davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am not confident that you have accurately fulfilled the guidelines of Fair credit reporting Act in executing your Investigation. You are big, fat liars! You claimed that you verified this and told me to contact the company. You claim that the court furnished and verified the information. I did as instructed and they gave me a letter claiming that they neither furnished the information nor verified the information. They are the only ones qualified to make a verification regarding this alleged bankruptcy and they did not verify. You are allowing slander on my credit report. See the attached letter from the court proving that you are allowing erroneous information on my credit report and are falsely claiming that it is verified. Your butts need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete and NOT VERIFIED! Delete this immediately Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WV)

This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Consumer complaint received 2024-06-13
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. (NJ)

XXXXXXXX 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
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-01-03
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. (TX)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX Balance : {$5600.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX : {$6200.00} XXXX XXXX XXXX XXXX XXXX : {$5700.00}.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account has two different account numbers. TransUnion - XXXX XXXX - XXXX. This isn't the only inaccurate or inconsistent as well as violations information on this account.
Consumer complaint received 2024-04-11
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. ()

It seems that once again my credit file has been compromised. Upon reviewing my records, I've discovered numerous entries that aren't mine. Given my attention to detail, I've learned that according to section 605b of the FCRA, it's mandated by law to eliminate any fraudulent items resulting from identity theft. The disputed items clearly do not pertain to me. I've enclosed the necessary FTC Report for your reference, along with the bank 's records. Kindly proceed with removing these erroneous entries. 
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 2024-04-11
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. (FL)

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS IN MYA COSUMER REPORT. 

XXXX 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


EXPERIAN : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (GA)

According to law 15 USC 1692 c ( c ), Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. Please remove all debt information from all 3 credit bureaus asap that are listed below. 

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 Credence Resource Management 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
Consumer complaint received 2017-02-02
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My mother 's reverse mortgage was sold from XXXX to Champion Mortgage company. Before Champion we paid our property taxes quarterly. Champion mortgage company insisted that we pay for the full year paying the property taxes upfront. We told them that we could n't afford to do that. Champion said they would pay the taxes upfront for the year and we would pay them back. We continued this process until they said my mother had reached her threshold and they could n't help us anymore. The mortgage was put in default. The mortgage company sent us a hardship form so we could request assistance to help us with the taxes and insurance and said it needed to be approved by XXXX. After several attempts to get some answers we were told told it was still in a processing state. We never received a response. I then contacted a XXXX counselor. spending about a hour going through their application/ check list process. The counselor had a list of less resources than I had. I had already contacted the programs she suggested. I contacted the XXXX, XXXX XXXX for Older Adults, XXXX, and many others. We are now in foreclosure. We need help. We have lived here for 49 years. My mother is XXXX XXXX XXXX with multiple medical conditions including XXXX. She receives XXXX, I am on XXXX XXXX and I have a XXXX daughter here with us. We did everything we were told to do to prevent this from happening. Since this mortgage is about XXXX XXXX XXXX, we have seemed to run out of options. There is no more equity and the monthly insurance, maintenance, other fees have eaten up the money. The mortgage is double what the house is worth. We ca n't find any help. Champion Mortgage and Nationstar Mortgage have a long history of abuse and taking seniors homes. Hundreds of complaints can be found via the internet, BBB, Consumer complaint websites etc.
Consumer complaint received 2024-01-03
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. (IL)

recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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. (VA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

The balance on my XXXX credit card is {$24.00}. 

Experian is showing the incorrect balance of {$12000.00} and has not updated the balance since XXXX XX/XX/2024. 

I spoke to XXXX on the phone and they sent the correct balance of the card of {$24.00} to Experian on XXXX XX/XX/2024. The problem is with Experian. 

I tried to open up a dispute with Experian since they have not updated the balance in over 30 days ( XXXX XX/XX/2024 ) The higher incorrect balance of the XXXX card of {$12000.00} on the Experian credit report is SIGNIFICANTLY hurting my credit score by XXXX points lower according to Experian 's own " credit score simulator '' because my credit card balances are reporting to be {$12000.00} higher than they really are. 

My current credit score is XXXX with the incorrect XXXX balance of {$12000.00}. The correct Credit Score should be XXXX with the correct XXXX balance of {$24.00}.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (PA)

On XX/XX/2024, I received to back to back emails regarding my credit karma money spend account. The company informed me that my account would be frozen with no further information. I immediately called, and while waiting on hold, less then 5 mins after the two previous emails, I received a 3rd email stating my account would be permanently closed. When I finally got someone from the bank on the line, I was informed my account was closed. When I asked the agent why, they said it was an internal decision and they had no further information. I was disconnected. When I called back and demanded to speak to someone regarding my account closure, I was told that they would issue a check after the closure process which I was told would take 7-10 business days. I call everyday, and get the exact same answer with zero email correspondence ( as promised ) from credit karma bank. On Monday, XX/XX/XXXX, I called XXXX  XXXX, the parent company of credit karma bank. After giving the woman all of my information, she said she would look into it and give me a call back. I have not received a call back. I was an account holder for 4 years, used the account on a daily basis, never had a negative balance and received direct deposits in the account from 2 sources. Account balance was a little over XXXX XXXX at time of clousure.
Consumer complaint received 2024-04-11
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. (CA)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I called on several occasions to toyota support to remove the XXXX XXXX XXXX, the XXXX XXXX, which I have not requested to put me and they tell me that they do not remove that XXXX from my bill, they have given me the number of a company I called and they say that they do not see that is toyota, I called the dealer and they tell me the dealer that is toyota who sees that in the end toyotacial does not want to take responsibility nor the dealer either and I continue charging the XXXX  every month.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (IA)

My wife and I requested a quote from XXXX for some storm doors. After the quote, we let the XXXX representative ( XXXX XXXX ) know we wanted to think about it. He asked if we wanted to apply for financing and we said we do not want a hard pull on our credit. He then offered an application we could submit and promised it would not be a hard pull. He insisted multiple times that it was a soft pull to get pre qualified and it would only turn into a hard pull once we were provided with a rate and monthly payment and accepted it. But thats not what happened. My wife and I applied together and immediately after it was approved, it pulled our credit. We reach back out to XXXX and he said he couldnt fix it. The financing they had us go through was XXXX XXXX. That is what it shows on our credit report. XXXX said they would not be able to fix it even if their representative falsely promised us that it wouldnt be a hard pull. We then reached out to XXXX credit and they told us they will not do anything or request an amendment or have it deleted because we filled out and submitted the application. This situation is completely unfair and I have had this happen to us once before and it never got fixed. I have text messages from XXXX promising it would only be a soft pull until we accepted the terms offered. We never did. Please help get this removed.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've called in numerous times only to be ignored by the XXXX agents. I've mail letters only for them to be ignored. They will not honor my request to remove fraud alerts from my credit profile. Currently unable to receive a mortgage because I have these fraud alerts on my credit profile.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-04-11
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP (CA)

I recently discovered an entry on my credit report that I was unaware of. There was no prior communication indicating that I could dispute it, and I haven't received any correspondence regarding it. The last reported date was XX/XX/2024. Despite requesting verification from the relevant party, I have yet to receive any documentation. XXXX has also not provided me with any information to verify this debt.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2023-06-15
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: DISCOVER BANK (PA)

I don't have a late payment on discover, my balance is less {$900.00} and they report {$1900.00} and wrong utilization pourcentage I have called them to fix this, they referred me to the reporting agency all XXXX bureaus did not correct it despite I sent pictures of my new balance and no late payment
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I received collection calls from Nationstar Mortgage on XXXX XXXX, 2016 at XXXX and XXXX and again on XXXX XXXX, 2016 at XXXX. The first two calls I did not answer because I thought it was a telemarketer. The final call I answered and was advised that my mortgage was 3 months delinquent. My mortgage is current, and has remained current for the entire duration of its term. After checking their records, they said the calls to me were in error and the account is current. They claim the calls were initiated in error due to my recent recast request. The Nationstar website ( screenshot attached ) also shows a delinquency. The rep I spoke with claims my payments were placed in some sort of " holding account '' due to my recast request. I requested the recast because of {$10000.00} in HAMP funds which have been paid towards my principle in the past 5 years. According to HAMP guidelines, I may be eligible for recast to reduce the payments due to these principle payments.