davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I have tried on 2 separate occasions months apart trying to request my Free Annual Credit report from XXXX and Experian online only to be told continually year after year to contact them directly in order to receive them. 

This is not the first time this has happen and I'm sure I'm not the only consumer experiencing this issue. 

If these reporting agencies are exempt from providing reporting credit reports access online please note that on the free credit reporting web site. I get tired year year wasting filling out all of my personal information and submitting it only to be told to contact them directly every time. 

Please let me and other consumers this acceptable and please remove them rom the requesting web site and just put up their phone numbers or addresses instead. 

Personally I feel it is just a scam to get consumers to call their rep and sell other products.
Consumer complaint received 2023-01-05
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. (TX)

I reached out to Experian multiple times over the phone and by certified mail since XX/XX/2022 to request removal of names and address on my credit file that is not mine. Ive provided proof of identity and address by certified mail multiple times and they have not corrected the errors.
Consumer complaint received 2022-10-11
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. (TX)

Account name : XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( 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. 
XXXX XXXX. XXXX ( 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

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 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 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

THIS COMPLAINT IS BEING SUBMITTED BY MYSELF XXXX XXXX XXXX XXXX PERSONALLY. no third party is used in the submission of this complaint I have disputed directly with all 3 bureaus regarding incorrect information repeatedly. the refuse to report my accounts accurately iaw with federal credit reporting act. 



1. they continue to report credit card accounts open/deragatory which were discharged XX/XX/2020 in a XXXX  XXXX bankruptcy ( case XXXX ). these accounts should be reported as closed 2. they refuse to report payment history accurately for older good standing installment accounts in the correct timeframe ( my creditor score factors states i have short credit history ) 3. they refuse to accurately report open installment accounts payments in 30 days 4. they have closed current installment accounts and not reported current payments 5. they refuse to remove remarks after repeatedly disputes. they remove them and them put them back on again over and over 5. AS RESULT OF ABOVE MY CREDIT SCORE AS BEEN SAME FOR YEARS
Consumer complaint received 2024-09-03
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. (MO)

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 XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

I went into XXXX XXXX  to have XXXX XXXXut on rims that i purchased for my new XXXX XXXX that already had tires and rims. Before he even puts the rims on that i purchased from XXXX he charges me {$130.00}. Than he comes back and says we broke one of your sensors so we have to charge you to put new ones and. How is that my fault? As long as you put XXXX sensors in fine he said yes turns out he put {$12.00} XXXX aftermarket sensors in my car that wont read my tires so i have to ride around with a safety message on and no tire message. He than says i have tires on sale that are {$50.00} per tire so it will only cost you XXXX plus the cost of the sensors and i will give you a credit for your current tires and rims. I have two sets of rims the ones that came on my car and the ones I purchased on XXXX so i didnt need the rims. He ended up charging me {$600.00} i didnt understand why he didnt have any receipt paper. The shop was already closed. Got in the car its driving weird the tires are stable and they are really loud he didnt put on the correct tires. Came back the next day to return the tires i asked him why did he lie and why did he steal my spare tire and why did he put the wrong tires on. He said it was late and his guy made a mistake and that he would issue me a refund and charge me for the correct tires. He advised me that they would be 20 inch tires. He never issued me the refund instead he charges me {$430.00} for once again the wrong tire size. I asked him for my tires back he told me know that he can make more money from my new tires and rims than what I have. The police got involved because he refused to return my vehicle. He charged my credit card for two sets of tires and two sets of rims a car can only have one pair of tires and rims. I have tried everything to get discover to issue me a refund due to the deception, the damage to the product and fraudulently misrepresenting prices and giving me the incorrect product i didnt get what I paid for. I was charged multiple times for the same thing. This is theft.This company is shady and a police report was filed. They have {$1100.00} of my money, my brand new tires and rims while i have a damaged vehicle with mix and match tires with faulty sensors. Under the fair credit act discover should have refunded the funds to my account but they are refusing
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-11-03
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. (SC)

According to the Fair Credit Reporting Act these accounts have violated my consumer rights under 15 usc 1681. 
The listed accounts below have violated my consumer rights under 15 USC 1681. 

XXXX XXXX Account # : XXXX Amount ( s ) {$16000.00} {$25000.00} XXXX XXXX XXXX Acct # : XXXX & XXXX Amount ( s ) {$22000.00} {$22000.00} XXXX XXXX : Amount ( s ) {$100.00} {$240.00} {$300.00} {$240.00} 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 2023-06-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc. (NY)

I woke up this morning to my Cash App account closed. I reached out to cash app and it took them over three hours to get back to me only for them to tell me that they do not have a specific reason, but they can give us why my account was closed, but it was linked to terms and service violation. I read to the terms of service, and I did not find a single violation that I violated. Ive had my account for a very long time, and I try to maintain it for the mayor fact that it is my only source of banking modernly. When I asked them, they said they could not provide any more information because of privacy issues but I am reaching out to them about my account, so why cant they be open with me about what I violated in order for them to close my account? I have screenshots from the whole conversation that I had with the support system, which did not give me any help the end of the conversation before finding a solution. I tried reaching out again and now the app is telling me. I have to wait a maximum of two hours before I can get in contact with somebody to get any more information about this.
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (GA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-03
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)

I am filing a formal and urgent complaint against XXXX XXXXXXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by not properly validating and verifying an account listed on my credit report. The reporting of this inaccurate and unverified account has caused severe damage to my credit score and financial standing. As a result, I have experienced significant hardship, including difficulties obtaining credit, higher interest rates, and considerable stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability.
Consumer complaint received 2022-11-03
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-12
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2024-09-13
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION (NV)

On XX/XX/XXXX after multiple times and request to stop calling me, Sallie Mae called again but this time she called my sister asking for my XXXX father which doesnt live with her. She asked my sisters personal info in which my sister refused and told them she would pass on the message. So I called Sallie Mae and requested them to stop that the debt was being taken over by XXXX XXXX XXXX. She was aggressive and raised her voice and said I need to pay now and then threaten legal action against me. She then went on to tell me she was going to call every single XXXX of my family members. She has called my immediate family and my landlord. This needs to stop what do I do?
Consumer complaint received 2023-08-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (VA)

In XX/XX/2023, I was told my va mortgage assumption application of my son-in-laws home was approved. I am a veteran an was using my benefit so I would need to move in this home as my primary residence. The bank CMG representative was very concerned that I owned two other properties. I explained that my plan was to move in after the closing. The representatives name is XXXX XXXX and to say the least is very unprofessional. My concern is with my daughter and grandchildrens welfare. 

I have called and emailed numerous times with no response. When XXXX calls who has the mortgage they tell him it will take another 6 months. At this point this sounds like a run round to me. No denial No calls just wait. I think 8 months is enough time to get this done. I hope that you can assist me in getting this bank to do the right thing. Thanking you in advance. 

XXXX XXXX
Consumer complaint received 2022-09-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Creditor Information RUSHMORE LOAN MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX not reporting information to credit bureau XX/XX/2019 my mortgage was sold to this company They removed information showing Payment information on credit report since then for years now again they closed account on my credit report ruining my credit status ... it's open it's not my flaunt they have a lot of complaints against them for a number of issues
Consumer complaint received 2022-11-08
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. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$4700.00} XXXX XXXXXXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$1700.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$920.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.