davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NC)

I have several numbers for Experian. I used to be able to get through to speak with an Agent. I can not anymore. 

XXXX is one commonly listed. I am no longer able to navigate through menu to speak to an agent. 
XXXX is another one. 
XXXX used to be listed on website as a number to call. When I tried today the company that answered was XXXX XXXX XXXX. In the recent past I had a conversation at this very number with an Agent from Experian Special Services named XXXX where a number of important disputes were filed. 

I cant get through no matter what, and I need to speak to someone.
Consumer complaint received 2024-09-24
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. (PA)

I discovered unauthorized inquiries on my credit report this morning, and I have no idea why. I routinely check my report, but this time I found unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the inquiries remained. I'm extremely frustrated and need the documents I've submitted to be reviewed immediately, so I can stop worrying about this issue once and for all.
Consumer complaint received 2024-09-25
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)

XXXX responded back on XX/XX/year> XXXX not address the issue of removing from my credit report this XXXXXXXX XXXX XXXX off all XXXX credit Bureaus. 

XXXX needs to delete from all XXXX credit Bureaus this account # XXXX
Consumer complaint received 2024-09-24
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)

I am filing this complaint to report multiple inaccuracies on my XXXX credit report, dated XX/XX/2024. These errors are not only misleading but have also caused significant damage to my financial reputation and creditworthiness. Despite being protected under the Fair Credit Reporting Act ( FCRA ), my efforts to have these inaccuracies corrected have not been addressed by XXXX. 

The specific inaccuracies I am disputing include : XXXX. XXXX XXXX Account XXXX : XXXX XXXX reported charge-off of {$23000.00} is inaccurate. This account does not reflect my financial activity, and its presence on my credit report is unjustified. According to FCRA XXXX ( b ), which requires credit reporting agencies to maintain accurate information, this erroneous report must be corrected immediately to avoid further damage to my creditworthiness. 
XXXX. XXXX XXXX XXXX Account Number : XXXX The balance reported for this collection account is incorrect and invalid. This debt has not been properly verified, and its inclusion violates the FCRA and the Texas Debt Collection Act. I demand its immediate removal as it continues to damage my credit report unjustly. 
XXXX. XXXX XXXX XXXX Account Number : XXXX This debt does not belong to me, yet it remains on my credit report. As per XXXX v. XXXX XXXX XXXX, XXXX, credit bureaus have a responsibility to independently verify disputed information. Since this debt has not been verified, I request its immediate removal from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX This is a duplicate entry on my credit report, which is both misleading and incorrect. The continued reporting of this duplicate information violates the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX. This erroneous entry must be deleted to reflect my true credit history. 
XXXX. XXXX XXXX Account XXXX XXXX XXXX The reporting of this foreclosure is misleading and inaccurate. It does not accurately represent my financial history, and XXXX has not conducted a reasonable investigation as required by XXXX v. XXXX XXXX XXXX, XXXX. This incorrect and harmful information must be removed immediately. 

These inaccuracies have caused considerable harm to my financial standing and have impeded my ability to secure credit and housing. I have attempted to resolve these issues with XXXX, but my disputes have been ignored or improperly handled. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure my rights under the FCRA and other consumer protection laws are upheld. 

Thank you for your attention to this matter. I hope the CFPB can assist in resolving these issues promptly and ensuring that my rights as a consumer are protected.
Consumer complaint received 2024-11-14
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. (WI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't 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 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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$750.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX, XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX  XXXXXXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX Experian, XXXX XXXX - XX/XX/XXXX XXXX, XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian, XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian, XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX, XXXX XXXX Banks XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX All Banks XX/XX/XXXX Experian XXXX NOT RECOGNIZED XXXX XXXX XXXX  XXXX XXXX 15 U.S.C, 1681section 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergence Acquisitions, LLC (IA)

Wages were garnished in XXXX on a debt from XXXX. I went to court, proved the debt was paid and the garnishment was quashed. In XX/XX/XXXX I was notified this debt was sold again and they are attempting to collect on it
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (ID)

Approximately 2 weeks ago I contacted Elan Financial Services to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. I have yet to receive any response from Elan Financial Services, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. Additionally, I did notify Elan Financial Services of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-25
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. (TX)

I am writing to file a complaint against Experian regarding unauthorized hard inquiries on my credit report. Despite my efforts to dispute these inquiries directly with Experian, I have not received a satisfactory resolution. 

Details of the Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/year> I did not authorize any of these inquiries and was not informed that my credit report would be accessed for any purpose. Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I am entitled to have unauthorized information corrected or removed. 

I have formally disputed these inquiries with Experian, as documented in my letters. Despite my efforts, there has been no resolution, and the inquiries remain on my credit report. 

Additionally, I have reported potential identity theft to the Federal Trade Commission ( FTC ) as I suspect these inquiries may be linked to unauthorized activity.
Consumer complaint received 2022-10-29
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. (SD)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION (AZ)

I am filing this complaint against Navy Federal Credit Union for mishandling my auto loan, unlawfully releasing the vehicle title without notification, and inaccurately reporting the loan on my credit report. The relevant details are as follows : Title Release Without Notification : Navy Federal Credit Union released the title of my vehicle to the State of Arizona without notifying me or providing any explanation. They claimed the title was released due to a mechanics lien, but a supervisor later admitted that no documentation of a lien exists. This action resulted in the loss of my vehicle, which served as collateral for the loan, violating federal guidelines that require proper communication and notice to borrowers under the Truth in Lending Act ( TILA ) and 15 U.S. Code 1637.

Failure to Notify : Under the Fair Credit Reporting Act ( FCRA ), creditors are obligated to provide timely and accurate notifications about significant loan changes, especially when collateral is involved. XXXX XXXX did not notify me of the title release or provide any opportunity to remedy the situation, as required under federal law.

Inaccurate Credit Reporting : Despite releasing the title and no longer having collateral, Navy Federal continues to report this as a secured auto loan on my credit report. This is misleading and a violation of the FCRA, as the loan no longer has the collateral tied to it.

Unprofessional Conduct : When I attempted to resolve this issue, a Navy Federal supervisor admitted they had no documentation of a mechanics lien and then abruptly ended the call, refusing further communication.

I request that Navy Federal correct the misreporting on my credit report, provide a written explanation and documentation for the title release, and remedy the loan issue since they no longer hold collateral. Additionally, I am seeking damages for the loss of my vehicle and the mishandling of the loan.
Consumer complaint received 2024-11-14
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: MID FLORIDA FINANCING LLC (FL)

I am filing this complaint because my credit reports show several unauthorized accounts that I did not initiate or approve these accounts have appeared without my consent and despite reaching out to my credit bureaus to have them removed they remain on my reports my disputes have been ignored or dismissed without proper investigation leaving these inaccurate accounts to negatively impact my credit score this situation is both alarming and unjust as these are not a result of any actions I've taken
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (GA)

I have no knowledge of any of these accounts thats reported on my credit reports. 

I am a victim of human trafficking of debt bondage and would like for all the listed accounts to be blocked and deleted from all credit reporting agencies. Please delete the following accounts : ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) PNC BANK ( XXXX ) XXXX  XXXX As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed, and a letter from an advocacy group helping me due to human trafficking debt bondage, which falls under trafficking according to trafficking debt final rule 1002.142 ( b ) ( 4 ) -1002.142 ( b ) ( 7 ). I am kindly requesting that you blocked this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-24
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. (AZ)

Upon reviewing my credit report, I found inaccuracy. The XXXXcredit bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting account as unverified information without providing any proof within the legally mandated timeframe. The following account must be investigated and corrected for erroneous reporting in my file, as listed on my credit report : XXXX XXXX XXXX XXXX : {$18000.00}
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (TX)

The mortgage company refuses to stop withholding escrow. They transferred our loan to another division in their company so that they would not have to evaluate our mortgage. We submitted to them a letter stating we are except from taxes and they sent us a check for all of our taxes at the end of the year ( XXXX  ) so they know we have an exemption on file, in addition they refuse to pay our insurance so we have to pay for it on a monthly basis out directly to the insurance company and they send the information to the mortgage company letting them know we pay them directly. They refuse to discuss with us why they are still collecting escrow and where is the escrow money going. They are just collecting additional money from us without any reason or rationale. We are XXXX month behind and they are threatening foreclosure even though they have more than more than XXXX mortgage in escrow that doesn't belong to them.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/year> my phone was stolen, the thieves tried to access my bank accounts with my passwords from my phone. I went in personally to the Bank of America branch on XXXX XXXX in XXXX TX so I can confirm all instructions were given by the correct person ( me ) by showing ID personally. I met with a banker there by the name of XXXX XXXX to go through and make sure there were no charges and that my account be freezes unless I personally come in with a request. We noticed that there were some withdraws that were in progress that were not authorized by me, he assured me that they were not complete and were able to be stopped before completed, I then instructed him to change all my information including passwords, address, and phone number. Two days later I come to find out that they did not follow my instructions and allowed all the charges to finish, new charges to be completed, and a new account to be opened, all without my consent or notification. The matter was completely mishandled due to incompetence and massive oversight. I tried to discuss the matter and was ignored and denied. The unprofessionalism was not believable to me in such a regulated business.
Consumer complaint received 2024-07-24
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.