davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CT)

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. The credit bureaus stated my account was properly investigated, but how is that possible if the last active date is inaccurate and the date last reported is not accurate? This is grounds for removal and they also violated my rights under 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. Resolution : Please delete this item from my report IMMEDIATELY.

If the furnisher finds any information disputed by the consumer to be inaccurate or incomplete or if the information can not be verified, the furnisher must, as appropriate, based on the results of the reinvestigation promptly either modify, delete, or permanently block the reporting of that information. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ). 

Account XXXX XXXX XXXX XXXX XXXX Amount : {$1600.00} XXXX XXXX XXXX  XXXX Amount : {$2700.00} XXXX XXXX XXXXXXXX : {$27000.00}
Consumer complaint received 2024-05-09
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)

I am writing to demand immediate action regarding the unverified negative items that persist on my credit file. Despite my repeated challenges and requests for investigation, these unjust and inaccurate entries continue to tarnish my creditworthiness and violate my consumer rights.
Consumer complaint received 2024-05-09
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. (SC)

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00}
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. (MA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00}
Consumer complaint received 2024-07-12
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. (CA)

Recently, I received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health and overall life.
Consumer complaint received 2024-05-09
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
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. (OH)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-16
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: EQUIFAX, INC. (TX)

Equifax has given out my consumer report to various financial institutions without my consent. In order for a company to obtain my consumer report written instruction has to be given by the consumer for such action to take place which is under 15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject 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. Any company requesting a consumer Report from equifax is suppose to disclose the identity of the end user and written permissible purpose for each use of the consumer report. I have disputed many of these items which have come back verified. Im not Im asking for verification. I am requesting Equifax prove the certification ( documents ) ( written permissible purpose ) for each hard inquiry. 15 U.S. Code 1681g - Disclosures to consumers ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 1681e ( e ) ( 1 ) of this title ) that procured a consumer report 15 U.S. Code 1681e - Compliance procedures ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end- user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). ( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person If equifax can not produce the certification for each item listed then equifax has committed fraud under 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information. 
I want the following hard inquires deleted, XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-28
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. (PA)

I have addressed these issues numerous times, but the bureaus have not responded to my complaint. Please delete all the accounts and inquiries listed below. I sent my letters on XX/XX/XXXX, and am awaiting your prompt response. Delete these items immediately! 

XXXX XXXX XXXX. XXXX, XXXX {$270.00} XXXX XXXX XXXX XXXX, XXXX {$900.00} XXXX XXXX XXXX. XXXX, XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$4100.00} XXXX XXXX XXXX XXXX, XXXX {$2000.00} XXXX XXXX XXXX XXXX, XXXX {$900.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$4100.00} XXXX XXXX  XXXX XXXX, XXXX {$900.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$880.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$1000.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX CXXXX XXXX XXXXI Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (CA)

I will not tolerate your dismissal of my identity theft claim as an error or misrepresentation. You lack the authority to determine what constitutes a material fact. You are not a judge, a jury, or in any position to make such judgments. You have no right to do so. 

The Federal Trade Commission ( FTC ) explicitly states that when you receive an FTC identity theft report filed with a law enforcement agency, your obligation is to comply with the law. 

This is your final chance to properly process my identity theft request. Otherwise, I will pursue legal action in a courtroom where you will be held accountable for the damage to my reputation, credit, and emotional well-being caused by this matter. Your negligence regarding material facts will be evident, and you will be required to compensate me for your recklessness. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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)

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 2024-05-27
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. (MA)

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 2018-03-29
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. (PA)

I want to report XXXX &  Experian for continuing to have credit card accounts, loan accounts and student federal loans on my report that do not belong to me. I've filed a complaint at my local police department, sent numerous letters to these two companies and this has been documented and ongoing since XX/XX/2017. The companies that remain on my account that I have disputed have never provided proof and I contacted them directly as well. Ive reported them to the FTC, submitted fraud paperwork with them as well and sent in copies of my social security card and my driver 's license.
Consumer complaint received 2018-03-29
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. (PA)

I want to report TransUnion & XXXX for continuing to have credit card accounts, loan accounts and student federal loans on my report that do not belong to me. I've filed a complaint at my local police department, sent numerous letters to these two companies and this has been documented and ongoing since XX/XX/2017. The companies that remain on my account that I have disputed have never provided proof and I contacted them directly as well. Ive reported them to the FTC, submitted fraud paperwork with them as well and sent in copies of my social security card and my driver 's license.
Consumer complaint received 2024-05-09
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. (NY)

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$16000.00}
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (GA)

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.

has violated my rights. Or list of inquiries 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-09
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 see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
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. (WV)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Sometime at the start of the year, closer to XXXX, I was applying to credit cards to see who would take me since it would be my first card. One if those cards being from Capital One but i did not get approved. In XXXX i applied for the XXXX XXXXXXXX XXXX and got approved and that is the card i have now and while i was looking at my credit report for this month ( XXXX ) i saw a hard inquiry posted from Capital One, but that was the only time i had ever looked or applied to credit cards for it to impact my credit score this month. I do acknowledged that i used my card up a lot but the inquiry is what has me confused.
Consumer complaint received 2024-08-10
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. (SC)

I am writing to report that I have been a victim of identity theft upon reviewing my credit report I noticed that XXXX has listed these two accounts that I do not recognize and did not authorize the account which appears in my credit report is not familiar to me and I have never applied for this leasing agreement. To my knowledge this fraudulent accounts were open without my consent I respectfully request that this these unauthorized accounts be investigated and I urge you to remove it from my credit report immediately please provide me with any available information regarding the accounts including the account details please also inform me in writing that the fraudulent accounts have been removed from my credit report thank you.
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. (TX)

I am a victim of identity theft. I have reported this XXXX times and nothing ever seam 's to get done. Litigation will follow. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX  business days of receipt. Listed below the accounts to do not belong on my credit report. 
XXXX. XXXX XXXX XXXX  Wrong addresses reporting
Consumer complaint received 2021-03-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I applied for a conventional mortgage ( XXXX XXXX ) at the loan limit of {$510000.00} with Banco Popular Puerto Rico on XX/XX/2020. I was given a new quote right before the closing process, which features a much higher interest rate than what I received initially ( 4.5 % vs. 3.875 % ). There is no logical reason for this as my credit score has only improved, credit utilization rates are at elite levels, and my credit score is in the excellent range with all major credit bureaus. 

After sharing my experience with at least three independent sources, including my realtor, friends, and acquaintances, all of them verified that Banco Popular commonly waits more than 60 days for the quoted and locked-in interest rate to expire and then increases the interest rate significantly right before mortgage closings. This is not an honest business practice, and it seems that nobody is holding the bank accountable for it. A second-order consequence is that the bank needs to pull my credit report again as they waited until the initial report expired, which could affect my credit score. In summary, the bank has been extra slow, significantly increased their initial interest rate quote with a new quote right before the closing after stalling about 130 days, and is potentially hurting consumers ' credit score by pulling credit reports multiple times throughout an elongated process.
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I recently made a deposit into my business account and waited for the deposit to clear. The deposit has cleared and US Bank is refusing to allow me access to my funds. Ive called multiple times trying to figure out the reason but they are not giving me any clarity on the situation. Ive spoken to XXXX from the US Bank Online Banking department and have asked multiple times to speak with a manager but to no avail. Why can US Bank restrict me access to my accounts for no reason? I have been on the phone for the past few hours and getting no information to help me solve this problem! I have received no type of corresponds informing me of anything that is happening.