davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

Booked a car rental through XXXX, they never sent any confirmation number but they did debit my account. A few weeks before the rental date I reached out to them to request this information and they informed me that I was not in their system ( via email ). I filed a dispute with NFCU who initially credited me and had me send in the email, but their fraud department keeps claiming I didn't turn in the email although customer service can see it and I have 2 separate occasions where customer service confirmed receipt of the email on record. They closed the dispute today citing a lack of evidence. I believe their department is harassing me, either that or they're incompetent.
Consumer complaint received 2023-11-28
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. (MI)

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 XXXX05B ( 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  Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$44000.00} XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-11-28
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)

This is my several 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 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
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

i applied to apple card many times, each time they deneid saying they can not verify identity. 
company do not provide additional info or ways to rectify the situation the info on my application is correct there is nothing wrong but apple denies it i uploaded my ID and everything
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The items listed below are reported on my personal credit file and were found in my reports with XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-11-28
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. (AL)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are l

aws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-11-28
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 have tried to get this company to drop this account for around 3 years now. I am a victim of identity theft. I finally got my identity theft victim letter from the IRS which I will be attaching. Along with my FTC identity theft report which I will also be attaching to this message. These are not my accounts and I'm requesting that you delete them and all that associated with.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing about my previous attempts to address the fraudulent items on my credit report. Despite multiple efforts to rectify this issue, the fraudulent items persist on my report, adversely affecting my financial standing and peace of mind.

Furthermore, I ask for transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential.

I kindly request a thorough investigation into these fraudulent items and their immediate removal from my credit file. I have attached supporting documentation once again to facilitate the process. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the presence of a fraudulent collection account on my credit report. After a careful review of my credit report, I have identified an entry for a collection account that I believe to be inaccurate and the result of fraudulent activity. 
XXXX XXXX XXXX XXXX  PLEASE DELETTE!!! 
I want to emphasize that I have no knowledge of any such collection account, and there has been no legitimate reason for such an entry on my credit report. The inclusion of this fraudulent information is not only damaging to my creditworthiness but also inaccurate. 
I am requesting an immediate and thorough investigation into this matter, with the ultimate goal of removing the fraudulent collection account from my credit report. As a victim of identity theft, I am taking all necessary steps to rectify the situation and prevent any further damage to my financial standing.
Consumer complaint received 2023-11-28
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-11-28
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MD)

1. Payments made arent applied properly.

2. Incorrect credit reporting.

3. Credit Acceptance obscured the true cost of its loans to car buyers, leading to severe financial distress for me.

4. Aggressive debt collection tactics on loans its own systems predicted that borrowers cant afford to repay.

5. Impossible to pay off loan due to manipulative tactics to set up me up to fail.
Consumer complaint received 2023-11-28
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. (VA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to express my concern and frustration regarding the continued reporting of fraudulent accounts on my credit report, specifically with your bureau. I have previously disputed these accounts and, to my dismay, they persist on my credit report despite being removed by other credit reporting agencies. 
XXXX XXXX XXXX - XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX  XXXX XXXX XXXX .... - XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX  XXXX XXXX XXXX .... - XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Other credit bureaus have acknowledged and acted upon my dispute, promptly removing the fraudulent accounts from their reports. However, your bureau continues to report this inaccurate information, adversely affecting my creditworthiness. 
I am seeking an urgent and thorough reevaluation of my dispute with the goal of promptly removing the fraudulent accounts from my credit report. The inconsistency in reporting across bureaus is causing confusion and undue stress, as I believe the inaccuracies are hindering my financial opportunities.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Called to speak with representative at XXXX to verify details and to verify if they have received letter for disputed details from credit reporting inaccuracies. Was told that if it doesnt include ID and verification of identity, letter of dispute will be disregarded. Tried submitting details online to upload documents to possibly avert that issue. Unsuccessful with reaching representatives via phone at XXXX and TransUnion due to high call volume and continue to be rerouted to main menu automated system.

Details on report has some information that needs to be removed due to my consumer rights and would like to ensure inaccuracies are addressed regarding public record information and negatively reported accounts upon pulling credit report, it has come to my attention to that these are concerns and issues that has cause me to not be granted credit. It doesnt create an accurate and current credit picture of my situation and has caused strain in the ability to sustain basic necessities when credit extensions are needed or when it involves basic credit checks.

Letters have been redrafted and sent out, however I would like to get this issue resolved as soon as possible, seeing as how it is majorly affected my creditworthiness and ability to maintain my consumer rights.
Consumer complaint received 2023-11-28
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. (OH)

I was surprised and concerned, as I have consistently made timely payments on this account. initially contacted XXXX XXXX  ACCOUNT NUMBER ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX via phone call and email I explained that the late payment entry appeared to be an error and requested its removal. 
The erroneous late payment entry has negatively impacted my credit score, which has negative consequences, higher interest rates, loan denial etc...

This situation has also caused significant personal stress and anxiety to me due to its potential long-term financial implications.

I do not recall receiving such notice regarding the late payment reported on my account, as required by this statute. The absence of this notification is concerning and raises questions about the compliance of your ( their ) reporting practices with federal law. In light of these legal requirements, I am requesting, Proof of compliance with the notification requirement under 15 U.S.C. 1681s-2 ( a ) ( 7 ), specifically evidence that your institution provided me with the required written notice regarding the negative information furnished to the credit bureau ( s ).

A thorough verification of the late payment entry. If this late payment can not be verified, or if it was reported without complying with the notification requirements, I request its immediate removal from my credit report.

My request is based on specific provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), namely 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ), 15 U.S.C. 1637b, and 15 U.S.C. 1681s-2 ( a ) ( 7 ).

Under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), as a financial institution regularly furnishing information to consumer reporting agencies, you are required to provide written notice to the customer before or within 30 days of furnishing any negative information. This notice is critical for ensuring that consumers are aware of and can respond to reported negative credit events.
Consumer complaint received 2023-11-28
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. (CT)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MN)

XX/XX/2018 marks the anniversary of the successful completion of my loan modification with Nationstar aka Mr. Cooper. Part of the completion of the loan modification the on going late fees should have been removed and or not charged. They claim I owe {$740.00} in late fees however I disagree.
Consumer complaint received 2024-04-18
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. (TX)

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$2200.00} XXXX : XXXX Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$0.00}