davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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. (NJ)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Bank # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

My father passed away XX/XX/2021 The mortgage was in his name and the payments were on the hero 's act, so no payments were being made. 

When he passed I was named the successor, Sent the bank the documents from probate, they refused them ( Confusing even the probate Judges and staff ) they opened 12 cases and kept closing them ( stall tactics ) NOW I am in loss mitigation and the foreclosure is suspended meanwhile they are actively having their Attorney move forward with the foreclosure in Superior court ( DOCKET NO : XXXX ) they are doing what is known as Dual tracking and it is not only prohibited by the CFPB it is also illegal.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (IL)

VIOLATIONS TO MY FCRA ALSO VIOLATIONS TO MY XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (MO)

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 XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXXmy 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 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 2024-03-20
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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2024
Consumer complaint received 2024-03-20
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. (MS)

XX/XX/2023 16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely.

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report.

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lending Club Corp (NY)

I had a loan that was placed 30 late in error. The company retracted and told me it would correct the mistaken 30 late notice error reporting to the credit agency. I have not seen a change. 

I called in with an attempt to pay on the above account and was told to wait, someone would contact me if the payment did not go through. 

When I called back, the payment had not processed so I paid within the grace period. 
Why did I then get a late derogatory notice sent to the credit bureaus? 
I received erroneous payment detail for customer service, representative error This is my email " Good morning, I would like to formally contest the 30-day late item posted to my credit report. 

I called in several times about this payment being applied to my account and rejecting although funds were in the account. I have never had this problem before with XXXX. I called customer service to get more answers. The first person I spoke to told me that the funds did post. I was relieved. But I received another email saying that the funds were rejected. Confused, I was told to wait and call back at a certain date and time for more answers. The day I did call back, I was told that you were still having problems with this account so I paid the entire past due on a debit card. I was ensured that no credit bureau notice would incur if I paid that day. 
If you look at my entire credit account in each credit bureau, I have never had a late payment for the entire history of all my accounts, I take this seriously. 
Please give me a one time grace and reverse the late reporting on this particular account. I have attached a pic of the credit report. 

Thank you in advance. 

XXXX XXXX XXXX ''
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

The HAMP Loan Modification I applied for in XX/XX/XXXXis yet to be resolved by Nationstar Mortgage before they changed their name to Mr. Cooper. I disputed their claims the last time they tried to foreclose on my house. My dispute then was that Nationstar Mortgage can not stop my HAMP Loan Modification I applied for in XX/XX/XXXX just because according to them the HAMP Modification Program expired in XX/XX/XXXX. If those who applied for the program before XX/XX/XXXX and in XX/XX/XXXX before the program expired in XX/XX/XXXX are still in the program, I am still in the program as well since I applied for the HAMP Loan Modification in XX/XX/XXXX, which is yet to be resolved. Nationstar Mortgage can not unilaterally resolve my HAMP Loan Modification which I applied for in XX/XX/XXXX ; it has to be resolved bilaterally.
I was surprised today,XX/XX/XXXX when I received a sale notice from the XXXX XXXX XXXX that my house will be sold at public auction at the entrance of the XXXX County Circuit Court on XX/XX/XXXX. The letter said and I quote Enclosed please find a copy of advertisement of sale as published in XXXX XXXX XXXX -- --. But I could not find a copy of the advertisement for the sale of my house in the letter as claimed by the XXXX XXXX XXXX. Also, I have checked XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXXand I could not find any advertisement of the sale to my house.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my ChexSystems consumer credit report sent to me via mail.
Consumer complaint received 2024-03-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX account # XXXX, Whose address is XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (KY)

Accounts on my credit report that I didn't Open : 1. XXXX XXXX secret {$470.00} 2. XXXX XXXX {$590.00} 3. XXXX XXXX XXXX {$600.00} 4. XXXX XXXX XXXX {$480.00} All the other accounts on my credit report were open by me. But there was also a lot of hard Inquires that were not done by me that needs to come off my credit report
Consumer complaint received 2024-03-20
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. (NY)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
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 to bring to your attention a matter of utmost urgency and concern. I have recently discovered that I have fallen victim to identity theft. Subsequent investigations have revealed that three credit card accounts were illicitly opened under my name with XXXX  XXXX XXXX, each bearing substantial balances. 

I have never been a client of XXXX  XXXX XXXX nor applied for credit cards with the aforementioned institution. I realized this fraudulent activity when I sought a loan, only to be informed by my loan officer and real estate agent of these unauthorized accounts. 

I promptly took the necessary steps to address this egregious violation of my privacy and financial security. I have lodged a formal report with the XXXX Police Department, expecting swift action and resolution. It is imperative to emphasize that I vehemently oppose any frivolous reporting of fraudulent or derogatory accounts on my credit profile, especially considering my complete lack of association with XXXX  XXXX XXXX. 

Upon meticulous examination of my credit report, it has come to light that the first unauthorized account was initiated in XX/XX/XXXX, the second unauthorized account was initiated in XX/XX/XXXX, and two additional accounts in XX/XX/XXXX. This unequivocally qualifies as identity theft, as these accounts were established without my knowledge, consent, or any legitimate association with my person. 

In light of the severity of this matter, I would appreciate your urgent attention and assistance in fixing this situation. With your intervention, the necessary measures will be taken to restore my financial integrity and absolve me of any unwarranted liabilities stemming from this malicious act of identity theft.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/XXXX I requested documentation from the creditors such as statements showing I was in fact late otherwise update this late payment to paid as agreed. 
Creditors included XXXX XXXX XXXX XXXX and XX/XX/XXXX {$510.00} XXXX XXXX and XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$12.00} XXXX XXXX XX/XX/XXXX {$79.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} After 30 days I received no updates or documentation. I again reached out via phone to all three credit bureaus letting them know I had verified letters to creditors and bureaus to which I was told they had 60 days. Which is incorrect. A cycle is 30 days for response. This has been on going with these reports for over a year. I also have security breach letters from 3 of 5 creditors during my time with account with them.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (AZ)

Received unsolicited email saying an account was opened jn my name. I did not open account. 

Sent email to XXXX per requested in email- they included this as a way to report unauthorized account openings. 

FRAUD!
Consumer complaint received 2024-03-20
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. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX XXXX
Consumer complaint received 2024-03-20
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. (NV)

I want this address removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, since I do not recognize this address and it may be fraudulent, therefore I want this address removed, I have been having this problem for a long time and no The credit agency solves it and I want them to solve it.
Consumer complaint received 2024-01-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I have two $XXXX  prepaid American Express cards that get declined anywhere I try to use them. Ive called customer service many times and all they say is try another merchant. The cards are getting declined everywhere!
Consumer complaint received 2024-03-20
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. (TN)

I told Experian reinvestigate the completeness and accuracy of the late payment on this account : Account name : XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if late payment month and days is conflicting across other bureaus. this report is in fact inaccurate and Experian did not do that thorough investigation into this account which According to XXXX XXXX XXXX XXXX, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete late payments. they are inaccurate. 

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 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2024-03-20
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I reviewed my Consumer Reports and noticed that I had 4 late payments 15 student loans on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-03-20
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)

I was notified that XXXX reported my payment as late on XX/XX/2023 via Experian. As shown, I used XXXX text payment option to pay the minimum payment for this account on XX/XX/XXXX and XXXX reported the payment late on XX/XX/XXXX. I reached out to XXXX for clarification and wasn't given any specifics as to why my payment was reported late after using the text to pay option. Please remove any inaccuracies from my credit report.