davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
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. (PA)

I pulled my credit report. I noticed there are accounts that I did not authorize. My name is wrong. I should be listed as XXXX XXXX XXXX, instead of XXXX XXXX as to seperate me from my family members with similar names. It is listed on my identification that I have attached. It also has accounts that belong to my father whose nameis XXXX XXXX on my credit report. The following addresses do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Pa, XXXX XXXX XXXX XXXX PA. The only listed Address should be XXXX XXXX XXXX XXXX XXXX  XXXX. All other addresses and Names and accounts listed under these are fraudulent. I have contacted XXXX Experian and XXXX to have this corrected to no avail. XXXX XXXX XXXX Account, XXXX card is fradulent, and XXXX XXXX XXXX XXXX are fraudulent accounts and should be removed.
Consumer complaint received 2023-09-26
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)

I am writing to convey my profound DISSATISFACTION with your recent assertions concerning my accounts. I am REJECTING these claims due to the absence of any substantive facts or evidence supporting your allegations. Therefore, I strongly encourage you to promptly initiate a comprehensive inquiry into these matters. I demand that you expeditiously challenge these accounts and furnish me with well-documented evidence substantiating your stance. Failing to do so will leave me with no alternative but to pursue legal action to safeguard my rights and rectify this matter. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-26
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. (VA)

This is my six 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-09-26
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

Nelnet/department continues to report to the XXXX  and XXXX report. 
I place on the record under exclusive equity. Expressing XXXX. 

All documentation and application that was provided by corporations such as the promissory note and any other documents presented to me that I have completed or signed were created by an attorney. Creation of a documentation is the practice of law, the usage of the documents is authorized practice of law when it's corps to corps. Anything out of that realm is not legal. I am not a corporation. The legal decendant estate, principal/debtor known as " XXXX XXXX XXXX XXXX not me nor my name. I am a natural woman. I am the implied surety. I am bringing this claim against all parties that are engaging in misconduct and exercise of franchise. A corporation can not engage in the practice of law, by Nelnet and other corporations involved in this transaction is indirectly unauthorized practice of law. Remove your 5 XXXX  immediately.
Consumer complaint received 2024-04-01
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)

This account was charged of the following day ( XX/XX/XXXX ) but also indicating ( XX/XX/XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate Information falsely manipulates the statute of limitations. You failed to provide accurate information and your neglect has violated my rights. The Account is also indicating multiple account numbers instead of just one for this account!! I am demanding a deletion of the following account : Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-06
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. (NV)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

I was an authorized user on a credit card account from BARCLAYS which has been closed since XXXX. I reach out to BARCLAYS in XX/XX/XXXX asking them to remove this account from my credit because it has been leaving a negative impact on my credit, they sent me a letter on XXXX stating if I would like to be removed as an authorized user give them a call, which I've been trying to do up until this date but I've been unsuccessful
Consumer complaint received 2023-04-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Good Day I currently have two credit inquiries from XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ). My credit report states this is inquiry Associated with XXXX is suppose to be removed on XX/XX/XXXX and it's now XX/XX/XXXX. I'm requesting that this inquiry dated XX/XX/XXXX be removed from my credit report, along with the one dated XX/XX/XXXX because this inquiry is associated with the XX/XX/XXXX to see if my credit is in good standing. I tried calling Equifax myself and the representative stated I had to wait for system to remove. Thank you.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed 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... 

( 1 ) 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 investigation ; and Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS Inc has not provided a full accounting of mortgage loan Mortgage loan # XXXX Property address XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FL XXXX Legal description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To date, SPS, Inc. nor XXXX XXXX XXXX XXXX Owner Trustee of XXXX XXXX XXXX provided, XXXX XXXX XXXX with a copy of validation of the debt - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions I request an amortization schedule from original mortgage agreement XX/XX/XXXX and each modification. Sps has failed to provide a full accounting of loan since XXXX. I request to see how every payment made on this loan was applied to loan. This information must be made available to XXXX XXXX XXXX in compliance with federal fair credit reporting act.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-06
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. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-26
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)

My profound frustration and disappointment regarding the continued presence of fraudulent accounts on my credit report have not been adequately addressed despite multiple previous disputes. It is with great annoyance that I must once again bring to your attention the following fraudulent accounts that persistently tarnish my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts were reported without my consent and have caused severe damage to my financial standing. Despite my numerous attempts to dispute and have them removed from my credit report, your bureau has failed to investigate and rectify this issue adequately.
Consumer complaint received 2023-09-26
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. (NY)

My profound frustration and disappointment regarding the continued presence of fraudulent accounts on my credit report, have not been adequately addressed despite multiple previous disputes. It is with great annoyance that I must once again bring to your attention the following fraudulent accounts that persistently tarnish my credit history : XXXX XXXX XXXX  XXXX This fraudulent account was reported without my consent and has caused severe damage to my financial standing. Despite my numerous attempts to dispute and have them removed from my credit report, your bureau has failed to investigate and rectify this issue adequately.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-09
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. (LA)

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX 
Account/Reference # XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX All Following Accounts Listed Above 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.

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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXXredit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (TX)

I do not have a contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collect from this debt from XXXX XXXX XXXX XXXX XXXX I am not responsible for this debt from LVNV FUNDING LLC. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
Consumer complaint received 2023-09-01
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. (GA)

Equifax has removed two my education loans that was paid off and closed well over 19 years then later placed them back onto my credit report with different account numbers. This is an ongoing situation with equifax, the first is an education loan from XXXX XXXX XXXX, account number ending in XXXX, amount {$4000.00} is closed and 19 years old, the second account is XXXX XXXX XXXX XXXXAccount Number CLOSEDAccount Status Last Payment Amount 0Late Payments XXXX XXXXAge of Account Amount {$4000.00} They have failed to remove from my Equifax credit report
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kinum, Inc., Indianapolis, IN Branch (NC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.