davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-23
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)

I found inquiries on my report that i dont recognize XXXX Experian 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 2023-09-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-18
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. (WI)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-10-12
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 checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 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 2023-05-07
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: Experian Information Solutions Inc. (CA)

This information is incorrect there fore when they say it is reporting correctly they are be honest and they have not sent me any proof other than a computer generated letter that they send everyone I have a right to privacy per USC 1681 In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION (PA)

I've never been late or missing any payment, but just one that I was advised by the Escalation department " To be FIXED the Problem '' the situation started first monthly payment ( XX/XX/2023 ) t after realized was taken more than 15.44 % established on the contract ( Way more ) to the interest, even, when i was paying {$200.00} 0ver the monthly payment set by Regional Acceptance Corp. these days Truist Bank related. I do have emails, Documents and last statement two weeks ago, bank statements and they have every single call recorded.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sensible Auto Lending, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-13
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. (MI)

On XX/XX/XXXX I pulled my consumer report from EQUIFAX and XXXX XXXX. I noticed that an unauthorized alleged debt with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XXXX, XXXX, XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. Instead, they sent to my address a document in which appears to be a computer generated signature and an unfamiliar statement. The document appears to be typed by someone other than myself, a fraudulent signature and inaccurate/misleading information. The company XXXX has yet to respond through the Consumer Financial Protection Bureau and I am very concerned in the way this matter is being conducted. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX, Equifax or this company. This alleged debt is causing harm against my livelihood as I can not be approved for lines of credit to support my family or mortgage loans to purchase a home for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent computer generated document with information that does not belong to me, which in turn makes their " verification '' investigation null and void. I will conclude that XXXX and Equifax companies are either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
Consumer complaint received 2024-04-09
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. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I sent a billing error dispute/validation of debt, affidavit of truth, opportunity to cure and notice of default letter to Macys XXXX XXXX XXXX Citi Bank N.A XXXX over the course of several months ; They have not worked with me to reconcile my account and maintain proper procedure under federal law therefore reporting several late payments and account closure on my credit report without my consent. Because of this, I have endured great anguish and turmoil as I have not been able to handle my affairs due to the hard hit my credit report has taken. Their unfair and erroneous debt collection practices need to be punished! here are a few federal laws they have broken to start with : 15 USC 1692c 15 USC 1692d 15 USC 1692j 15 USC 1666d 12 CFR 1026.13d ( 1 ) 12 CFR 1026.13d ( 2 ) 12 CFR 1002.4 ( a ) 15 USC 6802b
Consumer complaint received 2023-11-06
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (SC)

On XX/XX/XXXX the was a Mobile deposit check that I made with chime bank for the amount of {$120.00} there was a glitch in their system I have explained this since XXXX telling them that it only released {$13.00} they told me to reach out to the issuer of check which is progressive insurance progressive informed me that the check was cleared on XX/XX/XXXX for {$120.00} they have yet to provide me with the release of my funds since I have provided this information they have lied like it was a money order they have said that again I need to get a check from progressive which it has cleared I gave them this reciept number XXXX cashed XX/XX/2023 the reference call number is Chime Re : Phone Call from User ID XXXX. 

I also want to know if I right to sue at this point. 

Thanks
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX i deposited a 3rd party check was funded but account was going to be closed. I already contacted Citibank regarding this situation me and the 3rd party already went to citibank to verify his identity to reals the funds I do have a email with you guys stating that he needs to be present with me to be able to release the funds. Now I am being told that the marker has to submit a claim to reals the funds to me I tried multiple times to get the marker of the check to file a claim with XXXX  that's where the check is from and still no response they did ask the marker to verify the check with citibank and they did with fraud department as well. I need to know where are my funds and what is the next thing to do when the marker doesn't want to file a claim with XXXX  because on there end it's been funded and citibank is holding it.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2017-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (PA)

XXXX XXXX XXXX XXXX XXXX acting as trustee continues to file fraudulent foreclosures against me with fraudulent documentation. I am attaching a copy of a brochure that they mailed to me that says that they are not a party to any court actions however, there is an impostor or XXXX XXXX  XXXX XXXX is the one committing fraud and trying to steal my house. XXXX XXXX acting as Trustee is either doing this or they will need to become involved in order to stop an impostor who is acting illegally in their name. I am attaching some of the fraudulent documents that are being claimed to have been filed by the trustee. The case can be found online at https : XXXX and attached you will find 2 fraudulent mortgage assignments that this impostor or XXXX XXXX XXXX XXXX XXXX have filed in fraud. The first assignment has proof from the attorney general 's office to prove that the assignment is forged and fraudulent and the last assignment is a prime example of robosigning because it states the alleged assignee on the first page and then on the second page the robosigner types the assignee name as another party not involved in the chain.
Consumer complaint received 2024-03-18
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. (NY)

To whom it may concern : I received a copy of my experian, XXXX, XXXX credit report, and noticed XXXX late payments that need to be deleted. It is as follows : Creditor Name : XXXXXXXX XXXX Account number : XXXX Creditor Name : XXXX XXXX XXXX  Account number : XXXX Your agency has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below.

15 USC 1681b ( 2 ) - permissible purpose of consumer reports. THE LAW CLEARLY STATES : IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 


I did NOT give your agency written authorization or written instructions to report this information. 

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

Experian, XXXX, and XXXX have violated my consumer rights as well, which is noted below. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have committed aggravated identity theft, because I did not give them written permission to report this information. Which is a violation of 15 USC 1666b.

15 U.S Code 1681a ( 2 ) ( a ) ( i ) Definition ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You're not following federal laws and that's a violation. It clearly states that with this law as well, I am demanding you to delete the above late payments from my consumer report. 

You have 14 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages. 

Best regards, XXXX XXXX
Consumer complaint received 2023-09-25
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. (NY)

This is my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
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 first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$65000.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance : {$65000.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX BANK Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$65000.00} XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX