davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (TX)

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 2024-09-26
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-26
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. (CA)

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX account # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the. follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX EXPERIAN REPORT NUMBER : XXXX Subject : Non-Compliance with Section 605C and 605C ( b ) of the Fair Credit Reporting Act XXXX  Victim To Whom It May Concern, I am writing to bring to your attention Experian 's failure to comply with Sections 605C and 605C ( b ) of the Fair Credit Reporting Act ( FCRA ), which require the removal of adverse information from the credit report of a XXXX  victim within XXXX business days I have already provided Experian with the necessary documentation proving my status as a victim of XXXX  and that is my self Attestation form, in accordance with the provisions of Section 605C ( b ). Under this section, Experian is legally obligated to block or remove any adverse items resulting from the XXXX. Despite this, Experian has failed to take the appropriate actions and continues to report damaging and fraudulent information on my credit file. 

This inaction constitutes a violation of my rights under the FCRA and is impeding my ability to recover from the financial harm caused by the XXXX. According to Section 605C, survivors do not need to provide additional evidence to prove their connection with to XXXX  beyond self Attestation. Experian is required to act promptly to ensure that no further harm is caused by continuing to report this inaccurate and unjust information. 

I expect Experian to immediately comply with its legal obligations by removing all adverse information connected to the XXXX. Should this issue not be resolved in a timely manner, I will pursue further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking additional remedies through legal avenues. 

I trust Experian will act promptly to address this matter and ensure full compliance with the law. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-09-26
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-26
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. (IL)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-09-26
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)

RE : XXXX XXXX Request Dear Sir or Madam, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX
Consumer complaint received 2024-09-26
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. (GA)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

on XXXX I received an email from experian that my ss # XXXX be on the XXXX XXXX and I should put a freeze and fraud alert on my info with the XXXX agencies. It had been a while since I was in my experian account and the password wasn't working. Their system said my birth date and ss # didn't match. their phone system would not put me through to a human being to fix the problem. first it hung up on me. i tried calling the business side of the house, they said they were transferring me to the consumer side and I was on hold for over an hour. I could not correct my password so I could not log in to check my account or order a credit report. any business but especially the credit agencies in today 's world should be regulated to provide easy access to a human being to discuss and solve someone's problem. it is ridiculous that companies rely on the interactive phone systems that do not work, they just provide more company profit, higher ceo salary and are the worst invention and worst customer service ever. these credit companies wield too much power and use illogical information to come up with your credit score that can impact so much for somebody. they need to provide human contacts.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
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: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/2023
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was a victim of fraud on the XX/XX/year> and XX/XX/year>. At the time of these wires I had a lot of money in my checking accouts. I would not have overdrawn my account with these wires. I have proof that these fraudulent wires did not over draw my account ( see below ) I attached my bank online transactions from the account the money went into. you can see I clearly did not need the money Their letter states that because I had over draft protection and because these went into my own account that they are denying my claim. That is complete unfair. They should put all these back onto my credit card and take the fees off. I have banked with them for 21 years and never once did a credit card cash advance before. This letter is not right. I am a preferred rewards platinum member. I would have even had money from somewhere else if I were to over draw. They should not have done this to me. This is completely wrong. My phone was compromised as well as my bank account information. I have been a loyal client why would I need to take out these cash advances? I did not need the money. It does not make sense at all. I will attach the letter for their decision. But I feel like they are discriminating against me. I have never done these cash advances before and I did not even overdraw with the cash advances at the time. That's ridiculous. These people are trying to collect interest fro me because I never have to pay interest and I get a lot of cash rewards that I earn. This is so wrong I hope I can depend on you to help me. There was no overdraft on my linked deposit account! You can see the information above. Even if I did not hav e
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. (CA)

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 2024-09-26
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 am requesting investigation to a Bankruptcy that is on my credit report, I was never notified of a bankruptcy reporting which is a violation of my FCRA right..Bankruptcy is not Reporting on My other reporting, I requested information from the bankrutcy court of reporting to credit agencies below I will attach necessary paper work..i ask that this bankruptcy be removed from my credit report
Consumer complaint received 2024-10-17
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX  XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: VYSTAR CREDIT UNION (FL)

My credit card was turned off. ( XX/XX/ ) Even though I called VCU ( vystar ) months ago, even over a year ago to address a financial hardship I had encountered I was told that I would have to jump through some hoops, and even then there would be no promise that the interest would not stop accruing against me time and time again I would find a time to call or go into the bank itself to figure this out time and time again I was turned away without a resolution whereby I would be continually charged monthly, the accrual of interest. In three years I found it incredibly difficult to keep those payments going and now that I have this letter here informing that the credit card has been closed I feel disenfranchised. The approximate {$1400.00} that I have spent on that card which is under its limit skyrocketed to over XXXX when I could not make the minimum monthly payments. Even though I did correspond with this bank and attempted to explain my situation, I was given no do course for a resolution. This coincides with a charge to my checking account with them, that, even though I tried numerous times to address, including going into the branch, and having personnel there verify the lost money I was unable to see it all back, and as a result of being in financial hardship, that checking account was closed due to drawing a negative balance. Where I thought I had given my due diligence to point out the fraudulent charges in person at the bank one or maybe two of those charges was overlooked resulting in a few XXXX dollars being extirpated from my pocket I trusted this bank with my money to protect me in my identity and now I feel at a loss, maybe if I had more money or income they wouldve treated me better I do feel discriminated against. It is possible that it I somehow miss managed information on my end. However, having submitted the claim for at least three fraudulent charges, I have no paperwork here and no emails that would show any effect of what charges were even addressed.
Consumer complaint received 2024-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (CA)

We have a HELOC loan that originated with Specialized Loan Servicing that was recently sold to Shellpoint mortgage services. Since the switch, Shellpoint has been unable to successfully apply any of out payments to our loan AT ALL. We are receiving correspondence indicating we are behind on payments because they can't seem to apply the payments correctly. We have called 3 times and left complaints on the website and are told " we are having problems with the HELOCs ''. They are unable to give me any more information than this. 
Also, the interest calculations and the original balance on the account are wrong and we suspect foul play.
Consumer complaint received 2023-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

Freedom Mortgage did not pay our property tax bill. I paid it and contacted them about them not paying it and requested a refund. I have not heard from them again and have no other recourse. They sold the mortgage to XXXX XXXX and neither mortgage company will assist me. Please see the attachment for the " Notice of tax sale '' due to non-payment and the credit card receipt of the payment that I made.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXDTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

According to " A Summary of Your Rights Under the Fair Credit Reporting Act '' : You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items ( usually within 30 days ) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. ( The source also must advise national CRAs- to which it has provided the data- of any error. ) The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRAs investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change.

It has been more than 30 days and TransUnion has instructed me that it is not their job to investigate when " 15 U.S.C. 1681-1681u '' states otherwise.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.