davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
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)

In XXXX - XX/XX/XXXX my credit score dropped significantly due to an individual named " XXXX XXXX '' being added to my Experian Credit Report. I attempted multiple times to contact Experian to correct this problem. I also send Experian two letters detailing the problem. In XXXX I received a letter from XXXX whom I have a consumer credit card indicating that they were dropping my credit limit due to XXXX XXXX being added to my credit file. I then filed a complaint here with the FTC and a week later I received a call from Experian and explained the problem ( asked them to remove XXXX XXXX from my file ). Again in late XX/XX/XXXX ; I asked Experian to fix this problem. Finally, in midXXXX XXXX I did receive e-mails from Experian indicating they had taken action. On XX/XX/XXXX, I received notice from XXXX XXXX that they reduced my credit limit due to Experian erroneous credit file. This morning I received three calls from collection agencies asking to speak to XXXX XXXX. The number the collection agencies are calling is my business line. Dear XXXX please help me by telling Experian to fix this! No one answers the phone when I call the number as the only option available is to order a credit report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in XXXX my XXXX account was breached, when all passwords were published on the web. this gave a hacker  access to all of my accounts which had the same password. someone used my info to open multiple accounts, rent an apartment, take payday loans, and many things. end result, they tried to file a bk with my name spelled wrong, wrong address, and it was dismissed due to not being able to authenticate identity and no follow up. this has been on my trans union report since XXXX and has kept me from being able to buy a house or obtain credit. XXXX XXXX was the trustee  at the BK court I have reached out to US Trustees office, trans union, BK XXXX, XXXX XXXX, all to no avail. I have the police report, notarized affadavit of fraud, proof of real identity, and no one responds. I just inherited a house and need to refi and can not although my credit is perfect this " dismissed/ invalid '' BK  on my trans union report only ( not on XXXX or XXXX ) is keeping me from doing so. 

The case number is XXXX listed under XXXX XXXX my name is XXXX XXXX
Consumer complaint received 2021-01-12
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. (FL)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (PA)

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 2021-01-12
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: I.C. System, Inc. (FL)

I.C SYSTEMS PROVIDED AN ATTACHED ACCOUNT OF VEFIFICATION FROM XXXX. CLAIMING IT TO BE VALIDATION OR TRYING TO MAKE IT LOOKS AS IF IT WAS VALIADITION FROM I.C STSYEM TO COLLECT SAID DEBT. WHICH IS NOT WHAT I REQEUESTED OR ASKED FOR. I ASK FOR PRROF OF CLAIM AND A ORIGINAL CONTRACT WITH MY SIGNED NAME BETWEEN ME AND I.C SYSTEM. THIS COLLECTION COMPANY DOES NOT HAVE VALIDATION OF AANY SUCH THIS TO CONTINUE TO LEGALLY ATEMPT TO BOTHER ME.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

On XXXX I requested a Mortgage Payoff Statement from Flagstar Bank. 
I was on a telephone call with there customer service representative at the time and the report was emailed to me. I paid the final payoff amount of {$21000.00} from the statement with the representative over the phone via my checking account and was told I was all set. 

At the end of XXXX I started calling asking why I had not received any paperwork regarding my mortgage release as paid in full. I have since spent many days and hours on the phone with Flagstar Bank who has admitted to two internal errors but they never seem to be able to rectify them and tell me to be patient and promise they'll be corrected. 

This has escalated to collections calling me now and my repeated attempts to contact Flagstar Bank by email and phone are ignored. 

My year end statement for tax purposes will be incorrect and they are going to ruin my credit which has essentially been perfect leading up to this. This bank expects the customer to deal with their internal errors! 

Please help! Thank you.
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Auto Finance helped my daughter apply for COVID payment relief due to a loss/change of job. Her payment due on XX/XX/XXXX was paid on XX/XX/XXXX, On the XXXX of XXXX she applied for COVID payment relief for three months, while she was looking for a new job. She had not heard from anyone until Wells Fargo started calling requesting payment, which she thought was covered in the COVID relief. In XXXX, my daughter made 2 car payments, one for XXXX that Wells was saying is late because her COVID relief never came through. Once, I found out about this on XX/XX/XXXX, I paid 3 months car payments ahead to give her the relief that the bank was supposed to in the first place. I have completely exhausted my attempts with wells fargo to try and mediate this situation. Called numerous times, there phone system is TERRIBLE. I was hung up on 4 times after being on hold for over 45 minuets. Over many days I continued to call and kept getting escalated to a new supervisor. Finally I was able to open a case ( Case # XXXX XXXX I have been dealing with this for a couple of weeks now. Someone always says they will call me back and never do. They say they need to listen to the recording of the conversation, one person says they see the convo and it needs validated and the other employee says they cant find it. I don't trust the bank or their phone system. My thought that COVID relief is required by banks to help people through their struggles especially a kid. Im a cosigner on this account for her and believe that she has been overlooked and bullied as a big bank will not even giver her the time of day to respond or take her case seriously.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 2023-07-05
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: Experian Information Solutions Inc. (NM)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX 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 2023-01-03
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: EQUIFAX, INC. (NV)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XX/XX/2022 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

Previously disputed account through CFPB reference # XXXX asking to verify or delete. Results came back with a bill statement, this is not verification it does not show my signature nor proves account is mine. Account was previously reporting with XXXX at the time of complaint with CFPB. XXXX and XXXX had already deleted now XXXX has deleted and XXXX and XXXX are reporting again. 

Reporting inaccurate stating account open with XXXX while XXXX reports closed status. XXXX is stating open while in collection and derogatory all at the same time. Both bureaus report dispute status as account not disputed yet show remarks of dispute resolved customer disagree. 

I do not recall having this account open and Portfolio RC has not verified debt being claimed. 

Account is a mistake itself.
Consumer complaint received 2023-05-26
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. (KY)

I have 3 unauthorized Inquiries on my credit report I need them to be remove from my credit Credit report I dispute them with EQUIFAX they refuse to take action, theses 3 inquiries is fraudulent I need them to remove from my credit report as soon as possible the creditors name are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
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. (OH)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.
Consumer complaint received 2023-05-26
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. (IL)

ubject : Method of Verification Request for Disputed Account Dear Sir/Madam, I am writing to dispute the accuracy and validity of an account listed on my credit report. According to my records, the account in question does not belong to me, and I am requesting that you verify its accuracy as mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ).

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX I am well aware of my rights under the FCRA XXXX which requires credit bureaus to investigate and verify the accuracy of disputed information within a reasonable timeframe. As such, I am formally exercising my rights and requesting that you provide me with complete and thorough documentation that supports the validity of this account. 

To ensure a fair and comprehensive investigation, I kindly request that you provide the following information : Verification of the Creditor : Please provide documentation proving that the alleged creditor, as listed on my credit report, is legitimate and that a valid contractual relationship existed between myself and the creditor.

Verification of Account Ownership : Please furnish documented proof establishing my ownership and responsibility for this account, including any signed agreements or contracts bearing my signature. 
Itemized Account Statements : I request copies of all account statements, including the original and subsequent statements, indicating the transaction history, balances, payments, fees, and any other relevant information pertaining to this account. 
Chain of Custody : Please provide a complete record of the account 's ownership and any transfers or assignments of the debt. This should include any supporting documentation demonstrating how the alleged creditor obtained the account information. 

I understand that under the FCRA, the credit bureau has a legal obligation to investigate my dispute within 30 days of receiving my request. Additionally, I kindly request that you inform the original creditor of my dispute and provide them with a copy of this letter, as required by FCRA Section 611 ( a ) ( 2 ) ( A ). Please be advised that any failure to comply with my request and obligations under the FCRA may result in legal action to protect my rights. I have enclosed copies of relevant documents supporting my identity, including a copy of my driver 's license and a recent utility bill, to confirm my identity and ensure accurate processing of this dispute. Thank you for your prompt attention to this matter. I expect a thorough investigation and a timely response within the required timeframe. Please send all correspondence regarding this dispute to the address listed above. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXXXXXX XXXX, Act Name : XXXX XXXX  Act Name : XXXX, Act Name : XXXX XXXX XXXX XXXX , Act Name : XXXXXXXX XXXX , Act Name : XXXX XXXX XXXX  , Act Name : XXXX, Act Name XXXX XXXX, Act Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Act Name : XXXX XXXX XXXX, Act Name : XXXX, Act Name : XXXX XXXX Act Name : XXXXXXXX XXXX, Inquiries : 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

please find attached the FTC application, along with my dispute letter, stating that the following account are not mine and have been mixed up with another persons identity, therefore i have been disputing these items for more than one year and experian does not remove them from my records, please help me with this situation. 
thank you
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I have previously disputed public record XXXX XXXX XXXX XXXX  XXXX XXXX with you. With in response, you verified this item accurate. stating you verified this information with the court. 

I contacted the court in their response is in enclosed : Its clear they do not report to you or any credit Bureau for that matter. Therefore, your initial response. verifying the item with the court was either an error or a lie. 

Either way the reporting requirements does not comply FCRA XXXX ( XXXX XXXX. XXXX i and the information must be delete immediately!!!
Consumer complaint received 2023-01-01
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. (MI)

During my annual credit pull from all three-credit bureau in XX/XX/XXXX to check for inaccurate information, I came across a delinquent charge from XXXX in the amount of {$680.00} on Experian and XXXX. After discovering this I immediate froze my accounts with each credit bureau. This account was opened fraudulently without my authorization. I have never had XXXX  cell phone service. Additionally, I have never resided at the address XXXX XXXX XXXX XXXX which is also being reported. I have contacted XXXX requesting to be provided an original signature opening this account. I have also filed multiple disputes with Experian and XXXX requesting this information in XXXX and XXXX, I have not received satisfactory results from either organization.