davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXX  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 2024-05-04
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Todys date XX/XX/24 thirteen days after a claim was filed on my account ending in XXXX and that hold still remains on the transfer to my new account at XXXX. 
there is a hard violation against me for reasons unknown. Federal Code 229.10 states ' funds from eletronic deposit shall be availible same day and no longer that two days.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

Mohela is my XXXX loan servicer because I am enrolled in the PSLF repayment program. I enrolled in auto debit before my XX/XX/2023 payment was due. My account was not auto-debited. I was not notified at the time of enrollment that there could be any delay in auto-debit becoming active prior to the bill being due. I attempted to go on their website to obtain the information to contact the servicer directly about the issue on XX/XX/2023. All of the published customer service numbers are not operable. The phone line says that calls to those number can not be completed as dialed.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Consumer complaint received 2024-07-05
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. (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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I filed XXXX XXXX Bankruptcy, this Bankruptcy was XXXX XXXX. I contacted all creditors and credit bureaus to ensure they have up to date accurate information, all bureaus updated all information on all accounts accurately except for XXXX Equifax. I pay a monthly membership fee to Equifax for services to see and dispute my credit report. last XXXX days I have filed over XXXX disputes, with all results being that Equifax finds the current information to be accurate and no changes made. On XX/XX/2024 my Equifax credit score I could see was XXXX, XX/XX/2024 my score XXXX, XXXX XXXX Acct ending in XXXX reported after my discharge that my account with them is Charged Off, with Balance of {$3500.00} and XXXX XXXX of - {$3500.00}, Comments " Charge Off ''. Equifax refuses to update this account as XXXX XXXX XXXX Bankruptcy, failing to update balance to {$0.00}, failing to update avail credit to {$0.00} and failing to update historical data to reflect the discharge. 
I am suffering from Equifax and XXXX XXXX XXXX reporting to my credit file, I have been turned down for credit offerings, jobs, work assignments, as purpose in XXXX XXXX bankruptcy is to offer Americans a XXXX chance / fresh start and Equifax and XXXX XXXX are dilertly causing un-repairable harm to me by the XXXX disregard of my Constitutinal Rights & Rights afforded to me within my State and of The United States Of America. I am seeking for my credit file regarding this issue be corrected immendiately with out delay and financial compensation for damages, pain and suffering, damages for violating my Rights.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$380000.00}, XXXX XXXX XXXX XXXX Balance : {$17000.00}, and XXXX XXXX Balance : {$13000.00}.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (FL)

LexisNexis is in violation of 15 USC 1681 e subsection ( b ) of the Fair Credit Reporting act. LexisNexis continues to provide false and inaccurate information to the credit bureaus in reference to a Bankruptcy that they falsely claim to have verified. On XXXXXXXX XXXX I disputed information on my LexisNexis credit report that they maintain under my social security number. LexisNexis claimed to have verified the bankruptcy as being Report accurate, HOW CAN THIS BE when I provided proof from the court that the case number is INVALID. I also requested LexisNexis to provide me with documentation from the COURT with documentation bearing my signature, however they failed to do so. The following Bankruptcy needs to be deleted from my credit file immediately : XXXX XXXX XXXX XXXX : XXXX. I have also attached proof from pacer that the filing number is invalid.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I received a notice letter from XXXX XXXX XXXX XXXX informing me that their company had a data breach and all my personal information was used with them on XXXX XXXX and also the dark web. Also, based on their investigation to date, the data appears to be from XX/XX/2019 and earlier. The company offered me a complimentary credit monitoring, identity theft detection resolution. I tried disputing all of the wrong information with all XXXX of the credit bureau it wasn't removed.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi I'm XXXX XXXX XXXX, I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$760.00} CXXXX XXXX  Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$390.00}
Consumer complaint received 2023-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

On XX/XX/2023, I received an alert from a credit monitoring service that there has been a change to my credit profile. When I logged onto the service website, I saw alerts on all three of my consumer reporting agencies that a new collection account had been added to my reports. Upon further research, I saw that the following companies were on my respective reports : XXXX : CCS Collections XXXX XXXX XXXX XXXX, MA XXXX XXXX : Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX XXXX : Credit Collection SVCS XXXX XXXX XXXX XXXX, MA XXXX I have had no contact with this company and I've received no debt collection notices in writing or otherwise. Also, the different names and addresses attached to each report seem suspicious and this issue has caused great harm to my consumer profile and slandered my character.
Consumer complaint received 2024-05-04
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)

Recently | looked at a copy of my credit report and I noticed several inaccuracies on my account : This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX is also reporting no payments reported for XXXX XXXX However, the report is also showing a last payment date of XX/XX/year>. 
The balances across all the agencies are different.
Consumer complaint received 2024-05-04
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CrossCountry Mortgage LLC (FL)

in XX/XX/2023 I was supposed to be doing a closing on a refinance with cash out that was cosigned by my father. A week before we were supposed to do the close he passed away. I went onto the website for the refinance company, which was cross-country mortgage, and I was trying to research to see what happened if one of the applicants passed away during the application process. Upon logging in, I found that all of the documents that have been in the customer portal previously were all gone. Apparently cross country Mortgage chose to stop and cancel my refinance process due to my fathers passing, but they didnt tell me that this is what they were doing. I ended up having to find that out on my own. During this process I was charged {$XXXX} for an appraisal that had to be done for the refinance. I feel that cross country mortgage should reimburse me for this since they are the ones who pulled out of doing the refinance without any notice. Also, they did not send me the appraisal themselves within 30 days of it being done as theyre supposed to have done by law from what Ive been reading. I tried to get a refinance with my husband through XXXX loans, who was getting the funding from XXXX XXXX. We requested the appraisal from cross-country mortgage and they refused to provide it to XXXX loans unless they were paid an additional {$XXXX} on top of the {$XXXX that I paid out-of-pocket. XXXX loans have no choice but to pay them in order to get a final copy of the appraisal. We had been doing this process with XXXX loans for XXXX months. We sent them every single piece of documentation that XXXX asked for from them and then some. XXXX Was insisting that they get a document called an affidavit of affixture, Which is not a document that XXXX XXXX XXXX  provides. The only documentation that XXXX XXXX has is a real property designation, which I sent a picture of the RP sticker from my window of my house, along with an application for the real property designation from the property assessors office. we stressed to XXXX XXXX that the affidavit they want does not exist. My refinance was denied because of this one single piece of paper that is not even offered by my County. So at this point, Im trying to get cross-country to reimburse me for monies, I paid out for the appraisal, that ended up being useless because they backed out of the transaction. I did not.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-08-27
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. (GA)

I reached out to Equifax via certified mail to inform them that inquiries were on my credit report that I didn't authorize, and they released my personal credit information without my consent. Equifax responded by sending me a letter stating that inquiries are factual and will remain on my report for 2 years. I sent another letter to Equifax requesting proof that I authorized the release of my personal credit information to the unknown sources listed in the inquiry section of my credit report. Equifax responded by sending me an identical letter to the first one which leads me to believe that this incident was never investigated, and Equifax is sending out automated responses to consumers. 

The following unauthorized inquiries are listed on my Equifax credit report 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

My credit card was used to purchase items from XXXX from a fraudulent email address. My XXXX email address & the email address used are totally different. XXXX has told my telephonically that they could see that the email address was fraudulent. I've disputed 3 times with Barclays Credit Card but was denied as XXXX refused to credit the charges. I requested the documentation that was sent to uphold the charges from Barclays and the documents showed that the purchases were made from a fraudulent email address that had an IP address from a different state ( XXXX, IL XXXX reside in XXXX XXXX NY XXXX from where I reside. I've called XXXX several times to attempt to have them resolve with the credit card company Barclays Bank but they haven't resolved this. I've asked for a letter to give to Barclays Bank as XXXX has acknowledged that they could see the charges were fraudulent and they stated by phone they would send but still have not sent a letter. The charges were from XX/XX/ {$130.00} & XX/XX/ {$130.00}. Interest fees associated with the charges have also been charged.
Consumer complaint received 2024-05-04
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.