davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (GA)

This is related to my initial complaints. I have completed my identity theft kit as the XXXXXXXX XXXX  requested. I am victim of identity theft. I have discovered that my accounts were compromised. I reported these to you and you helped me remove some of them and for that I am thankful, but some items require more information and they were left on my reports. Please help me. I am already XXXX and I have no one else to help me sort this out. Life has been really hard since the pandemic hit and I need my credit report to to apply for loans but I can't get approved because these fraudulent accounts and inquiries. Please remove them ASAP. This is my last shot in life. I have reported this to the credit bureaus but they don't seem to care. I have attached in this report my FTC report as well my ID, SS card copy, and proof of address.Here are the fraud accounts and inquiries that I need to be removed : FRAUD ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX I have paid them because they kept on harassing me even after I notified them that my identity was stolen. I've disputed that account and we are still fighting about it. It was an unauthorized charge. They don't want to support me. So I keep disputing it. That blood money was paid in full directly to the branch manager XXXX XXXX. He can vouch for this. I have attached the proof as well. I have contacted XXXX XXXX about their situation. I have the statements proving that there was 2 years between the first charge and the one in question. They have opened another dispute about it. Also I called XXXX XXXX  to see if the manager was still there that I worked with. But he wasn't. They don't even know the account I'm talking about. How can they put a bad mark on my credit if they don't even have an account number??? They said they would try to help. But I'm not gon na hold my breath.
Consumer complaint received 2024-07-01
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. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

This is hereby legal notice thereon ; XX/XX/2023 ; I received ; a legal notice from an Experian ; a credit reporting agency ; so stating that Credit line Closed by Credit grantor for my XXXX credit card account no. XXXX ; closed for payment ; in addition I had made in fact several payments long before XX/XX/2023 ; however Experian credit reporting agency is showing that a payment hasnt been made yet ; in addition I never received a bill payment online or in the mail before or after I had made a payment, also I would like to bring my credit card XXXX back into good standings for credit use if possible by making a full payment in addition ; sir-mam after I make the full payment will I be able to use my credit card ; to buy certain items in good standing ; sir-mam you must respond hereafter a 72 hrs. of service of this legal notice as either an affirmation as in fact a denial ; a failure not hereby respond hereto this legal notice ; hereafter a 72 hrs., you as an official for a XXXX will hereby considered as in fact ; an official who has refused to respond as an affirmation or in fact a denial, and your pleading ( s ) as well as the XXXX XXXX  case no. XXXX ; FTC case no. XXXX ; as in fact a claim will hereby become denied and unacceptable ; sir-mam you must hereby service your pleading hereto ; myself XXXX XXXX XXXX XXXX XXXX ;
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello I have tried getting this issue resolved on multiple occasions which it seem like you guys refuse to remove this account. This account is related to identity theft I have been notified by the military data breach and also XXXX police department where you guys can call the didn't notify me the name of the individual as they kept that confidential, please im begging you to reach out to them to get this issue resolved as this account is not mines and it is hindering me from buying my house.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (CA)

In XX/XX/XXXX I had my ID stolen. The thieves opened a credit card acct. and bought or attempted to buy cell phones from several companies. I opened reports with the FTC, XXXX XXXX County Sheriffs ( report # XXXX dated XXXX, XXXX ( report # XXXX dated XX/XX/XXXX ), XXXX  XXXX and put a freeze on our credit. All companies affected did investigations and found the activities to be fraud and I had no involvement. XXXX XXXX sent me to a debt collector : XXXX XXXX acct # XXXX. XXXX. They sent me a letter dated XX/XX/XXXX demanding {$3300.00}. I called XXXX and provided them the Sheriff 's report number, the XXXX report number and they said they would report it to XXXX as fraud and to disregard the letter. I received a second letter from XXXX dated XX/XX/XXXX demanding the debt be paid. I sent XXXX a certified letter on XX/XX/XXXX with the same information and report numbers I gave them the first time. I received a letter from a new debt collector for XXXX : Waypoint Resource Group dated XX/XX/XXXX, acct # XXXX demanding the same {$3300.00}. I have tried to settle this with XXXX XXXX XXXX. ( XXXX ) with no luck. 
XXXX XXXX. Waypoint XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I contacted this debt collector originally on XX/XX/year>. I never received my right to dispute this debt after it appeared surprisingly on my credit report. I sent a letter requesting documentation of the debt. I have not received any responses. I sent another letter on XX/XX/year> requesting this information again including a bond filed with Texas Secretary of state to be authorized to collect debt in Texas. Their is no current bond on file after checking the portal site with my current Secretary of state. I called this company on XX/XX/year> requesting over the phone why they have not responded. IC system stated they responded to a address I do not even know of or have on my credit report as a prior address. I requested their bond information and was given a bond number that doesn't exist in the State of Texas for bond search 's. I also never received my right to dispute this debt originally before being reported to my credit.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed or corrected as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (TX)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (TX)

In XXXX of XXXX  my joint account holder sold items to a private entity that was agreed upon by buyer and my wife over multiple days and phone conversations, as well as XXXX. We have tracking information, text messages, and inventory list of items that were sent to buyer. When buyer received the items, she texted my wife calling her names and saying that she would contact her back about my wife scamming her. My wife ended communication with this woman. She reported to XXXX that she didnt make these transactions or reported that she did not receive any items. Apparently we still dont know. On Friday XX/XX/XXXX I attempted to use my debit card at the post office, and my card was declined. I called my credit union and was told that my account was frozen because I had been found to have engaged in fraudulent activity. I was told that I needed to close my account. My rent money was in the bank and scheduled through XXXX, I was unable to I had no place to send my rent payment. Luckily I was able to pull the money out, but with no bank account the rent was late and a XXXX late charge and returned check fee. I was never asked anything about this accusation prior to the freeze. They still have not responded to our many requests for clarification on what grounds they have to do this without notice. I sent in documentation as they requested. They were had 15 business days to respond to the appeal, which was completed and sent in on XX/XX/XXXX with supporting documentation. They have not responded. This has caused detrimental consequences to our lives and we want answers. We do NOT want to bank with them ever again! They should have protected us. At least asked us what the situation was. They threw us to the wolves,
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2015-09-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IN)

Nationstar Mortgage bought my loan two years ago. I have always had my home owners and flood insurance paid on my loan. when the renewals were up, they paid my premiums with out any notification to me. Rejected my Flood Insurance from XXXX stating " It did n't meet there level of coverage for the home '' Now my payment went up {$400.00}. When I call them to question them about this I am put on hold at least 35min. Then once I do talk to a rep, they give me the run-around, and misinformation. They accepted then rejected a flood policy sent from Nation-Wide insurance which insured the home for the value of the building. To add insult to injury, I received an initial letter from them stating that any payment that had been sent to XXXX XXXX XXXX ( Previous Mortgage holder ) will be credited to my new account with NationStar. It was not credited and they deny receiving it.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

While checking my personal credit report, which I acquired XXXX, XXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2024-06-03
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. (FL)

Hey I Received an 1099 Form for the charged off account : Account XXXX XXXX XXXXXXXX Account number : XXXX from creditor an account was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off account must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-06-03
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-03
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. (FL)

Hey I Received an 1099 Form for the charged off account : Account XXXX XXXX  XXXX Account number : XXXX from creditor an account was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off account must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MD)

I had my loan transferred from XXXX to PHH ( www.mortgagequestions.com ) on XX/XX/2019 and closed on my property XX/XX/2019. Title company sent payoff ( amounts given by XXXX because PHH did not have my account on file and stated takes 7 days to create one ) on XX/XX/2019 via wire to PHH. On XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I called PHH to find out why the account still has a balance with the payoff sent on the XXXX and every single time I am put on hold for more than 30 minutes by the representative that they will look into it and then the line gets disconnected. Sent email via their contact form on XX/XX/XXXX and still no response. 

This lender ( PHH ) would not provide any information and I am worried that will get assessed fees, ruin my credit, and there are issues with the wire payoff. It is very frustrating not being able to get information on something that can affect someone financially and the lack of accountability and professionalism from the representatives. 

The phone number I try to reach them at is XXXX. 

Please tell me how can I take care of this issue without any further complications? 

Thank you in advance
Consumer complaint received 2024-06-03
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. (TX)

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system