davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MI)

Nationstar/Mr. Cooper bought out our mortgage from XXXX, which was refinanced under the Harp program. After checking with our county treasurer, they found we still owed {$490.00} on our current taxes, which they said were delinquent. Then they paid off that tax and the new taxes, which were not yet due, the total amount being {$1200.00}. We never had an escrow account after living in our home over 25 years from any mortgage lender, including XXXX which was taken over by Nationstar. We immediately paid off the {$1200.00}, to XXXX out the escrow shortage. Our outstanding mortgage amount is under {$52000.00}. Our home equity appraisal from Mr. Cooper is {$190000.00}. My wife and I own our single family condominium together. We both have an over 800 credit score, very little debt, and our joint income is over {$100000.00}. Our net worth is over {$500000.00}. Mr. Cooper is forcing us to have an escrow account, and fund it with over {$3000.00}. In addition, they will raise our monthly mortgage payment from $ XXXX/mo. to $ XXXX/mo. I appealed 3 times to waive the forced escrow, and each time was denied. I now have to look for a new loan, and incur new costs, as well as lose the Harp program. We feel this is unethical, and immoral, and want to warn others about Nationstar/Mr. Cooper and the way they do business.
Consumer complaint received 2024-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (TX)

My identity was stolen and I became aware on XX/XX/2021. My identity might have been stolen through my workplace. Employee has been terminated due to this incident and I still have a police report pending. This person XXXX XXXX requested several loans and credit cards under my name but social security, date of birth and address did not match. This person was successful with one attempt this attempt was with company Money Lion inc. unfortunately Money Lion did not even take the time to check and validate my personal information and issued a loan on the amount of {$350.00} dollars. Now that they want to collect their money they are sending letters to my correct address trying to collect debt.
Consumer complaint received 2024-05-08
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. (TX)

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. these are the accounts : XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX Name - XXXX XXXX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-02
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. (NJ)

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. 

XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 XXXX 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-17
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-05-08
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Has violated my rights 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
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Consumer complaint received 2024-05-08
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 Convergent Account # XXXX XXXX XXXX XXXX Has violated my rights 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
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-11-18
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. (AZ)

I made a request to have the fraudulent information from Ideal Collection Services XXXX removed from my credit report, made request to the collection agency and the credit bureaus, XXXX and XXXX removed the information without any questions asked, since the collection agency could not provide any evidence that the debt belonged to me, Experian still reports this debt, despite the fact that I provided the FTC report.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

A late payment was reported by XXXX XXXX to my Equifax and XXXX credit report on XXXX XXXX. I was never late on any payment with XXXX XXXX off the life of the account. I am an Authorized User on the XXXX. I would like for the late payment to be removed. 

Thank you,
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Duplicate Bankruptcy flings Entry on Credit Report Dear Sir/Madam XXXX I am writing to dispute a duplicate bankruptcy entry that appears on my credit report. Upon reviewing my credit report, I noticed that there are two instances of the same bankruptcy filing listed, which is inaccurate and misleading. I respectfully request that you investigate this matter and remove the duplicate entry from my credit report. 

Below are the details of the duplicate bankruptcy entry : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and XXXX XXXX Date of Bankruptcy Filing : XXXX and XXXX Court Name : XXXX XXXX XXXX XXXX XXXX I believe this duplication is an error, as there should only be one bankruptcy filing associated with my credit history. I have attached supporting documentation, including a copy of the official bankruptcy discharge papers, to verify that the bankruptcy was filed only once and has been properly removed. 

I kindly request that you promptly investigate this matter and remove both duplicate entry from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the above-listed contact information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-22
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (OH)

I received a call this morning, spoke to an agent and advised of the situation and what I needed to validate this debt, we hung up and 42 seconds later, she called me again to collect the debt without the information that I requested. 

I have requested this information from them since they started calling me over 2 years ago and they refuse to provide it stating I need to send them pictures and a receipt for cleaning services I paid for.
Consumer complaint received 2024-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have disputed 10 late payments with Capital One as shown in my attached dispute letter. These payments were all initiated before the due dates in 2022 but posted late due to USPS delays. Capital One has failed to correct the errors after my dispute. The incorrect late payments should be removed from my credit report. 

Report # XXXX. XXXX previously removed, but re added later.
Consumer complaint received 2024-06-21
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. (WI)

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2024-05-08
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)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CT)

I contacted this company on XX/XX/year>, And I told them that I never applied for a credit card with them, they stated ok and would make it as fraud, but I see it's still showing on my credit report. I never received this card.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX XXXXFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-08
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. (UNITED STATES MINOR OUTLYING ISLANDS)

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 2023-11-18
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: Experian Information Solutions Inc. (TX)

These accounts were open as a result of Identity theft in my name without my consent nor my knowledge. These Credit Bureau is failing to delete these items and block these accounts. Theses Credit reporting agencies is failing to comply with federal laws.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

I would like to address the ongoing issues I have been experiencing with the credit reporting agencies. I have previously filed complaints with LexisNexis Risk Solutions, XXXX, XXXX, and XXXX, providing them with the following complaint reference numbers : XXXX for LexisNexis Risk Solutions XXXX XXXX for XXXX, XXXX for XXXX, and XXXX for XXXX XXXX 

Despite my repeated efforts to resolve the matter, these credit report companies have failed to take appropriate action to address the fraudulent and inaccurate information present on my credit reports. I have encountered frustrating stalling tactics and inconsistent responses from their representatives. Despite being advised to submit my FTC report for identity theft, no meaningful action has been taken by the credit bureaus. 

As a result of their negligence, I have faced significant hassle and defamation. I firmly believe that I am entitled to fair compensation for the distress caused by these inaccuracies. I have enclosed all the correspondence I have received from the credit reporting agencies, along with my FTC & CFPB reports and identification documents. I am demanding the immediate removal of all fraudulent and inaccurate information from my credit reports.
Consumer complaint received 2024-07-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (AK)

XX/XX/XXXX paid a bill for a service i did not use. 
Received text of payment XX/XX/XXXX, received a bill stating it was not paid and an email stating it was not paid. 
I have attached my back transaction as proof of payment.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Consumer complaint received 2024-06-22
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. (GA)

Upon reviewing my credit report from your bureau, I found several inaccurate and misleading items that are damaging my creditworthiness.

According to the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance guidelines, credit bureaus are required to conduct thorough investigations into disputed information within 30 days. Inaccurate or unverifiable information must be promptly corrected or deleted from my credit report.