davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
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. (MI)

XXXX  XXXX  was open on XX/XX/XXXX amount owe XXXX .I have no knowledge of this account didnt give premission for the use of this card use or open. I would like for this account to be remove off all three of the major credit bureau immediately off transunion, XXXX, XXXX XXXX XXXX  was open on XX/XX/XXXX amount owe XXXX have no knowledge of this account didnt give premission for the use or open of this card .I would like for this account to be removed off all three credit bureaus immediately off XXXX, TRANSUNION, XXXX I have two XXXX XXXX XXXX XXXX  open without my premission one was open XX/XX/XXXX and another XXXX XX/XX/XXXX one balance XXXX and the other one XXXX
Consumer complaint received 2023-06-12
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. (GA)

It has been brought to my attention that you are not blocking files when I sent with an FTC fraud report and my Documents. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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. (NJ)

On XX/XX/XXXX, I sent A certified mail with a FTC report to XXXX, XXXX and Experian. My Experian had repo flagged because of credit acceptance have flagged the account for a repo that was closed on XX/XX/XXXX when I went on XXXX XXXX XXXX is still reporting to XXXX with payments which that is false documentation when I called XXXX XXXX is still getting a report from Acceptance saying that the account is still open on one of my other credit acceptance!! saying that it is closed the account is closed for a repossession and I asked XXXX and XXXX to remove it because I have documentation from the FTC report that account is no longer open. Which is a Violation to my consumer law.
Consumer complaint received 2024-03-22
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. (DE)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I have been disputing this collection account on my reports with Convergent Outsourcing for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

There is a pubic record that remains on my LexisNexis report. It is not me or associated with me in any way. The address doesn't match any address I've ever lived. 
This is a mix up of records and is interfering with my ability to get credit.
Consumer complaint received 2023-11-21
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)

i have submitted several complaints to you agaisnt equifax on XXXX to remove inquiies that arent mine as well as collections, i got a notce today that they fished the investagation on their website, but i have claim # XXXX that was submitted XX/XX/XXXX were they stated they were deleting said inquires then today the investagation stated they are accurate which is not true and harvest XXXX collections I have sent them certied valation letter requesting some proof that i signed this never recieved anything from XXXX XXXX until now but equifax states its accruate they arent doing there job
Consumer complaint received 2024-03-22
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. (FL)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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. (TN)

I am writing to report three fraudulent credit inquiries on my report dated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries were conducted without permissible purpose, and my attempts to seek clarification from the companies have been unsuccessful. I have also filed an identity theft report regarding this matter. I kindly request the Consumer Financial Protection Bureau 's assistance in investigating these unauthorized inquiries to protect my consumer rights and creditworthiness. Thank you.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WY)

In XX/XX/XXXX I talked to Freedom Mortgage about possible forebearance due to my health issues. Nothing was ever discussed as to what will happen at the end of my forebearance period. I had surgery on XX/XX/XXXX in which I couldn ' t go back to work for at least eight weeks. Freedom Mortgage went ahead and set me up for the forebearance until XX/XX/XXXX. I recieved a letter stating I had a certain time to pay the balance of {$5900.00} or my house could go into foreclosure if I don't call them. I called and spoke to an agent in their " forebearance group '' and had 3 choices. 1st one was pay it up front within 3 months with present monthly payments, 2nd one was payment release where its a loan modification and I start the whole underwriting and refinance to their discretion, or 3rd one was mortgage recovery advance where I pay later. 
My problem is that the agent told me I might lose the interest rate of 2.75 %, that it was totally up to the underwriter. I want to make sure that this doesn't happen as I just refinanced this last year to get the low rate. I also don't want this affecting my credit, because of the no payments for 6 months. I have sent them a {$1000.00} payment for XXXX even though it wasn't posted on my current statement. I had to call and verify it because at this point I don't trust this institution. I shouldn't have late charges either but there is {$120.00} charge on the statement as well. 
I support a family of XXXX and can't lose my home, as I have been very obedient in making payments since I have owned this in XXXX. I don't know where else to trun to get assistance in this situation. Thank you for your time..
Consumer complaint received 2024-03-22
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)

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 2021-01-14
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)

I am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX XXXX, Reported : XX/XX/2020 and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2024-03-22
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. (MD)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the listed inquiry. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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. (TX)

These following accounts furnished my information without having my written consent and according to the Fair Credit Reporting Act I have the right to privacy. please delete the following accounts from my credit reports immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
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. (NC)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MD)

My student loans were transferred to XXXX from Nelnet as part of my public service loan forgiveness. The loans were successfully transferred but upon transfer resulted in duplicate reports on my credit report. The same loans appear on my credit report for both Nelnet and XXXX. Essentially doubling the debt owed. Dispute was opened with XXXX but was not settled satisfactorily. Nelnet account shows balance as XXXX however they continue to report the prior balance to the credit bureaus. Loans have long been transferred to XXXX and forgiven and still appear. Dispute did not result in accurate reporting. XXXX was provided statement showing XXXX balance and dept of education statement reflecting XXXX. Nelnet provided outdated information.
Consumer complaint received 2023-05-07
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: EQUIFAX, INC. (OH)

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

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 consumer 's 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 consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2023-12-27
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. (TX)

These is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are being reported incorrectly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My Bank Card Balance ( cash advance ) increased from $ XXXX 27.24 % to $ XXXX 27.24 % with out any ATM transactions. The previous statements show this balance has been paid but the credit card company says that is because of payment allocations. They themselves have no clarity on what's going on as some agree with me and opened a claim that was rejected.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (TN)

These codes have violated ( 15 USC 1681 ) ; ( 15 USC 6508 ) ; ( 15 USC 6802 - 6805 ) under my fair credit act.
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (NJ)

Ladies/ Gentlemen, We were shocked when we received our XX/XX/XXXX Mortgage statement that showed an increase of our monthly Escrow contribution of {$350.00} per month. We requested that PNC bank close our escrow account and they responded with a consent form that demands {$830.00} as a closure fee. We never signed any documents with PNC as we originated this Loan through XXXX XXXX XXXX. XXXX gave the Servicing of the Mortgage to PNC in XXXX, XXXX. In our letter of XX/XX/XXXX to PNC, we requested that PNC explain the fee demand and also notified them that they owe us a refund for {$920.00} for the monthly tax contributions of {$180.00} for the months of XXXX through XX/XX/XXXX. The taxes for the year XXXX  were paid in full as of XX/XX/XXXX. ( They also owe us for the monthly Insurance contribution ) We enclosed the Townships Tax statement for XXXX XXXX XXXX along with their own PNC Annual Escrow Account Disclosure Statement dated XX/XX/XXXXXXXX  as proof that they in fact owe us these funds. The letter also requested that they explain these discrepancies so that we could execute the Escrow Account Closure Consent form in Good Faith. Their letter dated XX/XX/XXXX does not address our request for clarification nor acknowledges the refund due to us. The letter once again demands the closure fee of {$830.00} and states that they do not accept On Account Payments. We paid the XX/XX/XXXXXXXX  Mortgage Invoice at their branch office with a check that showed the separate Principal and Interest dollar amount in the advice section. ( All Documentation and pertinent copies are readily available for your convenience, in case of technical difficulties ). We Thank You very much for your assistance regarding this matter as this has caused us a lot of stress during the Holiday Season. Sincerely,
Consumer complaint received 2023-05-03
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Consumer complaint received 2023-06-06
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. (LA)

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 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

XXXX EQUIFAX XXXX It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXX XXXX  '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 

Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT 1.FAILURE TO HONOR GOD GIVEN RIGHTS {$20000.00} 2.SILENCE/DISHONOR/DEFAULT {$5000.00} 3.FAILURE HONOR/NO BOND {$5000.00} 4.USE OF STREET ADDRESS {$5000.00} 5.FAILURE TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR 6.REGULATIONS {$50000.00} 7.FAILURE TO PRESENT A INJURED PARTY {$100000.00} 8.FRAUD PER OCCURRENCE AND INCLUDES ANY 3RD PARTY {>= $1,000,000} 9.DISHONOR IN COMMERCE PER OCCURRENCE AND INCLUDES 3RD PARTY DEFENDANT {>= $1,000,000} 10.ATTEMPED EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, SSN ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000} Without Prejudice, UCC 1-308, 305 [ acceleration ] ; 104, 107 ; 3-419, 603/3-311, 109, 302, 306 ; 10-104 ; HJR 192 Treatment of credit balances. 15 U.S. Code 1666e ; 15 U.S. Code 1666 ; 15 U.S. Code 1666d ; 15 USC 1662b ; 18 U.S.C 1951 ; 31 U.S.C. 3701 ( d ) ; 31 U.S.C. 3716 ( h ) ; 42 U.S.C. 407 ; 42 U.S.C. 1383 ( d ) ( 1 ) ; 31 U.S.C. 3716 ( c ) ( 3 ) ( B )