davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-08-29
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. (IL)

The issue is causing me significant distress and anxiety, to XXXX XXXX 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. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-03-27
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 am writing to express my deep frustration and dissatisfaction with the handling of fraudulent items on my credit report, despite many attempts to follow up and have them removed. This marks the eleventh time I am formally requesting the removal of these fraudulent items due to their fraudulent nature. 

This continued failure to address the issue is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my creditworthiness and to safeguard against potential identity theft or financial XXXX 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these XXXX  items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I noticed that i had a hard inquiry on my credit report that I have no knowledge of I called this company and gave them my information and was told that nothing comes up with my info. I would like to have this resolved and have you this company report to the credit bureaus and have this fraudulent reports off my credit report which is dated 2021
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

My loan was recently sold to Nationstar ( from XXXX ). I made my last ACH payment of {$1200.00} to XXXX on XX/XX/XXXX but that payment was never credited to Nationstar. After countless calls, including with a supervisor, this is still not resolved and my credit score may have been already hurt. Nationstar said they are " investigating '' this but they re not doing anything, t 's been 2 months now every time I call I have to start from the beginning, as if its the first time I call. On top of that, I get automated calls every morning from their computer TRYING TO COLLECT MONEY THEY MISPLACED, ITS INFURIATING!
Consumer complaint received 2023-09-07
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. (NJ)

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 are listed on my 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
Consumer complaint received 2024-03-27
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

My account is currently in administrative forbearance, which Mohela placed me in for unknown reasons. I regularly log in to my online account to check that the forbearance is still active prior to my usual payment date to ensure I don't miss a payment. I am pursuing PSLF, so this is very important. 

When I logged in on XX/XX/XXXX, my account showed a smiley face icon next to a message that informed me that my account was in good standing. My loan balance was listed as {$0.00} ( rather than the approximately XXXX XXXXXXXX it should have been ). When I tried to access information about my loan details, I was shown a message that due to the status of my account, this information could not be displayed. When I tried to view my PSLF payment tracker, this option had been removed from my account. I was shown a message that informed me that Mohela did not have any PSLF information in their system for me at this time. 

At this point, I was confused and called Mohela to try to figure out what had happened. Due to long wait times, I was given the option to have a representative call me back. When the representative called me back, I shared all of this information with him, and he informed me that my loans had been XXXX on XX/XX/XXXX. I asked if this meant they had been forgiven, and he said they had. I asked for documentation to confirm this, and he said no letter had been generated yet, but that it would be mailed to me within 30 days. This was exciting news for me, and I returned to my account several times to see the smiley face and message. 

The next day ( XX/XX/XXXX ), I logged in to my account to again view the message. Instead, the smiley face icon and message of good standing was gone. I found that the full amount of my loans ( just under $ XXXX ) had been reinstated. I was again able to view my loan details, but the PSLF tracker counts were still missing. I called Mohela to find out what happened. 

The trainee who took my call was kind, but ultimately over the course of our hour long conversation she was unable to determine what had happened. She did not see the discharge information that the representative from the previous day had seen, and she also could not see any records of my PSLF counts. She and a supervisor suggested it might be the result of a consolidation I requested in XXXX of XXXX, but that has been completely resolved since XXXX of XXXX, and everything in my account has been correct and up to date since then- until XX/XX/XXXX. Additionally, the representative I spoke with on XX/XX/XXXX said that the administrative forbearance Mohela placed me in made it difficult for her to see information about my account.
Consumer complaint received 2023-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (WI)

Try to stop the unauthorized XXXX  payments made by my XXXX XXXX XXXX, Bill Pay arrangement - was made by PNC Bank - to deliver my monthly fee payment of {$370.00} and semi- annual {$500.00} " Special Assessment '' payment on XXXX, XXXX, and XX/XX/XXXX ; respectively. For 2024, the payments would be {$400.00} monthly and {$1200.00} annually. 

My XXXX XXXX kept claiming " STOP PAYMENT '' and " REMINDER NOTICE & LATE NOTICE '', sending statements of penalties for a total of {$210.00} of which {$85.00} for non-authorized service, and {$120.00} for late payment by PNC Bank. 

By initiating the Bill-Pay arrangement, first of each month for the monthly payments, and first of XXXX and XXXX was instructed as scheduled dates of remittance. Due to the observed breach of those date I was forced to make an alternative date ~7-10 days earlier to ensure delivery on time and to avoid delay. Still that hasn't worked for PNC Bank. Hence, I find the PNC Bank is responsible to pay for these penalties ( {$120.00} ) -which they refused commenting that say its quote " Resolved, '' meaning that the consumer has to pay it. I find that to be unjustified.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (MS)

My identity was stolen in 2018. The individual that committed this crime apparently purchased a vehicle from Credit Acceptance Corp. The individual XXXX XXXX pled XXXX and went to XXXX. I have submitted all police reports regarding this crime to this company that I know nothing about. The Contract that Credit Acceptance Corp produced does not have my signature anywhere on it. It has my SS # wrong, my date of birth wrong, my address wrong, my name wrong, and my employment wrong. My attorney has written them habitually, however, IT IS STILL ON MY CREDIT REPORT! Due to this Company, my interest rates are higher for my vehicles and credit cards, can't obtain financing for a home. I have submitted the Federal ID Theft Documents, Police Report, and case number to both XXXX on 4 different occasions and XXXX AND CREDIT ACCEPTANCE CORP will NOT REMOVE IT FROM MY CREDIT REPORT.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-03-27
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. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
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 (MT)

At approximately XXXX XXXX XXXX on XX/XX/23, someone hacked into my Chime Bank XXXX XXXX ) account and made a transaction of {$4000.00} ( my entire checking account ) to a business named XXXX. Upon further research, XXXX is a XXXX and XXXX XXXX app. They changed the phone number and email address on the account to their own, which prompted notifications to me, which is how I discovered this was happening the next morning when I woke up around XXXX XXXX  MST on XX/XX/23. I immediately called the bank and they verified I was the rightful owner and unlocked the account and changed the phone number and email address back to my own. They attempted to make an XXXX grocery delivery order from an XXXX 's in XXXX XXXX but I was able to call XXXX and explain what happened. They stopped the payment and returned it to me. The phone number the hacker used was XXXX. Now, I have {$0.00} in my checking account and Chime is telling me it could take up to 90 days to investigate and resolve this issue even though this was a security breach on their end. I did not lose or misplace my card, someone hacked into my account.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Consumer complaint received 2023-09-21
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. (AZ)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I recently received a copy of my XXXX, XXXX, or XXXX credit report, and I noticed a negative account reporting on my consumer report. I did not authorize anyone to report this account on my credit report. I have called ALL the credit bureaus and let them know this account listed in the attachment below should not be visible on my report. This is illegal!!!!! Highly Unethical!!!! This is Aggravated identity theft per 18 U.S. Code 1028A! I require this charge off to be removed from my consumer report and credit report!
Consumer complaint received 2023-12-04
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. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-12-26
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus, but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2023-10-29
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)

I have four unauthorized inquiries on my TransUnion credit report that do not belong to me, and I demand it removed XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX