davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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. (IL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

15 U.S.C 1681 ( a ) you are in violation of my rights to privacy and information I want to be private that's posted on my consumer reports is a violation of my privacy, Infringed upon my right of privacy. Please investigate that this account because it is not reporting 100 % accurate information there are so many errors within this account and this is a violation of FCRA. This account is unverifiable and inaccurate information, please investigate that this account is reporting 100 accurate due to the fact that this account with the XXXX XXXX XXXX account number XXXX has been listed as a duplicate several times on my report. As a consumer by law these accounts on this claim must be deleted immediately.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-27
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$31000.00} XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$510.00}
Consumer complaint received 2023-10-28
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. (FL)

I need to be able to report to consumer reporting agencies on my credit file that over the years Ive had major brain traumatization impact multiple injuries to my head from two different accidents in fall 2013. I need to be able to report that to my collecting agencies for them to be able to understand that I have Social Security XXXX, and I am also traumatized on medication for years and need to have the fair credit reporting agency analyze my file. Also, when I was XXXX XXXX XXXX, someone gave me a piece of gum with acid on it at a friends XXXX XXXX XXXX, which gave me also major damage because I did not know Lawyer the doctor tell me for 15 years ago did I tell anyone else so that with all the medication over the years I want to school, but I was again unaware then after that XXXX  I had a slip and fall while in summer break vacation. Its very difficult for me to remember things, to take my medication, talk to people or pay my credit. For example, this is why my credit is so damaged.
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (PA)

In XX/XX/XXXX I was terminated from my employer XXXX. The very next day I called my mortgage company PNC Mortgage to apply for Hardship Assistance and spoke with someone in the Loss Mitigation Dept. The HA paperwork was sent out to me and I completed it EXACTLY as instructed and after a few weeks, was told that I had been approved for a forbearance via mail. I was given a five month period to pay $ XXXX/month based on unemployment benefits and my previous income with my last month being XX/XX/XXXX. I remitted my XXXX payment only to have it returned in the form of a check in the amount of {$25.00} which included the previous months. I was told by a customer service rep that I am in arrearages of {$1900.00} + inspection fees of {$5.00}. The inspection is an unknown person surveilling my home to confirm residency. I have received numerous calls and letters teetering on harassment and the month of XXXX isn't even over yet! PNC backpeddles on their policies and they would not let me a establish a reasonable payment arrangement.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below are the account that need to be removed : XXXX  XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I am writing to address the erroneous reporting of accounts in my consumer report. I want to emphasize that I never provided written consent for the inclusion of these accounts. Consequently, I firmly believe that my rights under 15 USC 1681b have been violated. This breach pertains to safeguarding consumer information and the necessity of obtaining consent before its reporting. 

I have previously lodged a complaint with the Federal Trade Commission ( FTC ) and have been allocated a reference number : XXXX. Despite my efforts to have these items removed from my report, I have received unsolicited documents from the creditor, indicating a lack of cooperation. My grievance is specifically directed at your credit reporting agencies, as it falls within your responsibility to ensure accurate and compliant reporting. 

According to 15 USC 1681c-2, consumer reporting agencies are obligated to swiftly block the reporting of any information that consumers identify as originating from suspected identity theft. I respectfully urge you to adhere to this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Original Creditors : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX I expect these accounts to be removed in accordance with the timeframe mandated by law, no later than four business days following your receipt of this letter.
Consumer complaint received 2023-10-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (CO)

I was unemployed during this summer due to studying for my bar exam. I explained my situation to Discover who offered no help. Their response was to ask me to make a payment of $ XXXX {$300.00}. When I again explained to them that I was unemployed and had no income at the moment they told me they had no other options to help me during this time. I was unable to make payments through the months of XXXX. Discover went to my co-signers who did eventually pay the amount. However, I was still marked as delinquent. I did not authorize the payment nor did I make the payment and I am still being penalized and my credit is being negatively affected. I am now in a position to make smaller payments and have signed up for a payment plan. However, based on when I was enrolled, Discover still reported delinquency for the month of XXXX despite me not making a payment yet and being enrolled in a plan. I now have four delinquent account notices on my credit report due to Discover filing with the credit agencies despite the amount being fully paid and being enrolled in a payment plan. After speaking with Discover they refuse to remove the delinquent notices. This practice is both unfair and unethical and has severely negatively impacted my credit score to no fault of my own. This student loan company does not care about it's borrowers nor do they care about finding a resolution for all parties involved. They engage in predatory practices, including harassment and unethical business practices. Avoid at all costs.
Consumer complaint received 2023-10-26
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. (LA)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX This Information is Incorrect, remove. 

XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove The following personal information is incorrect. 

XXXX XXXX, XXXX. XXXX, NY. XXXX
Consumer complaint received 2023-10-26
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax has repeatedly reported that XXXX XXXX is verifying a bankruptcy on my file. Yet XXXX XXXX has repeatedly advised me their company is NOT verifying that incorrect information and provided me a copy of my report that DOES NOT contain any bankruptcies. The bankruptcy should be removed from my report immediately
Consumer complaint received 2023-10-26
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. (VA)

There was an account for XXXX opened ending in XXXX for my e-mail XXXX and last XXXX of XXXX XXXX. I already reported this and it was confirmed this account ( just this account and Upgrade ONLY, do NOT touch the others please ) were not mine. Please remove this account from my Experian
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from : XXXX XXXX XXXX Opened on XX/XX/XXXX Unauthorize Inquiries : XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-10-23
Product: Credit reporting 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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-23
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. (MD)

In accordance with the Fair Credit Reporting act 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 USC 6802 A. may not disclose personal information.
Consumer complaint received 2023-10-23
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)

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 XXXXXXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Original my student loans were all with XXXX, but they transferred over to XXXX when the XXXX contract cancelled. XX/XX/XXXX, I transferred all my student loans over to XXXX. I've been trying since at least XX/XX/XXXX to get my Experian credit report to update the status of the XXXX accounts as Closed-transferred/never late. Experian is the only credit bureau that shows that I have student loans with both XXXX and XXXX for the same student loan accounts. XXXX and XXXX indicate correct student loan information with XXXX only. I tried to both call and email XXXX directly with no response to correct the reporting error to my Experian credit report. Experian keeps telling me that XXXX will not update the records when I file a dispute so I'm unable to resolve with Experian as well. The duplication of student loans between XXXX and XXXX is unacceptable and increases my utilization % on Experian.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have been informed by a debt collector, Portfolio Recovery Services, who filed a lawsuit against for a debt they claim I owed to XXXX XXXX XXXX. Portfolio Recovery Services lawsuit states that a XXXX XXXX XXXX credit card was opened under my name in XXXX and purchases were made on the credit card in XXXX and XXXX totally {$2900.00} that I was liable for. I dispute the validity of this claim by Portfolio Recovery Services. 

I am a victim of identity theft. My personal information was used to open this account and I did not nor have not authorized the use of this account. 

Portfolio Recovery Services lawsuit is the first that I have heard of this debt.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on behalf of XXXX XXXX regarding the inaccurate information present on his credit reports with the credit reporting agencies, XXXX, Experian, and XXXX. The inaccuracies pertain to student loans, closed accounts, and hard inquiries, and they are adversely affecting XXXX 's creditworthiness and financial standing. 

Upon reviewing XXXX 's credit reports from XXXX, Experian, and XXXX, it has become evident that various inaccuracies have emerged, particularly in relation to student loans, closed accounts, and hard inquiries. These inaccuracies are causing significant challenges and hindrances to XXXX 's ability to manage his finances effectively and secure financial opportunities. 

I kindly request the following actions : A comprehensive investigation into the inaccuracies present on XXXX 's credit reports with XXXX, Experian, and XXXX, with the aim of rectifying any information that can not be verified or is erroneous. 
The prompt removal of any inaccurate data related to student loans, closed accounts, and hard inquiries in line with the Fair Credit Reporting Act ( FCRA ) and the CFPB 's regulations. 
Verification of all student loan information to ensure its accuracy and alignment with XXXX 's financial history. 
I firmly believe in the importance of fair and accurate credit reporting, and I trust that the CFPB will diligently address these inaccuracies to ensure the integrity of XXXX 's credit reports. 

Please keep us informed of the progress and outcome of this complaint.