 

XXXX, when my identity was stolen on XX/XX/XXXX, the criminals tried to open a utility account and they used the EXACT SAME MISPELLING of my name that is in the Credence Resource XXXX report. Therefore I am certain that these are criminals who misspelled my name on XX/XX/XXXX when trying to set up a fraudulent account. ( This information is in the Clarity report I received in XX/XX/XXXX ). Both reports misspell my name in the exact same way ( " XXXX '' ). 

XXXX I have never any business with XXXX. I only have ever had XXXX cell phone account in my name and that is with XXXX.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I opened a credit card with First National Bank of Omaha, which is exclusively affiliated with XXXX to offer XXXX reward travel. This Credit card charges {$99.00} annual membership fee. During the year XXXX - XXXX, on several prolonged occasions, XXXX has stopped providing services between XXXX XXXX where I reside and the rest of the country. As a result of no service for many months I have been unable to utilize my rewards to book tickets for XXXX services as I had previously planned and for the days I had planned for. I requested First National Bank of Omaha, on several occasions, to refund the membership fee and to close my credit account as I am unable to utilize award program as advertised. First National Bank of Omaha has refused to refund the membership fee but closed the account.
Consumer complaint received 2024-05-10
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. (NV)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-05-10
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. (TN)

I'm a Vitim of identity theft. Here is a copy report of my police report that I have sent to all three credit bureaus including my identification. None of these accounts are belong to me including those student loans. I need every account deleted or removed.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (AR)

I sent letters on XX/XX/2022 to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 

How did they complete this investigation?
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 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 2024-05-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (AZ)

I placed a loan request, which and provided my income but was unable to provide all of my income. I did include all of my pay stubs, but that was not reviewed and I was denied because they stated they could not verify my income all though they did access all of my bank accounts. My loan documents were never reviewed by a person instead XXXX  and which is not disclosed to applicants.
Consumer complaint received 2024-05-10
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 am writing to dispute the late payments listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 

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. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts.
Consumer complaint received 2024-05-10
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-10
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. (FL)

FCRA 605B, I believe, requires us to remove any inaccurate accounts from my credit report. Could you please verify the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates.
Consumer complaint received 2024-05-10
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)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-05-10
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)

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 three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-09
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I received a voice mail on XX/XX/XXXX @ XXXX XXXX  from caller ID # XXXX directing me to contact them ( the Issuing Office ) TODAY regarding a civil complaint at phone # XXXX. I contacted them at XXXX XXXX  and a young man with a slight accent answered. I could not understand the name of the company because he spoke so fast. He explained that they were a company hired by other companies for civil matters like child support, liens, mortgages, etc. and seemed very concerned that I understand that it was " nothing criminal '' that they were pursuing me for. I was given a reference # XXXX in the initial voice mail. He asked for that. He pulled up the file associated with the ref number and had my current name, address, DOB AND SS #, which I was asked to verify. He then told me that I had a Bank of America credit card with {$5000.00} ( I don't remember the exact figure, but it was a bit over {$5000.00} ) still owing on it and that the bank had turned it over to him for collection or prosecution. He said I ignored their letters ( I never got any letters ). I advised him that I have do not bank at Bank of America and can not recall when I ever had, and that I HAVE NEVER HAD A CREDIT CARD IN MY NAME IN MY LIFE! He stated that the card was " opened '' in XXXX and that it was open for either 16 months or 60 months ( hard to understand ) and that payments had been made but suddenly stopped. I again told him I never had a credit card of any kind, and that there wasn't a Bank of America near me. He proceeded to tell me of all the things they could do to recover the credit card balance, including liens, legal action, seizing property, etc. I told him again I never had a credit card ever and that we could go to court over it. He stated that, yes, we could do that but that with the overwhelming abundance of evidence they had against me I'd lose and that the judgement would be in the area of {$10000.00}. I kept repeating, " Let 's go to court ''. He stated that he'd get the process started. I asked, " When will I be served? '' and kept repeating " when will I be served '' while he tried to tell me about the consequences of going to court. He finally gave up, hung up, and went away.