davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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. (IN)

In accordance with the Fair Credit Reporting act. Convergent accounts Experian, XXXX and 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 168c. ( a ) ( 5 ) Section States : No consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 2 A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I am a victim of XXXX XXXX  accounts below do not belong to me. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-24
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)

XXXX is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX  XXXX XXXX XXXX on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX/ XXXX then it is impossible XXXX 90 days or XXXX 120 XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX/ XXXX then it is impossible XXXX 90 days or XXXX 120 Transunion is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX Transunion inaccurately reporting ( 6 ) accounts from XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX/ XXXX then it is impossible XXXX 90 days or XXXX 120 120
Consumer complaint received 2023-08-21
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I began to experience issues with my Bank of America Debit card not working ( XXXX XXXX ) when attempting to make purchases. I attempted to login online and was unsuccessful so I called into Bank of America. They then reported my bank account was closed due to depositing a third party check. 

I have a joint account with my wife and I barely use it. I never deposit checks or cash checks but somehow Bank of America is claiming I deposited a check that was not made out to me. For one how is this possible? Two they know the exact date and time the check was deposited and have video cameras at all of their ATM locations. If I had deposited the check they would be able to produce video evidence. The truth is I did not deposit a 3rd party check and now It's showing on my checking consumer report. 

This false reporting is preventing me from opening an account anywhere else.
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. (TX)

Please remove the collection account XXXX from my credit report. The collection agency XXXX XXXX provided a letter stating that they have ceased the collection of this account and zeroed the balance. Experian, XXXX, nor XXXX has been able to validate this account to date. The collection agency sent correspondence for the removal of this account in XXXX, and it is still reporting on my credit. Please see the enclosed letter and remove the aforementioned account from my credit report.
Consumer complaint received 2024-04-17
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. (NC)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (PR)

i am in the process of refinancing a mortgage and the bank claims they are unable to get the Experian credit report. i can not get it either ( thru the web site XXXX. no one can answer me what is the problem. even the free XXXX is not available. customer service is a nightmare.
Consumer complaint received 2023-08-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (RI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-17
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-17
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2019-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NM)

On XX/XX/19 I had applied for a loan online, at XXXX XXXX, I received a text message from Ace Cash Express with a Loan Approval Code : XXXX and to call them to complete the loan process. I called them and they offered a loan of {$3000.00} with payments of {$94.00} a month for 36 months. They verified my personal information as well as my banking information. They also said they would email the loan documents so I could electronically sign them. On XX/XX/19 at XXXX, I received a text from them again saying I had to provide my online banking login information, my username and password to verify they were depositing the funds in the right account. I replied that information is private and I don't give out that information. They then said they were part of the XXXX, and they 4.5 star rating, and if I didn't provide the username and password I couldn't get the loan.
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I contacted XXXX XXXX  multiple times regarding incorrect information on my consumer report and they are refusing to update the information to accurate. I have attached an explanation of what has happened along with their responses to me. XXXX XXXX  has admitted that they are reporting accurate information when I have proven that they are not. I demand the CRA 's delete this information immediately and for XXXX XXXX  to stop reporting this account to the CRA 's this is the account ending in XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2018-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (CA)

They just want money, money, money ... they do not care if you are struggling with payments. They do not care. They are arrogant and disrespectful people. All my attempts to contact them and asking them to set up a payment plan ended up asking for more money from me. I am not sure if they are XXXX  or not but I am getting angry for not being heard. I will dispute any negative information on my credit reports as i was not aware that they report to them.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (OK)

I could not make my XX/XX/XXXX payment, as I was in XXXX  school. When I called at the end of XXXX to pay in full the customer service representative told me to do this deferment and they would put the 1 payment at the end of my loan if I made 4 consecutive payments. They said I needed to make 4 monthly payments. It did NOT say calendar month payments. I made my XXXX payment XX/XX/XXXX. I made my XXXX payment XX/XX/XXXX to ensure the XXXX Payment was not late. Apparently that messed everything up. I have spent HOURS on the phone ( because you can not get a hold of anyone in charge of anything with this company ) to fix this error. It was fixed. I made the rest of the contractual payments. Once my XXXX payment was made, it said ( per their app ) that I was current and everything was fine for 3 days. Then all of a sudden their system messed it up. It now says I never paid XXXX. ALSO, they have reported that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX on my credit report which has had a serious effect on my credit score. I would not have done the deferment ( and would have been fine ) if the original customer service rep did not push me to do so. I will say XXXX XXXX has done his best to help me, but his hands are tied and the people above him are not fixing this. This is ridiculous that I have been dealing with this for 4 months! My hands are tied. Mortgages get transferred without the owners permission all the time. This is a horrible company and seeing how they have 87 % negative feedback, they should not be allowed to buy someones mortgage.
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (NV)

improper use of my credit report ..Inquieres that dosent belong to me ..Please remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC (NJ)

I received a letter in the mail from XXXX XXXX XXXX XXXX around early XX/XX/XXXX stating that I owed debts to XXXX  and XXXX XXXX XXXX XXXX. I had visited this practice in early XXXX. However, shortly after the visits to this practice, I paid any money owed to them using my insurance provider and private payments via XXXX on XX/XX/XXXX. I have receipts for all transactions, and XXXX confirms these payments went through. 

I requested a verification of said debts. I also called and emailed the practice to determine how this could have possibly happened. The practice is now closed and my email and phone calls went unreturned. XXXX XXXX XXXX XXXX has simply mailed me a printed copy of the bill that I have already paid, and indicated that they will continue to pursue the debt. I am beginning medical leave from work right now. I do not appreciate the stress at all.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

IN XXXX I REFINANCED MY HOME WITH XXXX XXXX XXXXXXXX UNDER THE HAMP GOVERNMENT INSURED PROGRAM. AT SOME POINT I WAS INCLUDED IN THE PAY-FOR-PERFORMANCE PROGRAM IN CONJUNCTION WITH THE HAMP WHEREBY IF A BORROWER PAYS THEIR MORTGAGE TIMELY EACH MONTH IN ANY GIVEN YEAR, YOU WERE AWARDED XXXX OF TAX FREE MONEY CREDITED TOWARDS YOUR MORTGAGE BALANCE FOR UP TO 5 YEARS. 

XXXX XXXX XXXXXXXX CREDITED MY BALANCE FOR THE FIRST TWO YEARS OF PAY FOR PERFORMANCE INCENTIVE PROGRAM. THEN XXXX BEGAN SERVICING THE LOAN AND CREDITED MY ACCOUNT FOR AN ADDITIONAL 2 YEARS. THE LOAN WAS THEN TRANSFERRED TO NATIONSTAR NOW D/B/A/ MR. COOPER . MY FINAL XXXX INSTALLMENT WAS DUE IN XX/XX/XXXX. FOR THE LAST 10 MONTHS, I HAVE BEEN CALLING NATIONSTAR/MR COOPER FOR THE FINAL INSTALLMENT ON A WEEKLY OR MONTHLY BASIS. NATIONSTAR HAS MADE MANY EXCUSES FOR NOT PAYING THEIR OBLIGATION CLAIMING LACK OF DOCUMENTATION. THIS IS BELIED BY DOCUMENTS I MYSELF AND XXXX REPEATEDLY SENT THEM ON MY BEHALF. XXXX   TOLD ME IT IS THEIR STANDARD COURSE OF BUSINESS AND LEGAL REQUIREMENT TO ROUTINELY TRANSFER ALL LOAN DOCUMENTATION TO SUCCESSOR LOAN SERVICERS, INCLUDING ALL ORIGINAL DOCUMENTS FROM XXXX XXXXXXXX XXXX. 

FINALLY, NATIONSTAR ADMITTED IN ITS XX/XX/XXXX LETTER THAT THE XXXX CREDIT WAS DUE PROMISING POSTING TO MY ACCOUNT BY XX/XX/XXXX. THERE HAS STILL BEEN NO PAYMENT AS OF THIS DATE XX/XX/XXXX. WHEN I CALLED THEM, THERE WAS NO EXPLANATION FOR THE ADDITIONAL FAILURE AND REFUSAL TO PAY. 

NATIONSTAR HAS JERKED ME AROUND FOR 10 MONTHS OVER THIS CONTRACTUAL GOVERNMENT-SANCTIONED OBLIGATION ON THEIR PART WASTING HOURS OF MY TIME.
Consumer complaint received 2024-04-17
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)

UPON REVIEWING MY CONSUMER REPORT, I HAVE SEEN INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING THOUGH IT WAS ALREADY DISPUTED SEVERAL TIMES. I HAVE SENT DISPUTE LETTERS LAST XX/XX/24. I AM SO FRUSTRATED BECAUSE UNTILL NOW, NO ACTION ARE BEING TAKEN BY XXXX, EXPERIAN AND XXXX. 

XXXX : This account is not mine. 
XXXX XXXX - XXXX Experian This personal information is incorrectly reporting : Incorrect Name - XXXX XXXX XXXX This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect XXXX - XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts ares not mine. 
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  This personal information is incorrectly reporting : Incorrect Name XXXX XXXX XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine. 
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 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter on XX/XX/2022 to XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
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 consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from 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 did they talk to? 
How did they complete this investigation?