davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I contacted Experian regarding have the below companies removed from my hard pull credit inquiry section. 

The reason for doing so is that I did not authorize a " XXXX XXXXXXXX '' of credit searches in an effort to get me approved for a loan. I believe that this is unfair practice to a consumer who unknowingly is having their credit harmed by several hard credit pulls with an unlimited volume of inquiries until a person qualifies. When does the search stop? At what point does a consumer have an opportunity to say, " I would like one check, '' or " 5 attempts and if we can't get approved then okay. '' If you can ask a consumer for a credit check and the check runs " blindly '' then, the consumer is clearly being taken advantage of by an inquiry that can last as much as a year in harming credit.

I do not know who all of the below companies are and why they have my information and or how my information is being protected and or governed. 

I simply want this information removed and Experian does not seem to have the better practice. 

I advised that XXXX allows for a dispute on said inquiries and their response was silence. They realized that this was clearly an option they chose to enforce at the detriment of the consumer who's hands are tied. 

This is unfair practice, please help. 

The Involved companies are as follows : 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 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive been trying to reach the right channels to resolve the errors on my credit report, but so far, I havent had any success. Its been extremely frustrating and stressful, leaving me up at night worrying about my financial future, as these inaccuracies are unfairly affecting my credit score and blocking my credit applications from being approved.
Consumer complaint received 2024-10-31
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. (CA)

Re: NOTICE OF METRO 2 NON-COMPLIANCE  DEMAND FOR IMMEDIATE 
REMEDIATION
Account: XXXX XXXX
This letter is a formal notice regarding severe inaccuracies and Metro 2 reporting violations
associated with the above-referenced account. Your agencys incorrect reporting of this account 
violates my rights under the Fair Credit Reporting Act (FCRA) and causes significant damage 
to my credit profile. Immediate correction is required to avoid further escalation.
Violations Identified for the XXXX Account
XXXX Incorrect Late Payment Reporting on a Closed Account
o The account shows 60-day late payments in both XXXX and XXXX 2024. Metro 2 
guidelines prohibit reporting new delinquencies on closed accounts.
2. Discrepancies in Last Activity Dates
o XXXX  lists the last activity as XX/XX/2024, while Experian reports it as 
XX/XX/2024, and XX/XX/XXXXreflects XX/XX/2024. This inconsistency directly violates 
611 of the FCRA, which mandates accurate and consistent reporting.
3. Failure to Align Payment History with Account Status
o The payment history indicates multiple late marks even after the account is 
marked paid and closed, which creates an inaccurate reflection of the account's 
standing.
4. Dispute Status Not Updated
o The account is incorrectly marked as "Account Not Disputed", despite previous 
efforts to correct the reporting. This non-compliance with 623 of the FCRA
demonstrates a failure to properly handle disputes and ensure accurate updates.
5. Conflicting Remarks and Status
o Remarks state, "Closed or paid account / XXXX XXXX, fixed rate," yet late 
payments continue to be reported post-closure, which is contradictory and noncompliant with Metro 2 formatting.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

The Experian website is down, so I can not implement a credit freeze. However, when I tried to call customer service during business hours, there are XXXX different numbers that just send you around and around automated messages, and eventually tells you to end the call. I finally found a number on XXXX of all places that connects you to a real person, but it's clearly for the wrong department, and I've been on hold for half an hour now.
Consumer complaint received 2024-07-19
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. (NJ)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-08-26
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)

XXXX XXXX Amount past due {$570.00} XXXX XXXX 15 USC 1692 ( c ) ( c ) is a section of the Fair Debt Collection Practices Act ( FDCPA ) 12.The section ( c ) of 15 USC 1692 states that1 : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX )
Consumer complaint received 2024-07-19
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. (NC)

I recently at a copy of my credit report and noticed several inaccuracies on my accounts. These accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the accounts I am asking you to verify as accurate : 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 XXXXXXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A State 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
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

What could possibly worse than having your complaints sent out only for it to not be fully attended to? I sent a complaint a month ago about the inaccuracy on my report, none of which has been taken care of so far.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (AZ)

Numerous phone calls ( early morning thru late evening ). Caller ID says XXXX service ; numbers have been blocked ; but they still call. I do n't answer - do n't know " them '', did n't ask then to call me, assume its scammers. This has been going on for 18 months. Local phone provider says " Oh, too bad, not our problem. " Today I reluctantly called them ( after being called at XXXX last night ) and told them to leave me alone. They are : Pioneer Credit Recovery, IncXXXX I read the riot act to someone claiming to be XXXX XXXX. I asked what scam they are running. Please investigate these people and their " debt collection '' techniques.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

Im tired of arguing with Experian. Im sure all of these problems would go away if I just paid their ransom for my information. I and hundreds of other people would rather see this reporting company closed down. They continually " have a hack '' ( we all know they are selling our information } and its getting very upsetting. Please close this company down
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (AZ)

XXXX IS TOTALLY DEFRAUDING ME WITH MY CHECKING ACCOUNT. THEY ARE STEALING MY MONEY OUT OF MY ACCOUNT. I CONTACTED THEM TODAY. XX/XX/2020 APPROXIMATELY XXXX XXXX  ARIZONA TIME. AND THE LADY WAS ON THE PHONE ASKING ME FOR MY INFORMATION. MY ACCOUNT NUMBER THAT IS : I PROVIDED TO HER ON THE PHONE. AND SHE SAID TO ME ... THE ACCOUNT NUMBER ISN'T WORKING. I SAID, THAT IS MY ACCOUNT NUMBER TO MY CHECKING ACCOUNT WITH " U.S. BANK '' FOR OVER `15 SOME YEARS I WAS BANKING WITH U.S. BANK. THEY ARE STEALING MONEY FROM MY ACCOUNT ... ACCORDING TO DIFFERENT BALANCE SHOWS ON BANK STATEMENT UNSCRUPULOUS DISSEMINATION MY RECORDS SHOWING {$7700.00}. BUT, STATEMENT SENT TO ME SHOWING {$5000.00}. I AM AN ELDERLY SENIOR CITIZEN. THEY ARE DOING THIS TO ME FRAUDULENTLY SCHEMES AND FRAUDULENT ARTIFICE AGAINST ME AND MY HARD WORKS EARNING IN MY LIFE ... .I AM ASKING FOR A STRICT SCRUTINY INVESTIGATION PLEASE. MY DAUGHTER SHE'S A 4 YEARS COLLEGE GRADUATED. IS HELPING ME NOW AND THAN ... BUT SHE'S BUSINE WITH HER JOB AND HER FAMILY FUNCTION. I RESPECT MY DAUGHTER XXXX FOR THAT. SHE'S BUSY WORKING AND TAKECARE OF HER FAMILY. PLUS ; HELPING DAD WITH MY FINANCIAL SITUATION. Because I am getting older and older. But, God will inspired me of BAD THINGS PEOPLE ARE DOING TO ME, TO BE AWARED OF EVERY DAY LIFE ... THANK YOU FOR HELPING ME PUTTING A STRICT SCRUTINY INVESTIGATION TO MY HARD WORKED EARNING U.S. BANK EMPLOYEES ARE TRYING TO ROBBED ME AND MY BANK ACCOUNT. IS A TOTAL LAW VIOLATION. MY ACCOUNT # XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX BALANCED {$500.00} XXXX XXXX  XXXX BALANCED {$870.00} XXXX XXXX BALANCED {$470.00}
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX XXXX {$160.00} XXXX  XXXX {$53.00}
Consumer complaint received 2024-07-19
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. (IL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the XXXX XXXX XXXX. 

XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 

15 U.S.C 1681 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.V 1681c ( a ) ( 5 ) 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, 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. (TX)

I received a denial for credit notice from XXXX XXXX   in XXXX. I registered a CFPB Complaint on it as I never applied for credit with any one this year much less XXXX XXXX. In their response they noted they do the financing for a company called XXXX XXXX XXXX ( XXXX ). XXXX said XXXX sent them a request for credit approval on my behalf. I have no idea who this company is and I have had no medical procedures in a year and half and that one is paid for. I have none scheduled this year and owe no hospitals, urgent cares, specialist or doctors of any kind. I have had 2 visits to my Primary Care Provided doctor and those were covered with my copay. XXXX had no authority to request XXXX XXXX  to pull my credit.
Consumer complaint received 2024-10-31
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. (CA)

I am writing to formally submit a complaint regarding multiple fraudulent and unauthorized credit inquiries that have appeared on my credit report without my knowledge or consent. These inquiries are not only inaccurate but have also impacted my credit score and financial standing, causing me significant distress and concern.
Consumer complaint received 2024-07-19
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. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-19
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-07-19
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. (NY)

I am writing to follow up on my previous disputes regarding the inaccurate and invalid negative account still being reported on my credit report. The account in question is being reported across all three credit bureaus with significant discrepancies, as demonstrated in the attached documentation.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports
Consumer complaint received 2024-07-19
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. (FL)

I was just looking over my credit report and found some information about history payment/rating, inaccurate balance, date of last activity, dispute status, inaccurate credit remarks, unaccrued balance that is incorrect. 

Also under FAIR CREDIT REPORTING ACT for these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 : STATE I HAVE TO RIGHT TO PRIVICY.

15 U.S.C 1681 SECTION 604 SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITING INSTRUCTIONS.
Consumer complaint received 2015-09-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Santander is not following XXXX guidelines for XXXX lien holders. I am currently in the process of doing a short sale. The first lien holder - XXXX has approved our short sale and allotted Santander the required amount. Santander is dragging their feet not issuing an approval. The first lien holder will not stop the scheduled sheriff 's sale for Monday XXXX XXXX without Santander issuing an approval letter. We are doing the right thing following XXXX guidelines for a short sale and Santander is not.