davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I received an email from Credit XXXX that I had a new hard inquiry. Upon reviewing it appears that there was a hard inquiry ran from XXXX XXXX on XX/XX/year>. I have not applied or inquired for anything regarding credit cards.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I discovered an incorrect address, on my credit report that does not belong to me. Despite my continuous efforts, including multiple phone calls over a period of 3-4 months, and speaking with different agents, the company informed me that they couldn't remove the address because it's linked to an account. I want to emphasize that I have never lived at that address, and the account associated with it is not mine. To address this issue, I began sending dispute letters for the accounts that do not belong to me. In my attempts to resolve this matter, I have also attached my identification documents, clearly indicating my correct address, in an effort to provide the necessary information for verification purposes. Despite these efforts, the incorrect address continues to be associated with my credit report, causing ongoing issues. I have taken these actions to rectify the situation, but unfortunately, the problem persists, and I have not received any resolution from the company.
Consumer complaint received 2023-11-02
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. (IL)

these fraudulent CRAs are violation my rights as a consumer, I am a victim of identity theft by law the credit bureaus furnished infromation on the consumer report without written consent. I contacted the debt collectors and none of them were able to provide a wet ink signature form me or a contract, these accounts listed below are in fact fraudulent. this has been over 90 days and I am fed up. who will hold these fraudulent companies accountable, who's protection the consumer on the informed use of credit, the act a laws put in place to protect me aren't being followed by these companies and it is affecting my lively hood. I am homeless with an infant daughter and my credit is being sabotaged by companies they have too much power and this is not fair!
Consumer complaint received 2023-11-02
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)

In XXXX of XXXX  I called my credit card company XXXX XXXX on multiple occasions requesting hardship due to me being in a XXXX  XXXX. My spouse was controlling my finances and I was not working.They insisted there was nothing they could do. Which caused me to have 5 missed payments on my credit report. I fled my home this year and asked for the same assistance and they provided it to me. When I inquired how long did they have this assistance they stated " since Covid 19 '' so that means they had it when I initially inquired.I am currently looking for a home to live in and sent multiple Goodwill letters asking for removal of the late payments. XXXX XXXXXXXX XXXX XXXX  stated for me to call Experian to have the issue resolved. If I was not given false information back in XXXX of XXXX, this could have been avoided. Now I am having trouble locating a safe home because as a courtesy to me they do not want to remove the report after they already provided false information. 

Can you please assist me?
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar XXXX XXXX XXXX and XXXX XXXX XXXX XXXX CA XXXX We started a short sale with Nationstar in XXXX 2016. We have a buyer who is willing and able to close the short sale. Nationstar has put this property through its in-house auction company that it owns, " XXXX '', two times, so that they can gain the 5 % fee they have named a 'Buyers Auction Premium '' fee. Both attempts by Nationstar to procure their own buyer have been unsuccessful. 

Since Nationstar was unable to procure their own buyer and thereby gain the additional 5 % auction charge, they have decided to simply not work on the short sale and instead take it back at the foreclosure auction - which is a month away. 

Nationstar is refusing to entertain the offer by the current buyer we have provided. This offer has not once been reviewed by Nationstar. They have decided this, even though they have ample time to review the offer we provided to them. 


Does the investor know that Nationstar is refusing to review an offer since it was not procured through the auction company that Nationstar owns?
Consumer complaint received 2023-11-02
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-11-02
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. (NJ)

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry is not mine XXXX XXXX XX/XX/
Consumer complaint received 2024-06-26
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (FL)

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Ive sent a debt validation letter via certified mail with no response, over 30 days. Zero payments are being processed but theres a huge $ XXXXAidvantage loan on my credit report which is illegal
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

I have balance transfers one of which expires XX/XX/year>. I made my regular minimum pymt and then called and requesting making a pymt over the phone to pay the bal of the offer expiring XX/XX/XXXX. They would not do it & said any amt I pay will be applied to the higher bals & they can not allocate funds as I requested. They said I need to wait for my statment after XX/XX/XXXX- then pay that offer which will have the interest added. They said if I pay it right away no interest will be charged. They will not put that in writing to me but said they are noting my file. I found on your website regarding XXXX ( i ) Last two billing cycles- where it says I can allocate funds in order to not go past my expiration date to pay off that transfer. I do not trust that a note on my file is confirmation that I won't be chaged the interest and don't understand why they won't accept an additional payment to fulfill that transfer. I just had the same situation with another card - made the same kind of call and they did allocate the funds as I requested with no problem. So I believe CitiBank should also have to do that.
Consumer complaint received 2024-05-29
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. (CA)

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 2024-05-29
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. (CA)

I am writing this letter because I believe there are still errors in my credit file. I request that you verify the information listed below to ensure it is neither untimely, inaccurate, unverifiable, nor incomplete. Please review these accounts : XXXX XXXX  XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$18000.00}
Consumer complaint received 2024-05-28
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. (GA)

Dear XXXX I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-29
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)

I've tried repeatedly to address the unauthorized inquiries on my consumer report without success. These inquiries are completely unrelated to me and not my responsibility. They've caused me significant emotional and financial hardship. As an identity theft victim, I may need to resort to legal action if this isn't resolved properly. These false and fraudulent entries have prevented me from purchasing my ideal home and adequately providing for my family. The negative impact on my financial situation has been considerable. I've enclosed a copy of my previous letter to the Federal Trade Commission ( FTC ) explaining this issue and requesting resolution.
Consumer complaint received 2023-11-02
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)

The Credit Bureaus stated that my account was investigated but how can that be if the dates last active are incorrect, incorrect full name, high credit amounts are incorrect, incorrect account numbers, account status is incorrect, responses to where inquiries came from were left unanswered. How can an investigation be conducted properly and fair according to the law if the information still reporting is erroneous? These are all grounds for immediate removal from my credit reports as it violates my rights under XXXX5 U.S.C. 1681 section 602 A. I was seriously affected and harmed because the Credit Bureaus continue to show this incorrect accounts reporting resulting in a bad credit score. The Credit Bureaus continued to give out incomplete and inaccurate information after I requested the accounts to be validated. The Credit Reporting agencies are all negligent and willfully noncompliant with the laws exhibited for people like myself. XX/XX/ was the latest time that i have sent out disputes via USPS and have not received an immediate delete for the accounts. I demand these negative accounts removed. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days and more than the grace period of up to 15 additional days ( 45 days total ) to respond. The following accounts regarding my claim are as follows : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite submitting extensive evidence and meticulously following the required procedures, it is highly troubling that this issue remains unresolved. The existence of these fraudulent items not only damages my reputation but also jeopardizes my financial stability and credibility. Despite my ongoing efforts to resolve this matter, it is disheartening to face continual obstacles and delays in reaching a satisfactory conclusion. I urge you to treat this issue with the highest priority and take immediate action to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress in addressing this matter and seek appropriate compensation for any damages or losses incurred due to this persistent error. Therefore, I am requesting your assistance to remove these fraudulent items from my credit file : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$440.00} XXXX XXXX  Balance Owed : {$620.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$1100.00}
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I've received an alert from XXXX Credit  Report about this account name " XXXX XXXX '' and when trying to report it as a suspicious account, they told me that I would have to report this to the Credit Bureau XXXX I did report it to XXXX and after they conducted their investigation, they removed it from my credit report history. Though, it still appears as active in my Experian  Credit reporting that I'm still accused of late payments despite explaining to Experian that I've already contacted the company directly and they stated that I don't exist in their system. I even informed them that even XXXX removed it from my credit report. So after they conducted their investigation and they basically stated that there is no errors on my credit report regarding to that account. After multiple disputes about it, they believed that there is nothing wrong with it and at this time, I'm still being accused of owning a balance to that company despite not existing in their record which is affecting my credit score. I just want this account removed from my credit report since the company confirmed that I don't exist due to the information not matching and they believe that this is possibly some form of identity theft being committed and also with XXXX even confirming that they don't exist in my account so they removed it.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name 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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit monitoring service called XXXX that monitors my service. On my last credit report, the following addresses are still associated with my name. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never lived at these addresses. They belong to either my ex-wife or somebody else.

I have attempted to remove these addresses numerous times with all three credit reporting agencies and have had my complaints closed because I have made previous complaints. Yet, the addresses still remain on my report.

I do not consider this a duplicate complaint submittal until the addresses above have been removed from my credit report. 

Please remove all three addresses listed above.
Consumer complaint received 2023-11-02
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)

Going over my monthly consumer report I've noticed that Experian is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Experian thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Experian continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2024-05-29
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. (CA)

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. 

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 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.