davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (FL)

I have disputed this fraudulent account to XXXX and its third party collection company and they continue to re report this fraudulent XXXX Account to my report. I got a divorce and moved from XXXX XXXX XXXX in XXXX. XXXX says this account was opened in XXXX. When I left we had XXXX XXXX XXXX. If there was a XXXX there I DID NOT AUTHORIZE it. This is not the first account that was opened fraudulently in my name without my knowledge by a person of trust. The dates are inaccurate and the information is fraudulent.
Consumer complaint received 2024-05-16
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)

I reviewed the results that you have sent back to us after your investigations, I appreciated you for removing some of the inaccurately reported accounts, But it seems the investigation is not fully done, I still profoundly dispute the following remaining Accounts. These items are still reporting illegally which leads to great damage to myself. I would need your help to fix my credit. 

Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re-investigate. I look forward to your reply and address my concerns right away! 

XXXX XXXX XXXX - XXXX and XXXX XXXX - XXXX.
Consumer complaint received 2016-06-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: STATE FARM BANK, FSB (NY)

On or about the second week in XXXX XXXX I received a call from State Farm Bank asking for a past due payment on a car loan. I asked why they were calling me for payment. The collector stated that I was the co-borrower on a loan for a XXXX XXXX XXXX and that State Farm was unable to reach the primary buyer XXXX XXXX. I was very concerned about my credit being destroyed so I began making payments to State Farm Bank in an effort to preserve my good credit. Kindly note that XXXX XXXX is my son-in-law and he left XXXX in XXXX XXXX and now lives in XXXX. I am upset because I can not afford the {$740.00} per month car loan payments. I never co-signed for a loan for the XXXX XXXX nor did I authorize anyone to sign my name to a loan. I requested that State Farm Bank send me a copy of the Vehicle Loan Application and the Promissory Note and Security Agreement so that I can see if someone forged my signature. The signature on the Vehicle Loan Application and the Promissory Note and Security Agreement are in fact not mine and I am the victim of identity theft and forgery. I also went through papers given to me by my daughter that were left in her care by my son-in-law XXXX XXXX before he left for XXXX. I discovered a copy of a Power of Attorney that I did sign. I did not sign this document in the presence of a Notary Public although a Notary Public named XXXX XXXX XXXX claims he witnessed my signature on XXXX/XXXX/XXXX. I do recall when my son-in-law asked me to sign the document ... I was at home with my wife and son ; it was evening ; no Notary Public was present. My son-in-law indicated that the document was needed to check my credit and that the document I was signing was not a car loan. XXXX XXXX informed me that if my credit was good enough, I would need to be present at the dealership for a loan to be applied for. I also found a Bill of Sale and Odometer Disclosure Statement that only lists XXXX XXXX as the Buyer and there is no name listed as a " co-buyer. '' I have attached the Power of Attorney ( dated XXXX/XXXX/XXXX ), Vehicle Loan Application ( undated ) and the Promissory Note and Security Agreement ( dated XXXX/XXXX/XXXX ), Bill of Sale ( dated XXXX/XXXX/XXXX ) and Odometer Disclosure Statement ( dated XXXX/XXXX/XXXX ). I need assistance because my only option is to stop paying and wait for State Farm Bank to sue me in order for me to prove to a Court that I am not legally responsible for this debt. To exercise my right to have my day in Court would be costly and destroy my good credit.
Consumer complaint received 2023-11-15
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. (TX)

This is the XXXX time I have reached out about these inquries I also went on experian website and uploaded my report stating these inquiries need to be removed and XXXX months it still isnt corrected
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Experian issues are never ending. 
I believe I'm the victim of retaliatory actions from Experian. 

Please note : After I filed complaints against Experian, for the credit monitoring services charging my credit card and refusing to allow cancellation... I was completely locked out of my account for years! 

Now, my FICO is suspiciously lower than the other bureaus '! 

After many years of my entire Experian credit history not being available... 
Now I have an inaccurate and very low FICO score available. 
Experian is reporting a FICO score of XXXX Whereas both XXXX and XXXX report a FICO of XXXX That's too huge of a difference. 

The credit history generating these very different scores are the same. Meaning all three bureaus are reporting the same credit history... But Experian is reporting a totally different and much lower FICO score for the exact same credit history.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (FL)

My name is XXXX XXXX and my wifes name is XXXX XXXX. We currently have a mortgage with AmeriHome Mortgage. In XXXX of XXXX we entered into forbearance under the CARES Act. 

Beginning XX/XX/XXXX we began receiving weekly phone calls from Amerihome. Each call started with a statement that this was a call from a debt collector in an effort to collect a debt. The content of these calls was questions about income, expenses, when can we pay, how much can we pay and constant mention of default, foreclosure, deed in-lieu and short sale. At this same time we started to receive letters in the mail consisting of the same subject matter ... all of which amounted to scare tactics and threatening behavior. 

In XXXX both of our credit scores were impacted due to Ameriprise reporting a balance increase, I assume due to interest. 

In XXXX after making a mortgage payment I attempted to setup a repayment plan, however, the Amerihome representative told me that was not possible. 

XX/XX/XXXX I spoke with a different representative from AmeriHome. During this conversation I was able to setup a repayment plan with AmeriHome. At the time the repayment plan was setup we owed {$5800.00} which represented payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To start the repayment process we had to pay 50 % ( {$2900.00} ) of the outstanding balance, which we paid at that time. The payment of {$2900.00} paid the XX/XX/XXXX payment and half of the XX/XX/XXXX payment. The remaining outstanding balance will be paid over a period of four ( 4 ) months with equal payments included with the monthly mortgage payment. 

Today, my wife and I both received notifications of a significant decrease in our XXXX credit scores. My credit score reduction was 60 points and my wifes credit score reduction was 105 points. This reduction was a result of AmeriHome Mortgage reporting we are in default and 60-89 days past due. 

Not only is the reported delinquency timing incorrect, it is also in violation of the CARES Act. 

This item could be removed from our credit reports tomorrow but it will take years to gain back the points that were reduced, incorrectly, as the credit scoring system is flawed, as well know.

Our family is looking at a potential relocation due to career movement and we likely will be unable to purchase a new home in our new location or, if so, will be at significantly higher interest rate. We will be penalized and punished for this erroneous reporting and will have no recourse.

As a side note, no one asked for this pandemic nor its devastating results. If AmeriHome Mortgage is doing this to my family and me, I can only imagine how many others they are treating with scare tactics, threats of losing their homes and devastatingly erroneous credit reporting. 

Thank you for your assistance ... I look forward to hearing from you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

To Whom It Mav Concern. 
I have recently reviewed my credit report and noticed vou have assigned the above referenced account to a third party debt collector. Since you are an organization covered under the HIPAA Privacy Rule ( and I do not recall giving you permission to release my medical information to any third party, provide me the following : A certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to a third party. 
As you know, the Health Insurance Portability Act of 1996 ( HIPAA ) protects my privacy and medical information from unauthorized disclosure. Any violations of the Privacy Rule are investigated by the Office for Civil Rights ( OCR ) of the U.S. Department of Health and Human Services. If you released my medical information in error, and this matter Is cOITected within 30 days, there will be no reasonable cause for me to file a complaint with the OCR. 
In addition, I request you contact the third party debt collector assigned this account for notification purposes. Their name is : Americollet If you can not substantiate I authorized the release of my medical information within 30 days, and collection activity continues including derogatory reporting to the credit bureaus ), I will have no other choice but to file a complaint with the OCR against you and the third party debt collector. Thank you in advance for your cooperation.
Consumer complaint received 2023-09-15
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: Mr. Cooper Group Inc. (CA)

My credit report is showing late payments to Nationstar Dba Mrcoo XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Nationstars customer service representative.
Consumer complaint received 2023-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MS)

I am a victim of Id Theft, I am a travel nurse and these types of things could affect my employment because they do credit checks on us. I started receiving calls from XXXXXXXX XXXX XXXX XXXXXXXX about a debit that did not belong to me. I tried to dispute it and had no success. The account number ending in XXXX in the amount of XXXX which is now sent over to MCM MANAGEMN. They are harassing me about this and this does not belong to me. I have a Identity theft program with my job that is working with me to resolve this issue.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2023-05-04
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. (TX)

Yesterday I accessed XXXX XXXX and started a pre-approval application. I NEVER completed the application nor hit submit. The first page was completed, and then I hit the next button for the 2nd page which was NEVER completed. 
They did a hard inquiry on my credit report. When I got to work this morning, the application is still on my screen NOT completed for the 2nd page which asks about employment/rent or mortgage/wage. Submit at the bottom. This inquiry needs to be removed from all credit bureaus because it was NOT approved to be ran. This was ran on XX/XX/XXXX
Consumer complaint received 2024-05-16
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. (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.

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 2024-06-25
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. (IL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-05-16
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)

I am writing to file a formal complaint against Experian for their failure to initiate a proper dispute process in response to my request to correct inaccurate information on my credit report. Despite repeated attempts to rectify this issue directly with Experian, I have encountered delays and evasive responses, resulting in ongoing inaccuracies on my credit report. On XX/XX/XXXX, I submitted a dispute to Experian regarding XXXXXXXX XXXX  Account number XXXX and XXXX XXXX XXXXXXXX Account number XXXX Experian claims to have initiated a dispute process in XX/XX/XXXX, yet the status of the account has not been updated since XX/XX/XXXX. This lack of update indicates that Experian has failed to effectively investigate and address the inaccuracies on my credit report. XXXX failure to properly initiate and follow through with the dispute process not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also undermines the accuracy and integrity of the credit reporting system. Specifically, Experians actions contravene the following provisions of the FCRA : Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to conduct a reasonable investigation of disputed information upon receiving a consumer dispute. XXXX failure to update the status of the disputed account since XX/XX/XXXX suggests inadequate investigation and resolution of the dispute, in violation of this provision. Section 611 ( a ) ( 5 ) ( A ) : This section mandates that if the information disputed by a consumer can not be verified, the consumer reporting agency must promptly delete such information. XXXX failure to update the status of the disputed account despite ongoing dispute and updates to the account since XX/XX/XXXX indicates that the accuracy of the information remains questionable, warranting its deletion from my credit report. Furthermore, Experians repeated failure to address my concerns and provide adequate resolution constitutes an unfair and deceptive practice under the Consumer Financial Protection Act ( CFPA ). Therefore, I am demanding the following actions : The immediate deletion of the inaccurate and unverified account from my credit report. Confirmation from Experian that the inaccurate information has been removed or corrected. XXXX from Experian that they will implement measures to prevent similar errors and mishandling of disputes in the future. I am also requesting that the Consumer Financial Protection Bureau intervene in this matter and ensure that Experian complies with the FCRA and CFPA. Enclosed are copies of relevant documents, including proof of my dispute submissions and correspondence with Experian, for your review. Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. Sincerely
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (IL)

On XX/XX/XXXX, I submitted a complaint ( XXXX ) requested a signed contract with my signature along with your Conserve signature. I have also attached my current payments that I have with XXXX XXXXXXXX that are current through XXXX. I would like for this account ( Conserve, XXXX ) to be removed immediately as it is affecting my privacy. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-08-01
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: 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. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXXXXXX XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXXXXXX XXXX XXXX of Inquiry XX/XX/2022
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (FL)

I am writing to formally dispute several unauthorized inquiries on my credit report, as identified in the attached documentation. As someone who has been proactive about credit security, I have had a fraud alert on my account for over 15 years to prevent such occurrences. 

Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize. These inquiries have potentially negative implications for my credit score and could be indicative of fraudulent activity. Given my longstanding commitment to safeguarding my credit through a fraud alert, these inquiries are especially concerning. 

The unauthorized inquiries occurred on [ List the dates or approximate time frame of each inquiry ]. I have neither initiated nor authorized any credit applications during this period, and therefore, these inquiries are erroneous and potentially fraudulent. 

I request the following actions to resolve this matter : A thorough investigation into the unauthorized inquiries listed in my attached documentation. 
Removal of these inquiries from my credit report, should they be verified as unauthorized. 
An update on the status of your investigation and any actions taken. 
I have also contacted the credit bureaus to inform them of this issue and will be monitoring my accounts closely for any further suspicious activity. 

Please find attached copies of relevant documents, including my credit report highlighting the disputed inquiries and evidence of my longstanding fraud alert. 

I appreciate your prompt attention to this serious matter. Please contact me at XXXX or XXXX for any further information or clarification. 

Thank you for your assistance in protecting my financial integrity. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have no supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, therefore any such debt, in fact does not exist. In accordance to the fair credit reporting act, this account has violated my rights as U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

I ALSO DO HAVE AND DO NOT RESIDE AT THE ADDRESS IN WHICH THESE COMPANIES PROVIDED THUS IS ILLEGAL WITHOUT MAIL VERIFICATION TO REPORT INACCURATE INFORMATION ON MY BEHALF
Consumer complaint received 2023-03-12
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. (MO)

In accordance with The Fair credit report act XXXX  account XXXX XXXX XXXX in co, XXXX XXXX and hard pulls has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1881 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.