davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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. (MN)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$380.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$180.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
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. (KS)

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 2024-10-18
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-18
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. (AR)

" 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 2017-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX We contacted Capital One about the account and they told us that they did n't have any record of the account because they had turned it over to a collection agency. We then contacted that agency and they said that they did n't have it anymore and that Capital One had taken it back. We then called Capital One back and they said that there was no payment ( s ) needed because the account was basically forgiven. At this time we thought everything was on the go so we proceeded on trying to purchase a house. 



XXXX/XXXX/XXXX I got a call from the lender today stating that we had an issue with the Capital One credit history in the amount of {$660.00}. The lender said that we needed to get the 90 and 120 day late payments that Capital One reported to the account off and why on the credit report it states that the status is a " Profit and Loss '' account. I called Capital One in regards to this and they stated that they do n't report Profit and Loss, but they could not explain why. I then asked them to remove the 90 and 120 day late payments off because at the time they closed the account I was the only one working at home and I was put in the hospital for 1 week and out of work for 3 weeks. During this time we were trying to catch up on the behind payments but just was n't able too due lack of funds. At this time they stated that we were in a dispute with them that was not resolved but they reported that it was. When we contacted them about removing the late payments all they said was they would get in touch with their credit department and make sure it was n't misreported. So I called XXXX XXXX and stated a new dispute with them against Capital One on these matters. I need these matters taking care of ASAP so that i can go forward with the closing on my new home mortgage. This is the only thing holding us up at the present time to get the loan.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

My address on my credit report is wrong. I was told by an Experian representative that I can not dispute personal information such as my address. I have talked to 2 people at Experian by phone. I first contacted XXXX or about XXXX. 

XXXX reference # for XXXX XXXX XXXX XXXX XXXX On my credit report it says I can file a dispute at www.experian.comXXXX but when I fill out the information and submit it says it ca n't honor the request to submit a dispute online. They actually said i can not dispute incorrect personal information such as an address I never lived at.
Consumer complaint received 2024-10-18
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)

I am writing to formally dispute the reporting of two charge-off accounts on my credit report associated with XXXX XXXX. 

The account numbers in question are : Account Number : XXXX Account Number : XXXX I believe these accounts have been inaccurately reported as charge-offs. I have reviewed my records and have reason to believe that this information is incorrect. The reporting of these accounts has adversely affected my credit score and overall financial standing.
Consumer complaint received 2024-10-18
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. (ME)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (NY)

In XXXX my husband and I purchase a XXXX home a lemon a money pit financed by XXXX XXXX NY, unfortunately in order to keep up to date with the mortgage payment we filed XXXX  XXXX for credit card debts, in XXXX We remain current on my mortgage payments until XXXX. Trying to maintain property we fell in default 2x and was approved for XXXX 2x for a modification loan. 
In XXXX XXXX after taking all monthly payment from us but never reporting them to credit bureau transferred our mortgage to Rushmore management. 
In XXXX  my husband needed an emergency heating system replacement in addition emergency repairs were also needed. we fell behind four months mortgage I reach out to the Rushmore management the services assigned by XXXX in XXXX. Rushmore management advised me to apply for another modification I kept calling them and emailing them every week for status updates and was ask to resubmit multiple times documents we were waiting for modification approval for 10 Months in XXXX of XXXX A modification offer was approved, doubling our monthly mortgage payment with a high interest, I denied the offer in writing explaining that we can not afford to pay higher monthly mortgage In XX/XX/XXXX my daughter who serve in XXXX XXXX XXXX was XXXX  for two months it was a very hard season to minimize stress In XXXX of XXXX I mailed a certified bank check to cover the 12 months now due to bring mortgage current, Rushmore refuse payment and returned certified check my home continued in illegally foreclosure process while waiting for a modification approval I applied for help when my loan was only four months delinquent servicer Rushmore management advised me to apply for another modification. 
To date Rushmore refuses to work with me directly and imposes additional attorney fees and foreclosure fees in which we can not afford to pay there attorney, Rushmore attorney have me In foreclosure settlement conference every month XX/XX/XXXXXXXX   is the next settlement conference I need help in keeping my home and holding XXXX and there attorney and servicer accountable for the mental physical stress this has cause me and my family and financial hardship my tax liabilities I had to pay because my mortgage payment was not credited See attached
Consumer complaint received 2023-07-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Nolensville Road Auto Mart, Inc. (TN)

I have tried to settle out the final payoff of my auto loan with Automart. To date I have paid {$10000.00} to this but here pay here lot. 
Down payment : {$1500.00} XX/XX/XXXX Sale Price : {$8400.00} Sales Tax : {$670.00} Title : {$100.00} Admin Fee : {$340.00} XXXX : {$590.00} ( never seen this on a contract and researched to no avail ) Total Balance : {$8700.00} From XX/XX/XXXX to XX/XX/XXXX I have paid : {$9600.00} in monthly payments. 

Dealership apr 24 % Finance Charge : {$3100.00} Dealer is gouging out the payoff. The last scheduled payoff on contract would be XX/XX/XXXX. 

I am being informed I still have a remainder of : {$2100.00} This doesnt add up as I would be paying {$11000.00} and the full term of the loan would be {$11000.00}. Paying the car off a year and 2 months early and only saving {$43.00}. It is my belief that this car dealer should be investigated and observed for misconceptions of the contract.
Consumer complaint received 2024-10-18
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. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : Social Security Number : XXXX To Whom It May Concern : This is yet another attempt Im taking solely for the purpose to update my personal information. 

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

15 USC 1681 a There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 

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. 

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Consumer complaint received 2024-10-18
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. (AL)

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 2021-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (FL)

I applied for the loan online and was approved for XXXX. XXXX of this loan was to pay off one of my creditors and they sent that money to a creditor I don't even have. Now I've been dealing with trying to call and get all this situated on a XXXX loan that I'm still missing the XXXX but paying the full XXXX amount term and payments. Plus, I'm having to pay the original loan off that Upgrade was suppose to pay off because they sent the money to the wrong creditor. Now I'm being punished and told to be patient while the banks try to resolve the issue and get the funds back to their bank so they can reissue the funds back to me. It is going on almost a month now and I've been getting the run around about Upgrade waiting for the funds from another creditor being returned to their bank so they can return them to me. In this day and age, I find it unfathomable to get a credit back from a bank in 7-10 days NOT 30 and counting. I will NOT every be using this company again and will let others know of how inconvenient this whole process has been and the run around they will get also.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Dear Consumer Financial Protection Bureau, I am writing to formally raise concerns regarding the practices of the credit bureaus in relation to my recent disputes. My experience indicates a lack of proper investigation into the information provided by creditors, as well as inadequate responses to my inquiries. 

On XX/XX/XXXX, I submitted a dispute to the credit bureaus, requesting that they verify the accuracy of specific account information. I have tracking receipts confirming that the bureaus received my disputes. However, after 30 days without any response, I followed up with another dispute, asking for verification of the negative items on my report. In my request, I emphasized the necessity of having a live person involved in the verification process to ensure accuracy. 

Despite my efforts, I received no relief or evidence of any investigation from either the bureaus or the creditors involved. I have documentation of my communications, including tracking receipts showing that the disputes were acknowledged between XX/XX/XXXX and XX/XX/XXXX. 

Moreover, I noticed significant discrepancies in the reporting of late payments across the different credit bureaus. I highlighted these discrepancies in my correspondence and provided copies of each credit report for comparative purposes. Unfortunately, my concerns have not been addressed, and the errors remain unresolved. 

These experiences lead me to believe that the credit bureaus are engaging in passive reporting and verification practices, rather than fulfilling their obligation to conduct thorough investigations. This lack of action appears to reflect a disregard for the accuracy of the information they report. 

I respectfully request that the CFPB investigate these practices and hold the credit bureaus accountable for their responsibilities under the Fair Credit Reporting Act. Accurate credit reporting is vital, and I believe that consumers deserve diligent investigation and correction of any inaccuracies. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-18
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)

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 2024-10-18
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. (AR)

Problem is Experien reporting some type of child support debt from Arkansas, which is duplicating the Florida Child support already on credit report. The amounts are unknown as Experien keeps reporting different amounts that vary in tXXXX XXXX XXXX XXXX XXXX. I can provide screen shots. The company has taken no action to actually verify the debt nor has it acknowledged a signed court order showing that the Jurisdiction for this matter is in Alabama. Experien has not acknowledged as well that it is duplicating a debt in Florida and Alabama which makes it appear I owe two separate states some type of child support. Experien will not acknowledge a judges signed order that the matter only has jurisdiction in Alabama. The amount can be over $ XXXX or $ XXXX or even $ XXXX approximately. I've attached screenshot of the $ XXXX and can provide more if needed, but even with that Experien always reporting inaccurate amounts.
Consumer complaint received 2024-10-18
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This

provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-18
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. (DC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-18
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. (WI)

Upon reviewing my credit report, there were a few accounts listed that did not belong to me. Here are the accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX