davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-04-25
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. (FL)

I recently reviewed my credit profile and noticed inaccuracies or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- credit beaureus are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The following derogatory account allegations are either untrue, unverified, incorrect, untimely, not mine or not my responsibility, or otherwise not pro compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : XXXX- $ XXXX XXXX  andcharged off but still showing as past due. 145 % utilization showing XXXX XXXX XXXX XXXX accounts that are affecting my credit negatively after being paid in full. 
XXXX XXXX XXXX XXXX XXXX  accounts that are affecting my credit negatively after being paid in full. 
XXXX XXXX- $ XXXXCollection that is showing past due balance. 
XXXX XXXX $ XXXXCollection that is showing a past due balance.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hello, my name is XXXX XXXX. I am writing you today. Because I have been experiencing this issue for about over a year and a 1/2. I've been trying to get into an apartment with me. And my children are unable to do so Due to my credit being checked and coming up as a minor or there is an error on to my account. Giving no credit score or giving no further information. Now I have contacted all 3 bureau 's. And they are giving me the same information and I keep on coming across this problem. We're now in 2023, and I'm still experiencing this problem. I'm asking if we can please check further into this so we can get this resolved. It is stopping me from employment also and I need to be able to provide for my family, thank you.
Consumer complaint received 2017-05-22
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

My Aunt passed away  XX/XX/XXXX  . I  am co-heir to her estate. She had a reverse Mortgage on her home with Champion Mortgage.   I sent them a letter of intent that I wanted to keep the home in the family. They approved the request. But they gave me 2 deadlines :    XX/XX/XXXX    and    XX/XX/XXXX   . By    XX/XX/XXXX    the wanted a listing agreement or a mortgage approval letter from me. I sent them the appraisal and a letter explaining that the co-heir and I lived    XXXX    miles apart. We had just gotten this appraisal done as the appraisal company had a 30 day backlog. They denied the   XX/XX/XXXX   correspondence approval and said they were going to start foreclosure very soon. We have 6 months by Federal law to get to this point. It has been less than 3 months. The co-heir wants to quickly sell the place because she is afraid they will foreclose. I need the full 6 month time to gather my assets to provide the approval letter to buy the place. I need help with Champion Mortgage  Company  to give us the time allowed by law in writing.
Consumer complaint received 2024-04-19
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (MA)

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 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 2024-03-30
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. (IL)

It's my understanding that FCRA 605B compels us to eradicate any erroneous accounts from my credit report. Could you please double-check the paperwork? A few of the enumerated accounts show inaccuracies in reporting, such as incorrect amounts and dates.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I ordered an item off XXXX and returned that item. XXXX received the return and is telling me that the refund has been processed to my account but I still have not received it. I have tried to file a dispute with my bank but it keeps getting denied even though I have provided evidence from XXXX stating I returned the product and them stating that the refund was processed. The amount is {$250.00}. XXXX states they processed this refund on XX/XX/XXXX. Ive reached out to them but they say I must handle it with my bank to get reimbursement and when I do the bank denies the dispute so its just been back and forth. My bank is Chime.
Consumer complaint received 2023-09-22
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. (LA)

This is my 5th attempt requesting the removal of inquiry that I did not authorize To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauEquifax, XXXX and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 15 usc 1681 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my 5th attempt requesting the removal of inquiry that I did not authorize To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX XXXX and/or TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 15 usc 1681 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Unauthorized Inquiries 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX started in XXXX they stated we were late on payment well they actually changed due dates to make us show late twice. I tried to correct in XXXX when made aware of the issue. They said it is what it is. I had the issue again in XXXX I then decided to change lenders. The practices of XXXX XXXX XXXX are not good or moral. I have had several attempts with credit companies to have false information removed. I noticed they had a suit filed for illegal practices with XXXX which is where we obtained the vehicle loan. I am just trying to remove false information from my credit reports which has held me back for 6 yrs now. Why is this so hard. Angry and frustrated.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (AR)

I contacted GENESIS CARD SERVICES several times about these two FRAUDULENT indigo and destiny accounts on my credit report are STILL here. I have never lived at the addresses associated nor authorized anyone to open anything with my information. When I spoke to them on the phone I was very clear and told them my name and social and also made them aware my information has been part of data breaches by XXXX and XXXX. Also the account number in their responses to me is NOT what is on my credit report at all. One account shows closed the other shows open but the account numbers remain the same on all 3 credit reports in which NEITHER was opened by me. The account says it ends in XXXX from destiny card / genesis. This is unethical on their end and absolutely NOT okay. I do not know what type of company this is, but this is absolutely madness and very much unethical practices. There is no reason I should have to keep repeating myself and having foreign representatives with language barriers constantly tell me the wrong information continuously after I have very CLEAR. I am attaching EXACTLY what is on my credit reports because it seems these people are playing games with my livelihood at this point.
Consumer complaint received 2024-04-19
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. (NY)

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 2023-08-31
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. (VA)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (GA)

On XX/XX/2022 I purchased two tickets for the XXXX XXXX football game to be played on XX/XX/2022. I used my Goldman Sachs XXXX ( XXXX ) XXXX. My order number was XXXX. The purchase was made with XXXX. I received the two tickets. 

However, I was charged twice. The amounts were {$560.00} and {$540.00}. I have attempted to resolve this with XXXX XXXX ( Goldman Sachs ) multiple times. They have been unable to advised which amount is applicable to order number XXXX. In addition, they are unable to advise of any other order number or purchase of any additional tickets. I have attached a copy of the transaction as well as copies of the tickets I received. 

Their response has been a bunch of print outs of the internet with most to small to read to include instructions on how I should use my iphone.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (TX)

I am filing a complaint because my credit card was canceled because of inactivity, and I never received a notification prior to the cancellation. 

This is so unfair when a consumer has a 100 % payment history and because of inactivity Regions closes my credit card without any notification. Regions Bank has no clue as to why the credit was not being used. 

I also want to complain about XXXX XXXX that lowered my available balance excessively because of no activity, but at least they did not close the account. My credit score was lowered by XXXX  points because of this action by XXXX XXXX.

Therefore, my credit score will go down again because of a closed account. I could see the account being closed for non-payment, delinquent payments, etc., but to be closed because of inactivity is ridiculous. 

This definitely is NOT THE AMERICAN DREAM!!!!!!!!!!! 

I would appreciate a response regarding the above issues and concerns. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-12-03
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # 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 acco
unt without my written instructions.
Consumer complaint received 2023-08-31
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. (GA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-31
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. (PA)

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 2023-12-06
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)

on XXXXXXXX  i sent certified mail XXXX, XXXX, and equifax containing all the fraudulent items on my credit report. the certified mail contained the violations the credit reporting agencies are in violation of along with my signature, a notarized statement that my permission was ever given, as well as a copy of my state drivers license. title 15 us code 1682c-2 states items must be locked and removed within 4 days of receipt.
Consumer complaint received 2023-04-12
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)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$120.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$890.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$960.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}. Please update.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX  Balance : {$10.00}XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-12-03
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 am a victim of identity theft and have been filing disputes with the credit agencies. They are not attaching the paperwork I send according to the FCRA to the disputes I submit and are not sending me copies of the verification process that I request. The people I speak to over the phone don't understand XXXX
Consumer complaint received 2024-04-19
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. (WI)

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.