davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

Experian is refusing to follow the FCRA and block identity theft. 

I notified Experian on XX/XX/XXXX of extended identity theft found on my credit report sent them the affidavit from the FTC. 

Experian contacted me by email today notifying me they are denying my request to block because " Furnishers verified the debt '' a furnisher can NOT verify a debt I never consented to, these furnishers don't have my id, XXXX in particular ( XXXX  XXXX ) was told in XXXX? to NEVER allow an account in my name by XXXX, yet they did anyway. 

Experian has refused to remove a debt from my report from the Social security administration that is wholly inaccurate, The administrative judge ruled in my favor in XXXX XXXX ( they wont even let me redispute it. 

Experian only allows XXXX dispute ever per account, they are the only one who does this and the FCRA does not allow a reporting agency to limit disputes. 

I have found the following bad names on my credit report XXXX XXXX XXXX XXXX XXXX they refuse to remove them. 


XXXX ( XXXX XXXX ) XXXX XXXX ( Never heard of this company until they started calling me for a payment ) Moneylion ( Closed my money lion account in XXXX? but there is a loan taken out in XXXX? ) kikoff lending ( never heard of this company just found it on my credit report ) first premier bank ALL need to be immediately blocked. 

the Identity theft affidavit is attached along with Experian canned email. 

every single time my credit gets even a little decent, it gets destroyed. in the last 4 years I have had XXXX, XXXX, XXXX, XXXX etc have breaches where my information has been stolen, and Experian NEVER places the security freeze, if they do they remove it after about 20 days and this is getting absolutely ridiculous. 


this is my last step before i initiate suit on violation of the FCRA.
Consumer complaint received 2024-06-18
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. (GA)

Received a negative account activity for an account with XXXX XXXX XXXX ( XX/XX/year> ) stating that collections account {$150.00} are past due as of XX/XX/year>. I do not have an account with XXXX XXXX.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

according 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I want all negative account remove see all my attachments they are committed fraud in my credit there n law, fraud is intentional deception to secure unfair or unlawful gain, or to deprive a victim of a legal right. Fraud can violate civil law or criminal law, or it may cause no loss of money, property, or legal right but still be an element of another civil or criminal wrong A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT INQUIRY DATES : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

My account with XXXX XXXX was never late! I have had exceptional payment history with FIRST PREMIER 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 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 my account 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 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I contacted XXXX in an application for loan modification. Iwas supplied with inaccurate telephone numbers, wrong address, and apoint of contact person who had no idea how I received their telephonenumber. In my case, I feel that these hurdles were placed to discourageme from trying to receive assistance with my mortgage. Their motto is, '' We 're here to help. '' I am still trying to work with my Lender and Servicer toreview my application for a FHA Short Refinance Loan.
Consumer complaint received 2024-06-18
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. (FL)

I WAS HAVING DIFFICULTIES ACCESSING MY CREDIT REPORT SO I CONTACTED CUSTOMER SERVICE. I WAS ABLE TO GAIN ACCESS TO MY REPORTS WHEN I REALIZED THERE WERE FRAUDULENT ACCOUNTS AND PERSONAL INFORMATION BEING REPORTED. I WAS TOLD BY THE REPRESENTATIVE THAT I NEED TO SEND IN MY REPORT AND PROOF OF IDENTITY. THERE WAS ALSO TWO DIFFERENT SOCIAL SECURITY NUMBERS REPORTING AND ADDRESSES. THE ACCOUNT WAS REMOVED AFTER DISPUTING IT THEN IT REAPPEARED ON MY CREDIT REPORT AGAIN I CONTACTED THE BUREAUS AND THEY REFUSED TO REMOVE THE ACCOUNT STATING THAT THE CREDITOR SENT THEM INFORMATION THAT THE ACCOUNT WAS MINE. I ASKED THEM TO PROVIDE ME WITH THE INFORMATION ALSO THE CONTACT INFORMATION FOR THE CREDITOR AND THE REPRESENTATIVE SAID THAT THE CREDITOR HAS NO NUMBER TO REACH THEM AND THAT I SHOULD FIND IT ON XXXX. I ASKED FOR THE FULL ACCOUNT NUMBER AND HE STATED THAT HE DID NOT HAVE THE FULL ACCOUNT NUMBER AS WELL. HE GAVE ME ACCT NUMBER XXXX FOR XXXX XXXX XXXX.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I am writing to express my ongoing frustration and concern regarding the failure to remove fraudulent items nor the old information from my credit report. Despite my previous four attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2019-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I recieved an email from XXXX, a credit reporting group, who told me my credit score had declined, see details The details in summary said that the report I filed to XXXX XXXX XXXX complaining on a legititamate overcharge on my visa card of {$12.00} by a restaurant, documented and emailed to them, has not been resolved, but that Transunion has shown that my credit score has declined from XXXX to XXXX due to my filing a claim. 
I called XXXX XXXX XXXX, and they said that there was nothing they could do about the decline in the credit score as they only report such issues to the credit bureaus, and they were surprised that it would affect my credit. 
I tried to go online to Transunion, however, the online claim reports indicated I could not complain about my score to them, they had the right to do what they wanted. 
No company, or group of credit reporting companies, should have the right to reduce anyones credit because they found an error on the charges on their account, and questioned an overcharge. They said " well, perhaps in 30 or so days when this issue was studied and resolved, perhaps the credit score will go back up. However, they had not control over this and they only report it to the bureaus as they are instructed. '' Well, firstly, I don't think this should be allowed to be reported to credit bureaus, and secondly, no credit bureaus should be allowed such powers to adjust your credit report for asking a question. 

Is this right?
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

I recently got out the hospital a week ago and received a letter in the mail stating that I owe a ledger balance of {$520.00}. They let a company name XXXX make over XXXX withdrawals out of my account that I had no money in unauthorized transactions. So they charged me an overdraft fee for each unauthorized payment I called PNC to tell them previously that the account was doing this and that those were unauthorized charges the XXXX time and they let the same company do it repeatedly over again after I resolved the problem. I also call them to tell them that I was in the hospital almost the entire month and that I previously Had a tornado that hit my area in XXXX they reply that the account was closed and that no one could help me with my Close account with obvious fraudulent charges. I need help to anyone who can help me because this will destroy my business before I can even get it started well.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX 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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-18
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. (OK)

These records were obtained from XXXX and reported without my explicit consent, violating multiple sections of the Fair Credit Reporting Act ( FCRA ) and other related laws protecting consumers rights regarding the use of personal information. Furthermore, the courts of Oklahoma clearly state that they do not report bankruptcy information to credit reporting agencies. 

Relevant Laws FCRA Section 604 ( a ) ( 2 ) : States that a consumer reporting agency may only furnish a consumer report if the consumer has given written instructions to the agency to do so. I have not provided any such consent for this bankruptcy information to be included.

FCRA Section 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute the accuracy of any information on their credit report. Upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation within 30 days.

FCRA Section 611 ( a ) ( 5 ) ( A ) : Mandates that if the investigation finds the information to be inaccurate or unverifiable, it must be promptly deleted or corrected.

FCRA Section 623 ( a ) ( 1 ) ( B ) : Requires furnishers to provide accurate information and correct any inaccuracies once notified.

FCRA Section 607 ( b ) : Obligates credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

FDCPA Section 809 ( b ) : Entitles consumers to request debt validation. The collection agency must provide proof that the debt is valid and that they have the right to collect it. Failure to provide this proof requires the removal of the collection account from the credit report.

TILA Section 131 : Mandates clear and accurate disclosure of credit terms. Any failure to comply with TILA disclosures could invalidate the debt.

Immediate Actions Required Given these legal obligations, I demand that you : 1. Provide definitive proof that I committed the actions as reported, including : Complete documentation proving the validity of the debt.

Verification procedures used during your investigation. 
Written confirmation from the original creditor substantiating their claims. 
2. Remove the inaccurate and unauthorized accounts and bankruptcy records from my credit report immediately if you can not provide the requested proof.

Failure to comply with this request within the FCRA-mandated 30-day period will result in immediate legal action. This includes filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies.

Consider this your final notice. If these inaccuracies are not corrected and the accounts are not removed, I will take further action to protect my rights. 

I expect a prompt and thorough response. Provide the requested proof or delete the inaccurate accounts and bankruptcy records immediately.
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been on XXXX for two years and had fallen behind two months. I applied for a modification because I was told that XXXX was an allowable reason for assistance. My wife is the sole wage earner and after reviewing our case they denied us for a loan modification. The denial letter stated that the reason was due to NPV ( net present value ). The denial letter was supposed to state the figures used to arrive at this decision. Unfortunately the denial letter provided some figures on income, value ... .it just arrived but I believe that the figures used were incorrect. According to my housing counselor our ratios for Income vs the housing expense ( PITI ) which is what HAMP looks at is at XXXX % and our rate is at 6.5 %, so based on this data if they were to lower the rate to 2-3 % then our PITI ( housing expense ) would be around XXXX-XXXX % meaning it would be an affordable payment. The investor is XXXX XXXX and we meet all of the criteria but the NPV denial makes it seem like we have no options. We 'd like to be re-reviewed and be given the data and figures used to arrive at a NPV negative.
Consumer complaint received 2024-06-18
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)

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 XX/XX/2022 to XX/XX/2022 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 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-18
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

For the last few months or more I have been receiving phone calls on my cellphone from Midland credit. I did not provide them my cell number and I am not sure how they got my number. They have been calling a few times a week and a few times a day.