davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion reported XX/XX/19 XXXX XX/XX/19 Bankruptcy XXXX XXXX I disputed this inaccurate information and where or who provided this inaccurate information they did not respond.
Consumer complaint received 2024-04-18
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. (NC)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-22
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Dovenmuehle Mortgage, Inc. (CA)

I pay my Insurance and taxes separately, they placed an escrow account, raised my payment, and refuse to remove even thought I have nnumberioulsy submitted proof of payment. They are reporting me delinquent, killing my credit score and creditor 's have closed my large account and cut my Credit limits destroying my character.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX ....
Consumer complaint received 2024-04-18
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)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2024-04-18
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 recently reviewed a copy of my credit report and I noticed a fraudulent account on my credit reports. I do not recognize this account, nor did I authorize this account. Please remove this fraudulent account from my credit report, it is hurting my credit score and making it hard for me to obtain credit. 

The fraudulent account is XXXX XXXX XXXX  with the account number XXXX with the balance of {$73.00} reporting.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 XXXX vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (TX)

I am writing to dispute some hard inquiries that appear on my credit report, which are unauthorized and inaccurate. I have no recollection or knowledge of authorizing hard inquiries by these companies. Upon reviewing my credit report, I noticed these unauthorized 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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 have diligently followed all the necessary procedures in disputing these accounts. I've contacted the companies, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Experian for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report eventhough the companies already removed the accounts from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. Please DELETE the accounts : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (GA)

I am writing to express my deep frustration and dissatisfaction with the repeated failure to correct the late open accounts and remove the public record from my credit report. 

I have provided extensive documentation and evidence supporting the correction of the late open accounts and the removal of the public record, yet they continue to XXXX my credit history. This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. XXXX. XXXX XXXX XXXX Balance Owed : {$1000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX. Chapter XXXX Bankruptcy Reference # : XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows My correct name and address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never used any of them .

Address : Please be sure that my address is listed correctly.

My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX
Consumer complaint received 2024-04-18
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NY)

Radius global solutions has reported fraudulent information to my credit reports that was purchased without validation of debt. I received a call after listed closing time and when I called back there automated response did not identify them as debt collectors. I've disputed these accounts but never received verification information from them afterwards. XXXX XXXX and XXXX has worked with Radius global to pass fraudulent information back and forth as I worked to rectify these errors via websites/CFPB. 
The two XXXX XXXX and XXXX XXXX Collections accounts attached below via pdf show how many inconsistent times/dates these companies have generated false information. Radius Global Solutions is already in non compliance with the FDCA as far as I'm concerned.
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (DC)

This agency was contacted in regards to removing the inquiries from the collection agencies off of the account and as a result of pursuant of credit debt collection and obligation to rightfully submit debts and documents and not oppose the debt in a way from non fair communication efforts that would therefore lead an individual liable for the debt under pursuant of the debt collection agencies laws and regulations. As a result the company threatened to take legal action wrongfully under the pursuant of the law and throughly harassed me for reporting rhis information.
Consumer complaint received 2024-04-18
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 2024-04-17
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. (NY)

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 

XXXX XXXX. 

Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 


XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated.
Consumer complaint received 2024-04-18
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)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, ny XXXX {$3200.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2024-04-18
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. (MO)

I am writing to formally express my frustration and dissatisfaction with the ongoing attempts to remove the charge-off account from my credit report. This marks the several time I have raised this issue, yet it still persists, greatly impacting my financial standing and opportunities. 

Despite providing all necessary documentation and evidence to support the removal of this charge-off account, it continues to appear on my credit report. This recurring issue is not only concerning but also deeply frustrating, as it undermines my efforts to improve my creditworthiness and financial stability. 

It is imperative that this matter is addressed promptly and effectively. I expect a thorough investigation into why the charge-off account persists on my credit report despite multiple attempts to rectify the situation. Additionally, I request transparency regarding the steps being taken to resolve this issue and a timeline for its resolution. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00}.
Consumer complaint received 2024-04-18
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. (CA)

To whom it may concern, After recently obtaining my credit report, I have reason to believe that there are inaccuracies being furnished on my credit report. XXXX has found that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

According to 15 USC 1681e ( b ) Compliance procedures accuracy of report ; ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Reasonable procedures have not been followed by the credit reporting agencies ( Experian, XXXX, and XXXX ) and any third party affiliates ( XXXX XXXX XXXX XXXX ) because there are inaccurate late payments being furnished on my credit report. 
This is backed by 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusion. 
Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. If a payment or a late payment is a transaction, it has no business being furnished on my credit report because XXXX does NOT allow it, regardless of any company policy. A Transaction includes cash withdrawals or deposits, checks, online payments, debit card charges, wire transfers and loan payments .This will also include any transaction balances being furnished on my report. 

Also, under 15 USC 1666b- Timing of payments ; ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

To ensure that maximum accuracy is maintained on my consumer report, the reporting inaccuracies shall be removed from my consumer report immediately.
Consumer complaint received 2023-06-07
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. (NJ)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX -XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (FL)

LoanCare is the servicer on a loan. A month ago, I contacted LoanCare to complete the loss mitigation package. I submitted a package and was told that since the sale date was within 30 days, that the review may not be complete. I have a XXXX  XXXX bankruptcy and I file the appropriate motion to add the loan to the XXXXXXXX XXXX. This also included a request for mortgage modification mediation. The court ordered LoanCare to participate. The first step is for LoanCare to submit the Initial Lender package for me to complete through the XXXX portal. I have attempted to contact LoanCare on several occassions and to date I just get an automated email. I also attempted to call the phone number and only get an automated phone menu. I am unable to reach a live person. I have also reached out to their attorneys and yet to get a response.
Consumer complaint received 2024-04-16
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. (FL)

Delete hard inquiries 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 604 a section 602A 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 reporting containing any of the following items instructions any other adverse item of information other than record of convictions of crimes whish antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( a ) ( 5 ) 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. 

Deleted the account 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
Consumer complaint received 2024-04-15
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)

XXXX and XXXX XXXX as well as all three credit bureaus have my wrong birthdate, these two accounts don't belong to me never had either account. 

My birthday is XX/XX/XXXX as per proof of birthday, with me Drivers license and my birth certificate. Please get that stuff off my credit report it is of bad faith and bad will to my credit score and has hindered my prosperity in life Also the closed accounts should be taken off my account as well, they have no balance but, those two closed accounts were actually transferred to XXXX XXXX XXXX and should not be in my account at all, also have done mo inquiries in the past ten years, please stop, this atrosity
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (PA)

sent {$2500.00} with transfer fee {$25.00} on XX/XX/2024 at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX PA ) thru SIGUE and never received the money. Tried both calling and emailing the company multiple times with no response.