davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is inaccurately furnishing information to XXXX and Experian who are reporting onto my consumer report. This is causing me significant damages as I have repeatefly tried to get this information updated to reflect properly. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Paid -- Closed Last Payment : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
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. (FL)

In accordance with the Fair Credit Reporting act 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 account without my written instructions
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. (TX)

I noticed a few months ago there was an inquiry to my credit by XXXX XXXX. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with XXXX Experian and XXXX. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.
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. (VA)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.
Consumer complaint received 2023-08-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (FL)

On XXXX I signed up for a Loan with OneMain Financial for XXXX and they told me that they will pay two of my credit cards ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), I sent to them both of the Statements. They sent both of check supposedly to the address shows on the statements. XXXX XXXX XXXX  check arrived within 10 days and was cleared, the XXXXXXXX XXXX  after two months check never arrived and after back and forth they sent me the check and I told them was made to a different Company and they claim that was the same on my statement and I told them that they don't have another name, the company they made the check to is a telecommunications company nothing related to the credit card, I see this a a fraud.
Consumer complaint received 2023-09-22
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

Upon facing unemployment, I encountered difficulties in servicing my monthly financial obligations. In an endeavor to rectify the situation, I initiated communications with the credit card institution with an intent to negotiate a settlement that would allow for more manageable payments. However, with each discussion, I was met with a different justification for why such arrangements couldnt be accommodated. I was informed about a hardship program the institution had in place, which I pursued with the aspiration of settling my debt with them. Despite my repeated attempts, the institution consistently rejected my propositions to settle the account. The sole resolution offered entailed adhering to a month-to-month payment schedule, which would inevitably extend beyond the initial promotional interest rate period. 

Upon the expiration of this promotional period under the hardship program, not only would the outstanding principal amount be due, but the accumulated promotional interest would be capitalized, exacerbating my financial encumbrance. In an attempt to avoid the accrual of additional interest, I proposed to settle the outstanding amount using another credit card. This proposition was declined due to certain purported regulatory restrictions. My primary objective was to ameliorate my financial position by extinguishing this debt, thereby circumventing further interest capitalization. However, the institution seemed fixated on prolonging a payment schedule that would yield them additional interest revenues, contrary to my interests of achieving a swift and less onerous settlement. The inflexibility exhibited by the credit card institution impeded my efforts to ameliorate my financial circumstances, thereby leaving me ensnared in a protracted monthly payment arrangement, which I found to be quite unfavorable.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (CA)

I am writing to file a complaint against Experian for including a fraudulent account in my credit report. The fraudulent account is with XXXX XXXX XXXX and has been wrongly associated with my identity. I have never leased a vehicle from XXXX XXXX XXXX, and this account results from identity theft. 

I urge you to initiate an investigation with Experian to immediately remove this fraudulent account from my credit report. The account is causing significant damage to my credit score and preventing me from accessing the credit facilities I need to manage my financial affairs. 

Furthermore, I believe XXXX XXXX XXXX must be held accountable for committing fraudulent actions. Despite being aware that this account results from identity theft and not belonging to me, XXXX XXXX XXXX claims I leased a vehicle from them. By doing so, they are aiding identity thieves in committing fraud. 

I request that you take swift action to address this matter and ensure that Experian removes the fraudulent account from my credit report. I also urge you to investigate XXXX XXXX XXXX ' role in this matter and hold them accountable for their actions. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-31
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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. (NY)

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 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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. (CA)

IN ACCORADNCE IN THE FAIR CREDIT REPORTING ACT. THE LIST OF THE ACCOUNTS BELOW HAS VOLIDATE MY FEDREALLY PROCTECTED CONSUMER RIGHT PIRVACY AND CONFIDENTAILY 15 U.S 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C1681 SECTION 602 A 15 U.S.C 1681SECTION 602 SECTION 2 15 U.S.C 1681C. ( A ) ( 5 ) SECTION 15 U.S.C.1681S-2 ( A ) ( 1 )
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

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 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I filed a complaint to XXXX XXXX and Experian asking for proof of my approval of my debt being sold to XXXX XXXX. This was was never supplied and Experian stated the information and debt was accurate. This is illegal as XXXX is not even a NY company and there is no proof of my permission to sell my debt. I need this removed from my credit report and as I asked for prior, a {$1000.00} for violating my rights. There is an open lawsuit by your company against XXXX recovery for doing exactly this.
Consumer complaint received 2023-12-03
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2023-09-22
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. (IL)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Address and Phone numbers on my credit report are not accurate. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Never lived at this address. 

Phone Numbers- Have no knowledge of these phone numbers. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NV)

My phone was stolen, and the individual who took it used my Citibank account to send XXXX transactions to an unknown recipient. Despite my repeated attempts to dispute these transactions over the course of a year, I have not received a resolution. A customer service representative from Citibank has informed me that unless I provide information about the perpetrator, Citibank was going to deny my claim. I still haven't received reimbursement for the stolen funds. 
Additionally, the theft of my phone has resulted in me becoming a victim of identity theft.
Consumer complaint received 2018-12-26
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: DISCOVER BANK (CA)

On XX/XX/XXXX a payment was made in the amount of {$570.00} to a merchant called XXXX XXXX XXXX XXXX. I purchased a 13 hour massage package that had no expiration date, which I had previously purchased several times before. On XX/XX/XXXX a dispute was filed with Discover Card regarding the abrupt closure of the company. All necessary steps were taken to provide proof that the merchant went out of business. I provided screenshots from other XXXX members regarding their similar situations, and I provided a copy of the Notice of Abandonment Civil Code Section 1951.3. On XX/XX/XXXX I was apparently sent a notice regarding the decision to favor the merchant. However, I do not recall receiving it so I found out today after looking through my statements and unable to find out any information from my current account on XX/XX/XXXX that it was ruled in the merchants favor because Discover was unable to dispute the charges.
Consumer complaint received 2023-11-02
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. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX 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 2024-04-19
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. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had three late payments on an account that i was in fact paid on time. The consumer reportina agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the Following dates ( XX/XX/2022 ) ( XX/XX/2022 ) ( XX/XX/2022 ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TN)

I am very concerned with this mortgage company. The first loan was paid in full and even lien's were paid. One reporting agency is stating that the loan is closed and the other is stating that it is not. I went through a Deed in Lieu procedure and even closed on the property at the bank,  XXXX . Please have the reporting agencies remove all late dates and times from their reports.  XXXX  and  XXXX . Furthermore, please have Nation Star report this correct closing and no late payments to my report. That is the fair resolution.


NATIONSTAR MORTGAGE LLC # XXXX 
  XXXX   XXXX   XXXX   XXXX    XXXX , TX  XXXX   (   XXXX  )   XXXX   
Date Opened:  XX/XX/XXXX  Re sponsibility: Individual Account
Account Type: Mortgage Account
Loan Typ e: CONVENTIONAL REAL ESTATE MTG Da te Updated:   XX/XX/XXXX  
Payment Received: $ XXXX 
Last Payment Ma de:  XX/XX/XXXX  P ay Status: >Account  120  Days Past
Due Date<
Terms:  XXXX  per month, paid
Monthly for  360 m onths
>Maximum Delinquency of 120 days in  XX/XX/XXXX  f or   XXXX   and in   XX/XX/XXXX  fo r  XX/XX/XXXX <
High Balance: High balance of   XXXX    from   XX/XX/XXXX  to  XX/XX/XXXX ;      XXXX   from    XX/XX/XXXX   to  XX/XX/XXXX   Estimated month and year that this item will be removed:   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX
Consumer complaint received 2024-04-19
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. (IN)

I was trying to get a car and I realized I had damages on my credit report according to the 15 USC 1681 Law there shouldnt be any damages on my reports its an XXXX to my character.
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: Experian Information Solutions Inc. (MI)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXXXXXX Balance : {$270.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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