davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX To Whom It May Concern, This letter is in response to notices from your company and concerns raised by your erroneous reporting to the credit bureaus, negatively impacting my credit report. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, I dispute your claim, and I am seeking validation, not verification. 
I am not requesting proof of my mailing address but competent evidence of any legal obligation to pay you. Please provide : Details of the debt, specifying the amount owed. 
Explanation and breakdown of how the claimed amount was calculated. 
Copies of any agreements demonstrating my commitment to pay. 
Verification or a copy of any applicable judgment. 
Identification of the original creditor. 
Confirmation that the statute of limitations has not expired. 
Proof of your license to collect in my state. 
Your license numbers and registered agent or agent of service. 
If your offices have reported validated information to any major credit bureaus ( XXXX, Experian, or XXXX ), any negative mark found may result in legal action, including but not limited to violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and defamation of character.

I request a minimum of 30 days to investigate the provided information. During this validation period, all collection activities must cease.

Any detrimental action to my credit reports may result in legal action. 
If your company fails to respond to this validation request within 30 days, I demand the deletion of all references to this account from my credit report. A copy of this deletion should be sent to all three major credit bureaus immediately. 
I also request no telephone contact at my home or place of employment. Any attempts, including computer-generated calls or correspondence to third parties, will be considered harassment, leading to legal action. Future communications must be in writing and sent via USPS to the address in this letter.

Ensure your records are accurate before legal action becomes necessary. This letter aims to correct records for the purpose of validation. 
Best regards, XXXX XXXX
Consumer complaint received 2024-08-07
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. (GA)

I'm writing to communicate my anxiety with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be totally explored. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I benevolently demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recover command over my monetary prosperity. I earnestly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-07
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. (OR)

From several creditors I requested documentation bearing my signature on the account, verification and validation of the account in question as well as companies to provide consent for authorization of inquiries. I sent letters to XXXX, XXXX, and Experian on XX/XX/year> & XX/XX/year>. I have not received the requested documentation within the allotted time nor have I received documentation at all.
Consumer complaint received 2024-06-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (LA)

I have reached out to XXXX about a repo dated XX/XX/XXXX. The amount of the fees is additional XXXX Total debt is XXXX They are updating the account EVERY MONTH refreshing the account as an active repo. Stating the last payment made was XX/XX/XXXX. It makes other creditors think it just happen and bring my score down.
Consumer complaint received 2024-06-04
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. (AZ)

i recently reviewed my credit report in seen some fraudulent items on my credit profile. that are being reported by a third party. please remove the listed items off my credit because they are hurting my credit score and ability to obtain credit.
Consumer complaint received 2024-06-04
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TOKENE 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
Consumer complaint received 2024-06-04
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-04
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. (FL)

My name is XXXX XXXX, and I want to make it clear that this message is sent independently and not on behalf of any third party. Recently, I conducted a thorough examination of my credit report, and I was deeply concerned to find unverifiable, invalidated, inaccurate, and questionable entries. It appears that your agency, responsible for ensuring the accuracy of consumer reports, has not fulfilled its duty to ensure the complete accuracy of the information it reports.

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to implement reasonable procedures to ensure the highest level of accuracy regarding individuals ' information in the consumer reports they generate. 

As a consumer, I am entitled by law to a credit report that is 100 % accurate. I have been requesting that the credit reporting agencies review my disputes and update my reports accordingly. Please take the necessary steps to update and remove the accounts and items listed in the dispute letters attached. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-04
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. (CO)

In accordance with the FCRA, the list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15usc 1681 .15 usc 1681 ( a ) states i have a right to privacy. 15 usc 1681sec.604 a section 2 states a consumer reporting agency can not furnish an account without my written instruction. further each company 's disclaimer clearly state they must have my consent to share my information. 15 usc 1681 c ( a ) ( 5 ) states any adverse information. 15 usc 1681s 2 ( a ) ( 1 ) a 681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. account number XXXX, account numberXXXX, account number XXXX, account number XXXX, account number XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-04
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NJ)

The company doesn't have a real call center with live representatives. There is no way to file for a dispute and it is still impacting my credit score. 
I tried all the options from the automated call system many times but I coudltn get to anybody. 
If they are not going to take the dispute, they shouldn't work as credit bureaus. 
Why do we need to get judged by these credit bureaus that don't even exist? They don't take calls and try to fix people 's credits on time. 
The collection is paid off and closed. And the collection agency said they updated my info on the XXXX XXXX XXXX XXXX  and it looks like Experian will never update my data.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

To whom it XXXX concern, I am writing to request assistance from the Consumer Financial Protection Bureau ( CFPB ) regarding my issue with the XXXX credit bureau. After conducting some research, I discovered that the CFPB is responsible for overseeing credit reporting agencies. I kindly request your consideration of this matter, as I urgently need to remove errors from my report due to medical reasons. 

I sent a letter on XX/XX/year>, citing errors and inaccuracies in my credit report. However, it has now been over 35 days and I have not received any response from them. I am providing the letters I sent out for you to review, as this will serve as my first step if I need to pursue this complaint further. Thank you.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-04
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 found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-04
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I reported identity theft to XXXXXXXX XXXX XXXX XXXX  at the height of the XXXX XXXX due to someone using my debit card to make a purchase of gas in Kentucky. The fraud monitoring representative took my report, but possibly did not do any state or federal regulatory reporting causing me to experience fraud and eventually job loss. I contacting the bank on multiple occasions both via the phone, online, and in person at the branch to file multiple reports and requested financial hardships on multiple occasions. the bank representatives that I spoke with did not follow through and mail me the financial hardship request multiple times causing a delay with my ability to reconcile my credit card and personal loan accounts. The bank reported me to the credit bureau for nonpayment causing my credit score to drop and did not acknowledge their own staffing and operational issues. They then engaged in unfair collections practices which again negatively affected my financial reputation. I was a customer for more than 25 years and they had multiple issues with their operational issues due to possibly not providing any oversight to their staff.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I was notified by XXXX XXXX last week that there was a new inquiry on my Equifax credit report, dated XX/XX/2022. I viewed the inquiry and all that it said was " XXXX '' and the date. I contacted XXXXXXXX XXXX directly and they did not show any new accounts or recent applications for credit in their file. They then suggested that I contact Equifax. After contacting Equifax, it was still unclear who pulled my credit and for what reason. They told me that my only recourse was to submit a fraud report and they would look into it. I have not applied for any recent credit, and I did not authorize any company to pull my credit on XX/XX/2022.
Consumer complaint received 2024-06-04
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)

XXXX continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing and furnishing of my information. I requested to opt out of those activities but XXXX XXXX XXXX. and XXXX  continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against XXXX and its assigns, affiliates and non affiliates on handling my private accounts. Attached is demand affidavit and agreement.
Consumer complaint received 2024-06-28
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. (OH)

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 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 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NAVY FEDERAL CREDIT UNION (MD)

Applied for a Navy Federal Credit Union ( NFCU ) loan with XXXXcredit score without a high debt amount. 

The NFCU Loan officer reviewed saw in my paperwork that I outright owned a house ( without mortgage ) and was adamant that I explain why am I moving if I already have a house that I own. I explained that it was my personal choice, but this NFCU rep specifically wanted to know if I would sell or rent my house, as if I didn't have an option to simply 'keep " my paid off house. Any customer could be inclined to make a deliberate plan to sell or buy their home based on a loan officer 's statements about inability to move forward in another mortgage loan process. THIS WAS NOT RIGHT! 

This line of questioning was not appropriate, and would suggest that a customer can not be approved for their NFCU mortgage if a residential home is. She continued to threaten me with my mortgage rate increasing from 7 % to 15 % ( as an investment home ) if I did not submit her requested paperwork and my application package would not be sent to underwriting unless i complied with these explanatory demands. 

I felt I was being discriminated as a homeowner wanting a better home. I am an African-American woman.
Consumer complaint received 2024-06-29
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. (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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : 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 2024-06-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

I previously spoke with XXXX XXXX  Credit Union regarding XXXX credit card accounts. XXXX account is an XXXX XXXX and the other account is a XXXX. The amount that this company is recommending I pay is inaccurate. I spoke to a representative in their counseling department that told me there were no payment options available to me and I do not qualify for the program. They insisted I pay an outstanding amount that is not correct. During the dispute I asked for documentation of the accounts. I never received them. My accounts were closed, and my accounts were sold to a third-party collection company. I'm now receiving letters and calls from collections agencies after being asked to be place on their do not call list. I am not liable for the debt owed to these companies. I do not have a signed contract or any contract with them. My credit report has had a negative impact based on the inaccurate information reported by XXXX XXXX  Credit Union.