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 want the following inquiries removed from my file. These are not mine and I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiries. 

XXXX XXXX  XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX ( XX/XX/2023 XXXX XX/XX/2023 )
Consumer complaint received 2017-09-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (NJ)

I was sent a pre-qualified offer for a personal loan by Sofi. When I created my account and requested a rate, one was provided to me and i was prompted take next steps including a hard inquiry on my credit. 
On first application, I provided following documents : 2 Most recent pay stubs Copy of my XXXX XXXX Application was denied as Sofi responded that they can not verify my employment I applied again and provided following documents : Copy of 2016 XXXX 2 most recent paystubs Copy of My XXXX XXXX Again Sofi declined the loan citing " unable to verify employment '' One of Sofi underwriters viewed my XXXX profile as well. 
I called Sofi and was told following WE CAN NOT PROVIDE YOU DETAILS OF WHY WE CAN NOT VERIFY YOUR EMPLOYMENT. Keeping in mind that i provided my SSN, employer 's EIN and most recent XXXX, it is very hard to imagine how Sofi would fail to verify employment. 
I got my employer on the phone with Sofi. We were advised to open a third application so Sofi can look into it. 
I followed their advice and opened a third application. This time I called Sofi every day when the application was in review, notating on the case that if Sofi is having difficulty in employment verification, reach out to my employer. I was assured that it will be done. 
But the application was declined again, citing inability to verify employment. 
At no time an attempt was made to reach out to me or my employer verify.
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 am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the accounts listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to these accounts. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-20
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-02
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: EQUIFAX, INC. (LA)

The inaccurate information was not updated on my mortgage balance after I sent supporting information indicating the correct balance. 

Balance : XXXX First sent on XX/XX/2020 2020
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE REMOVE ALL THE FOLLWING UNAUTHORIZED FRADULENT INQUIRIES FROM MY ACCOUNT - 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 IAM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL OF THE UNAUTHORIZED FRADULENT. I have filed a police report
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently file an complaint with the 3 credit credit Agencies along with XXXX in regards to my rights under the Fair Credit Act, and has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1681 sec 602a States I have the rights to privacy. 15 U.S.C. 604a section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. I feel my rights have been violated and therefore would like this information to be removed from these agencies. In the information that I have attached below, it will show that I have went through the proper channels to prove that this is unfair and the information is proved to be unverified.
Consumer complaint received 2024-03-20
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (AZ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (AZ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AK)

I think 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, and it's making me feel uneasy.
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. (SC)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

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 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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Academy Mortgage Corporation (CA)

I closed escrow back in XX/XX/2016. My lender knew that I planned on selling the condo after a few years. She ordered my private mortgage insurance ( PMI ) for me which i opted to pay a one time fee of a little over {$5000.00} for a 5 year period. I ended up selling the condo after 2 years and 4 months leaving 2 years and 8 months of PMI unused. After closing I called the PMI company and they said my lender ordered it as a non refundable PMI. When I have clearly talked to her about this. Since this has come to my attention I tried calling her at her old company phone number and it is forwarded to her new company. Which she never answers. When i tried contacting her old company Academy Mortgage, all I get is the run around. I have contacted them about 6 or 7 times. Called 5 or 6 times only to get thrown to different peoples voicemails with no call back. I then resorted to emailing, i got responses and promises of call back and have not gotten anything from them, nor an email back or call in over 9 days. When i asked for the president of the companys email they just push be back to someones admin. I am getting no where with this company and it is extremely frustrating. I will never deal with this company ever again, they are completely rude and unaccomodating.
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
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. (MS)

XX/XX/year> XXXX CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely.

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report.

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Consumer complaint received 2018-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and Trans Union regards inquires that are reporting to my credit report that occurred before I became XXXX years old. I turned XXXX on XX/XX/XXXX. XXXX  stated that I was born in XXXX, therefore I submitted DL, birth certificate to validate my dispute. Upon receipts on documents they stated that they could remove the inquires I did understand because I was told by a agent that they will be removed. Ive reached to companies listed below, there unable to locate An application with my name on it. They stated they would forward documents over to credit agency and I. I have not receive documents nor have inquires been removed.
Consumer complaint received 2024-04-10
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. (CA)

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 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Hello I was born with a XXXX sister by the name of XXXX XXXX. Our social security number is XXXX digit different and her information appears on my credit report. Right now it is a delinquent account : XXXX XXXX thats been reporting on my credit report and it doesnt belong to me. It belongs to my XXXX. I XXXX XXXX do not have an account with XXXX XXXX. 

Please erase the XXXX XXXX account off my account asap.
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. (MA)

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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I am writing to express my frustration and disappointment with the handling of the correction process for a late open account on my credit report. Despite my initial efforts to rectify the situation, the inaccurate information persists, necessitating a second attempt to correct the record. 

To my dismay, the correction process failed to resolve the issue, and the inaccurate late open account remains on my credit report. This oversight has had adverse effects on my credit standing and has undermined my efforts to maintain a positive financial reputation. 

As a result, I am compelled to submit a second dispute in the hopes of finally rectifying this error and ensuring the accurate reporting of information on my credit report. I have attached copies of all relevant documentation, including statements and correspondence with the creditor, to support my claim and expedite the resolution process. 

I urge your agency to prioritize the prompt investigation and correction of the inaccurate late open account on my credit report. It is essential that all necessary measures are taken to ensure the fair and accurate reporting of information to prevent further harm to my creditworthiness and financial standing. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance Owed : {$20000.00}.
Consumer complaint received 2023-08-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (NV)

Hello I have called twice XXXX XXXX to request a copy of the original email that was allegedly sent to my email on XX/XX/2023 notifying me about the debt. If it was indeed sent on XX/XX/2023 I was not given the 30 day window for me to dispute, verify or pay the debt before it was reported to the credit bureaus. I am requesting a copy of the original email containing the notice with the to and from sections.