davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-04-27
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. (MI)

In accordance with the Fair Credit Reporting Act ( XXXX ) ( Account number 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Equifax XXXX. 
XXXX XXXX XXXX. 
XXXX. XXXX, GA XXXX Dear sir, I request that you investigate and rewrite/delete an alert in my account. Your report indicates that an military alert has been on from XX/XX/XXXX of XXXX. However, I do not have any military experience in my life, since I am a XXXX nationality ; therefore, it is impossible to be a military employee of this country. XXXX also has the same issue, and its report has the telephone number, however you do not have it on the report. I request you will provide me why your company indicate in my credit report as a military on duty. And correct the statement written in the credit report to the appropriate content, which reflect me. 

Sincerely,
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (FL)

The personal loan amount is {$14000.00}, the application loan was made in a diferent state, Im live in florida never in another state, the bank who issued the loan is Penfed Credit Union. The account has been in my credit since XX/XX/2017, I have been disputing this account since then with XXXX, nothing happened, my last dispute was placed last month, they said the information is accurate.
Consumer complaint received 2023-11-23
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)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-14
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: Experian Information Solutions Inc. (GA)

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXXXXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-23
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any accounts or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$24000.00}
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX and I am reaching out to you, because I have an issue with the way my credit utilization is being reported. My score was approximately XXXX as of XX/XX/2023 and my score is XXXX. The credit bureau stated that my credit utilization was XXXX XXXX, which is incorrect. I only charged XXXX XXXX of one of my credit cards. My other credit cards all have a XXXX balances. Per the information I received as to how to calculate your credit utilization ratio to determine your credit utilization is a follow : 1. Add up the balances on all your credit cards.

2. Add up the credit limits on all your cards.

3. Divide the total balance by the total credit limit.

4. Multiply by 100 to see your credit utilization ratio as a percentage. 

Based on this, I am using XXXX XXXX of my credit. How can my score go from XXXX to XXXX within 1 month solely based on my having a higher credit card balance on one card and no balance on all other cards. I am starting to think this is purposely happening. Some of my family is experiencing the same issues. Based on research, as long as you stay below 25 % of your credit card usage. Your score should not go down. 

Not only that, my son is an authorized user on my card, which now has decrease his score by XXXX points. 

I would appreciate your assistance in this matter, so that my score can go back to XXXX where it was. I will end up contacting my attorney regarding this, because this is not right. 

I have attached my credit score history so that you can see.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

After I filed my last CFPB complaint my servicer, Nationstar, finally informed me of the reason they were not accepting my XXXX previous submittals of profit and loss documents which was delaying my loan modification review. I sent in the new documments for review on XX/XX/XXXX but Nationstar will not verify they have received my documents. While this review process was taking place over the past year Nationstar and their Law Firm of XXXX, XXXX, XXXX XXXX have set XXXX sell dates on my property on two separate occasions. This has caused me to hire a lawyer to get the sale narrowly avoided on both occasions while my review is taking place. Furthermore my property was for sale at the time and all interested buyers pulled out once they saw the property may go to auction. It is my understanding properties under review are not supposed to have to fight foreclosure at the same time but this has happened twice now. 

Now Nationstar states I must wait for a call from the law firm XXXX to be informed of any more delays and or if they have even received my updated documents sent in on XX/XX/XXXX. I have been told this before but never received a call from this law firm just foreclosure actions. Bottom line is I am doing everything I can to file proper and timely documents for a loan modification review and in reality my documents keep expiring with Nationstar 's lack of communication and Nationstar keeps filing for foreclsure on my property with the XXXX County court system which is in direct violation of their own stated policy of not foreclosing on properties under review.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one quick silver card I had since 3 years and was using without problem ; but to my surprise recently XXXX & XX/XX/2023 there was {$33.00} & {$31.00} interest charges @ 29 %. I was out of country and didn't check the statements. I called cust service even the supervisor but very disappointed and looks they don't care for good customer service- denied to credit any of the interest charge even I made statement bal pmt of {$1400.00}. Never had this problem with other cards. XXXX is best in cust service and XXXX cards are good for when you have a request to credit either interest or late fee charges. 

So for me capital one first time interaction with this was not good and totally bad customer service. Will cancel my card and will never get in future.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 ) Sectio
n 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 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my ongoing frustration and disappointment concerning the persistent errors in my credit report, specifically related to the reporting of a late open account. Despite multiple attempts to correct this issue, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. 

I initially disputed the late open account, providing all necessary documentation and following the prescribed dispute resolution procedures. Unfortunately, despite my repeated efforts, the correction has not been implemented, and the inaccurate information remains on my credit report. 
An account on my credit report is erroneously marked as having been opened late, despite evidence of a timely and proper account initiation. This misinformation is adversely impacting my credit score and creating a misleading representation of my credit history. 

I understand that errors can occur, but the repeated failure to address and correct this issue after multiple attempts is both frustrating and unacceptable. These inaccuracies are causing tangible harm to my credit profile, affecting my ability to secure favorable financial terms and impacting various aspects of my financial life. 

I hereby request an immediate and thorough investigation into this matter. I insist on the prompt correction of the late open account information on my credit report to reflect the accurate and verified information regarding the account in question. Additionally, I request a detailed written explanation for the continued error and the measures being taken to prevent such issues in the future. 

If necessary, I am prepared to escalate this matter to relevant regulatory authorities to ensure a fair and timely resolution. I believe in the importance of accurate credit reporting for both consumers and creditors, and I trust that Credit Bureaus shares this commitment. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXXXXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {XXXX} ; XXXX XXXX  Balance : {XXXX}.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I XXXX XXXX XXXX XXXX XXXX XXXX am of XXXX XXXX, XXXX hands, and XXXX mind. I XXXX XXXX XXXX XXXX XXXX XXXX am a Private XXXX National/State Citizen and Power of Attorney in Fact of the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX I am entitled to an Article XXXX XXXX, XXXX XXXX, and XXXX. I am Entitled to Full Faith and Credit on the State and Federal Levels, Officially. My Full Faith and Credit document ( XXXX ) are attached. I am entitled to Full settlement and closure in a XXXX of XXXX if necessary in this commercial matter. My security interest is Non-Transferable, retained, and claimed. See attached XXXX ( XXXX ) and document ( XXXX ).
Consumer complaint received 2023-07-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2023 I just received an alert stating that my information was improperly used to obtain credit in my name while my transunion was locked.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$680.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
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. (CA)

these inquires are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, RI, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, RI, XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX, XXXX, XXXX XXXX Balance : {$2100.00}, XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX & XXXX XXXX XXXX : {$510.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX