davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
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: EQUIFAX, INC. (GA)

I have asked the CRAs to verify these accounts and they did not provide any documentation or proof. I have provided numerous police reports, proofs, and verification. They did not contact me nor did they verify it with me, the consumer. 

Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CO)

Looking to complete a simple HARP refi with current lender, Nationstar now XXXX XXXX. I have not received the " Dinner and a Movie gift card '' from promotion flier they mailed out on many occasions. Completed application almost two months ago and have yet to see my credit score disclosure or the rate options that were discussed. Originally said the gift card would go out three days after application, so false and misleading advertising. Have spoke to them on multiple occasions and they just keep saying next week I will get gift card. It would be good to get credit score info so I can start looking for other options with out each lender pulling credit. Left messages no return call. Said they would beat other lenders rates but wont call me back to discuss. Other bad service type of things but these are my main issues for now. Any help would be appreciated.,
Consumer complaint received 2023-04-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

Hello. 

PNC bank had not credited me with the correct appropriate interest amount for 21/2 years ( from present going back about 2 1/2 years before ).

BACKGROUND INFO -- -- -I had my account first opened at XXXX XXXX and had subsequently moved to XXXX XXXX I had notified the bank of my change of home address before I had physically moved from XXXX. to XXXX about 2 1/2 years ago. The bank only changed my billing address ( when they send letters/ notices/ etc ), BUT NOT my complete IT personal profile which should have included my entire banking computer record that would reflect whatever my official new state of residence banking structure/ system should be ( including the interest rate for the state of my new residence should be ).

During those 2 1/2 years, the interest rate that they are/ were paying the XXXX  residents is much much lower than what they're paying the XXXX residents ( even up to the present time ) -- - huge huge difference -- - for XXXX  it was just about 0.01 % -0.025 % and for XXXX, it is about 4.5 %! The bank didn't even notify me of such huge rate difference between the two states during that entire time period even after I notified them of my residence state change. Neither did the bank let me know that they didn't change my complete internal IT customer profile system that would entitle me to the higher XXXX state interest rating structure. Therefore, I was cheated out of significant interest amount that I should be earning for that 2 1/2 years -- ie, the much lower XXXX  interest rate ( versus the higher XXXX  rate that was I supposed to be credited with during that 2 1/2 years ) on a significant sum of money deposited in my bank accounts there ( high XXXX of deposit money ). 

Since the bank did not change my computer profile to XXXX state for that period of time ( even after I had notified them of the change of my residence state in the prior 2 1/2 years time period ( -- - the evidence is very clear-cut because the bank had mailed materials to my XXXX  state residence during that time period ). I was credited with the low low interest rate of XXXX. state during that 2 1/2 time period ( up to just 3 weeks ago when I realized this injustice committed by the bank by visiting a local bank branch here in XXXX XXXX.did they allude to me the truth ). 

I had complained personally ( about 3 weeks ago ) to the XXXX  branch office ( XXXX XXXX, in XXXX XXXX -- XXXX XXXX XXXX -- supposedly manager ) and had also complained to the corporate HQ Executive Client Relation Department ( XXXX XXXX XXXX -- supposedly the highest level personnel in that department, as I was told ; ; plus some other lower level employees also, of which I have a record of all their names and the time and dates of my conversation with them ) to no avail, in spite of spending almost 14 hours of my time in explaining & presenting all these facts/ evidences to those people involved in this situation.

CFPB -- - Please help in resolving this issue. Much appreciated. 

XXXX XXXX
Consumer complaint received 2023-12-20
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)

To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$21000.00} EXPERIAN XXXX XXXX XXXX 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 2023-12-20
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)

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 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 2024-04-08
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. (NE)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I was getting ready to move out of my families house to move into my very first apartment and while I was getting things in order last month I decided to check my credit for the first time in a really long time and I noticed that I had a debt collection from XXXX XXXX dating all the way back to XX/XX/ XXXX XXXX  when I don't recall ever having any services or phone lines from XXXX. The collection amount is for {$4300.00}.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft, my information was exposed to the public in the Equifax data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordense with the fair credit reportact, the list of accounts below has violated my federlly protection consumer rights to privacy.an comfidentiallity under 15 u.s.c 1681 XXXX XXXX accout number XXXX XXXX ac/number XXXX XXXX/ dept of edu a/c number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ac/number XXXX XXXX XXXX XXXX XXXX XXXX XXXX a XX/XX/2016 {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has violated my rights 15 u.s.c 1681 sec 602a states i have the right to privacy 15 u.s.c 1681 section 604a states that a consumer reporting agency can not use account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) no consumer reporting agencies may make any consumer report containing any of the following items of information. any other adverse item of information, other then records of conviction of crim which antedates the report by more the sevsen years.

15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumerto any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/22 Amex processed a {$150.00} charge to my account after having downgraded my Blue Cash Preferred card to a Blue Cash Everyday card. Their reasoning The terms and agreements do not specify " clawbacks '' regarding downgrading within the first year. The terms regarding revoking credits is general ( " ... can be revoked at any time '' ), too general to be enforced fairly. The rep was unhelpful in resolving this. Per the same rep, I can not undo this downgrade of my card. 

ticket # : XXXX active with Amex
Consumer complaint received 2024-04-08
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference.
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: EQUIFAX, INC. (NC)

Ive checked my consumer report and the personal information that is reporting is not accurate and is not authorized by me. I am requesting the inaccurate information to be removed from my consumer report immediately. 

Please remove the following names from my credit report. This is not my name nor have I authorized anyone to use this name. 



Please remove the following address on my consumer report, the addresses that are listed are incorrect and were not authorized by me. 



Please remove the following employers on my consumer report, this information does not apply to me.
Consumer complaint received 2019-04-01
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: EQUIFAX, INC. (LA)

I have not used my credit since I purchase my home, due to the new mortgage payment. I decided to try a refinance of my home loan and found all of these accounts on my credit report and they aren't my accounts. I also had to list additional accounts on my comment section of the identity theft report, beacue it wouldn't allow me to upload, the additional accounts.
Consumer complaint received 2021-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PR)

I have already reported it on several occasions to credit companies. Even with the times that I have submitted it, the company insists on collecting a debt that is not mine, I do not recognize it. I can not submit any evidence because I never had any document to accept that it is mine. That is why I request that it be canceled since it is affecting my credit report. Thanks
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-11-13
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. (NY)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$260.00}
Consumer complaint received 2023-04-29
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. (CA)

This is my follow-up complaint about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : -
Consumer complaint received 2023-12-20
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)

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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. (OH)

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX 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 1681 c. ( 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 recordsof 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 According to XXXX : XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates laws : 15 USC 1681i.15USC 1681S2 . 15 USC1681i5. 1681 USC1681EB : DELETE ACCOUNT
Consumer complaint received 2023-12-20
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST 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 accounts 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 2024-04-08
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. (NJ)

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 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.