davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (NY)

I am writing to follow up on my previous correspondences regarding the inaccurate negative entry that continues to be reported on my credit report across all three major bureaus. And I don't know how long it would take for you to take down and remove this entry on my credit report. 

XXXX XXXX XXXX
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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. (MA)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report 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. 1681s-2 ( A ) ( 1 ) states : 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 2024-05-06
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. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2019-06-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

Legal expenses not reported and collected ( XXXX and XX/XX/2016 ) for {$400.00}. Insufficient funds charges, other charges and title cost not reported and charged for {$55.00} ( XXXX and XX/XX/2016 ).
Consumer complaint received 2024-05-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

My credit report has a payment in collections for {$200.00} that just showed up last week. A XXXX XXXX XXXX account was opened using my personal information on XX/XX/23 in XXXX Texas. I never authorized this account to be opened, and have no knowledge of who did it, I do not live in Texas. I only found out about the account because the account is now in collections and it dropped my credit score over XXXX points. I called the credit bureau to dispute this account and to report identity theft. They informed me I must submit a report on the FTC website before I can get this resolved.
Consumer complaint received 2024-05-04
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. (GA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$13000.00} XXXX XXXX : {$1200.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX : {$520.00} XXXX  XXXX Balance {$5900.00} XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX : {$7300.00} XXXX XXXX XXXX Balance {$310.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PR)

Noticed EXPERIAN error of prior residential address, incorrectly reported or filed as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PR XXXX. Correct prior address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PR XXXX.
Consumer complaint received 2024-06-03
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. (NC)

I XXXX XXXX XXXX, just recently obtained my credit report on XX/XX/XXXX. I noticed numerous unauthorized hard inquiries that did not have permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my credit report must have permissible purpose according to 15 U.S.C. 1681b. See Exhibit A. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NC XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b Sincerely, SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-12-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Despite my repeated attempts to resolve this issue directly with the creditors and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that there is not enough proof to show that this debt is invalid, and I demand that they be removed from my report immediately. I remind you that under the Fair Credit Reporting Act ( FCRA ), I am entitled to a quick and thorough investigation into this issue. I demand that you take immediate action to remove this account from my credit report and inform me of the steps taken to prevent this from happening again. XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-05-06
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. (VA)

I recently 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. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
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: Experian Information Solutions Inc. (MA)

Prior to the pandemic, I requested my credit reports and only received a short summary which reflected some discrepancies. I then disputed them and I've attempted to request my XXXX credit reports since then for multiple years now. I've also have requested for the incorrect information to be corrected and I have had difficulties getting an updated and corrected report from all three credit bureaus. I am now being told that I have to verify my identity with the information that is being stored on the reporting system which is all false. Thus, making it impossible for me to verify my true identity. I am still unable to access my reports. Please note that I have already sent a copy of my photo ID, birth certificate, and social security card via certified mail. My data has been compromised ; I have been summoned to court for accounts I have never obtained but the credit bureaus would not correct this error. It appears as my accounts have been frozen and I am unable to unfreeze them due to their request of verifying my identity which I have attempted to. I am being denied for services due to the information on my report. I feel as my rights have been violated and I am being abused by the system that should be assisting me on this crucial matter. I feel as though I'm being treated as a criminal for a crime I did not commit. I am even unable to vote due to this discrepancy. My housing, my license, my medical, my school, and even my livelihood is all been affected and are at jeopardy, I need help!!!!
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Throughout, I've made sure payments on this account are prompt, avoiding any overdue status. I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, 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. (PR)

Noticed and tried to fix problem of " Account Review Inquiries '' at TransUnion from the following sources that I do not recognize : XXXX XXXX XXXX requested on XX/XX/2019, XXXX XXXX XXXX  requested on XX/XX/2019 and XXXX XXXX XXXX  requested on XX/XX/2019.
Consumer complaint received 2024-05-06
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. (DE)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-06
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)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OPORTUN FINANCIAL CORPORATION (OH)

In XXXX of XXXX I bought a car. After purchasing, I received an email from XXXX that my credit score was very low in XX/XX/XXXX. I looked at my credit report and saw a credit card that was past due from opportun web bank that was not my credit card/account. I never opened this card/account, did not know this card/account existed, and never have received any info on this card or account. I immediately took action with opportun web bank and my local police for identity theft and to have the account removed from my credit report. In XXXX of XXXX opportun approved that the account was identity theft and I was not responsible for it and it should be removed from my credit report. I am still fighting for it to be removed from XXXX  and XXXX even though every time I contact opportun they say that since XX/XX/XXXX they have said its not mine and should have been removed. I have 2 letters from opportun stating this too. It has been removed from XXXX. I believe my information was stolen during a data breach at XXXX state in spring of XXXX. Please remove this account from my credit report at XXXX and XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 Account Number : XXXX
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: Experian Information Solutions Inc. (NC)

I appreciate your time to REMOVE some of the inaccurate items that should not be in my file that resulted from an alleged incorrect reporting, however I still have ITEMS left that needed to be removed. I recently checked my updated personal credit report and I noticed remaining three ( 3 ) unauthorized credit inquiries and an inaccurate address still remained on my personal credit report. I once contacted these companies for inquiries and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries and address on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries and address and send me an updated copy of my credit report at the address provided : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
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: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary XXXX-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 2024-05-06
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my XXXX XXXX XXXX  I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY (NY)

Bank location : TD bank, XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Representatives : XXXX and XXXX ( supervisor ) On XX/XX/XXXX, I deposited a total of {$1500.00} into my account via the bank 's ATM. This consisted of four money ordersthree for {$350.00} and one for $ XXXXand {$140.00} in cash. Two hours after making the deposit, I checked my mobile banking app and noticed that the amount had been adjusted to only {$870.00}, resulting in a shortfall of {$700.00}. 

I was informed that the money orders were considered 'illegible, ' which I find hard to believe. These money orders were of the same quality and format as others I have successfully deposited in the past. I even requested the return of these so-called 'illegible ' money orders for my own verification, but this simple request has also been delayed without any clear explanation. 

Over the next three months, I visited the bank six times to resolve this issue. Each time, I was told to wait for a response. Frustratingly, no resolution or clear timeline was provided despite multiple visits and conversations with the bank staff. 

Since the issue arose, I've had to borrow money to meet my rent obligations. This has led to additional financial burden as I am incurring interest on the borrowed amount. I have requested the bank to correct this error and deposit the missing {$700.00}, as well as provide a timeline for resolution, but as of now, the issue remains unresolved.
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (MI)

We had changed insurance companies from XXXXXXXX XXXX XXXX to XXXX XXXX. Flagstar sent " second and final notice '' letter threatening to purchase hazard insurance on our behalf for XXXX XXXX. We hadn't received first notice. Actual insurance premium thru XXXX XXXX is XXXX XXXX. Provided requested documentation of insurance for period covering XXXX. Received conflicting notices. Email seem to suggest that proof had been accepted. Text link indicated that it hadn't been accepted, because it covered wrong period. What period other than current that Flagstar might be looking for would be a headscratcher. Flagstar would seem little energy in customer service and trying to actually resolve problems.