davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Social Security Number # : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorizaton for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for the removal of the following personal information that does not belong to me as well as unauthorized inquiries and inaccurate accounts that I have listed below : The following personal information is incorrect : Name : XXXX XXXX Please Delete My name should read : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me please delete from my credit report. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me please delete from my credit report. 

My date of birth should read XX/XX/XXXX. On my credit report it reads XXXX which is a year and not a date. 

Please note I give your agency PERMISSIBLE PURPOSE to furnish the following personal identifiers ONLY : My true and correct name should read : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Social Security Number : XXXX Please delete any other personal identifiers being furnished. As a consumer, I am able to exercise my right to privacy in lieu of the Fair Credit Reporting Act. I do not wish to have any employment information furnished to my credit report. 
Please delete : XXXX XXXX XXXX from my credit report.
Consumer complaint received 2019-10-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX is reporting incorrect information on to the credit agencies. I asked for validation and received payment history that was confusing and doubling the amount owed on the account which is predatory for whom ever account it is. I told them this is not my account and they continue to report this incorrect information and has yet to provide me with what they are using to verify this account. I feel like this company is taking advantage of me and not responding to the complaint.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (TX)

Providian National Bank threatening suit on a debt that was charged off in 2004 using XXXX & XXXX ( case XXXX ) on account XXXX. Debt collector calls on an almost daily basis threatening suit and indicates this will be the last call then calls the following day with same threats. Used location service Overnight Locators XXXX XXXX XXXX as well. Calls family members and neighbors. Debtor is XXXX years and lives on social security. Please stop ALL communications immediately including telephone and letters.
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

XX/XX/XXXX : Contacted our lender, Mr. Cooper, via their online messaging center to notify them that they had the incorrect parcel number for property taxes associated with out escrow account. They responded to say they would be in touch soon. We were never contacted and no further action was taken. 
XX/XX/XXXX : Mr. Cooper paid the wrong property taxes from our escrow account Early XXXX : My wife called Mr. Cooper regarding their failure to pay our property taxes and the funds that were misappropriated from our escrow account. They said they would research the matter. No further action was taken by Mr. Cooper. 
XX/XX/XXXX : We were assessed a late fee on the late property tax bill. 
XX/XX/XXXX : Contacted the XXXX XXXX tax collector. They said only Mr. Cooper could cancel the mispayed tax payment. 
XX/XX/XXXX : I called Mr. Cooper regarding their failure to pay our property taxes and the funds that were misappropriated from our escrow account. Somebody named XXXX in XXXX Texas was going to follow up with the tax department. No further action was taken by Mr. Cooper. 
XX/XX/XXXX : Contacted Mr. Cooper again regarding their failure to pay our property taxes and the funds that were misappropriated from our escrow account. XXXX in Texas said she was submitting a request for payment to go out immediately and for a refund to our escrow account. To date the taxes remain unpaid and no refund has been received. 
XX/XX/XXXX : I began corresponding with the XX/XX/XXXX account on XXXX. I have been told they are researching the matter.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (TX)

On XX/XX/year> i send your company a dispute letter which its being completely ignored .By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. 

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

My credit was ran without my permission on or about XX/XX/2023. The company admitted to the mistake but has not returned my call regarding fixing the issue. Attached is proof, an email from the XXXX employee who ran my credit without my permission, XXXX  app correspondence with proof XXXX ran my credit without permission, and a screenshot of the hard inquiry. 

MY EXPERIENCE HAS BEEN HORRIBLE SINCE JOINING THIS CREDIT UNION, I WAS NOT EVEN PROVIDED WITH AN ADVERSE ACTION NOTICE OR NOTIFICATION OF DECISION AFTER MY CREDIT WAS RAN. THIS VIOLATES SEVERAL FEDERAL REGULATIONS of the fair credit reporting act FCRA.
Consumer complaint received 2019-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (TX)

This company Deville Asset Management is trying to collect {$10000.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Deville Asset Management with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Deville Asset Management y. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Deville Asset Management. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2018-09-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Loan is from XX/XX/2010, car was returned to creditor, loan was discharged. Tradeline should have fallen off credit reports because the debt was too old to be reported according to credit bureaus. Credit Acceptance has continued to update the debt to reflect a more recent delinquency to avoid removal from credit report.
Consumer complaint received 2022-11-22
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: KEYCORP (GA)

I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Victim of fraud, Key bank, XXXX  and other institutions, used and complied incorrect information about mw with out letting me make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to Injury to my credit report and credit score.

FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand KeyBank complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, Key bank did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score.

FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I
Consumer complaint received 2022-11-22
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. (GA)

I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance. also Unfair, Deceptive and Abusive Acts, These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 

I hereby Demand! That you XXXX cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ; These listed Violations are based on breach of fiduciary duties UDAAPs TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
Consumer complaint received 2024-03-01
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. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX credit card Company states the item is a write off with IRS in XX/XX/2022 and is currently sending me a XXXX. 
XXXX Equifax and XXXX is currently reporting it monthly as a late payment.
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (NC)

I submitted a police report and FTC to Experian XXXX XXXX XXXX unit and they had enough evidence to block account ( XXXX XXXX XXXX XXXX ) and they did but XXXX XXXX came back and stated the account was verified. so I called XXXX XXXX and they stated the account was noted as fraud. Then the rep from XXXX XXXX stated they XXXX did verified the loan was mine but the XXXX was actually talking to the man who stole my identity but never contacted me. How XXXX can you get to contact the number on the contact from XXXX XXXX that was fraudulent. They gave a loan to a man fraudulent under my name who uses a XXXX XXXX  Address and I never had owned or lived in XXXX XXXX, I live in XXXX XXXX! They have a police report and FTC report on file and I disputed the inquiry that day when the loan was given and XXXX XXXX XXXX the loan was fraud and noted. So why would they fund it. Then XXXX XXXX removed the inquiry as fraud. The XXXX with the fraud unit keeps talking to the man who stole my identity because he has the man number not mine! I will file legal suit against against XXXX XXXX, Now Experian Credit Bureau want even let me dispute it because XXXX stated they verified the account as mine, But how and why can't I disputed it again, I will file suit Against Experian if they don't fix this, I asked the rep with Experian for the verified information they got back from XXXX and the rep stated they don't have nothing except a check mark that its verified, SO they take the lenders would without proof versus mine with police report and FTC identity theft report and arrest report from they guy who stole my identity. They will get legal action if not fixed and removed
Consumer complaint received 2022-11-22
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: Mercedes Benz Financial Services (NC)

I submitted a police report and FTC to XXXX XXXX XXXX XXXX unit and they had enough evidence to block account ( Mercedes Benz Financial Services ) and they did but Mercedes Financial came back and stated the account was verified. so I called Mercedes Financial and they stated the account was noted as fraud. Then the rep from Mercedes Financial stated they investigator did verified the loan was mine but the investigator was actually talking to the man who stole my identity but never contacted me. How XXXX  can you get to contact the number on the contact from Mercedes Financial that was fraudulent. They gave a loan to a man fraudulent under my name who uses a South Carolina Address and I never had owned or lived in South Carolina, I live in XXXX NC! They have a police report and FTC report on file and I disputed the inquiry that day when the loan was given and Mercedes Financial knew the loan was fraud and noted. So why would they fund it. Then Mercedes Financial removed the inquiry as fraud. The investigator with the fraud unit keeps talking to the man who stole my identity because he has the man number not mine! I will file legal suit against against Mercedes Financial, Now XXXX Credit Bureau want even let me dispute it because XXXX  stated they verified the account as mine, But how and why can't I disputed it again, I will file suit Against XXXX if they don't fix this, I asked the rep with XXXX for the verified information they got back from XXXX  and the rep stated they don't have nothing except a check mark that its verified, SO they take the lenders would without proof versus mine with police report and FTC identity theft report and arrest report from they guy who stole my identity. They will get legal action if not fixed and removed
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (CA)

I am an XXXX  XXXX woman who was struggling to live in the cold northeast. It took every effort to make the move to my son in the west coast. I opened a new account with a local credit union and closed my account with TD Bank. Upon closing the account TD Bank informed me they would only give me an account closing statement or final account statement in person. I can no longer travel and should not have to travel to the other side of the country to get a closing statement. I am applying for low-income senior housing and they are requiring that I provide the TD account closing statement. I have talked with TD Bank on the phone several times and they insist I can only get a closing statement in person. My son says this is elder and disabled person abuse along with a volition of me being able to obtain my own data but I am unable to convince TD Bank to mail or email me the final statement. I appreciate any help you can provide in obtaining my final statement.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I took action on this XX/XX/2022 for inquiries include : Experian XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX these inquiries shall be removed according to U.S.C 15 1681c-2.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

I am a Client of NEWREZ and I was looking to do a REFI. They strung me along for almost 5 months ( XXXX XXXX XX/XX/2021 ). Once the CD was sent out, it was double what I was promised and I wouldn't sign it. They then declined my loan and told me I was high risk! I have a six figure income with a low DTI RATIO, with almost XXXX in equity in my home. I was taking a loan for XXXX and got denied after I rejected NEWREZ CD. There are numerous filing 's with the XXXX complaining about the same issues that I am dealing with from this company. There lening practices needs to be investigated, it could just be discrimination because I am a minority!
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Delete this Charge-off ( XXXX XXXX account # XXXX ) for inaccuracy because the date last active show XX/XX/2023 on XXXX, XX/XX/2023 XXXX XXXX and XX/XX/2023.
Consumer complaint received 2022-09-06
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)

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX # XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (PA)

During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.