davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (NV)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian is reporting unauthorized inquiries on 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
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Subject : Failure to Notify of Investigation Results and Inaccurate Reporting by XXXX and XXXX Dear CFPB Representative, I am filing this complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by both XXXX and XXXX. I have repeatedly disputed an inaccurate late payment on my XXXX account that has been paid in full and closed. Despite submitting disputes, the investigation process has been mishandled and severely delayed. 

The inaccuracies include : Experian reporting a XXXX late payment without ever reporting a XXXX late, which is inconsistent with reporting guidelines. 
Inconsistent reporting of this late payment across different credit bureaus. 
What concerns me further is that I was not notified of the results of the investigation as required under FCRA. It has been well over 30 days since I initiated the dispute, and yet I have received no communication regarding the findings or resolutions of the investigation. This is a clear breach of the FCRA, which mandates that the results of any investigation be provided to the consumer within a XXXX period. 

I demand that this issue be escalated and investigated immediately. Experian and XXXX must provide me with the results of the investigation promptly, or the inaccurate information should be deleted from my credit report across all bureaus. I have followed all necessary steps to dispute the issue, and their failure to notify me within the legally required timeframe is completely unacceptable.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am currently reviewing my Experian Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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, Experian, and XXXX data breach.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The credit bureaus are not respecting my right to privacy under 15 USC Code 1681 section 602 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The credit bureaus are sharing my information to third party companies without my consent which is affecting my credit score in negative ways by reducing my score.
Consumer complaint received 2024-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (LA)

I received a late notice for my mortgage in XX/XX/year> which I always pay in full every month. When I called on XX/XX/year>, to look into what was going on, it turned out the problem originated from my new insurance policy. I had re-done my XXXX insurance policy in the spring or summer of 2024 to account for a new roof I had installed. Shellpoint still had XXXX insurance policies on the books in my account even though the old one was marked expired according to the rep. I was being charged for both policies for the escrow account. The one that ends with XXXX should have been removed. The rep said it could take 30-45 days to re-run the escrow. In the meantime, I should pay my overdue mortgage amount. I told her I couldnt because I didnt have thousands of dollars lying around. 
I asked to speak to a supervisor, who told me his name is XXXX XXXX. He said he would have an expedited run on the escrow, and it would take a week. In the meantime, he recommended that I pay my XXXX mortgage early to prevent getting more threatening letters and calls. He opened up case number XXXX for the matter. He said he also opened up case number XXXX to make sure my credit score wouldnt be affected. 
I called back on XX/XX/year>, more than a week later. It seemed that nothing had been done on my account. I spent a long time on hold with someone in the insurance department who said after a long while that she got the extra insurance removed from my account. They transferred me back to customer service who assured me I have no late charges on my account, but Im not sure its true. I see on my last statement that I have Total Fees and Charges for {$44.00} and Overdue Payment for {$510.00}. 
The rep also said it would take a couple of weeks to re-run the escrow. It should have been done already per the expedited status I was promised on the XX/XX/XXXX call. I asked to speak to a supervisor again, but I was put on hold for a long time. I had been more than an hour on this call, and I had to hang up and do other things. 
Im writing this complaint to make sure : * The escrow and billing accurately reflect what I owe * That no charges or fees stemming from the companys mistakes are charged to my account * That my credit score is not affected by the companys mistakes. 

I acted responsibly by paying my mortgage on time, early paying to cover for their mistake, and spending lots of time on hold and navigating their phone trees. I would like a letter of apology, also.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (PA)

Citibank told me before that savings and checks can be exempted from the maintenance fee of the checking account, totaling {$1500.00}. The maintenance fee of {$15.00} will be deducted from my account on XX/XX/year>. Citibank has no information to inform customers.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/24 Bank of America Visa issued a Credit Balance Refund debit of {$1000.00} from my Visa  accounts to zero the account balance out. The account had only carried a credit balance for less than 72 hours at the time of the credit balance refund. Per customer support at BofA they " think '' but can not verify that a check was cut and will get to me in 10-14 days. Therefore my {$1000.00} is not available to me during that time. I was not notified of the issue or debit nor did I authorize the transfer of my balance. I assume there may be something buried the T & Cs that authorizes this but I have had a budgeting practice of pre-paying my credit card in advance upcoming expensing hitting the account for several years now with this never happening. I do find it unethical and a very poor business practice toward the consumer without any effort to communicate or authorize.
Consumer complaint received 2024-11-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc. (ID)

I received a call from an agent of XXXX XXXX XXXX in XXXX XXXX XXXX, Utah claiming I owed a balance of {$200.00} on a claim for laboratory services from XX/XX/XXXX reporting my address somewhere in Utah. I have lived in Wyoming for 24 years until moving in XX/XX/XXXX. 

I asked for a copy of the claim so I could contact XXXX and XXXX of XXXX. I was told they could not email me the information. 

I had no lab services in XX/XX/XXXX anywhere and certainly had not lived at any address in Utah ( I lived on a ranch in Wyoming until XX/XX/XXXX ). 

The agent kept repeating he was just trying to help me. I kept telling him to send me the Explanation of Benefits ( E0B ) by email or text. He kept repeating he needed my address which I was unwilling to give to him because the whole thing sounded like XXXX fraud to me. 

He was calling from XXXX at XXXX hrs today XX/XX/XXXX.
Consumer complaint received 2024-09-20
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. (AL)

I am reaching out to notify you that I am a victim of identity theft, which has led to several fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate assistance to resolve this issue. 

Accounts - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX  XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am requesting the removal of three specific fraudulent accounts from my credit file. It is imperative that my credit report accurately reflects only valid and authorized information.
Consumer complaint received 2024-09-20
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. (LA)

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I reviewed a copy of my credit report and noticed XXXX different accounts that do not belong to me. Those accounts are XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have never done business with these companies. If any payments were made to these accounts they were not made on my behalf
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (CT)

I have consolidated all my student loan accounts into one balance and payment. My credit bureau is showing all the consolidated accounts as being open including the consolidated balance owed. 
Attached is statements from both lenders showing all is paid in full. 
Attached is my new statement showing the correct balance owed and one monthly payment owed. 
This has dropped from credit score down in the XXXX range. I had a XXXX plus since XX/XX/year>. 
Please contact to fix.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom it May concern, It has been brought to my attention that as a victim of Domestic Abuse and XXXX XXXX I have rights. Please block this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. The following negative items have made it impossible for me to move. I demand that you remove all the following. 
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 account ending in XXXX The following inquires must be removed 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 2024-09-20
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. (IN)

I am writing to formally dispute several inaccurate and outdated items reported on my credit files with Experian, XXXX, and XXXX. I have identified discrepancies in the information provided by various data furnishers across these three credit reporting agencies. These inaccuracies have caused significant financial harm, impacting my creditworthiness and creating unnecessary financial hardship. I am also exercising my right to opt out of any further reporting under 15 U.S.C. 6802 and request the removal of these items. 

Items in Dispute : XXXX XXXX ( Closed Account ) This account has been inaccurately reported with inconsistent balance amounts, credit limits, and charge-off dates. Although the matter was settled in court, the reports still show a balance and charge-off status, which is incorrect. 

XXXX XXXX XXXX ( Reported as XXXX XXXX XXXX ) The account is inconsistently reported across credit bureaus under different names ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ). The payment history, balance, and status ( closed and charged off ) are not accurately reflected across the reports. Not only are there different names reporting to the credit reporting agencies, Im getting mail from XXXX and XXXX regarding this debt. Who owns the debt? This is extremely misleading. 

Dept of EducationXXXX There are discrepancies in the balances, utilization percentages, and payment histories for my student loans. The accounts show inconsistent deferment dates, and the utilization ratios are incorrectly calculated, further affecting my credit. 

Legal Basis for the Dispute : Per Public Law 90-321, Sec. 603, and P.L. 90-321 Sec. 303, only the head of a state or local child support enforcement agency may pull a consumer report without express consent. As none of the disputed items fall under permissible use, I request their immediate removal. I have also opted out of reporting per 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Thank you for your attention to this matter. I request a thorough investigation and the removal of the disputed items, as they are causing undue financial harm. Please provide written confirmation once the inaccuracies have been corrected.
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (OK)

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-20
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. (PA)

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  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-09-20
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. (NC)

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. 

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 XXXXXX/XX/year>
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Im really upset to discover inaccurate accounts on my credit report this morning, and I cant understand why theyre there. Im diligent about checking my credit report, but today I was blindsided by random discrepancies. Hoping it was a browser issue, I refreshed the page, but the inaccuracies didnt go away. Because of this, Im requesting that the documents I submitted be carefully checked so I can finally stop stressing about my credit report once and for all.
Consumer complaint received 2024-09-20
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)

Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Listed as a late payment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Listed as a late payment )
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMO Bank, N.A. (CA)

Everything on my credit report for the last 5 years is identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc I filed a ftc report for identity theft report number # XXXX Police report filed with the XXXX Report number XXXX
Consumer complaint received 2023-10-10
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: Bread Financial Holdings, Inc. (CA)

I was checking my credit report and noticed unauthorized hard inquiries on my credit report. I have no knowledge nor did I request any new credit. I believe these inquiries are identity theft and would like this removed as soon as possible I also reported this to the FTC