davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Please be advised that XXXX of the negative accounts listed with all of the credit reporting companies does not belong to me. I am requesting to remove the incorrect negative account from all XXXX credit reporting companies. Thank you. 
Creditor Name : XXXX
Consumer complaint received 2024-09-30
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. (GA)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAFCO Finance (OR)

XX/XX/XXXX I purchased a used XXXX XXXX XXXX. This was my FIRST time financing a car or buying from a dealer. There was no Buyers Guide in the window or on the car when I got to my appointment to test drive. I purchased an extended warranty through XXXX XXXX XXXX. Because the dealership was closing I came back XXXX XXXX to sign the papers. XXXX XXXX in the finance department told me that the original loan I was approved for the night before would work because when running my credit XXXX XXXX approved me based on my FICA score & the company then checked my transunion and equifax scores that morning & they would n't loan me the money anymore, so I had to go through NAFCO for high risk loan which increased my interest rate and monthly payment. XXXX told me " the nice thing about this loan is you can split your payment into 2 payments, so its not such a huge chunk ''. NAFCO said " No you cant. The dealership should n't have told me that. The terms of the loan was not up to them '' On XX/XX/XXXX I contacted XXXX XXXX XXXX to see if something was covered. I asked the rep. if I could return the warranty due to I thought it covered more things and had not used it. I felt it was a waste of money. The rep said " yes, I needed go down to the dealer that you bought from & they could process it '' In the first week of XX/XX/XXXX I spoke with XXXX telling him I wanted to cancel and get refunded to my loan. He looked my file up and says " Your warranty was cancelled already '' & had me sign the papers no copy was given to me. XXXX counted the weeks and said " it takes about 4-6 weeks to process through XX/XX/XXXX if its not showing on your loan call me '' I tried several times to reach XXXX by phone & not one time did he return my calls. XX/XX/XXXX I had an oil change done by XXXX XXXX XXXX saw XXXX telling him the refund was not showing on my loan. XXXX responded " I was waiting on you to give me the mileage so I could process it. '' I expressed that I had not been aware he needed the mileage due to when I signed papers in XX/XX/XXXX my car was available for him to check the mileage. XXXX said " yea I do. I will send that off and it should show in 2 weeks. '' XX/XX/XXXX I called XXXX, he wasnt in and did not get back to me. XX/XX/XXXX I called XXXX XXXX XXXX and was informed that my warranty was showing ACTIVE. I called XXXX again and he was not in. I drove to the dealership and spoke with XXXX explaining what has gone on & he was able to help me. I was informed that the amount of $ refunded to my loan was less then I paid due to {$50.00} cancel fee and the warranty had " depreciation factor '' losing the value monthly and by mileage. I asked XXXX if $ came out of XXXX commissions he got for the sale of the car? He said " yes '' XXXX lied to me and I believe purposely did not file the papers so he wouldnt have so much come out of his pocket
Consumer complaint received 2024-09-30
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-01
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. (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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-30
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. (GA)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : AGENCY XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TN)

Near med XX/XX/XXXX I open the Sears master card there was a purchase of things cost {$87.00} - {$36.00} as credit the balance is {$50.00} In 23 same Mounth XX/XX/XXXX I left out side the country my mail collected by a freind I came back to america XX/XX/XXXX going thrghue my mail find out the credit balance and charges inXX/XX/XXXX i went there discosed the charges they wave one of the charges and pay the balance of {$120.00} and close my account I explane to them my setwaytion and why i did not pay that bell that if I am in the country i will pay it on time but they report it. It is affecting my credit report what can I do? will you pleas luck at it and do some thing to clear my report of this bad credit thank you Sincerely XXXX XXXX phone : XXXX Email : XXXXXXXXXXXX
Consumer complaint received 2024-09-30
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2017-06-27
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. (CA)

To the associates overseeing the credit repair companies, I have been trying to correct my credit report because there is an account that is not mine being displayed on my report and it is very damaging. I have already contacted these credit reporting bureaus and disputed this account and the abuse I am getting from this company attempting to collect money I do not and have not owed and the companies refuse to show me a proper investigation. I was asking every one of them to tell me how this information was confirmed and what documents were received and reviews validations it and I have not heard from them or received anything. I do not owe these fund to this company and I have never heard of this company. This information was accidental ; y or illegal placed on my credit report. I do not know which is true but it must be removed immediately!
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Premia Mortgage, LLC (NY)

XXXX XXXX, last four XXXX Company complaint regarding XXXX XXXX XXXX  Following up to a previous complaint filed, I felt that Premia made numerous false statements in their response. I am mostly concerned with their assurance that they only requested a credit report twice. I have their requests for the following dates : XX/XX/XXXX ( prequal ), XX/XX/XXXX, XX/XX/XXXX -- credit reporting is also showing an inquiry on XX/XX/XXXX which is when I received a relocation package stating that Premia was the loan provider I should use. 
My second concern is regarding determining rental income. I recently visited with the local HUD office in XXXX XXXX, PA where we went over my tax returns, rental statements and rental income according to HUD 's policies. We also made similar calculation using XXXX XXXX and XXXX XXXX  requirements. 
According to XXXX XXXX XXXX, the rental income did not qualify as income based on HUD. HUD explained that Premia 's team did not read the requirements for calculating which clearly state how to handle one time only expenses, tax deductions, and days rented. I provided documentation that my rental property was only in service for seven months of XX/XX/XXXX, 12 months of XX/XX/XXXX, and current through XX/XX/XXXX ( now 10 months ).  XXXX XXXX through his conversation with me and his conversation with my realtor, XXXX XXXX confirmed that he did n't look over the tax returns provided ( included XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). He based his continuous assertions that my income vs debts satisfied the qualifications for a FHA loan at 3.75 %. 
Clearly, Premia ignored, disregarded or were not competent to review financial documents for the purpose of qualifying consumers. Or, as stated in my original complaint, Premia 's intention is to defraud consumers. 
In addition, Premia asserts that I contacted them for a conventional loan. This assertion is false. I can provide emails back to XX/XX/XXXX that show that no conventional loans were discussed. Premia only discussed a conventional loan after claiming I could not qualify for a government loan. 
My complaint and request for action : 1. Premia clearly does not honor rate lock contracts evidenced by their efforts to claim that a rate lock is contingent upon a credit score. FHA/HUD does not have that standard. Premia does not have that clause included in any contracts. 
This action represents contract breach and violations of Federal Codes. 
2. Premia by and through its agent, XXXX XXXX, solicited and enticed a consumer to apply for a government loan. Then, Premia claimed the consumer did not qualify and pushed him/her toward their own private/ conventional loan products. This falls into the realm of fraud. 
3. Premia 's statement in response to previous complaint included deliberately false information and therefore intended to interfere with government processes and investigations.
Consumer complaint received 2024-09-30
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 am reaching out to bring attention to several issues Ive encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reports, inconsistent billing, incorrect personal information, and accounts that do not belong to me.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

XXXX obtained a copy of your EXPERIAN Credit Report on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted XXXX via phone, letter, and contacting Experian requesting to provide me the physical evidence ( documentation ) that confirms I authorized XXXX to run my credit with Experian 2 times. Both parties have failed to respond to my request. Copy of the letters can and will be submitted upon request.
Consumer complaint received 2024-09-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (OH)

Dear Experian, I am writing to dispute the following item on my credit report : XXXX XXXX XXXX XXXX in the amount of {$1300.00}. 
I believe that this item is reporting in violation of my consumer rights. I am requesting that you validate this debt.

I am requesting the notice with my signature upon delivery within the five days of initial communication pursuant to 12 CFR 1006.34 which proves I was aware of this debt and had the opportunity to dispute.

I am also requesting the procedure taken if for any reason this item comes back verified. 
Please investigate this matter promptly and remove the disputed item from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
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. (WA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2017-05-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (IN)

I purchase a  70  inch TV from hhgreg I paid as agreed until the balunce was at  XXXX  and I got a warranty with the TV well the TV screen out and they did n't want to honor the warranty I am a mother of  XXXX  kids and I had a warranty until the TV was paid in full and they was talking crazy to me every time I was asking them about the warranty for my TV I would get the run arounds and and 3 year later they tying to collect
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in 60 days to be removed. 
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 XXXX XXXX before the payment due date. 

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

I have requested proof that this information was mailed or delivered XXXX XXXX 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! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX ; and on XX/XX/XXXX ; and on XX/XX/year> the XXXX XXXX company fraudulently made a negative credit notification to the Experian Credit reporting agency. ( See attachment ). This is a recurring problem that XXXX XXXX is well aware of but continues to remove those negative credit references despite physical evidence showing that XXXX XXXX has fraudulently made those negative credit reporting references regarding my credit card account.