davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to address an issue concerning late payments on my credit record. Upon reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in promptly and effectively resolving this matter.
Consumer complaint received 2018-05-06
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. I filed a police report with the XXXX County Sheriffs Office. The police report case number is : XXXX, the following account, collection account and credit inquiries are fraudulent, unauthorized, arent mine and dont belong to me : XXXX XXXX XXXX Unsecured Personal Loan, XX/XX/XXXX, XXXX XXXX, XXXX, {$960.00}, XX/XX/XXXX, XXXX XXXX/XXXX, XXXX XXXX   XXXX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats, threats of arrest and being sent to jail and prison, and threats of legal action taken against me for wage garnishment and losing my job from XXXX XXXX, XXXX representatives for a debt thats fraudulent and dont belong to me. XXXX XXXX, XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (MS)

Navy Federal Credit Union closed my account alleging that a debt that was sold to a third party and that I now owe a balance on my bank account. I reached out to get information on this alleged debt, but they stated it could not be provided. I did notify navy federal that I will fully consider such letter if they are able to provide evidence that I am financially obligated regarding this alleged debt. They were never able to provide this evidence to me and in the past deleted another omission from my consumer report due to them doing securities fraud. I have reason to believe navy federal credit union agents discriminatorily did this to cause me financial hardship and restrict access to my accounts.
Consumer complaint received 2023-09-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. BANK OF AMERICA XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-04-30
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. (IL)

For the past XXXX months I have been submitting disputes online to the credit bureaus, ( all three, Experian, XXXX and XXXX ) to remove an account from my credit profile that is NOT MINE. I HAVE NO IDEA what this account is, where it came from, whose it is, or why it is on my credit profile. This revolving credit card does not belong to me and is negatively affecting my credit profile. I demand, after XXXX months of disputing with them, that this be removed IMMEDIATELY.
Consumer complaint received 2024-04-30
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. (IL)

In accordance with the fair credit reporting act, these accounts has violated my rights. XXXX XXXX  acct num ; XXXX. 
State of Mi office XXXX acct num ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602-A states i have a RIGHT to PRIVACY.

15 usc 1681 section 604-A section 2 states a consumer reporting agency can not furnish an account without my written instructions furthermore 15 usc 6802 expresses my RIGHT to Opt out of reporting.
Consumer complaint received 2024-04-30
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. (LA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX Re : Social Security Number XXXX XX/XX/year> To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the
date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all FRAUDULENT IMMEDIATELY! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX  ACCOUNTS listed in my FTC report
Consumer complaint received 2024-04-30
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)

Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

These Fraudulent inquiries on my credit report are not mine and must be removed and blocked : 1 ) Experian Inquiry - XXXX XXXX XXXX XXXX XXXX ) Experian Inquiry XXXX XXXX XXXX XXXX ) Experian Inquiry - XXXX credit XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 


I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ XXXX  ]
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-09
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. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent letters to XXXX, transunion, and XXXX. The credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions : rules The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 information. However, such information shall not include specific factual information on a consumer 's 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?
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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 2024-05-03
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. (IL)

I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, EQUIFAX MORTGAGE SERVICES XXXX, AND XXXX XXXX
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 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
Consumer complaint received 2024-04-30
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)

There was an affidavit sent to Experian regarding account XXXX XXXXXXXX on my credit report. I informed the CRA 's of the illegal reporting due to permissible purposes and exclusion laws in a dispute letter and CFPB complaint XXXX. I submitted a FTC report which is attached to this complaint. The account has different information being furnished to each credit reporting agency which is also illegal and a violation of the FCRA. XXXX has since deleted this account from my credit file. Experian also failed to notate that the account was in dispute which is another violation. Please note that I am the only natural person writing this statement with the help of no third party. See the attached FTC report and reference CFPB id XXXX to see affidavit and credit report.
Consumer complaint received 2024-05-06
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. (NY)

In accordance with the Fair Credit Reporting 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 an account without my written instructions.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

MCM aka MIDLAND CREDIT MANAGEMENT LLC, sent me letters in mail, and I don't know who they are I never had a contract under that name, so I sent a letter certified mail, with a green return slip notorized to verify debt, with definition of what verified mean under Black Law Dictionary ( 6th edition ) if they sign a notorized Affidavit, and send me the 5 requirements under 15 USC 1692g ( 4 ), I would pay if I owe the alleged debt, they only sent statements which is in the positive not the negative, I did a Cease and Desist until they did a verification and validation of alleged debt, they kept violating the order that congresss layed out for Consumers, they also threatened me with sueing me, litigation and reporting to my credit which they already did, without my written instruction, under fair credit reporting act 15 USC 1681 B ( 2 ) I have all documentation of correspondence between us.
Consumer complaint received 2024-04-30
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. (NY)

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-04-30
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)

- [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX  XXXX XXXX  XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b . - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b.
Consumer complaint received 2023-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter to me stating they had transferred my Mortage Loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX as XXXX XX/XX/XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX over paid XXXX XXXX XXXX Ins twice to XXXX Homeowners Ins. with payments of {$1900.00} and {$1900.00} respectively. I only owed {$1900.00} ). 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXXXXXX  : XXXX XXXX XXXX. 
U S Bank XXXX XX/XX/XXXX U S Bank sent me an Escrow Analysis that they had completed and send to chase informing me of an escrow shortage and my moortage payments would b going up & XXXX, even though their analysis was mad on incorrect data on XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX and XXXX, I contacted all three parties in efforts to correct this. They would not correct the error on the excrow or my Mortage. My mortage is set to increase on XX/XX/XXXX. This is deception, abusion, discrimination and failure to communicate with me to solve this error by all three paeties listed above. I am asking for this Notice of Error to be Corrected by XX/XX/XXXX and my Motage monthly payments should be {$1300.00} as I also do not owe any more PMI insurance.