davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On multiple occasions I have contacted the reporting agencies on account # XXXX reported by XXXX FORMERLY XXXX the account information is inaccurate and to be removed. Charge off debts are taxable income and can not be reported on any consumer profile. This is a violation of ( FCRA ) 15 USC 1681e ( b ). Also XXXX has been informed of XXXX out of any reporting to any agency. IRS publication proves Charge offs are taxable income and income can not reflect on a consumers profile I demand immediate deletion of this account reported by XXXX FORMERLY XXXX. I have also made a complaint on XXXX with the XXXX XXXX XXXX as well.
Consumer complaint received 2024-04-29
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. (NC)

i reviewed my credit report and i seen some unauthorized auto loan, credit card and hard inquiries i did not apply for which violates my rights under 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding includes ; expect as provide in section 15 USC 1681g ( a ) ( 5 ) of title, a consumer reporting agency shall not furnish to any person a record of inquiries in collection with a credit or insurance transaction that is not initated by a consumer inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

My legal name is not recorded on my personal credit profile. The names listed on those reporting agency profiles are not me/mine. I have submitted disputes with XXXX XXXX Experian reporting agencies to no avail. Both still show some or all of the inaccuracies as AKA or other names.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Bread Financial Holdings, Inc. (TN)

This company scams though calling your phone all day., they refuse to stop calling only to get your important information.. Comenity Bank doesnt exist..XXXX XXXX I will be taking legal action to the fullest if the calls continue.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am submitting this formal grievance letter to you along with a request that you take immediate action. 
My credit is being harmed by your non-compliant, inaccurate reporting to the three major credit reporting agencies. The Fair Credit Reporting Act, sometimes known as the FCRA, is being broken by you. Fines and damages could be imposed for the infractions. I am offering you this one final chance to resolve your purported credit situation. I had already warned you in writing that you were reporting in an improper manner. Furthermore, I did include in that request the prerequisite ( s ) you needed to make sure that only compliant data is kept on file. As a result of your clearly ongoing misreporting, unethically non-compliantly reported in that it implies that my sent notice was shockingly neglected.
Consumer complaint received 2023-09-29
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX 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 2024-04-21
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. (WI)

Experian reported company .has received inaccurate information from XXXX XXXX XXXX XXXX corporation with in correct name which l have on going disputes l Have sent in copies of the bill with Names on the XXXX ( doesn't match ). XXXX XXXX XXXX XXXX has sold my name to collection companies names ( XXXX funding 2. Accounts. Whom fingers corporate.whom requested same amount money as these XXXX with is Fraud ) months has effect my credit. Score rate for months after l sent in copyies of payments. I have also disputed a company called ( Get it now ) which not hasn't changed. I paid this account off in full also provided copies on time payment. In exsperiam Credit report shows none payment instead .and consistently affect my credit rating.. My credit advisor attorney. Stated. after this complaint if non response or Change there goin to filed complaint against Experian. Credit report company. Due to on going denial on application inaccurate information not being research
Consumer complaint received 2024-04-21
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. (NY)

I recently signed up with the 3 consumer reporting agency's- Experian, XXXX, and XXXX to check my credit. While on there I noticed several violations of my personal rights including but not limited to 15 USC Code 1681b- " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. '' ( 2 ) In accordance with the written instructions of the consumer.

That is also Aggravated Identity Theft- 18 USC 1028 a so they have possession of my private information and they are also using it without my permission as the consumer. 

Also they have failed to remove false inaccurate information on my report- 15 U.S. code 1681 ( 5 ) i As a result of seeking remedy I contacted all 3 agency 's and requested to speak to their fraud department and notified each of the reporting agency 's that they were violating my rights and reminded them of their legal obligations to remove all the reports against me while stating the commercial laws as I mentioned above. 
All the following are the accounts for which I am demanding remedy. 
XXXX XXXX XXXX {$12000.00} account is paid off in full and marked as closed and still not removed. 
XXXX XXXX XXXX in the amount of {$270.00} XXXX XXXX in the amount of {$5500.00} XXXX XXXX XXXXXXXX in the amount of {$190.00}
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

I applied for a job at family dollar they did a background check when it came back it states I'm a registered XXXX XXXX.i am not! I contacted XXXX she sent me an email stating I'm nowhere in the system as a registered XXXX XXXX  also they did not hire because of what I had just did XXXX in jail for which was a closed case time served.which has nothing to do with the job I was applying.how can they discriminate against me for something I already took care of? and is over and done with.it states they can not use anything in ur background check for determining employment. But they did .and idk where or when or how that registered XXXX XXXX, not just registered XXXX XXXX  but a predator violent crime! Charge came from. I've never been charged with anything like that some one has been using my identity for a long time now since XXXX  I just saw all them charges on my XXXX account, Ive never made any of them .there is a trust account in my name that was supposed to have been given to me but my family is keeping it from me.and allowing XXXX XXXX to pretend to be me to purchase items using this account.there is also a house thst was left to me that she is living in as me.
Consumer complaint received 2024-04-21
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. (MD)

Several other people 's information was all combined on to my credit report for years and has ruined my life! I have been able to get loans and apartments so that I can get my life together and on track because of this egregious error that was not flagged and fixed before all the damage was done to my life!! There we're about a dozen different names, there where and still are about a XXXX addresses that are not mine, but now that has been addressed they just switched all the addresses to match mine so now there's about XXXX addresses that are all just the same address on my report instead of removing all of the wrong addresses they just changed the names of the addresses to fit the correct address! There is several loans in hard inquiries that should not have been on my report! That were all on there for years my life has been in shambles because I haven't been able to get anything done because of this
Consumer complaint received 2024-04-21
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. (CO)

Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and Request to Opt-Out of Future Inquiries XXXX EXPERIAN XXXX I am writing to file a formal complaint concerning unauthorized hard inquiries on my credit report, which I believe constitute a violation of my rights under several key regulations and statutes including 15 U.S.C. 1681 ( Fair Credit Reporting Act ), 15 U.S.C. 6802-6805 ( Gramm-Leach-Bliley Act ), 12 CFR 1022 ( Regulation V ), the Privacy Act of 1974, and 16 CFR 313 ( Privacy of Consumer Financial Information ).

**Violations Noted : ** 1. **15 U.S.C. 1681** mandates that consumer reporting agencies must ensure the accuracy and fairness of credit reporting, and only allow access to credit information for permissible purposes. Unauthorized inquiries do not meet these requirements and thus, represent a breach of this statute. 
2. **15 U.S.C. 6802-6805** obligates financial institutions to provide consumers with a notice of their privacy policies and practices, including the right to opt-out of information sharing. The persistence of unauthorized inquiries reflects a failure to adhere to these provisions.

3. **12 CFR 1022 ( Regulation V ) ** ensures the accuracy and integrity of information provided to consumer reporting agencies. Unauthorized inquiries demonstrate a failure in maintaining the privacy and integrity of my personal financial information as outlined in this regulation. 
4. **The Privacy Act of 1974** protects against the unauthorized disclosure of personal information held by federal agencies. While primarily applicable to government, the principles mirror my rights to privacy which are being violated through unauthorized credit inquiries. In light of the above, I am exercising my rights under **16 CFR 313 and specifically 16 CFR 313.7 ( f ) **, which support my decision to opt-out of any further reporting of credit inquiries on my credit report. This request is to ensure the protection of my personal financial information, as guaranteed by federal law. 
I demand immediate action to : - Cease all future credit inquiries without my explicit, written consent. 
- Remove all previous unauthorized inquiries from my credit report. 
- Provide written confirmation of these actions. 

Failure to address these concerns promptly will leave me no choice but to seek further legal counsel to protect my rights. Please, upon deletion, send me an updated copy of my credit reports.
Consumer complaint received 2021-04-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

In XXXX of 2020 I refinanced my VA home loan in order to take advantage of lower interest rates. My loan was previously serviced by XXXX XXXX XXXXXX/XX/XXXX, with property taxes paid monthly into escrow. It is now serviced through Lakeview Loan Servicing, with property taxes paid monthly into escrow. When I tried to file my 2020 taxes, I reviewed the XXXX from each bank, and both showed that no property taxes were paid for 2020. I contacted XX/XX/XXXX and they said that since property taxes are paid in XXXX, they did not pay them and the money went to Lakeview Loan Servicing. I have spent weeks trying to contact Lakeview Loan Servicing to find out why they didn't pay my property taxes and what happened to the {$7000.00} I had paid into escrow for that purpose. Lakeview Loan Servicing does not have a valid customer service phone line, it is completely automated and there is no way to reach a human to ask a question. There is a message system that makes it look like someone will call you, but I have submitted more than 30 messages with no response. I don't know where else to turn for help. I don't understand how the company can just not allow contact from customers and take thousands of dollars with impunity. How is that legal?
Consumer complaint received 2023-12-18
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-16
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. (CT)

XXXX. XXXX XXXX account number : XXXX XXXX. XXXX  XXXX XXXX account number XXXX XXXX. XXXX XXXX  account number XXXX XXXX. I HAVE NEVER LIVED IN ANY OTHER STATE IN THE UNITED STATES EXCEPT CONNECTICUT.

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. In addition to the statement above, the information below is incorrect.

15 USC 1681 section 602 A state I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681C ( A ) ( five ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 US C 1681s 2 ( A ) ( 1 ) A person shall not finish any information relation to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is an accurate.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-09
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. (MA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

After a home refinance, my loan was repackaged and sold to a new servicing company, Nationstar. I setup my first loan payments on a timely basis as well as an additional amount that I designated to be applied to principal on a monthly ongoing basis. Nationstar started withdrawing only the loan payment and upon calling them back they were able to get the additional principal payment setup. However, the setup was apparently created incorrectly. Although payments approximately XXXX the actual amount due were being withdrawn from my checking account on a monthly basis, they were initially incorrectly applied and then some 5 months later my wife noted that we were getting notices for late payment of the mortgage. I called Nationstar and they assured me they would rectify the problem and it would not be reported and would not affect my credit, this was in XXXX of 2015. Again in XXXX I received a notice from a credit reporting agency that my credit score was being lowered due to unpaid mortgage payments. I again called Nationstar and was again told it would be fixed. I did not follow up assuming after twice being assured it would be done, after already being assured my credit would never be touched. This past week on XXXX XXXX I was applying for a refinance of a business loan and when queried about my mortgage by the banker I went online to check my rate with Nationstar. Since my inception they added an online history of payments section and free FICO reporting. I checked my FICO and was dismayed to find that my score which is normally around XXXX or higher was now XXXX. I again called and now got very upset at the continuous lack of attention to my account and the confabulations and empty promises made my customer service agents who really did not care about my credit. I queried about my prior calls and the logs were very thinly documented with no discussions of any of the issues that they created for me. Keep in mind I have paid almost twice what was due during the past 14 months yet my credit score took a hit due to incorrect reporting of 5 months of missed mortgage payments. I am now being told by Nationstar it could take up to 180 days for the agencies to fix my score. If my interest rate on a $ XXXX refinance of a business loan is negatively impacted by this, I will have been financially damaged by Nationstar. I called my lender to find out who regulates the Mortgage Servicing Industry and found that you are the agency that does this. Please help or advise me if I have a legal case against this incompetent and uncaring organization.
Consumer complaint received 2024-04-21
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. (SC)

ILOST my wallet along with my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account 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 ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-04-21
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. (NC)

ILOST my wallet along with my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account 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 ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (KY)

Lived in an apartment that was managed by XXXX XXXX during COVID from XXXX XXXX XXXX the apartment received our 60 day notice. During our time with the apartment we fell behind on rent and entered into a payment arrangement which was paid in full by the move out date. Bank statements will be provided upon request. XXXX XXXX then proceeded to sell imaginary debt to Rent Recovery. Not one of these two parties notified me of any remaining debt after my move out date despite having my forwarding address, email, and phone number. When I asked the parties to validate the debt they refused i have been waiting for over a year to see proper paperwork. We have had this problem with XXXX XXXX in the past it is clearly a problem within the company. I have disputed all three credit reporting agencies they will do nothing and state that false paper work is valid. proof will also be given upon request. XXXX XXXX and rent recovery seem to have quite a scam.