davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-07-17
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
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
Consumer complaint received 2023-07-17
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. (TX)

Pursuant to 15 USC code 1681 a ( d ) ( 2 ) ( A ) ( i ), Experian has been reporting my utilization and late payments, which is also a violation since Congress states that portion should be excluded from credit reporting. 

Late payments reported : 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
Consumer complaint received 2023-07-17
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. (CA)

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

Account name : XXXX XXXX XXXX XXXX Account # XXXX and Account name : XXXX 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 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 2023-07-17
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXX, 2023. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately made another payment to XXXX. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I am in the process of purchasing a house and this late pay marking has been detrimental to my credit. I have any control over XXXX Auto phone system. Nor was i aware that they were obviously having phone issues as a consumer. I am requesting that the call be listened to ( which will prove the error was on XXXX part ) and that my evidence of the 5 minute call be reviewed on my billing report from XXXX.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

My mortgage with Seneca Mortgage was sold to XXXX, Seneca continued to withdraw money from my checking account although I had no account open with them. I need Seneca to send my money back since there is no debt to pally the money.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Subject : Notice of Dispute - XXXX XXXX To Whom It May Concern, I am reaching out to express my profound dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX XXXX my credit report. Upon review, it has become apparent that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to address and rectify this issue. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following key details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself concerning the account XXXX XXXX. 
Original Creditor : Clearly state the name and contact details of the original creditor linked to this account. 
Original Open Date : Specify the precise date on which the account XXXX XXXX was initially established. 
Date of Last Payment : Clearly indicate the exact date of the last payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. 
I am fully cognizant of my rights under the FCRA, and it is evident that there has been a failure on the part of XXXX to fulfill its obligations in ensuring the accuracy and validity of the information it reports. I demand a swift response and resolution to this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will compel me to pursue legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, I request that any corrections made to my credit report be promptly updated.
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

On XX/XX/2022 I reviewed inaccuracies on my credit report reported by the referenced company. I submitted a written request for validation, copy of collection licenses, signed documentation that I have an account with them. The company failed to provide this documentation within 30 days. The company failed to provide confirmation that a notice was sent to me stating I had 30 days to dispute the debt, prior to reporting it to all three credit bureaus which is a violation of the FCRA. This account is still being disputed, the company failed to provide the specific information I requested.
Consumer complaint received 2023-07-17
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (TX)

I have called XXXX, XXXX and Experian as well as submitted letters about permissible purpose, validation and incorrect items on my credit report pertaining to inquiries and child support payments from Attorney General. They have refused to remove it and its keeping me from buying a home.
Consumer complaint received 2023-07-16
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. (NC)

On today, XX/XX/2023. I, XXXX XXXX XXXX checked my consumer/credit report and noticed inaccuracies between each of the following three Consumer Reporting Agencies . Experian, XXXX, and XXXX.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

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 XXXX out of XXXX 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 : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, and so on.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/2023, I received an email from Bank of America that an application for a new bank account was being processes. A few minutes later another email came thru stating the account was approved. I contacted BOA the same day to inform them that I did not apply to open an account. After the phone call I was instructed to go into a branch to file a fraud report because I was not comfortable giving my information over the phone. I filed a fraud report inside the branch and received an affidavit a few days letter to fill out. I had to submit copies of my social security card, drivers license, and a utility bill to prove who I was. I had several phone conversations during the weeks to make sure they had all information needed to close that account. On XX/XX/2023 I received and email stating that the account was closed. I also received a letter as confirmation. My issue with this is I have a freeze on my social security number due to previous fraudulent activity. I checked my credit report and I did not see any inquiries from Bank of America which should have occurred if someone applies for credit. Even if they inquired, I have a freeze on my social security number so it would be blocked. I believe Bank of America opened this account without my knowledge. I want to file a complaint to uncover how this account was opened and if Bank of America did in fact open this account and put me through drastic lengths to close an account that they opened fraudulently. 
I found this very disturbing that someone can open an account online with my information with ease but I have to go through drastic lengths to prove who I am even while being physically inside a branch with my identification.
Consumer complaint received 2023-07-16
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. (NY)

i have asked a 3 bureaus to fix the inaccurate info on my credit reports last 3 months i have submitted claims about the XXXX XXXXXXXX  credit card account on my file it is still being reported as a charge off of {$90.00} and it is showing paid and that i still owe. 

my account became late due to XXXX and i requested it be closed the card issuer did not and i became sick and XXXX and the late just kepted adding on i contacted XXXX XXXX  and paid balance they said i owed they said it would be corrected on there end..
Consumer complaint received 2023-07-16
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. (NV)

Credit reporting agencies XXXX, Experian, and XXXX have been reporting numerous accounts that solely contain information regarding transactions on my consumer report and details relating to the approval or authorization of credit card extensions, whether direct or indirect by the issuer. 

As a result, all three corporations are in violation of the following federal laws : 15 U.S.C. 1681a ( 2 ), specifically Exclusions, Subpart A, Sub-subpart ( i ) 15 U.S.C. 1681a ( 2 ), particularly Exclusions, Subpart B
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

EXPERIAN IS IN VIOLATION OF FCRA AS ALWAYS! 
REPORTING ACCOUNTS THAT HAVE BEEN DELTED FROM OTHER BUREUS BECAUSE OF INACCURACIES & FRAUD!! 

THEY HAVE NOT DELTED ACCOUNT CAUSING HARDSHIP IN MANY PEOPLE LIVES I WILL SEEK COMPENSATION OF {$1000.00} PER VIOLATION
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Google Compare Credit Cards Inc. (NY)

The other personal affairs concern a company named Google. Google has allowed game developers to advertise falsely. In two games played, I have accrued a payout of over XXXX to XXXX. I was never paid. I could not recover these amounts. These apps appear on the XXXX XXXX XXXX. As a consumer, I do not receive the care that many others receive, perhaps because I am a woman and XXXX. Every time I report unauthorized charges, as a penalty, Google blocks my account and only will reinstate it if I send in several pieces of information like photos of my ID, debit card, and other legal documents. How often will I provide my personal information before they can verify me? The only thing that has changed is my debit card. I fear Google employees are misusing customers ' private data for other matters, or it is sold to others globally. They seem to request this too often or whenever a complaint is launched against them. 

Google also allows these to take place within apps that are on their platform : 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 These issues are still current. Google retaliates against customers who complain about services and lack of treatment. I have requested an itemized bill of payments, which was promised but never delivered. Google lies to customers ' requests.
Consumer complaint received 2023-04-14
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. (GA)

I have contacted XXXX several times regarding this Fraudulent Account listed on my credit report. The First time of contact was XX/XX/XXXX I have sent in proof that the account was opened fraudulently as well as an FTC report. The company assured me over the phone that the account will be removed but each month reports the exact opposite to the credit bureau. XX/XX/XXXX I contacted the XXXX high risk department to let them The information they are reporting is a violation of my rights and the account was opened fraudulent the representative told me they closed the account and will continue reporting it to the credit bureaus. This company is reporting false information which violates my consumer rights which is a direct violation of The FCRA standards.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

EXPERIAN IS KEEPING A A CCOUNT ON PROFILE THAT SHOULD NOT BE REPORTED IT HAS BEEN DELETED BY OTHER BUREAUS BECAUSE OF INACCURACIES EXPERIAN CONTINUES TO REPORT ACCORDING TO FCRA ALL CREDIT REPORTS SHOULD REFLECT THE SAME! EXPERIAN IS IN VIOLATION I WILL SEEK COMPENSATION OF {$1000.00} PER VIOLATION
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2023 Bank of America opened a new account in my name without my knowledge or permission. I went on my mobile app on Sunday XX/XX/2023 and noticed a pop up message saying that my new account is now open and they are mailing my card to an old address that bank of America had on file 10 years ago. I was horrified seeing this new account along side the account I pay my rent from. I'm a single parent dealing with a domestic violence situation. So it shocked my to my core! I did not sleep thinking how is this happening. I called as soon as the sun came up. They were not apologetic my rather carelessly saying that it's the internet. I said how when you need to provide so many key credit details to open an account. They ignored the question and said that they would just close the account. They gave no confirmation number even though I asked for it repeatedly. They then sent me and email saying steps to take since this has happened as if I was requesting info because I needed it. Even that email made it seem like they were being deceptive. I asked that my bank cards be replaced they said there is no need. I went in to the branch the next day to request them in person. I'm overwhelmed with the amount of things that I now have to change because I feel so violated. Then I went home and saw this on the news and knew that I was a part of the whole scamming of their loyal customers. It's really hurtful. At one point during the pandemic they were charging so many XXXX $ over drafts I called crying begging them to stop. I have two little boys to feed, really makes my stomach hurt to know how hard we work and they don't value us.
Consumer complaint received 2022-12-20
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 submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items 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 CARD 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