davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject-dispute of inaccurate Information on Credit Report I am writing to formally dispute Information on my credit report in accordance with the provisions outlined in 15 U.S. code 1681 i have carefully reviewed my credit report and i have identified the following inaccuracies : XXXX XXXX XXXX  Account-XXXX  Amount- {$300.00} - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX Serv Account-XXXX  Amount- {$2400.00} - - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX Account-XXXX  Amount- {$600.00} - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX XXXX Account-XXXX  Amount- {$27000.00} - I do not have a contract XXXX this company and i don`t owe debt, please IMMEDIATELY I am Requesting a thorough Investigation into these items, as they are not reported accurately. i have included supporting docs that substanitate my claim. 

Please ensure that these docs are taken into account during your investigation.

According to the Fair credit reporting Act ( 15 US code 1681 ) you are required to compete your investigation within 30 days of receiving this letter. i kindly request that you provide a written response, including the results of your investigation and any actions taken, within the timeframe, if you determine that the information is indeed inaccurate, i ask that you promptly Correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-06
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. (NV)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have these accounts corrected : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (TN)

Im accordance with the fair credit reporting act XXXX  account # XXXX XXXX bank XX/XX/XXXX, # XXXX  XXXX XXXX XXXX, XXXX, # XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 15 U.S.C 1681section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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. 

I told Experian to reinvestigate these accounts : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-03-11
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)

Information on Experian credit report : XXXX XXXX Account opened on XX/XX/year> Original balance {$29000.00} Remaining balance {$21000.00} Monthly payment {$680.00} Original Creditor- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX I have spoken with XXXX XXXXXXXX XXXX and they confirmed that they do not have any accounts linked to my information or SSN. 
I have disputed this with Experian multiple times, and they refuse to remove the account or provide proof of the debt/account This account and address is not reported on any of the other bureaus. I have asked Experian to check to see if there is a " mixed file '' where a consumer with similar information may have their accounts reported to your file if error. Experian has declined to research that issue. 
I Need help to resolve this issue. It's been on going for years now & I can not get it corrected. 
Also, Experian reports addresses under my name. I have never visited neither lived there in my life.
Consumer complaint received 2022-11-03
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (CA)

ON XX/XX/2023, THE NAVY SEIZED {$6900.00} FROM MY NAVY FED  CHECKING ENDING IN XXXX. NAVY FED HAD NO LAWFUL AUTHORIZATION TO SEIZE THESE FUNDS. I WAS IN THE PROCESS OF COMING UP WITH A PAYMENT WITH NAVY FED BUT THEY TOOK UNLAWFUL ACTION WITHOUT MY CONSENT AND OR NOTIFIING ME OF THIS ADVERSE. ON XX/XX/, AN ADDITIONAL SEIZURE FROM MY NAVY FED ACCOUNT XXXX IN THE AMOUNT OF {$2600.00}. 

I MADE AN ELECTRONIC PAYMENT TO XXXX XXXX XXXX XXXX FROM MY NAVY FED ACCOUNT XXXX TO COVER MY DELINQUENT MORTGAGE. DUE TO THIS UNLAWFUL SEIZURE, I AM AT RISK OF LOSING MY HOME WHILE I AM CURRENTLY ON XXXX DUE TO A XXXX XXXX XXXX.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (IL)

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 XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and 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 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 2021-02-15
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. (NC)

I asked the company, Experian, to investigate thoroughly the XXXX XXXX XXXX account on my credit report because it in inaccurate. It is for a medical debt that I am not responsible for. The hospital that it would have come from had full access to our insurance information and billed by our XXXX XXXX military insurance, XXXX. The insurance paid this debt. Now, XXXX is trying to get double paid by us as patients as well for the hospital. This is illegal and unethical. I have asked the creditor and Experian several times to remove it and have even provided evidence to were other credit bureaus found it to be a fraudulent debt claim and remove it. Experian still refused to remove it.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

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 2022-12-02
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. (IL)

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 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 and 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 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 2022-11-03
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2018-04-23
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. (MA)

I am making a request to have All Closed accounts on ALL 3 credit reporting agencies : XXXX, XXXX, and Experian, DELETED from their databases. 

All three credit reporting agencies have not deleted items off my report since I have requested multiple times for them to do so as they have not provided me the Original Signed Documents for any of the accounts that are listed and would allow them to report any of the accounts on all 3 reporting agencies. 

items are past or near statute of limitations and bare no such right to be on my reports at all as accounts are Old, Closed, and have not been deleted and resolved upon my previous requests. 

I have attached the disputes I have sent to them showing details of dates, names of accounts etc.. that need to be deleted immediately.
Consumer complaint received 2022-12-06
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. (NV)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts corrected : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-12-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

I got behind on my mortgage payments beginning in XXXX of this year. For this my home was in foreclosure processes but never foreclosed on. I filed loss mignation with the lender but was denied with no clear reason why when called and asked why it was denied. VA was informed of all this. moving forward. Since then, I was able to find a program with an agency called save a dream, that paid my full amount of XXXX but in the sum of XXXX as of XXXX XXXX, XXXX  that was owned to the lender. This total amount included ALL FEES, TAXES, INSURANCE and MORTGAGES FEES along with a one month in advance mortgage payment for the month of XXXX XXXX. When I contacted my lender PennyMac about overage payment of XXXX and why they were trying to charge me for late fees in the amount of XXXX they ( PennyMac ) refuse in giving me a clear answer and the answers were always different for the last one. They also increase my mortgage payments by XXXX dollars claiming it was because my insurance went up. After contacting my insurance XXXX XXXX, I immediately canceled them and got another insurance company XXXX which makes my mortgage payment much lower which I informed PennyMac of the change on XXXX XXXX, XXXX, but PennyMac refuse to do another escrow adjustment claiming my monthly payments will still be with the XXXX increase stating XXXX XXXX, XXXX. After talking with XXXX XXXX XXXX several times about this matter with PennyMac they can't understand why XXXX won't take that overage of XXXX and apply it for XXXX mortgage and what's left of that apply that amount to XXXX mortgage and would make up the different for XXXX mortgage, and they PennyMac shouldn't be trying in charging me of any late fees when the payment that PennyMaXXXX have received on XXXX XXXX, XXXX  covered all that. As of this very day XXXX XXXX, XXXX  PennyMac refuse to open the online payment portal, blocking me in making any types of payments with them online.
Consumer complaint received 2024-03-11
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I've contacted the XXXX Reporting Agencies several times both via phone and mail to see why the XXXX account that have been " charged off as bad debt '' meaning canceled or forgiven on behalf of the creditor is still reporting to my credit report. 

Per IRS, once the creditor has XXXX the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 
In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility of reporting maximum accuracy to my consumer profile. These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Consumer complaint received 2022-12-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 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 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 or 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 2022-12-06
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have 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 # XXXX. I've proactively remembered this report from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX : {$3600.00}.
Consumer complaint received 2023-07-30
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. (LA)

Unwarranted inquiries listed on credit report : Experian : XXXX Card Dated XX/XX/XXXX XXXX Dated XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX