davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I've diligently followed the correct procedures in disputing this account. I've reached out to the bank regarding this issue, and they assured me it was resolved. Additionally, I've contacted law enforcement and submitted a report and affidavit, which they confirmed as valid for identity theft. Furthermore, I've contacted the credit reporting agencies, and both XXXX and XXXX have already removed the account as required by law. However, Experian seems to believe I haven't followed all the necessary steps. 

Specifically referencing the account with the identifier " XXXX XXXX XXXX, '' I request its deletion as both XXXX and XXXX have already removed it due to a recognized error. I'm perplexed as to why Experian still has it on record despite the removal by the other bureaus. Please rectify this discrepancy and delete it from my file, as it is inaccurate, erroneous, incomplete, or unverifiable.

Understanding the leniency towards banks and credit reporting agencies in legal matters, I refrain from pursuing a lawsuit. However, after XXXX months of submitting my claim to Experian and facing repetitive dismissals, I feel frustrated. Despite multiple complaints, Experian continues to invalidate the documents I've submitted. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly examine this case, as it appears Experian is failing to fulfill its legal obligation in processing the identity theft report, which I've filed with a law enforcement agency, specifically Identitytheft.gov.

The emotional and physical distress caused by this identity theft and the resulting lack of access to my credit are overwhelming. It's impacting both my professional and personal life significantly. I implore for urgent attention to this matter as I'm feeling increasingly overwhelmed and helpless.

Please note that I am the sole individual submitting this complaint, without the involvement of any third party. I trust that you will handle this matter with the urgency and attention it deserves.
Consumer complaint received 2023-12-13
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. (TX)

This company violated my rights to privacy and have not provided me proof of the original agreement. This has resulted in having negative items on my credit report. I gave no permission or signed any contracts.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There is a delinquent account in the amount of {$280.00}, that is being reported since XX/XX/2015 by Bank of America Missouri, to XXXX. I immediately contacted XXXX  to dispute the amount being reported once I was made aware of the negative impact on checking profile. I did not remember owing any amount to Bank of America so I filed the dispute and waited a little over 30 days for my updated results. To my surprise, the account was not removed but I was advised to contact Bank of America for further information. Well, I contacted BOA right away and spoke to many different associates, who all provided me with basically the same information. I was told that my account was archived and no information besides the fact that most of the fees were because numerous overdrafts fees were accessed to my account due to a {$9.00} balance. I was told they could not find any information on why I was being charged {$9.00} dollars but that the overdraft fees were valid and would have to be paid in full to remove this account from my profile. I do not understand how {$9.00} can result in someone being charged {$280.00}. This company can not and has not provided me with any documents stating the breakdown of the charges yet they continue to report the debt is valid. Please assist me with holding this company accountable and stop them from taking advantage of low-income individuals.
Consumer complaint received 2024-03-13
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)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts and Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-07-08
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)

There is information that is in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted but for some reason this company has been adamant about violating my consumer rights and at this point I have been suffered from extreme injury and i would like to move forward with legal actions
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Attorneys USA LLC (NE)

I received a letter stating I owed XXXX XXXX XXXX  of dollars. I have never financed through XXXX, I have great credit/financial history and they need to provide proof of when I took this loan out and how someone was able to obtain this information under my maiden name.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (CA)

On XX/XX/2018, I was notified by XXXX  that a new collection was added to my credit profile by Credence Resource Management. I had no prior knowledge of this company nor had they made any attempt to contact me via phone and or mail prior to reporting this debt to XXXX. As a result of this fraudulent collection being placed on my credit profile, my credit score was decreased by over 15 points. After being made aware of this unfortunate circumstance, I placed a call to the company to inquire about the debt and why no prior contact had been made. I requested that verifiable documents proving that I am indeed the owner of this debt be sent to me immediately and requested if that was not possible for the debt to be removed. I also followed up my conversation with a letter stating what was discussed during the phone call, which was mailed to the company on XX/XX/2018. 

On XX/XX/2018, I received a letter from Credence offering a 50 % reduction from the original balance they reported to my credit profile. This letter was sent without any validation of debt, which I request and which is illegal. I'am requested assistance with having this debt removed from my credit profile with XXXX  and all other credit bureaus.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is my second time sending a request regarding this issue. I have paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I have paid with the original creditor directly. See the attached copy of the receipt as account being paid to XXXX the original creditor.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Upon examining my credit reports, I observed an instance of a late payment on my XXXX XXXX XXXX XXXX  account # XXXX, which I have consistently maintained timely payments on. Attached are screenshots depicting the account statement displaying a late payment in XX/XX/, as well as my bank statement showing where the payment was made in full during the month of XX/XX/2023. 

Kindly conduct an investigation to verify and furnish evidence demonstrating the lateness of the payment. If no evidence can be provided, I insist that the late payment status be rectified to reflect " paid on time, '' as I have never defaulted on my payment obligations.

Thank you for your prompt attention to this matter.

[ Attachments : Screenshots ]
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

I received a notice of mortgage transferal ( selling my mortgage ) from XXXX. They are selling my mortgage to Nationstar Mortgage LLC. The mortgage sale will be complete on XX/XX/XXXX. It is now XX/XX/XXXX. Nationstar Mortgage LLC has NOT provided a service transferring notice as required by law. They are well known for making a disaster of people 's transfer paperwork, not paying insurance and property taxes out of escrow, and have horrible online reviews : unless you go to a site where they pay money to be 'verified ' ( i.e. - the site allows them to remove negative reviews ).
Consumer complaint received 2020-07-29
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-04-11
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. (PA)

I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting, inaccurate amount and dates are being reported
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 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 2023-02-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (OH)

On XX/XX/XXXX I went in to XXXX XXXX XXXX to test drive a XXXX XXXX. I asked them to get the payment less than {$400.00} & that could not be done so we said never mind & walked away from the dealership without a car. On that same day, someone else came in & purchased a XXXX XXXX XXXX at XXXX XXXX in the amount of {$26000.00}. His loan is through Santander Consumer USA. Per the dealership, something happened with his loan & he needed a co-signer, so in XX/XX/XXXX the loan was finalized with a co-signer. The loan was funded on XX/XX/XXXX. The co-signer filled out all the appropriate paperwork & is in the XXXX XXXX system as the co-signer with the main purchaser, but on their funding page with Santander it shows me on the loan with the main purchaser. Their CDK program shows the sale with the main purchaser & the co-signer. Somehow my credit profile ( credit application ) was mixed with the co-signers packet. I have called Santander & they informed me that it'll take 3-5 business days before I will even see the fraud packet in my email. I went to XXXX XXXX & spoke to 3 associates who stated they as well will contact Santander & start a fraud packet on their end. Now the Santander loan on my credit report shows the loan is up to {$27000.00}, so I fear the purchaser & the co-signer have no made a payment, so undoubtedly, it will affect my credit score. No one can tell me how this happened. The only time I've gotten an update is when I reached out, & quite frankly, I'm not the one who screwed up so I'm not the one who should be asking for updates, they should be handed to me freely.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation (HI)

I signed a lease with a credit card processing company for 3 years, I was told that the equipment lease was going to be the same number of years, but it got buried between lots of pages in the package, it started ta get scary when I made a transaction for several thousands of dollars off my client but the processing company was holding the funds without telling me, That companies name was XXXX, which was at that point not working on releasing the funds, I asked my client to call them and beg them to deposit her money on my account so I can order her products to fix her rental house, it took about a week for us to get the money transferred, I am loading copy of letter, I went ahead and stop all transactions with them, my lease was finished, it took three years then I found out that I wasnt able to finish the equipment lease, it was one year longer, besides The fact that the thermal paper was not working and I complained several times and never got any help I was ready to finish it, I packed the useless processor back to them, I upload copy of shipment and proof of receipt, furthermore they kept taking monthly payments from my business account, I got a few returned but they had no intention to stop so I had to block them off of my checking account, in exchange for my reaction they gave my a bad credit record which I want to have them removed immediately.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SG and Associates (TN)

* XX/XX/XXXX-XX/XX/XXXX I contacted the collection multiple times regarding this matter to get resolved I explain to them this was not me and never signed for the devices as well did exactly what the representative requested a police report in XX/XX/XXXX because was not acknowledged of this purchase will not take ownership of it. 

*On XX/XX/XXXX I contacted the same collection agency about this matter and tried to resolve the representative was very rude and refused to hear me out after contacting smart pay with the collection agency they informed me could not release any information because would have to be the person who owe the account and also discover they don't have photo copy of my id either that link me to this account
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Management Corporation (SC)

Receivables Management Corporation Account# XXXX  

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Grain Technology, Inc. (GA)

These accounts are continuing to report on my credit report as a charged off account, which is now considered as taxable income per the IRS and income can not be reported on a credit report. A 1099c should have been sent out, but I never received it, which is considered as tax invasion.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.