davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (ME)

15 U.S. code 6802 A financial institution may not disclose financial information to a third party umless I give consent. I.e Taking my information and giving it to someone else ( XXXX, Experian, XXXX ) seems to be a direct case of identity theft! 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Acct # XXXX Act # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Act # : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last XXXX digits of acct ; XXXX and XXXX
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts
Consumer complaint received 2023-07-19
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: WELLS FARGO & COMPANY (DC)

My apartment was looted and flooded. Cards and I D taken and fraudently charged my cards. I submitted DC police report XXXX. Wells Fargo Bank allowed fraudulent charges and owes me over XXXX for fraud.
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (PA)

We purchased our home in XX/XX/XXXX and our mortgage was {$130000.00} with XXXX XXXX. in XX/XX/XXXX I lost a good job and we missed a couple payments and did a modification with XXXX to keep our home. in XX/XX/XXXX we received notice that our mortgage was sold to NationStar which is now operating as MR.COOPER. From the beginning it has been difficult being a customer of theirs. We have had to modify our mortgage with them last year due to my lack of ability to keep consistent employement. Long story short we were forced to sign a modification with them last year or lose our home as they put it. Our " modification '' is for {$140000.00} I have paid 10 years on a mortgage and owe more now than the day i purchased the home, i missed maybe 12 payments in 12 years, payments have always been around {$1300.00} monthly between both companies and our taxes are escrowed in our mortgage. Regardless, I have paid almost {$170000.00} of the {$180000.00} that I should have paid, but due to being out of work twice in the last 7 years and needing a modification I owe more now than in XX/XX/XXXX when we signed the XXXX XXXX  mortgage.
Consumer complaint received 2024-02-28
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. (MN)

my identity has been stolen and i informed Experian credit reporting agency with proper information and have not heard from them. I sent in documentation and have not heard anything back. i am demanding the deletion of the following account. XXXX XXXX XXXX XXXX XXXX, account number XXXX. They are violating my consumer rights as well as my request for blocking information related to identity theft under 15 USC 1681c-2.
Consumer complaint received 2022-11-29
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)

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. 
XXXX XXXX The above accounts have violated my rights according to 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 an 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

Equifax has been manually updating reports making them inaccurate, these Tradelines now reflect as not being paid - and closed. This is a trending issue, and as such -- I do not agree to resolving this dispute outside of this portal. These defects in the record are the result of EQ making changes, and not the source. 

ALL of these accounts are CLOSED and PAID, and at some point stored the correct designation. They were updated and innacurate. I DO NOT agree to have these positive Tradelines, deleted because EQ manipulated the data, it must fix it. 

The following CLOSED Tradelines - have a " N/A '' Activity Designator, and should not. 

Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. XXXX XXXX is the only one reporting correctly. 

Credit LimitXXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX/XXXXShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED
Consumer complaint received 2023-06-12
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)

In XXXX of 2023, I sent in a letter requesting for all accounts being reported to my credit profile to provide documentation proving that the debt belong to me and is accurate. As part of the verification, I requested the original contract signed with my wet signature and complete payment history from the original creditor. However, I received a mailed letter with neither. In accordance with the Fair Credit Reporting Act, the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C.1681 section 602 a states that I have the right to privacy.

15 U.S.C.1681 section 604 a section 2 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 the 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 2023-02-02
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: PENNYMAC LOAN SERVICES, LLC. (ME)

I sent a Letter ( his second hand letterdelete inside brackets ) on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is suppose to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-07-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

I BORROWED A STUDENT LOAN {$21000.00} APPX. IN 2008 TOWARDS THE UNIVERSITY FEES. 
PROVIDED ME A ( XXXX. ) FALSE CERTIFICATION AND SCHOOL WAS NOT ACCREDITED IN THE USA. 
I COULD NOT GET A JOB OR CONTINUE FURTHER EDUCATION ON THE BASIS OF THAT CERTIFICATION. 
UNIVERSITY : XXXX XXXX  XXXX XXXX XXXX. 
LOAN SERVICER : AMERICAN EDUCATION SERVICES. 

YOU ARE REQUESTED TO HELP ME DISPUTE THIS LOAN.
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I checked my credit profile a few months ago and realized an account that I didn't open is on my reports. I was young and never knew anything about credit and have never had a credit card. Someone opened a credit card with my information, made payments and stopped paying I guess, and now I have this fraudulent debt on my name. I was informed I've been a victim of identity fraud. 

I informed XXXX XXXX XXXX XXXX that this account is not mine, I am a victim of identity theft. The account number is XXXX. I have filed a police report, and mailed it to them along with my identity theft form. I need this account removed from my name and credit reports immediately. This is my final attempt at peaceful mediation.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I have been trying to get my credit report from Equifax for the last 9 months. I have also been trying to have unverified accounts removed. When I called Equifax they said that they were not able to verify my identity and I would need to submit a copy of my ID and Social Security card which I sent to them. I waited a month called back in and they said that they did not have it and I needed to resend it. I sent it back to them by mail and also by fax and got the same results. After repeating this process three or four times Equifax still would not send me an updated copy of my report and have not removed the unverified accounts.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XXXX XXXX i did a mobile check deposit for a XXXX XXXX XXXX I received in the mail from a settlement lawsuit for {$1900.00} the next morning at XXXX I received an email from Bank of America stating my account will be closing due to a fraudulent check. I contacted the lawyer and they said the check is valid and there no hold on the funds. I called Bank of America a few times over the last week and even went in person and talked to a teller and they still give me the run around. On the XXXX of XXXX I received a email from Bank of America stating balance after transaction and fees were {$1900.00} Transactions type was a electronic payment For {$48.00} and fee was {$0.00} while my account is still closed. I want to know what step can I take
Consumer complaint received 2024-03-04
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)

As stated in the attachment, the original dispute was handled incorrectly due an internal error. Also, the debt collection company ( XXXX  ) has closed the account showing nothing is owed. Experian has stated they will delete the account, but has failed to do so as of this date.
Consumer complaint received 2023-03-04
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. (CA)

Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report with fraudulent activity and now am continuing to see MORE COLLECTIONS added to my TransUnion. This is very upsetting and I need this fraudulent information removed from my credit report within 4 business days. 


FRAUDULENT ACCOUNT : Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX COMPANY NAME : XXXXXXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX COMPANY NAME : XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX COMPANY NAME : XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX COMPANY NAME : XXXX INQUIRY DATE : XXXX XXXX XXXX COMPANY NAME : XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Fraudulent Employers : XXXX
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Resurgent Capital Services L.P. (FL)

The two open collections on my credit report are from a company Ive never done business with. Ive never signed any documentation with these companies nor have I ever been in contract with these companies before. These account were charged off by the original companies a few years ago, to my husband loosing employment because of COVID. I have written several cease and desist letters to XXXX XXXX XXXX and LVNV FUNDING LLC explaining this to no avail. So I am questing your assistance in this matter, please!
Consumer complaint received 2023-03-04
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts for proper and clear reporting in my file that prevents from degrading my score. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX  XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX XXXX Balance XXXX {$250.00}
Consumer complaint received 2024-03-04
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 am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity.
Consumer complaint received 2024-03-04
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)

Privacy Act of 1974 A charge off is considered a XXXX of XXXX which means it is income and must be removed! 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer XXXX have given you written, unwritten, verbal and nonverbal per XXXX XXXX XXXX Effective Immediately and Indefinitely
Consumer complaint received 2024-03-04
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. (TX)

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.

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 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and Transunion All XXXX XXXX, 2023. 
Multiple times i have frozen my accounts and even signed up for extra protection under XXXX. Multiple times a hacker has been able to unfreeze both of these accts and change my email to an outlook email. Over and over again, after i have changed my password and even userid. This truly feels like it is somebody from their own institution. They won't research the email that is given. Which would tell them immediatley who it is they are dealing with. 
I had 11 inquires in early XXXX and all were trying to open personal loans. I even got a atm card in the mail saying i opened an online bank acct with a XXXX balance... 
I asked for extra security to be put on my acct and asked for supervisor help XXXX2023, they let me sit on the phone for 1.25 hours and then sent me to a survrey of how well they did, without ever getting me to a supervisor. This was XXXX. 
Transunion just keeps letting them in and changing my email and un freezing also. 
If this stuff cant be fixed, we are all in big trouble. 

Please help, XXXX
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Idispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance : {$1000.00}