davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-11
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to follow up on my previous letter dated [ XX/XX/year> ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on, auto loan, account [ XXXX XXXX XXXX account number XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. I am writing to file a formal complaint against XXXX XXXX XXXX due to the lack of response to a credit dispute letter I sent on [ XX/XX/year> ]. Where XXXX XXXX XXXX violated my rights by law, that it did not respond to me in more than 30 days as stipulated by law, where I requested that it provide me, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that it has adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-02
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 2024-05-02
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. (IN)

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 XXXX the account.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2024-05-02
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. (TX)

To Whom It XXXX Concern : I sent a request for an investigation under XXXX XXXX ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my XXXX XXXX is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within XXXX  days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Consumer complaint received 2018-03-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I put in offer on a foreclosed home in XXXX XXXX, VA on XX/XX/XXXX with NATIONSTAR MORTGAGE/MR COOPER my offer was verbally accepted and we were promised a contract within 2 weeks. I assumed I would have heard something back by now, I ended my lease with my current apartment because I thought I wouldve heard back by now. I will be pretty much homeless in 4 weeks so I am trying to do whatever I can to prevent this from happening. Every time my realtor has reached out to the listing agent, he says he has no updates for us. We have been trying relentlessly to try to get some answers out of this company and I will have nowhere to live if this does not get cleared up soon. Please help I STILL DONT HAVE A CONTRACT OVER A MONTH LATER
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America mistakenly billed me twice for monthly payment on my XXXX Visa XXXX card and I have not been able to reach them to remove the second duplicate charge. This was a significant amount of money that I no longer have access to. 

On XX/XX/XXXX, I my bank account was charged my normal autopay amount that paid off my credit card statement in full. On XX/XX/XXXX I was charged the exact same amount again. Bank of America does not offer chat or email customer support, so I called them on XX/XX/XXXX to have them reverse the charge. Bank of America was not able to do this and had me call a different line to speak to a department that covers the XXXX card. I called on XX/XX/XXXX and on XX/XX/XXXX, both times the hold time was over 1.5 hours, so I selected the option to receive a call back from their support. I never did.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXXXXXX XXXX with account number XXXX Remove due to inaccuracy - I never paid late If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) Ive never had a late payment. I filed a dispute to have this corrected and every time each credit bureau say that items are accurate and true. Please remove late payment from my credit report.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PR)

Reference CFPB complaint # XXXX,XXXX ; XXXX I stayed the same as in the first complaint. For the third time, Experian has closed the case, writing the same as in the first and second complaint. The only thing I 'm asking Experian is to give me evidence of the veracity of the information that appears on my credit. Experian answers that they verified with the creditors and that the information is correct. I ask again, where is the writing from each creditor that says that information is accurate? The law is clear : If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Experian said they verified and my disputed information was accurate as reported ; and in the second complaint, Experian says they can not do anything because they needs account information. This is unacceptable and I feel outraged. So, here I send you the information requested on complaint # : XXXX : USBANKRUPTCY XXXX : ACC # XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to  provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (LA)

During the summer months of 2020, my identity was stolen and my personal information was compromised online and in the local area when someone attempted to move into an apartment complex using my credit and social, which is why there is an extended fraud alert on all my accounts, that and mainly because of the time this same thing occured only it was at XXXX XXXX to purchase cellular devices and not pay on them using my identity and just recently online when my other roommate went to create accounts and order things under my name and even two new credit cards which is another thing. XXXX XXXX XXXX XXXX  isn't rightfully mines as I currently do not and never had possession of any of the items listed under the purchase but was instead picked up by an old coworker and stolen by his sister, and was essentially coerced into this contract I initially did not approve of or realize this would be the results, there is an active police investigation going on due to these discrepancies, I hope this is resolved expeditiously and with careful consideration.
Consumer complaint received 2023-08-16
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. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2017-07-29
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: Experian Information Solutions Inc. (GU)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I respectfully ask the XXXX who the right person to corrected my name and social security number and contact the Experian to corrected the information it has on file for me. I do n't understand why Experian still not corrected the information on their file. I had sent copy of my driver 's license passport, social security card, even my Bank account number. I ask for the CFPB assistance to inform the credit company to take advantage of my personal information and corrected please. I also sent XXXX my personal information by e-mail. I expect to corrected now. the three credit bureau company. I request the XXXX to allow me to view my dispute online. I do n't know why I ca n't able to see.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-22
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 formally dispute the inaccurate information present on my credit report. The account in question is listed under the names below and contains erroneous details that do not reflect my financial history accurately. XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. Open Status : This account is not supposed to be listed as " Open ''. This account is inaccurately listed as such. Payment status : This account is reporting as " Missed Payment '' on my report. Under the the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. I urge you to take the following actions promptly : Investigate the inaccurate information. Remove the incorrect account from my credit report if it can not be validated. Correct my credit report accordingly and provide me with an updated copy. I expect these corrections to be made within the 30-day period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

According to FCRA 605B, we must delete any incorrect accounts from my credit report. Could you please review the documents? Some of the accounts listed are inaccurate in their reporting. I am entitled to {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-02
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)

Experian, XXXX and XXXX failed to provide factual documents about these accounts on my personal account XXXX -Address of XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Failed to provide factual information about XXXX XXXX  account # XXXX -Failed to provide factual information about XXXX  XXXX account # XXXX -inquiry from XXXX XXXX XXXX XXXX  Experian -Failed to provide factual information about XXXX XXXX  account # XXXX XXXX -inquiry from XXXX XXXX XXXX XX/XX/XXXX