davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I 'm making this complaint against Experian because they are continuing to report these parking tickets and I am including documentation that proves that they are not NOT allowed to report them. I 'm including XXXX articles that support my claim and these tickets MUST be removed immediately as they are illegally reported on my credit file. 

" Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, XXXX fees or fines, XXXX, XXXX, and court fees or fines. '' These are the items that I am disputing : City of XXXX XXXX account # s XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Attached you will find my credit report, dispute letters, identification and supporting documentation. Experian has also stated that they will NOT reinvestigate my claim.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (TX)

XXXX The information attached is from XX/XX/2010. The documentation provided to The Bureau as it relates to my calculations show specifically that there is Absolutely Unequivocally no such amount due whatsoever. I have provided the Sworn Affidavit submitted signed and notarized by the Custodial Parent there was paid directly to her $ XXXX plus. The information suggests Interest you ca n't charge me interest if payments were made. 

Secondly there is Affidavit from the Attorney General stating there is noting outstanding and I demand this cleared up now, post haste. This egregious reporting is affecting many things and to be ongoing for as long as it has when I have had more than XXXX entities and individuals attempt to clear up this matter ; I believe it has gone on long enough. Far to long.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TN)

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX acct-XXXX, XXXX XXXX acct # XXXX and they have failed to do so.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

For the past several, years I have gone on line to try to obtain free report and have been unable due to not be able to enter the jungle of numbers/laters OR not seeming to get the numbers things correct such as today about XXXX to XXXX question related to XXXX and all were not related to me or my history,. they were on a mortgage and I have XXXX not since XXXX.
Consumer complaint received 2024-08-29
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. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (CO)

My ex husband opened an account in my name without my knowledge. He then had the address for the statement sent to an address I was unaware of and then defaulted or was late on a payment. I have tried contacting the company in question to tell them this is a fraudulent account but they have not removed the derogatory marks from my credit report. I have tried disputing the items as well with the bureaus. These marks are negatively affecting my ability to secure a home loan.
Consumer complaint received 2024-08-29
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-29
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 have attached an FTC report for you to finally give attention to my case. I am in distraught that none of my requests are being given attention to, and none has been taken into consideration. My credit scores have negatively affected me and I could make use of therapy but even that I can no longer afford because of how badly my financial report has become.
Consumer complaint received 2024-08-29
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. (NJ)

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 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

To whom it may concern, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the numerous written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite numerous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Also I noticed a XXXX initial fraud alert was placed on my account. I have never requested this before and I am demanding for it to be removed off my account immediately. 


I demand the following accounts be verified or the deleted immediately. 

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account
Consumer complaint received 2024-08-29
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. (FL)

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 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Great American Finance Co (NE)

Great American XXXX XXXX ( XXXX ) sent consumer a settlement offer to remedy account # : XXXX in the amount of {$1400.00}. Consumer used a credit card to pay the amount of {$1400.00} on or before XXXX XXXX 2016. Consumer was promised that if payment was received by that date Great American XXXX XXXX would report to all XXXX major credit bureaus the payment and remedy consumers account. Consumer sent payment by credit card ( confirmation number : XXXX ) and continues to receive past due statements requesting payments in the amount of {$84.00} for the account referencing # : XXXX. Consumer wants the account credited the amount promised and closed as promised by Great American XXXX XXXX ( XXXX ). Consumer has paper documents to verify the interaction and will mail those documents to the Illinois Attorney General 's Consumer Protection Division of XXXX office and cite fraud and extortion as there are numerous complaints online to verify this type of fraudulent behavior from many consumers who have interacted with Great American XXXX XXXX Consumer wants Great American XXXX to either return the money of notify the XXXX major credit bureaus that the debt has been satisfied and is no longer viable as promised.
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Stearns Ventures, LLC (CA)

I am a first time home buyer and I purchased a home using Stearn 's Lending Mortgage Brokers in XXXX 2016. I was failed by Stearn 's Lending and the apprasial company because I trusted what I was told by both the apprasier and the mortage broker. The apprasier valued my home for XXXX without considering the roof and the bank allowed this to happen. I am now in a hardship financial situation now because the apprasier that was selected by Stearn 's Lending to appraise my home did not appraise the roof for any damage or age issues. I questioned my Stearn 's broker about it and told her I was not happy that the roof was not apprasied and how could the life span of the roof not contribute to the value of the home. I asked for the appraiser to be contacted and asked to go back and appraise the roof but she said they were not able to interact with the appraiser because they were an independent company. That made no sense to me but sense I was a new home buyer and trusted her information I believed her. Now that I have closed on the house, I learn that there are XXXX roofs on the house with a hole in the left corner and dryrot all around the whole perimeter of the house. I 've had XXXX roofers look at the roof and both said they would not patch a roof with that much dryrot so my only option now is to replace the roof. That is XXXX plus for me to pay when it should of been addressed before I purchased the home. The roofer also noticed that part of the outside wall of the back of the house was not wood but actually plaster! I was told that the seller did that cheep repair just to sell the house but when it rains, that plaster is going to start crumbling. The seller also repaired the master bedroom celing by spraying a sealant instead of using sheetrock. Once again here is something that should of been reported by the apprasial because it was visually accessable to him but it was n't listed at all. I want CFPB to look into my problem because I am in a hardship situation and I feel like I was taken advantage of. The value of the home could not be what the apprasier set it as with a roof with dryrot and a hole in it. I feel like there was some sort of fraud or neglect by the apprasier and the mortgage broker to protect me and put me in a house that is totally functional. Since they did not protect me it has left me in a financial hardship and a home that may incure structure damage and be inhabital for me and my son to live in if I do n't get this roof and wall repaired. I am devistated, please help me. Thank you
Consumer complaint received 2016-08-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (GA)

On XX/XX/2016 we made a deposit to our checking account through the ATM that should have covered another check we knew we would be writing later that day. Our deposit slip from the local ATM branch DOES NOT state funds will be withheld or not immediately available at the bottom. The following day, I have an overdraft fee on my account that I can not understand. Online banking register shows the deposit being made several line items BELOW where the other check was processed, yet I am charged. Both transaction dates state XX/XX/2016 online and deposits are considered before withdrawals. In speaking with a bank rep over the phone, I am informed that online banking will display deposits on the date they are initiated and NOT necessarily when they are available. He offered to mail me a pamphlet explaining PNC deposit policy. My complaint? If PNC would instead make it crystal clear to their customers by displaying these deposit transactions by the processing or availability date instead of the initiation date ( most people know when they make deposits anyway ) many customers would then be able to correct these issues or modify their deposit methods. They could also consider displaying the " These funds are not immediately available '' clause at the bottom of ALL printed receipts instead of a select few further confusing the customer ... of course, PNC would lose money ... so ...
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a Bank of America account XXXX XXXX 2016 in the branch and was told that initially my account was denied because I was in XXXX. I brought a letter from XXXX XXXX Services proving the account listed was fraudulent and verified as not mine. The branch manager called risk management and overrode the system and gave approval for me to open checking and savings. I deposited {$25.00} to each to open. The very next day, the accounts were closed because of XXXX so I went back in to the branch and so began a month long journey. First I was told it needed to be escalated to the Marketing Managerr XXXX and that I would be able to open it in a few days. Called back and was told he approved it and risk management overrode him and refused to open the account. I called risk management and was told that there was an issue and they would not override the decline and needed the marketing manager to approve it again. I called the branch and was told by XXXX that she was emailing him for an answer. This went on for two weeks and no one ever had an answer for me. I 'm still going back and forth between risk saying its the marketing manager and the manager saying its risk who wo n't approve the account
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed this account time and time again submitting undisputable proof and only receiving the same results. This account is in violation of being deleted then place back on my report by changing the dates on the file. They are also only verifying the name and address with the grantor they are not taking into consideration the proof I have attached which shows that they made errors. The proof also show that the foreclosure was stopped by the courts and reconciled. Every account on my credit file is paid as agreed this account has hurt me tremendously.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

I found several ( XXXX ), derogatory accounts on my credit report that are older than 7 years. I have been a lazy credit keeper concerning my credit reports and assumed, by my mistake, the credit bureau would automatically remove ones over 7 years old, they have not. I read I have the right for their removal, and that 's what I am asking. There was a discrepancy some time ago, but I do n't remember when.
Consumer complaint received 2024-09-23
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: National Credit Adjusters, LLC (TN)

Complaint Regarding Violation of FCRA Rights by XXXX and National Credit Adjusters LLC Dear CFPB : I am writing to formally file a complaint against XXXX and National Credit Adjusters LLC for their violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The specifics of this complaint are detailed below. On XX/XX/XXXX I disputed an account reported by National Credit Adjusters LLC, with the original creditor being XXXX XXXX, on my XXXX credit report. The dispute in question was investigated and closed in under 24 hours, which strongly suggests that a proper and thorough investigation was not conducted by XXXX, in direct violation of FCRA laws. 
The fact that XXXX closed my dispute within 24 hours shows a lack of diligence in their investigation process, as they are required by law to conduct a reasonable investigation under the FCRA. This cursory action disregards my rights as a consumer and violates the obligation of credit reporting agencies to fully investigate disputes. in accordance with 15 U.S.C. 1681i.And a Violation of FCRA ( 15 U.S.C. 1681c ) Re-Aging of Debt : Upon reviewing my credit report obtained from XXXX, I found that National Credit Adjusters LLC failed to report the date of first delinquency as required by law. The first date of delinquency, which should be XX/XX/XXXX, has not been reported. Instead, they listed the account as being opened on XX/XX/XXXX, which constitutes a clear case of re-aging, an illegal practice under the FCRA. This misrepresentation extends the time that the debt remains on my credit report and causes undue harm to my credit score and financial reputation. Due to these violations of my rights as a consumer, I respectfully request the following actions be taken : Immediate deletion of the account reported by National Credit Adjusters LLC from all 3 of my credit reports. Compensation from both XXXX and National Credit Adjusters LLC for their negligence and violations of federal law, specifically related to my rights under the FCRA. A full investigation into the actions of both parties, including whether XXXX has violated its duty to properly investigate disputes and whether National Credit Adjusters LLC has intentionally engaged in the illegal re-aging of debt. If this matter is not resolved to my satisfaction within a timely manner, I will not hesitate to retain legal counsel to pursue further actions for the willful violations of my rights under the FCRA.Thank you for your time and attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This account is being reported as 120 days late and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to XXXX in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX on several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. Please delete this account immediately from my credit reports.