davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
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)

XXXX XXXX is reporting a late payment for XX/XX/year> i made XXXX payments for that month one being on its due date XX/XX/year> in the amount of {$39.00} and another on XX/XX/year> for the same amount. I repeatedly disputed this and not correct actions have been taken. Please assist me. They are reporting this inaccurate information on my Experian credit report
Consumer complaint received 2024-06-26
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. (NC)

Following the review of my Experian credit report, I wrote to Experian on XX/XX/2023 via Certified Mail XXXX XXXX XXXX XXXX XXXX, requesting verifiable proof that I opened an account with the creditor, Dept of EDXXXX that was appearing on my credit report XXXX times. Experian never provided the proof and to this date, the accounts remain on my credit report which is a violation of the Fair Credit Reporting Act. 

The creditor is listed as Dept of EDXXXX on my mailed copy of my credit report and or Dept of EDXXXX XXXX XXXX with the same account number XXXX XXXX times on my report with various amounts outstanding.
Consumer complaint received 2024-06-12
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. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My personal information was stolen in 2023, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I received negative credit reporting with the XXXX credit bureaus. Someone using my identification requested a loan from a company called XXXX on or about XX/XX/XXXX. 

I was notified in XXXX when the account was XXXX months delinquent. I then file a police report XX/XX/XXXX. 
I went to the place where the person had the automobile fixed and got the loan for the repairs. 
I contacted XXXX and was able to prove to them that I am not the person requesting that loan.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

ON XX/XX/XXXX I FAXED OVER FTC IDENTIFY THEFT REPORT TO TD CUSTOMER SERVICE FRAUD DEPEARTMENT ABOUT ACCOUNT TELLING DEM TO CLOSE THE UNAUTHORIZED ACCOUNT THATS REPORTING TO EWS ( EARLY WARNING SERVICES )
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-08-03
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. (TX)

XXXX XXXX Last reported XX/XX/year> {$2600.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/year> ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX
Consumer complaint received 2024-06-12
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. (MA)

I am writing to dispute the following information in my file. The items I am disputing are also highlighted on the attached copy of the credit report I received. 

The inaccurate information I am disputing is as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act, Section 611, 15 U.S.C. 1681i ( 7 ), I am requesting a reinvestigation of this account. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( i ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, by not later than 15 days after receiving a request from the consumer for that description. 

Please provide a detailed description of the procedure used to determine the accuracy and completeness of the information listed above. Specifically, I am requesting the business name and address of any furnisher of information contacted, and the telephone number of such furnisher, if reasonably available. 

If the information can not be verified, I request that it be deleted from my credit report. 

Please consider this letter a formal request to delete this inaccurate information within 30 days of receipt. I appreciate your prompt attention to this matter and look forward to your response.

I am disputing this account, Pursuant to 15 usc 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuer to 15 usc 1692g ( a ) ( 1 ).
Consumer complaint received 2024-06-12
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-12
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. (CA)

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 XXXX  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 2024-06-12
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)

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 : XXXXXXXX XXXX XXXXXXXX {$15000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6000.00} XX/XX/XXXXXXXX XXXX XXXX  {$3500.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  {$22000.00} XX/XX/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 2024-06-12
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. (NV)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$5700.00} XXXX XXXX XXXX XXXX  {$2100.00}
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (PA)

3rd Party collection company is attempting to collect a debt, that was not mine nor authorized by me, additionally, this debt they are attempting to collect is beyond 6years the statute of limitation in Pa where I reside, the holder of this debt is also a collection agency, XXXX the original debtor removed the debt
Consumer complaint received 2024-06-12
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. (MN)

Im in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this item to immediately be re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act. Public law 91-506. Title v1 Provide the names and business of each individual with whom you verified the account with. Please send an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: LoanCare, LLC (AZ)

My mom passed away on XX/XX/XXXX. She had been paying her mortgage payments for 10 yrs. Her original loan has passed thru a few different lenders. One lender tried to illegally foreclose, I hired an attorney, showed them my proof of fraud, one appearance in court and lender was ordered to stop foreclosure and lower mortgage payment back to where it should be. That lender sold our loan to our current lender. We missed one payment, after that I immediately made arrangements to give lender access to deduct all future mortgage payments from our bank account on the XXXX XXXX of each month. Over the next few months I also gave the lender an extra {$400.00} or {$500.00} each month until the missed payment had been paid in full and our loan was current. It was during that time that the lender said we had to fill out papers for a " loan modification '' if we wanted to keep the lower " interest rate ''. I didn't understand and tried to ask questions, but everyone I talked to made it more confusing with all their " legal '' mortgage mumbo jumbo saying it was in our best interest to do the loan modification, so we did it. That was in XXXX, now I am having to sell my mom 's home only to find out that besides the balance of the original loan we have to pay a " 2nd mortgage lien '' in the amount of {$63000.00}. All I can find out is that someone got HUD involved and they gave our lender {$63000.00} towards our loan. Everyone I call about this tells me I have to call this office or that office, I can't get any straight answers. My mom 's original loan amount was for {$240000.00}, her payments have gone up and down and up again over the years but most of her payments were {$1600.00} a month for the last 10 years. House is going thru escrow now, lender gave our payoff amount as {$180000.00} but the Title company said that 2nd lien of {$63000.00} also has to be paid before escrow can close. Do the math, {$180000.00} + {$63000.00} = {$250000.00} which is {$9000.00} more than the original loan amount. So basically, my mom paid {$1600.00} a month for 10 years and now she owes MORE than she borrowed. What did they do with all the money she paid them? I've got a stack of documents from different lenders, I have 3 or 4 different " DEEDS '' with different names on them, I've got papers showing one lender committing fraud to illegally foreclose, I've got court transcrips. What I don't have is someone honest to help me. I can't handle this by myself, can you help me? Believe it or not, this was a very brief summary of what has been going on, I could talk your ears off for a couple of hours if you want more detail. I won't have any money to pay you until escrow closes and I see what, ( if anything ) I am left with. I don't think I should have to pay {$63000.00}. I didn't ask HUD to get involved, I never received any money from anyone, so how could this money be added to my mom 's loan for no reason?
Consumer complaint received 2024-06-12
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. (CA)

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 2024-05-08
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NY)

I never received my stimulus payments from XX/XX/XXXX ( {$1200.00} ) and XX/XX/XXXX ( {$1400.00} ) so I contacted DIRECT EXPRESS/COMERICA BANK and asked for an investigation along with the bank statements to conduct my own investigation..once I filled out the paperwork sent from DIRECT EXPRESS I waited several months only to be told they couldn't do anything because " I exceeded the time frame '' ..after complaining for several months i was told to contact the IRS..I sent the IRS several tax forms and other information and spoke to several agents over 8 months and was told by a higher up that a XXXX XXXX was done and DIRECT EXPRESS/COMERICA BANK were holding the money so long IT EXPIRED..I was sent XXXX letters from the IRS showing that DIRECT EXPRESS/COMERICA said they received the money but never deposited it into my account on XX/XX/XXXX like they said they did..for the record DIRECT EXPRESS/COMERICA BANK is already in a class action lawsuit for withholding other people 's stimulus payments as well
Consumer complaint received 2024-06-12
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. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-12
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)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (VA)

I recently pulled my credit report and saw that the COLLECTION BUREAU of HUDSON VALLEY INC, is reporting a collection account on my report. I have never done business with this company and never gotten a written documentation proving this debt. Please send all documentation proving my debt on this account.