davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their failure to process my dispute within the stipulated 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ). I find this situation deeply concerning and hope that your intervention will help rectify this matter promptly. 

On XX/XX/2023 and on XX/XX/2023, I submitted a dispute to Experian 's, reference attached letters, regarding inaccurate information on my credit report. The discrepancy pertains to names that are not mine, addresses that are not mine, an incorrect accounts, incorrect late payment and one account that I didnt open. Understanding the importance of maintaining accurate credit information, I promptly initiated the dispute process to rectify this situation. 

Despite the statutory requirement that credit reporting agencies investigate and resolve disputes within 30 days, I am dismayed to report that Experian has not taken any action on my dispute within this timeframe. As of today 's date, it has been more than 60 days since I filed my dispute, and I have yet to receive any communication or updates from Experian regarding the resolution of this matter. 

I want to emphasize that the accuracy of my credit report is essential for my financial well-being and my ability to access credit on fair terms. Experian 's failure to address my dispute in a timely manner has caused unnecessary stress and frustration, and I am concerned that this delay could have lasting negative implications for my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf to ensure that Experian promptly processes my dispute and provides me with a written response detailing the investigation 's outcome. I also urge you to take appropriate actions to ensure that Experian complies with the FCRA 's requirements moving forward, as this situation highlights a disregard for the rights of consumers like myself. 
Enclosed with this letter, please find copies of relevant documentation, including proof of my dispute submission and any supporting evidence regarding the inaccuracies in my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address my complaint and hold Experian accountable for their failure to adhere to the FCRA guidelines. I look forward to a swift resolution and appreciate your assistance in rectifying this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Further information from XXXX on my public record, states that the info Experian are saying they verified through XXXX is false. XXXX even sent out the documentation to Experian that verifies they are holding info on my credit file that they did not get from XXXX. Experian still refuses to provide me verification of where they got the info so I can rightfully dispute it with the entity. XXXX did the right thing and deleted the public file in accordance with the FCRA. With no verification, The info on my credit file dealing with the public record number XXXX needs to be deleted immediately.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-08-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (NY)

I filed an identity theft report at the beginning of the summer and received NO relief from this submission. I am not satisfied with this process. It is mentioned that my complaint should be resolved in 4 days. I want these items completely erased from my profile. There was no authorization on my behalf to use or distribute this information, let alone these entries are inaccurate.
Consumer complaint received 2023-09-05
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. (LA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 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 2023-07-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

this issue been going since XX/XX/XXXX, On XXXX i file a dispute with BOA regarding unathorized charge for {$570.00} from XXXX and {$72.00} from XXXX, on XX/XX/XXXX recieved approval claim at my favor for {$640.00} .Then i credited the {$570.00} on XX/XX/XXXX then got debited back on XXXX the & XXXX on XX/XX/XXXX i got the credit again {$570.00} but then it got debit again {$570.00} on XX/XX/XXXX and credit again {$550.00} on XX/XX/XXXX, but on XX/XX/XXXX the {$550.00} got debited again from acct.so i call and case was reopen cause funds missing, so I call again and was told case was resolved at by favor on XX/XX/XXXX, i was never sent no letter or anything regarding this, ok so it was resolved at my favor but stil there was no fund on acct, so i call again and claim was reopen for missing money, ,So on XX/XX/XXXX, Speaking to Claim department regarding issue, i was told that this case been payed, i ask when cause havrnt seen anything funds, so she said that, it says that it was payed in XXXX partial payment refund from XXXX, i try to expain that thise partial payments were for puchase that i return back to XXXX, that doesnt have anything to so with the claim of $ XXXXfrom XXXX and XXXX, because the partial payments from XXXX were only {$210.00}, i tried explaining that these partial payment refunds were for some item that were return back.and to see the amounts of claim and refund s were different and the dates of order s from XXXX were also different , i sent in documents of the items that were return from XXXX, and partial payment s recieved that do not add to my dispute, dispute was only XXXX items and the partial payments were XXXX item, after sending in documentation i have a feeling that they didnt if bother in going over the documents pretending to my claim.im attaching the dispute charges and when money got credited and debited to acct and the partial payment refund that dont have anything to due with claim.
Consumer complaint received 2023-07-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NY)

On XX/XX/2023 around XXXX a fire broke out in the multi-unit building directly behind my property. The address of the fire was XXXX XXXX XXXX XXXX in XXXX XXXX, NY. The fire burned every apartment in the building which contained at least 20 units and took the Fire Department nearly 12 hours to put the fire out. Millions of gallons of water were sprayed into the building leaving my property with a 6 feet of water in my basement and damage to the roof causing leaks into my home. My property was deemed unfit for human occupancy due to my electric panel, boiler, furnace and oil tank being submerged in water and damaged completely. With no electricity or gas this left me and my tenants displaced.. I can not collect rent for either unit to assist my mortgage payment neither can I live in my own property and I am forced to find shelter wherever I can until my home is repaired and declared fit for occupancy by the city again. Due to this I am requested a Mortgage Hardship and would like to know the best options available to me. I plan on keeping the property, I just need hardship assistance until I can repair the damage and get my tenants back to assist with my mortgage payments. My Mortgage payment is currently {$4900.00}.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, 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)

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

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (CO)

I guess i owe about 500 in debt collector expenses but i don't remember when or where i got it its about to be 1 year and 2 months old and i don't work i just got my medical bills waiver and this is still effecting my credit i haven't gotten any letters from the company till i checked my credit score and it been sitting there since help
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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.

I told Experian to reinvestigate these accounts : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items XXXX  not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-08-21
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Early Warning Services, LLC (CA)

I am XXXX XXXX XXXX XXXX and in submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX XXXX, consumer, natural person, and original creditor of a alleged debt. On XX/XX/2021 I was a personal checking account due to fraudulent information being reported on my credit file by EARLY WARNING SERVICES LLC has been reporting without my consent or proof of alleged debt. I was notified of this transgression of my rights specifically 15 USC 1611 ( 1 ) 15 USC 1692 ( j ) - The Truth in Lending Act, by EARLY WARNING SERVICES LLC.I as a natural person was harmed by EARLY WARNING SERVICES LLC. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { {$5000.00} }, civil damages for 15 USC 1692 ( j ) are up to { {$1000.00} }.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Around XXXX or XX/XX/XXXX. I was notified that I qualify for XXXX benefits from North Carolina. I had requested them to go in my regular checking account but for some reason they went on the prepaid Bank of America card. My account was unexpectedly and with no communications from Bank of America, frozen and take a -XXXX and some dollars. It was left that way I believe until XX/XX/XXXX and this happened and XX/XX/XXXX me and my son had just moved into a place after previously losing our home and XX/XX/XXXX. But due to the neglect and poor diligence of Bank of America, we were evicted after our power being disconnected in XX/XX/XXXX because of the coronavirus and the presidents order to not leave our XXXX, unless we were healthcare worker to go to work I have no other options or other means for survival. Not to mention that my mother was in her last year of her life fighting her battles battle with XXXX XXXX. Bank of America has absolutely destroyed my life. My son had to be placing another family members home due to me not having a home I slept in storage buildings I walk the streets, lost any bit of respect I had for myself and dignity. I have been humiliated I have begged I pleaded with Bank of America to assist me in getting this resolved after two years now they still have not gotten anything completely resolved. Ive had three people reach out to me for Bank of America supposedly to resolve this matter that each one of them cause one time, and I never hear from them again