davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair credit reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX, Account # XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account # XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I have a closed account with XXXX that is reporting to the credit bureaus as 6 accounts with late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. My latest communication with XXXX was on XX/XX/XXXX, I spoke with XXXX and she verified that I only have one account with them and could not see why it was reporting 6 accounts. The account number is XXXX. The account was paid and closed on XX/XX/XXXX in the amount {$32000.00}. I have disputed the duplicate accounts with all 3 credit bureau and they have come back with accounts are correct. I have also previously spoken to a representive with XXXX regarding this. The accounts have the same account umber, same late payments, and same close date. Also the accounts are showing 90 days late on XX/XX/XXXX with no late payments prior to that date. How can an account report current in XXXX and 90 days late in XXXX.
Consumer complaint received 2024-01-22
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. (SC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES : TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Consumer complaint received 2022-11-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems (MD)

My dispute is regarding : Financial Data Systems XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX Early XX/XX/XXXX Financial Data Systems XXXX XXXX XXXX XXXX, XXXX, and XXXX to report me for collections as owing {$90.00} in XXXX XXXX. They claimed that they sent me a notification regarding this debt in XX/XX/XXXX. I NEVER received any notification about this {$90.00} debt. The first I heard of it was when I was alerted of the collections on my credit report. 

Upon being made aware of this debt I immediately disputed it with all 3 credit bureaus. Both XXXX and XXXX removed the debt within 48hrs of my dispute. However, XXXX refuses to remove the debt. They state that " we have verified that this item has been reported correctly. '' Which is not true. This company never alerted me to this debt prior to putting me in collections. 

I called the company the week of XX/XX/XXXX. According to them the debt was from a service at XXXX XXXX XXXX in XX/XX/XXXX and they sent me a notice in the mail. Only 1 notice in XXXX, that's it. They never called me. I did not receive this notice at all. I believe they are lying. I gave the representative my phone number to have them call me back. No one called me back so far. I also filed a dispute with the company. I requested a dispute ID number so that I can call later to check the status. The representative said they don't have tracking numbers.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BMO Bank, N.A. (IA)

Multiple fraudulent transactions on my BMO HARRIS CREDIT CARD.

Ive called twice to try and file a fraud claim on these transactions and they keep giving me the runaround, there are over 24 transactions that have been charged to my card FRAUDULENTLY.

Id like to open a fraud claim on these transactions.
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Penny Mac has failed to send me my Monthly Statements or Escrow Analysis via email or to my physical address. I called to resolve this and was told it is being sent and its probably the postal service losing my letters. I have USPS mail scanning service, I have record from USPS of every letter I receive at my house. I have every email I have received. I do not have record of any emails from Penny Mac with my Statements or Escrow analysis. I have not received any of the documents Penny Mac claims to have sent me via email or mail. I spoke to unlicensed supervisor " XXXX '' at extension XXXX. 

Since XX/XX/XXXX, here are the ONLY items I have received via Email or Mail from Penny Mac : XX/XX/XXXX Letter notifying of changes to Homeowners Insurance, XXXX Email stated Year End Statement available, XX/XX/XXXX Email 2FA confirmation email, XX/XX/XXXX Email confirming changes to Paperless Preferences.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-11-21
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX, My credit score dipped 22 points with all three bureaus. This is confusing because it shows this is due to a {$660.00} decrease in my credit balance with XXXX XXXX. My credit score is suppose to go up with a balance increase. Issue two is that it's indicating that XXXX XXXX removed some type of remark??? I have not seen any remark on my report dating back to two months ago when I was notified a remark was added. This goes into my last most critical concern, why did XXXX XXXX immediately remove this remark simultaneously after I paid {$700.00}. on my credit card balance. That's seems to be retaliatory. 
I need a firm understanding of the bureaus impact and XXXX XXXX sudden behavior.
Consumer complaint received 2020-05-25
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. (TX)

FACTUAL DATA Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX CARDS XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX all inquires ftc violations
Consumer complaint received 2024-01-22
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
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)

According to the Fair Credit Reporting Act 15 USC 1681 sections 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Experian are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared which is back by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumer 's " nonpublic personal information. ''
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604a states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681a states the banking system is dependent upon fair and accurate credit reporting. Attached are my credit reports which will clearly show discrepancies within the reported balances. These inaccuracies on my report have caused a lot of trouble for me as I'm in the market for a new car.
Consumer complaint received 2023-03-30
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)

XX/XX/XXXX - Amount {$570.00} XX/XX/XXXX - Hard inquiry XX/XX/XXXX - Hard inquiry XXXX XXXX, XXXX - Hard inquiry A medical debt collections account was added to my credit report, in addition to other hard inquiries. 

I did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 )
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

XXXX XXXX I sent a letter and a copy of my FTC identity therft report to report that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit les. I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

Someone opened up a Target credit card under my name. I received the actual card in the mail and then contacted Target fraud department letting them know that I had never applied for the card. They have since canceled my card and asked me to report it to CFPB. I have also put a fraud alert on my profile
Consumer complaint received 2022-08-15
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account 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.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have been trying get this off for almost a year, I have sent letters, made calls and filed disputes and file complaints, with little to no response or results. XXXX has placed an closed Entergy bill paid in XXXX XXXX on my credit report in the closed section, as a XX/XX/XXXX reporting date with a {$99.00} balance, reporting it was in collection before paid XXXX earlier. All three credit beau Transunion, XXXX and XXXX are reporting inquires that is not mine Certified credit XXXX XXXX  XX/XX/XXXX, Data Facts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XX/XX/XXXX. Transunion XXXX XXXX XXXX XXXX inquires that is not mine. XXXX is reporting XXXX XXXX XXXX XX/XX/XXXX, is not mine. A address XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, AR XXXX not my address. and Transunion and XXXX is reporting a address XXXX XXXX XXXX XXXX, CA XXXX is not mine Incorrect reporting of my name XXXX, XXXX Please remove from my credit report items that are not mine and correct my name please.
Consumer complaint received 2023-06-22
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. (TX)

This is my 2nd 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 items 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lockhart, Morris & Montgomery Inc. (LA)

Lockhart , Morris & Mont is violating my rights under the no surprise act of 2022. I have one medical bill in the amount of {$1100.00} that an out of network provider is charging without my prior authorization.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (HI)

31 USC 5118 : ( a ) United States coins and currency, including XXXX XXXX notes and circulating notes of XXXX XXXX XXXX and national banks, are legal tender for all debts, public charges, taxes, and dues. 

( b ) This subsection does not affect the Secretary of the XXXX XXXX under Section 5114 ( b ) of this title to regulate the amounts of United States coins. 

Practical Implications : XXXX XXXX Status : XXXX XXXX coins and currency, including XXXX XXXX notes and circulating notes of XXXX XXXX XXXX and national banks, are recognized as legal tender. 

Acceptance for Debts and Obligations : XXXX coins and currency are acceptable forms of payment for all debts, public charges, taxes, and dues. 

Regulation of XXXX Amounts : While coins and currency are legal tender, the Secretary of the Treasury has the authority to regulate the amounts of XXXX coins. This authority allows for the regulation of coinage denominations and specifications. 

Recognition in Transactions : Merchants, businesses, and individuals are generally obligated to accept XXXX coins and currency as payment for goods, services, and obligations, with certain exceptions. 

It's important to note that the legal tender status of XXXX currency means that creditors are generally required to accept it for the payment of debts, and individuals are typically obligated to accept it in transactions. However, there are practical considerations, and businesses may establish their policies regarding forms of payment, including whether they accept cash, checks, or electronic payments. 

Additionally, the Secretary of the Treasury 's authority to regulate the amounts of XXXX coins allows for the management of coinage to meet the needs of commerce and transactions.
Consumer complaint received 2022-07-15
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

EXPERIAN : XXXX XXXX BANK XXXX Balance : {$530.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$600.00}
Consumer complaint received 2022-07-15
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. (FL)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against Experian and XXXX if they do not validate the account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Date opened XX/XX/2006 Balance {$100000.00}
Consumer complaint received 2024-01-22
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. (GA)

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 items 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$54.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX