davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I just checked and reviewed again my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I've been a XXXX XXXX  client for probably close to 20 years. And there has never been a single late or missed payment on that account for at least a decade ( if ever ). 

On an tangent note, I haven't had a single missed or late payment on any credit source for at least 10 to 15 years. 

I had a XXXX percent balance transfer that was coming due and they emailed me a " valued customer payment plan. '' It reduced the fees and extended the payment length. It sounded like a nice option, so I accepted and continued to make the same monthly payments that I already automated from one of my banking accounts ( wells fargo ). 

Fast forward a few months and my credit report was hit was an alert. It was stating that I missed three consecutive payments which reduced my credit score by nearly XXXX points. 

I reached out to remedy and they stated that was " the penalty for accepting the new plan '' and refused to adjust. I tried to get Experian to challenge and they rejected them as well. 

I had the cash to pay the entire amount at the time it was due. This is a terrible and downright fraudulent business practice.
Consumer complaint received 2024-10-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (FL)

This request follows multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX XXXX XXXX, specifically by their representative, XXXX. 
Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00} To provide some background, I initially filed a complaint with the CFPB against this collection agency, which has had my account since XXXX. During the investigation, XXXX XXXX XXXX falsely claimed to have interviewed me under pretenses of impersonating the loan financing company, which was not disclosed to me. They violated my HIPAA rights by collecting my personal demographic information and details about my living arrangements. Additionally, they made unsupported claims about servicing a vehicle, for which they have never provided proof, as this service never occurred. They even falsely stated that I purchased a different vehicle, which I never informed them of. Misrepresentation : In violation of XXXX5 U.S.C. 1692e, XXXX falsely represented himself as the original lender or another unauthorized entity. This is a clear attempt to deceive me into making payments under false pretenses, which is illegal under federal law. 

On XX/XX/XXXX XXXX contacted me regarding this account and engaged in conduct that directly violates the FDCPA. Specifically : Verbal Threats : Additionally, XXXX threatened me during our conversation, stating, " What are you trying to do, clear your credit or something '' and went as far as threatening me by stating that he has my address and personal information and will make me pay. which constitutes a violation of XXXX XXXX.S.C. 1692d. This law strictly prohibits debt collectors from using any form of harassment, intimidation, or threats of violence when attempting to collect a debt. His behavior left me feeling fearful for my safety and well-being, and such tactics are not only unprofessional but unlawful. 

These actions are in direct violation of the FDCPA, and as such, I am formally demanding that the following actions be taken immediately : According to XXXX XXXX XXXX XXXX, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates the laws : 15USC 1681i, 15 USC 1681s-2.15 USC 1681i ( 5 ), 15 USC 1681 e ( b ). Delete this a
Consumer complaint received 2024-10-15
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. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-15
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 recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-15
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. (OH)

I received a letter from XXXX dated XX/XX/year>, stating that they have deleted the XXXX XXXXXXXX bankruptcy from my file due to the data being unverifiable. XXXX sited this according to the FCRA 15 USC 1681 et seq. Experian, XXXX and XXXX failed to remove the same bankruptcy from my report stating that XXXX has verified it after XX/XX/year>. This is a violation of my rights and I demand that this information be deleted immediately.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

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 2024-10-02
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)

Recently reviewed my reports and found some inaccuracies on them involving accounts that's not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

Account Number : XXXX, Company name : XXXX Account Number : XXXX, Company name : XXXX Account Number : XXXX, Company name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Company name : XXXX XXXX  Account Number : XXXX, Company name : XXXX XXXX  Account Number : XXXX, Company name : XXXX XXXX  Account Number : XXXX, Company name : XXXX XXXX  Account Number : XXXX, Company 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 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 2024-10-02
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)

As a living woman, I have been illegally impacted when it comes to my credit report and the reporting of negative items on my report that I never gave consent to those proceedings in the first place. It is my understanding that according to FCRA creditors must have accurate information reporting and also obtain my permission as a consumer before reporting. This has not been done and my privacy rights have been violated. 

Account : XXXX, Account # XXXX, Amount : {$130.00} Account : XXXX, Account # XXXX, Amount : {$130.00} Account : XXXX / XXXX, Acount # XXXX, Amount ; {$1000.00} Account : XXXX, Account # XXXX, Amount ; {$990.00} Account : XXXX XXXX, Account # XXXX, Amount : {$400.00} Account : XXXX XXXX  XXXX, Account # XXXX, Amount : {$940.00} Account : XXXX, Account # XXXX, Amount : {$1500.00} Account : XXXX, Account # XXXX, Amount : {$2000.00} Account : XXXX  XXXX XXXX, Account # XXXX XXXX Amount : {$620.00} Account : XXXX XXXX, Account # XXXX XXXX Amount ; {$900.00} Account : XXXX, Account # XXXX, Amount : {$940.00} Account : XXXX, Account # XXXX, Amount : {$580.00} Account : XXXX XXXX, Account # XXXX, Amount : {$4300.00} Account : XXXX XXXX, Account # XXXX, Amount ; {$2300.00} Account : XXXX, Account # XXXX, Amount : {$390.00} Account : XXXX, Account # XXXX, Amount : {$1200.00} Account : XXXX, Account # XXXX, Amount : {$1000.00} Account : XXXX, Account # XXXX, Amount : {$1000.00} Account : XXXX XXXX, Account # XXXX, Amount : {$2000.00} Account : XXXX XXXX, Account # XXXX, Amount : {$780.00} Account : XXXX, Account # XXXX, Amount : {$2400.00}
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 2024-10-02
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 XXXXXXXX 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX I am writing this complaint because I have tried working with the company and the credit bureau to resolve the fraudulent accounts that are on my credit report. I have provided them with a copy of my drivers license and a copy of my Social Security Card as proof that I never opened any of the accounts listed and they are saying that because they have my personal information and the wrong address this is my account. But this is truly Identity theft and under the section 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. Of 15 U.S. Code 1681c2 - Block of information resulting from identity theft The following accounts must be removed and permanently locked from my credit report. 
The accounts are listed as : XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Open XX/XX/XXXX XXXX. XXXX Account XXXX XXXX XX/XX/XXXX XXXX. XXXX Account XXXX Open XX/XX/XXXX I am asking that your company make them comply with the FCRA or fine them and I will also file a lawsuit against them.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-02
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-02
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. (CO)

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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NY)

While trying to make a mortgage payment on XX/XX/year>, I could not use the online website because I am on a payment plan due to earlier financial difficulties, and the website does not support payment plan payments. I then tried to make a payment via telephone at XXXX eastern standard time. After accessing my account I was given only one payment option through the automated system. That option was for {$20000.00}. My mortgage payment is {$3800.00}, but I was not allowed to enter that amount. 

I then prompted the system to transfer me to a live agent. Although my call was made at XXXX, I was notified that there were no agents available. I was subsequently told on XX/XX/year>, while complaining to a supervisor via phone, that operators are available until XXXX. None made themselves available to me during my call. 

Phone payments are accepted until XXXX eastern time according to Shellpoint. So I called back at XXXX eastern time to make the payment. Again I was given the single, arbitrary payment option of {$20000.00}, and no help from a live agent. This has resulted in not only a potential 30 day late notation on my credit report, but also having my payment plan terminated. 

Although this is clearly the fault of Shellpoint 's automated phone payment system and the negligence of their agents, I was told by their supervisor that they couldn't accept a late payment and there was nothing they could do to help me.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have pulled a copy of my credit report and found that there are fraudulent accounts and addresses that I have never lived at. I have asked the credit reporting agency to remove the addresses that I have never lived at and they refused to do so stating that the fraud accounts are at that address. But if the accounts are fraud and not tied to my correct address, they should remove the fraudulent accounts and the fraud addresses. My correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The address listed below I have never lived at, and they must be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 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 the 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.