davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
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. (TN)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. I was going through my records & noticed that some items which do not belong to me were still in my credit report. Since Im a stickler for research, that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
Experian : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed XXXX {$19000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXXXXXX XXXX XXXX Owed : {$95.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Owed : {$180.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ======XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-18
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: Experian Information Solutions Inc. (IL)

In XXXX, XXXX I was reported erroneously to the credit bureaus by my mortgage company XXXXXXXX XXXX for a late or missed payment in the XXXX, XXXX and XXXX. Because this information is incorrect, I submitted a XXXX XXXX XXXX to XXXX on XX/XX/XXXX and they have refused to work with me and remove their reporting in error. Instead, they claimed they investigated and will not make any changes. This error negatively impacted me and my family with the ability for qualifying for any loans and our financial goals. To further demonstrate their error I will attach the response letter from XXXX, digital image of proof of payment, and bank statement for the the months of missed payment in question.
Consumer complaint received 2024-05-14
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. (CO)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 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 2017-12-28
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (WY)

My name is XXXX XXXX and I started a reverse mortgage application with American Advisors Group ( " AAG '' ) in XX/XX/XXXX. I believe the start date was XX/XX/XXXX. It has been over 5 months and I still do not have a reverse mortgage. I have been lied to and led on by this company. When we started this process in XX/XX/XXXX, the agent at AAG told me he would have me closed in XX/XX/XXXX. XX/XX/XXXX came and went with no reverse mortgage. Meanwhile, my present home mortgage company was calling me because I have been unable to make my house payments. 
The agent at AAG told me not to talk to my present home mortgage company. He said we would have this reverse mortgage closed before they could start foreclosure proceedings. Well, I AAG toward the end of XX/XX/XXXX and got some excuse about not closing after the XX/XX/XXXX of the month. So, XX/XX/XXXX came and went. Then in XX/XX/XXXX, AAG had me do sheetrock and painting repairs in my house. The agent at AAG told me to just hang some sheetrock and paint. He said we could get this reverse mortgage done after that. I called the agent the first week of XX/XX/XXXX and he told me we were just days away from closing. About three days after that, they came back with another repair I had to do. I had to put covers over some outlet boxes. The agent told me to take pictures of the repair and send it to him. About 5 days after that, they called me and said they could use my pictures and would have to have the appraiser come out and take pictures, but they finally got around that. Then, the agent called me on XX/XX/XXXX and asked if I could find the phone number for the notary service we had used before. He said that we could close on either the XX/XX/XXXX or the XX/XX/XXXX if I could find the contact info for the notary. I found it and gave it to him. I also gave him a second notary contact information. On XX/XX/XXXX, he told me we would close on XX/XX/XXXX. Well, that did not happen. Now, my present home appraisal expires on XX/XX/XXXX. So, we have to get another appraisal, and who knows how long they will drag this out. XX/XX/XXXX will be 6 months of trying to get this reverse mortgage. I feel I have been lied to and led on.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (MN)

I had a Visa credit card with First National Bank of Omaha ( FNBO ), XXXX XXXX XXXX, XXXX, Nebraska, XXXX, for ~40 years and never had a late payment. On XX/XX/XXXX, my credit card was closed abruptly and without warning for " long term inactivity. '' I used the card primarily for travel and last used it in XX/XX/XXXX. I did not travel in XXXX due to COVID. I would hardly consider 16 months " long term '' and feel I should have been given warning of their intention. In addition, this is not the way a loyal, long-term customer should have been treated. I called to explain that I planned to resume travel ( and use of the card ) and request my card be reinstated. I spoke to an individual who was rude and dismissive and said the cancellation was " permanent. ''
Consumer complaint received 2019-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Not sure who used me name but these 4 accounts been opened in my name without my consent and/ or authorization. I have no knowledge of these accounts and now I'm demanding the credit reporting agencies to remove them immediately. The accounts are, XXXX XXXX XXXX {$91.00}, {$78.00}, {$300.00}, and XXXX XXXX {$720.00}. Please remove the unauthorized accounts.
Consumer complaint received 2024-05-14
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Name : XXXX
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My name is 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.
Consumer complaint received 2024-06-05
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. (IL)

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-04
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. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-31
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tower Loan of Mississippi, Inc. (NC)

I started receiving calls on my cell phone from the number XXXX XXXX a couple of weeks ago, which I ignored since I was usually at work, driving, or already in conversation. Finally one evening I received a call from this company in early evening hours when I had time to talk and find out who it was. The person was looking for someone with the first or last name, XXXX. I explained that I have no clue who this individual might be. The young man apologized and said they wouldnt call anymore. As soon as I hung up on my cell phone, he called my home phone, and again he apologized. The very next day they called again!! I repeated that I did not know this person. That young man apologized also and explained to me that they get these names from someplace online, but said I wouldnt be called again. 
I just received a call today at XXXX, XX/XX/XXXX, on my home phone from Tower Loan XXXX XXXX. 
There is another call from them on my home caller ID XX/XX/XXXX at XXXX from # XXXX XXXX and XXXX on XX/XX/XXXX from # XXXX XXXX. 
Another on my home phone caller ID XX/XX/XXXX XXXX # XXXX XXXX I have asked three individuals from this company to stop calling my numbers. I do not know this XXXX person theyre looking for and they are harassing me now. They have no intention of stopping.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am in the process of buying a home and the underwriter pulled my credit report and noticed an account that ( 1 ) is not reporting accurately and ( 2 ) is not should not be on my credit reports at all. The account is showing me to have an outstanding balance when in fact I don't have a balance at all. The consumer reporting agencies have a legal requirement and obligation to ensure that all information is reported with 100 % complete accuracy. This account does not have an outstanding balance or any past due payments. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payment and an outstanding balance. Please note that I dispute the validity of this debt in its entirety. I request verification, validation, and proof that this alleged debt and related account belong to me. Additionally, I require evidence of a contract or agreement with the original creditor, signed by all relevant parties. Your attempt to collect this debt and the money associated with it is illegal as I do not owe it. XXXX XXXX or XXXX XXXX is contractual law and requires an agreement where the non-custodial parent is enrolled into the program. Provide the contract bearing my signature between myself and the head of the XXXX XXXX XXXX or XXXX. Without a contract, there is no legal duty. It is unlawful to advertise any debt to coerce payment. Cease harassing me as it is severely impacting my XXXX health. I am disputing the following account : XXXX - XXXX  Attorney General ( XXXX XXXX ). 
This is an official dispute of this account, and I demand the deletion from my consumer report. Again, I do not believe that I owe this money for the above-mentioned reasons. I paid it in good faith as it is currently prohibiting my family and I from purchasing a home for us. Attached is proof of payment in the form of a money order and a receipt from the cashier of the XXXX XXXX XXXX XXXX XXXX XXXX. If the information can not be verified according to the law, I demand this account be permanently removed immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

I reached out to the Creditor During the Covid Pandemic to let them know I'd lost my work and source of income during the Pandemic. I was denied the removal of these lates during a time when the Creditor knew I was unemployed. As per the Cares Act, Lates which resulted from the Covid 19 Pandemic were actually forgiven during that period. 

The Creditor Did not honor this and continued to mark my account as derogatory which they later FROZE and made unusable once I paid it off. I wasnt warned about the freeze when I made the arrangements to pay, even when I made arrangements to repay the account I was marked as Late and derogatory. 

Which shows the creditor was not Compliant with the Cares Act resulting from the Covid-19 Pandemic.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I faxed a letter as initially directed by customer service requesting my PMI cancellation because it is meeting the ratio required. I make my payments on time, make extra payments and I have no junior loans. The Federal Reserve has the Homeowner 's Protection Act which states that in the case of a refinanced loan the " original value '' is interpreted as the appraisal used at the time of the refinance. I do not feel I should need to pay over XXXX dollars for a new appraisal when the Act states that the ratio is based on the original value/ appraisal. I called two hours later to confirm if fax was received. They said they have their own procedures, requested I fill sign their ( PMI Removal form " immediately '' ( which had a built in consent to pay for appraisal that I did n't see ) and to fax it to a different number. After debating the legality of their " required '' appraisal and fee, the employee XXXX XXXX then they said they are referring the matter to their PMI department and they will call me back in four days. I sent them the request, the appraisal, and I also sent the section of the Homeowners Protection Act pertaining to refinanced loans. I spoke with XXXX separate people and it took hours. Both women had heavy accents that were unintelligible. I have never received documentation from this company on PMI cancellation, nor is it visible anywhere in their website.