davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian XXXX and XXXX. They ( XXXX XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received an email corespondence on XX/XX/XXXX, XXXX Their response was a " canned '' response that " The information you disputed is accurate and complete, so we must decline your request that we modify or delete the disputed information '' A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-09-07
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. (IN)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a victim of a form of XXXX in persons under 22 U.S.C. {$7100.00} ( 11 ) or XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt bondage.
Consumer complaint received 2024-09-07
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 writing to dispute unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent and may involve the fraudulent use of my personal information, a violation of **18 USC 1028**, which addresses fraud related to identification documents, authentication features, and personal identity information.

The details of the unauthorized inquiries are as follows : I did not authorize these inquiries and have not applied for any credit or services from these companies. Given the serious nature of identity fraud under **18 USC 1028**, I request that you take immediate action to : 1. **Remove these unauthorized hard inquiries** from my credit report.

2. Conduct an investigation into the inquiries in accordance with the Fair Credit Reporting Act ( FCRA ), and provide me with a written statement of the findings. 
XXXX. Provide any documentation or evidence that these inquiries were authorized by me, if such records exist. 
Enclosed are copies of my identification, a copy of the relevant pages of my credit report showing the inquiries, and any additional supporting documents.

Failure to act on this matter may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other legal avenues to protect my rights under federal law.

Thank you for your prompt attention to this serious issue. I look forward to receiving confirmation that these inquiries have been removed from my credit report. 



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Consumer complaint received 2024-09-07
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. (NJ)

I have one open up to date account with XXXX XXXX that I dont want touched. My goal is to rebuild my credit. 

I have 2 accounts with XXXX XXXX that were added in my XXXX XXXX XXXX dated XX/XX/XXXX. These 2 accounts show derogatory payment plan in bankruptcy and also show 2 negative accounts on my credit report.

It says negative pay status ; what status I completed my bankruptcy payments in XXXX XXXX. It was discharged XX/XX/XXXX. 
I want the two old inaccurate reported accounts removed from my credit reports.
Consumer complaint received 2024-09-07
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

5 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 2024-10-28
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. (MO)

am submitting a complaint regarding the incorrect reporting of Account No. XXXX by XXXX. Despite this account being listed as a charge-off with a reported balance of {$2200.00} on XX/XX/year>, this information does not appear on my credit reports with Experian or XXXX. This inconsistency has unfairly impacted my credit report and score with XXXX, creating a misleading picture of my financial history. 

This inaccurate reporting has had a significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting validation. 

I have contacted XXXX and requested that they remove this inaccurate information, as it does not accurately reflect my current obligations. However, I am requesting the CFPB 's assistance in ensuring that XXXX promptly addresses this matter and removes the erroneous entry from my report.
Consumer complaint received 2024-09-09
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. (NY)

I looked at my report recently and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporti my agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the indivisiual about whom the report relates. 
I sent a letter asking them to investigate these accounts listed below because XXXXXXXX XXXX XXXX Open date is not reporting correctly, date last active date of last payment is not correct, this account is not mines. 

Thank you for your attention to this matter
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Inaccurate Bankruptcy Reporting Consumer Financial Protection Bureau ( CFPB ), I am writing to formally submit a complaint regarding the inaccurate reporting of my bankruptcy on my credit report. Despite having discharged my XXXX  XXXX bankruptcy on XX/XX/year> I have noticed that the bankruptcy remains incorrectly reported by Experian, XXXX and XXXX, and other creditors. 

The details of my complaint are as follows : -Georgia bankruptcy Court stated they they do not report bankruptcies to the credit bureaus. 

Despite fulfilling all obligations under the bankruptcy process, the reporting remains incorrect and is adversely affecting my creditworthiness. I have made multiple attempts to resolve this issue with Experian, XXXX, and XXXX through their dispute process, but my concerns have not been adequately addressed. 

I believe this inaccurate reporting violates the Fair Credit Reporting Act and impacts my ability to secure credit, housing, and employment opportunities. 

I request your assistance in investigating this matter and ensuring that my credit report reflects accurate information in accordance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-09-09
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)

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, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-07
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)

THIS ACCOUNT WAS ORIGINALLY WITH XXXX XXXX  IN XXXX, THEN TRANSFER TO XXXX XXXX, THAN XXXX XXXX  IN XX/XX/XXXX, THEN TO XXXX XXXX, THEN TO XXXX XXXX XXXX, THEN BACK TO XXXX  LAST XXXX. 

XXXX XXXX HAS FLAGGED THE ACCOUNT AS 30 DAYS PAST DUE THE ACCOUNT IS CURRENTLY ON AUTOPAY FOR {$1000.00} THERE WAS NEVER ANY DOCUMENTS SENT TO ME VIA EMAIL, OR CERTIFIELD MAIL STATING THAT THE MORTGAGE WAS TRANSFERRED TO ANOTHER CREDITOR. ALSO I NEVER RECEIVED ANYTHING FROM MY BANK THAT A PAYMENT WAS RETURNED. 

THE PAYMENT IS DUE ON THE XXXX OF EACH MONTH. PAYMENTS WERE DEDUCTED TWICE LAST MONTH ON THE XXXX OF XXXX, AND THE XXXX OF XXXX, THEREFORE HOW AM I LATE? 

SPOKE TO A CUSTOMER SERVICE REP ON WEDNESDAY XX/XX/XXXX AND THEY SAID THAT THEY DID NOT SEE A 30 DAY LATE PAYMENT ON THERE END BECAUSE OF THE PAYMENT BEING DEDUCTED TWICE IN ONE MONTH.
Consumer complaint received 2024-09-07
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. (OH)

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$8000.00} XX/XX/XXXX XXXX {$570.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/DEPT OF ED : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX has violated my rights. 
Remove as soon as possible!

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 2024-09-07
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)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XXXX I made a purchase on XXXX for {$8.00} using my XXXX XXXX XXXX On XXXX I made a payment of {$10.00} to my XXXX XXXX XXXX On XXXX I made a payment of {$10.00} to my XXXX XXXX XXXX XXXX XXXX a payment of {$10.00} posted to my XXXX XXXX XXXX XXXX XXXX XXXX issued a statement for my XXXX XXXX XXXX showing the account over the {$5000.00} credit limit by {$9.00} On XXXX WFC sent negative information to the Experian Credit Reporting Co. 
On XXXX WFC a payment of {$10.00} was posted to my XXXX XXXX XXXX As can be seen from the above time-line of events, XXXX failed to timely post my payments to my Visa account and thereby caused a violation of the {$5000.00} credit limit by charging interest to the account ahead of posting the last payment. Had XXXX timely posted the payments, there would NOT have been any violation of the {$5000.00} credit limit. Therefore, XXXX should be required to retract the negative credit information they sent to the Experian Credit Reporting Co. ASAP
Consumer complaint received 2024-09-07
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)

Hi- to whom it may concern I just checked my credit profile for the first time and noticed there are unauthorized inquiries that i believe someone stole my information.. Attached i have filled a identity theft report my records and your use. XXXX XXXX XXXX  IS ALSO ATTACHED. 

inquiries - 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-07
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. (NJ)

This letter serves as my final attempt to resolve this matter before escalating to legal proceedings. Despite multiple previous disputes and my clear evidence that these accounts are inaccurately reported, you have failed to remove the erroneous information from my credit report. Your continued reporting of these items is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations include but are not limited to : Failure to Conduct a Proper Investigation : As required under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation of any disputed items. Your investigations have clearly been inadequate, as the same inaccurate information remains on my credit report.

Reporting Inaccurate Information : Under 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information are required to provide accurate information. These accounts are incorrect and have not been verified with my signed consent.

Failure to Respond to Dispute : As per FCRA 611 ( a ) ( 1 ) ( A ), you are required to respond to disputes within 30 days. Your repeated failure to adequately address my disputes is unacceptable.

I have provided clear evidence that the accounts listed below are not mine and should not be reported under my credit file :
Consumer complaint received 2024-09-07
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-07
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 found that there are some unauthorized hard inquires on my Experian and XXXX Credit Report that I did not authorized this includes XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX Bank. I called XXXX and XXXX to file a dispute, by they have ignored my complaints and the hard inquires remains.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 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 2024-09-07
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. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX. I emailed Select Portfolio Servicing on XX/XX/2023 via email to supply the requested probate documents : official State of Utah probate document ( Letters of Administration which is what the State of Utah issues to the biological heirs in intestate cases ) ; my father 's death certificate. 

XXXX. On XX/XX/2023, I received a letter from SPS stating that they will not accept the official probate document I received from the State of Utah due to " applicable law '' which they failed to quote specifically. 

Since my father left an unsigned will on his computer, Utah State Law 75-2-503 " Writings Intended as Wills '' stipulates that : " Although a document or writing added upon a document was not executed in compliance with Section XXXX, the document or writing is treated as if it had been executed in compliance with that section if the proponent of the document or writing establishes by clear and convincing evidence that the decedent intended the document or writing to constitute : ( XXXX ) the decedent 's will ; " I informed SPS of this state law on XX/XX/2023, as well as provided them a copy of the unsigned will, death certificate, my father 's birth certificate, my birth certificate. I am the sole biological heir, and my father bequeathed his entire estate to me as written in his unsigned will.