davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) : In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Personal Information 1. INCORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXX - The personal information is incorrect- please remove this from my credit report immediately. 
2. INCORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXX - The personal information is incorrect - please remove this from my credit report immediately. 
Accounts 1. XXXX XXXXXXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
2. XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
3. XXXX XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
4. XXXX XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
Inquiries 1. XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
2. XXXX XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
3. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
4. XXXX XXXX XXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
5. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
6. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
7. XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
8. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
9. XXXX XXXX XXXX XXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately.
Consumer complaint received 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

My mortgage company, LoanCare, has failed to pay my property taxes. I have called multiple times since last year. I was told on XXXX different occasions that the issue was resolved. Now there is a tax sale lien on my property. I have attached a letter I am sending them as a last resort that includes all the details.
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. (AZ)

Basically, when I looked at my credit report, I found misspellings of my own name and other mistakes with my personal information. name, incorrect, unidentified past addresses, and a few difficult non-accounting queries that I'm not really sure about unsure of how to mix such a file and how it got here. I have a serious problem ; could you kindly take care of it? As All others, as far as I'm aware from reading the FTC and FCRA statutes and regulations, are false and/or I need old information removed from my credit report right away because it isn't reportable under the FCRA, as they are not precise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am currently disputing a bankruptcy item on my Transunion credit report. This Bankruptcy belongs to my father and is on my credit report. I submitted a dispute on XX/XX/XXXX and still have not heard anything back as of XX/XX/XXXX. I was asked by an agent with Transunion to open a new up a new dispute again but, I hadn't heard anythingback from my previous dispute on XX/XX/XXXX. I'm asking why is the dispute taking so long and that incorrect item be removed from my credit file.
Consumer complaint received 2020-06-01
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. (TX)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$2200.00} XXXX XXXX {$100.00} XXXX XXXX XXXX {$14000.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$20000.00}
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 

Please also stipulate for the record whether or not my loan has been securitized, and if so, the name of the REMIC/Trust my loan is bundled with. 
6 ) If my loan has been securitized, then please provide me the pooling and servicing agreement that names my loan as well as any documentation that explicitly gives you the right to service my loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from me despite my request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Grain Technology, Inc. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. I demand to know who verified these accounts, and the method of verification. I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Credit & Collection Corporation (OH)

On Friday, XX/XX/2018, XXXX XXXX called my place of employment ( XXXX XXXX  ) and demanded to speak to me. Our receptionist told XXXX that I was teaching and could not leave my class to answer the call. Our receptionist said that XXXX went " crazy '' on him because she didn't like his answer. Our receptionist said that XXXX was rude, unprofessional and would not stop yelling at him. XXXX told our receptionist that she was on her way to serve me papers, and that everyone should be prepared. Our receptionist gave me the following contact information : XXXX XXXX, ( XXXX ) XXXX, and my case number. Note : XXXX would not release the name of her company. 

XXXX called back a few minutes later and got the second receptionist at the school office. Yelling again, XXXX told the receptionist that she needed to make sure that someone was there because she was coming to serve me papers that afternoon. In fear, this receptionist transferred the call to my supervisor ( school principal ). The principal told XXXX that she would take a message. 

Given XXXX 's aggressive nature and potential hostile situation, the Principal summoned the city police to the school office!!! 

When I was called to the Principal 's office, I was met with the school principal, our Superintendent, and the city police - not to mention a few other building teachers who walked in to see what was going on. 

XXXX 's unlawful behavior caused me a great deal of humiliation and scarred my reputation that I have established in the past 22 years at the school. 

Please help me close down this unlawful company so they can not continue to ruin one 's employment, character and livelihood!
Consumer complaint received 2023-11-25
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 repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-25
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)

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 2024-04-05
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: EQUIFAX, INC. (PA)

Timely payments have consistently been upheld on this account, ensuring they never lapse into overdue status. The rationale behind reports of late payment remarks on my accounts eludes me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-04-23
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. (FL)

In accordance with the Fair Credit Report Act XXXX, Account:XXXX XXXXXXXX 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 an account without my written instructions. 

This account is fraudulent account, I did not open any account with this company.
Consumer complaint received 2023-04-23
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)

In accordance with the Fair Credit Report Act XXXX, Account:XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

This account is fraudulent account, I did not open any account with this company.
Consumer complaint received 2018-08-27
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: SYNCHRONY FINANCIAL (FL)

Good afternoon my name is XXXX XXXX someone else is using my Social Security the name is SYNCB international credit cards/ airlines as shown on my credit report. I already contacted XXXX. I fax them with all the poofs I had. But they keep coming back on my credit report with the same name. I really need a help. Thanks
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. (MI)

I am writing to formally dispute an inquiry that appears on my credit report, which I believe is unauthorized. I have no recollection of authorizing this inquiry or engaging in any business or financial transactions with those listed creditors. Those inquiry is inaccurate and is negatively impacting my credit score.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. 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, CHILD SUPPORT ENFORCEM XXXX, CHILD SUPPORT ENFORCEM 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 an 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 — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

In XX/XX/year>, I received form 1099-C from XXXX indicating that my credit card debt has been forgiven or cancelled. 

However, all 3 credit bureaus are showing owed balance and looks like XXXX did not report it
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

When NationStar ( " Mr. Cooper '' ) brought my mortgage from XXXX my monthly payment was {$1100.00}. Then they increased it to {$1200.00}. As of today, my monthly is {$1.00}, XXXX, XXXX. I did not know until I sent my regularly payment of {$1.00}, XXXX. They sent me a letter stating that payment went up and I have to send them the difference. I called them. There was an argument telling them I did not receive any notification about payment increasing. The Operator was rude and sarcastic. Next day, I called again. I demanded to speak with supervisor. None of them were available. After a week try, I got a hold on to a lady who told me she was working for escrow. I did explain to her I could not effort to pay the new monthly stating I am the only income in the house and that my wife for the past 6 years she has not been working. She sent me to another department. That lady asked me if I want a modification. I said yes and her replied was a kind of confirmation reply when she said it would be hard them to do my modification. Since two weeks passed I have been calling almost every day to have a word from the designed loan specialist XXXX XXXX or any from financial department that the modification went through. Finally, they told me to send them my pay statement, XXXX, etcetera ( enclosed ) Since XX/XX/XXXX  to XX/XX/XXXX it has been a battle between them and me. Always they are saying they need my 30-day consecutively pay statement or something else. I have seen sending all these information since XX/XX/XXXX.  I keep repeating until I receive another from department demanding a quickly reply about payment. I noticed he did not a thing about XXXX XXXX or the modification process.
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. (FL)

Good afternoon I call XXXX to report inquires that were made without my authorization. They agreed to remove the unlawful reporting. But they only remove one when in the phone I told them all the inquires. Please delete this unlawful information right away because is violation my right under FCRA Inquires dates and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-24
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. (OR)

After reviewing my submission I noticed that the Credit Bureaus stated that my accounts were properly investigated. How is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
I also noticed each agency lowered my credit scores after I filed a complaint of inaccurate and or unfair reporting/use. According to federal law and the fair credit act it is strictly prohibited to retaliate against consumers for requesting remedy or corrections to their reports. 

They also violated my rights under : 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

If these accounts and corrections are not made and removed I will be reporting you to the XXXX and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Consumer complaint received 2018-08-27
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Ameritech Financial (FL)

I signed up for what I though was a student loan forgiveness program through Ameritech financial and through my authorization have been having {$99.00} debited out of my checking account for more than 24 months. I just learned the funds are not being applied to my student loan through the Federal Trade Commission via letter and email. After confronting Ameritech about this matter, the company denied the allegations, however agreed to close my account as I wished but did not offer to return any funds that I have paid. I have since had to contact my loan servicer to bring my student loans up to date as they were showing I was in default. The company mislead me by contacting me through the mail and giving me false information as to how my student loan would be forgiven. Ameritech stated that my loan only had to be paid for 10 years for forgiveness, and if I listed family members of at least 10 people who received more than half of my support I would have an easier chance of being approved. After sending them all of my information Ameritech said I was approved, and my payments began. All of my payments were electronically submitted and my bank statements has all of the total payments.