davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-11
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. (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 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Good afternoon, I have been disputing the errors in my credit report to Experian for XXXX months and they do not carry out any investigation. I have asked them for proof of the investigations that they supposedly carry out and they do not give me an answer or evidence, they only say that my report is correct, which is not the case. violating the laws and they harming me without respecting the law
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-04-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (DE)

On XX/XX/XXXX, I spoke to XXXX XXXX, Mortgage Consultant, New Rez, concerning refinancing my current mortgage with NewRez Mortgage Company. He walked me through what documents he needed and how to get them to him. On XX/XX/XXXX, I received an email from XXXX XXXX, XXXX XXXX, Processing Support/Mortgage Operations/Processing on Behalf of XXXX, XXXX, saying that I had been conditionally approved. XXXX XXXX, on XXXX XXXX, emailed me to say that " ... we have received conditions needed to proceed with your loan. Due to high volume, we are experiencing delays. '' On XXXX XXXX, I received an email from XXXX XXXX, Loan Processor, NewRez, asking for additional documents, i.e., XXXX XXXX 's, homeowner 's insurance declaration page, and my most recent " award letter. '' I responded that I had already provided the XXXX XXXX 's and emailed XXXX a copy of my HOI declaration page. I then said that " ... I retired from XXXX almost 23 years ago and don't remember ever receiving such a ( award ) letter. '' I emailed XXXX again on XX/XX/XXXX asking what was happening. No response. I emailed XXXX again on XX/XX/XXXX - no response. On XX/XX/XXXX, I called XXXX who said she was just about to call me and that everything was in order and that we would probably close within 4 days or so. I called her again on XX/XX/XXXX and left a message asking her to call me. I called again on XX/XX/XXXX and left a message asking her to call me. My interest rate lock of 2.625 % expires XX/XX/XXXX.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I don't know who it is that governs Experian but I am trying to find out. I have been diligently monitoring my credit for the last XXXX  years. I've never missed a single payment and have exceptional payment history on all my accounts. Never the less I can not get my score to go above XXXX or out of " fair '' into " good ''. Now for the last XXXX  years I had a debt that went into collections show up on my report. I wasn't mine. I disputed it twice but got nowhere. So I assumed that having something in collections on my report was keeping me from a better score so I just paid the dang thing to get it off my report. The same day it showed up as paid on my Experian report my score then DROPPED XXXX points. I couldn't XXXX believe it. How is it possible that a guy with exceptional payment history and XXXX debt in collections to have a better score then the same guy without a debt in collections. Experian plays with my score like a yo yo. Because they give me such a low score and won't raise it I am only able to get a couple credit cards with {$500.00} or less limits. Altogether I have XXXX cards with a combined total credit limit of {$1300.00}. That is less then I make a week but if I were to max them all out my score would drop a XXXX points. Less then I make a week and even though I pay them all off every payday. We have given Experian to much control over people lives since what they report does in fact effect peoples lives. When you try and ask them these questions about your score they pass the buck telling you to seek a credit advisor. The problem is a credit advisor isn't the one who dropped my score after paying off a bad debt Experian is ..., I would also be interested in knowing why it is that if charge {$480.00} on my credit card which is called significant increase to XXXX XXXX  usage it shows up almost the same day and drops my score but takes weeks to show them being paid off.
Consumer complaint received 2021-04-01
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. (VA)

Law were violated by equifax, XXXX and XXXX. laws written by congress that the bureaus have broken. it is not a belief on whether the law has been broken by each bureau ( XXXX, equifax, XXXX ) it a matter of fact that they were. and i the consumer would like this ratified. it has caused me much distressed. 
Under 15 U.S. code 1681b : Permissible purpose of consumer reports.

( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Also Under 15 U.S code 1681 ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for consumers right to privacy.

my rights have been violated, my privacy violated and i can not as a consumer of the U.S believe that this has happened to me and it is not right for them to have the thought that they are above the law which per the law they are not and i demand something be done about this and not only thing i demand that my rights be honored and not ignored. I the consumer gave transunion, equifax or experian any written consent to report anything on my consumer report and i sure in heck did not give the right of my privacy to be invaded. Also when there is no consent by law that is identity theft. this is not fair.

on date 4/1/2020 letter were forwarded to XXXX  equifax and XXXX  stating the information above. per law 15 us code 1681n- Civil Liability for willful noncompliance ( a ) In General any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consume in an amount equal to sum of- ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater.

With that each violation is $ 1000.and i demand my compensation law for each and every violation made by transunion, equifax and experian and i also demand a deletion .of accounts and judgments15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX and Transunion should not be reporting that I am XXXX 120 XXXX days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (IL)

XX/XX/2021 2nd CONSUMER COMPLAINT FOR FDCPA VIOLATION I am Consumer and I filed an initial Consumer complaint against Monterey Financial Services ( aka Monterey Collections ) under complaint number XXXX for violating various sections of the FDCPA and The Truth in Lending Act. 
After communicating with Monterey in an attempt at achieving complete resolution to the violations committed against me ( the Consumer XXXX by Monterey, they committed yet another separate violation to the FDCPA. 
On XX/XX/XXXX, XXXXI sent Monterey a letter ( Exhibit 1 ) notifying them that they committed violations of various sections of the FDCPA and The Truth in Lending Act while attempting to collect an alleged consumer debt from me via USPS priority mail ( Exhibit 2 ). 
The letter was received in their office on XX/XX/2021 XXXX Exhibit 3 ) Monterey responded to me on XX/XX/2021 XXXX Exhibit 4 & 5 ) via thus violating the communication directions outlined in the letter attempting to come to a resolution ( Exhibit 1 ) that they received on XX/XX/2021 Montereys violation entailed disregarding my most recent instructions for communicating with me ( the Consumer ). Monterey ignored my request for them ONLY to respond to me via email at XXXX pertaining to this. Any other form of communication was nullified with the last and most recent communications instructions from me ( the Consumer ). Instead Monterey mailed their response to my home address via US Postal Service ( Exhibit 4 & 5 ) despite my instructions to only communicate with me via email. violating the Federal Debt Collections Practices Act 15 U.S. Code 1692 ( c ) and harassing me by disregarding my instructions only to communicate via email violating 15 U.S. Code 1692g
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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 2023-07-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

I filed XXXX in XX/XX/XXXX, which was XXXX in XX/XX/XXXX. This included my XXXX XXXX XXXX. The loan was removed from my credit report but then was put back on and into repayment in XXXX of XXXX. They are still trying to collect on this loan, even though it was XXXX. I have tried to talk to Navient but they keep telling me that it's not eligible for XXXX with no explanation as to why not. I have {$100000.00} of Federal student loans so figured with the private loan being XXXX it would help a little. 

Can you please help me figure out what to do? My XXXX lawyer went back and forth with a Navient lawyer for some time but nothing was resolved. From there, I had to have my lawyer send an email saying he was no longer representing me just so I could talk to someone about my loan and try to get answers.
Consumer complaint received 2021-07-16
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. (NY)

I have no choice but to continue my protest against a licensed lender throughout the United States that brokered a deal in my home state of New York, serviced the account until I defaulted, then the loan originator XXXX XXXX sold it to a third party. A copy of the XXXX XXXX XXXX assignment is attached, along with a copy of the default judgment. The account was settled for {$12000.00} and a cashiers check made payable to the plaintiffs law firm to satisfy that settlement, and XXXX XXXX was taking card of the satisfaction of judgment filing. I need the XXXX XXXX account deleted, as they are still showing a balance over {$13000.00}. The account was taken away from XXXX XXXX the day the the debt was sold to a third party. XXXX XXXX needs to be investigated for fraudulent collection and reporting activities and pay a huge fine for their deplorable treatment to me personally. Recently the CFPB received a XXXX XXXXXXXX settlement from XXXX XXXX XXXX XXXX XXXX for actions exactly what transpired between XXXX XXXX and myself. ( See Attached ) I did file a complaint with the following person in charge of XXXX XXXX compliance with zero response. 

XXXX XXXX XXXX XXXX of Regulatory and Government Affairs Email : XXXX Phone : XXXX Each respective credit reporting agency must take separate action against XXXX XXXX for the serious problems they have caused me for non-compliance to the FCRA and the FDCPA. 

XXXX XXXX