davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (WI)

This is my XXXX attempt at getting an accurate credit score from Experian Credit Bureau. On XX/XX/XXXX Experian decreased my credit score by XXXX points. I contacted the credit bureau to get an explanation as I felt this decrease was inaccurate. I did not get a valid reason from the representative, which caused me to file an initial complaint with CFPB on XX/XX/XXXX. 

After I filed the complaint on XX/XX/XXXX Experian increased my credit score by XXXX points. On XX/XX/XXXX Experian decreased by credit score again by XXXX points. I received a response to my complaint from Experian on XX/XX/XXXX. Either this is deliberate or there is a glitch in Experian 's credit scoring system. 

The scoring can not be based upon my credit history as my XXXX score is steadily increasing, my credit card usage with all ( XXXX ) bureaus is 0 % and there's no new debt collections added to my account that would cause a drastic decrease. 

The previous response that I received from Experian on XX/XX/XXXX did not fix my credit score issue. It stated that my credit history was a factor which is why I attached a copy of my credit card usage percentage to disprove their claim. 


Thank you XXXX XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2022-06-07
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. (TX)

act XXXX  Account # XXXX ( XXXX  XXXX ), Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX ( XXXX ). Miss put information on multiple areas.

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (NY)

XX/XX/XXXX RE : A/C # XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX To Whom It May Concern : I opened the above-referenced account on XX/XX/XXXX while establishing a correctly titled attorney trust account. 

The representative from your XXXX XXXX branch offered a new VISA card and informed me that I would receive {$300.00} after spending {$3000.00} within the first three months. It sounded too good to be true but I accepted the offer and spent the required amount within the specified period. Unfortunately, I now feel that I was conned. 

Last week, I spent 45 minutes on the telephone with five different representatives from your credit card division. Three of them transferred me to people who just disconnected me after hearing the story. Needless to say, no one called me back. 

Unless you promptly pay me the {$300.00} rebate promised I shall be closing all of our accounts at Wells Fargo and will pursue appropriate further action to compel you to honor your commitments. 

Very truly yours, XXXX XXXX XXXX XXXX cc : Bureau of Consumer Financial Protection
Consumer complaint received 2021-12-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2024-08-08
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2020-06-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (VA)

Notice of debt letter received dated XX/XX/2020. Called company Linebarger, Goggan Blair & Sampson, LLP at XXXX address listed as XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX on XXXX-20 at approximately XXXX XXXX. Spoke with XXXX who stated the debt is for XXXX ; however, account summary received in mail states debt is {$1.00}, XXXX. XXXX stated she could look in the system to see if there are other accounts. This account involves one vehicle license plate identification. 
False amounts listed on notice. Violation of the FDCP.
Consumer complaint received 2022-06-15
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. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-07
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. (FL)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (FL)

This is a formal complaint on Hyundai Motor America ( XXXX ). On XX/XX/XXXX I was on the way to pick my children up from school when I heard a loud metal knocking sound coming from the engine. The car turned off and I was forced to pull over to the side of the road. On XX/XX/XXXX the car was towed to the nearest XXXX XXXX Hyundai dealership in XXXX, Fl. The diagnostics are done by appointment only. Three weeks later the diagnostic was complete. The diagnostic proved that the engine locked. The service advisor advised me that my XXXX XXXX XXXX has a lifetime warranty and if the issue was because of my engine I will be compensated a brand new engine at no cost. Before the service advisor submitted the actual claim over to XXXX  he requested to have proof of a couple receipts of the routine oil change. I provided him with the information. After sending that information over to XXXX, The service advisor contacted me saying that XXXX  wanted pictures of the motor. After receiving the pictures of the motor they denied the claim stating that there is reason to believe that there was neglect to changing the oil, which was not true. I have provided XXXX  with proof and advised them that the previous oil company XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX, XXXX, FL XXXX ) sold their business to the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). The XXXX XXXX have told me that they can not provide any of the records from the previous company because they do not use the same system. By law the oil companies are suppose to keep the customer records up to 5 years. I am a single mother of XXXX children and I work a full-time job being without my car has caused me to take off from work and fall behind on my bills. The car was financed XX/XX/XXXX and paid off XX/XX/XXXX. XXXX  is aware of recalls, electrical issues and engine complaints. I deserve to have my engine replaced at no cost because my engine has a LIFETIME WARRANTY.
Consumer complaint received 2021-04-09
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: FC HoldCo LLC (AZ)

XXXX XXXX XXXX Flagship XXXX XXXX has been adding a collections to my credit report that I have provided proof to not belonging to myself, but belonging to my ex husband. I have not and am not involved with him or his responsibilities and the credit reporting agencies have failed to update my report based on the repetitive reporting from flagship I have a court order also reflecting that.
Consumer complaint received 2020-07-20
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. (MA)

TransUnion is reporting the first late payment date in a string of late payments incorrectly. The first late payment was XX/XX/XXXX and I was consecutively late through XX/XX/XXXX. Therefore the string of late payments should have fallen off of my report in XXXX, XXXX. 
TransUnion is changing that first late payment date every month. I will never meet the seven year fall off mark because they push the first late payment date out monthly. That information is historical and should not be adjusted. They also are not reporting a full seven years. They say they have not received a full seven years from the bank and the bank says they have submitted a full seven years to Transunion. 
I have submitted 5 disputes with TransUnion, including in my submissions, is a letter from the bank showing the string of late payments and five credit reports showing the change in the first late payment date. 
The last change was the most erroneous. They changed arbitrary dates to OK. Leaving 90 day late and 120 day late payments without any previous late months. It makes no logical sense. 
I contacted the bank with my concerns that because I make two payments a month into escrow and then the payment is applied to the mortgage, this has confused TransUnion 's record keeping. I was told the reporting doesn't happen that way, but I only made one payment into escrow in XXXX and that payment shows up in my credit report. 
I have repaired my credit and am entitled to what the law provides for with credit reporting. I am powerless to make any changes because I am stuck between the bank and Transunion.
Consumer complaint received 2022-06-07
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. (FL)

I sent a letter off on XX/XX/2022, to remove my personal information that I don't want on my credit profile. According to the Fair Credit Reporting Act 12 USC 1681, states I have the right to privacy. Also according to 15 USC 6802, NO Financial institution have any right to share mu information to a third party. Based on these inaccurate and personal information that has been furnished on my credit profile is a direct violation of my federally protected Consumer Credit Act. 

There is no third party involved in this situation
Consumer complaint received 2019-05-20
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: AES/PHEAA (GA)

XXXX XXXX XXXX is fraudulent. I've never attended college. I have tried to resolve this multiple times but XXXX XXXX XXXX will not help me. They have intentionally destroyed my credit.
Consumer complaint received 2024-10-22
Product: Credit reporting 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. (KS)

Ive discovered mistakes on my credit report regarding 15 USC 1681c-2. The inquiries mentioned were not authorized by me and are negatively impacting my credit score. Kindly remove these unauthorized hard inquiries. Thank you.
Consumer complaint received 2022-06-07
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)

I sent a letter off on XX/XX/2022, to remove my personal information that I don't want on my credit profile. According to the Fair Credit Reporting Act 12 USC 1681, states I have the right to privacy. Also according to 15 USC 6802, NO Financial institution have any right to share mu information to a third party. Based on these inaccurate and personal information that has been furnished on my credit profile is a direct violation of my federally protected Consumer Credit Act. 

There is no third party involved in this situation
Consumer complaint received 2022-06-07
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 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 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 2022-06-07
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. (SC)

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 XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX 
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 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the charged off account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-07-18
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. (NY)

I submitted a dispute letter to the 3 Credit bureaus recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on XXXX XXXX XXXX account. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

XXXX XXXXXXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2022-07-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

XXXX XXXXXXXX Dollars is missing from a transfer I made to fund a XXXX  Savings Account I opened over a week ago. Each day I call I get a walkaround as to why I can't access my funds nor see my funds.
Consumer complaint received 2024-10-16
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. (CA)

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). Experian is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the company is verifying erroneous information to the CRA through an XXXX, and hasn't provided you with proper validation of the debt? 

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA.

Please provide information to the following questions When was the dispute started internally at Experian? 
When was the dispute sent to the original information furnisher? 
When did Experian receive a response from the original information furnisher? 
What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as XXXX is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Experian XXXX, UNITED STATES COURT OF APPEALS, FOR THE THIRD CIRCUIT, No. 9 6-15 5 3, the judge ruled that Experian violated the Fair Credit Reporting Act by failing to compare evidence. Experian has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 
XXXX XXXX ...., DEPT OF EDUCATION/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