davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, and Experian. Please delete the following accounts and ANY and ALL inquires associated with the accounts. The accounts are XXXX with a bal. of {$19000.00}, XXXX XXXXXXXX XXXX with a bal. of {$2200.00}, XXXX XXXX with a bal. of {$450.00}, XXXX with a bal. of {$1100.00}, XXXX XXXX with a bal. of {$240.00}, XXXX AND XXXX with a bal. of {$260.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

My wife and I are elderly retired people that survive on our social security income only. I had  XXXX   XXXX   XXXX  in  XXXX  and could not work any longer as a  XXXX   XXXX  and had to retire in  XXXX . My wife was knocked down on her job about 3 years ago by a forklift and could n't go back to work as a  XXXX   XXXX . My wife is on Social Security  XXXX  as a result of this on the job accident.     Our combined Social Security checks are not enough to pay the current the mortgage amount which we paid on time every month on time until last year. We requested modification of the mortgage from our lender,  US Bank and our modification request was approved late last year. We were advised that we needed to make 3 trial payments of {$830.00} in order to complete the modification. We had to leave the country for a few months so we called US  Bank on  XXXX / XXXX / XXXX  and spoke with  one  of their employees,  XXXX   XXXX   XXXX , our assigned representative. We informed  XXXX   XXXX   that  we were leaving the country for a few months and asked if we could have the trial payments automatically deducted from our bank account. We were advised that this was possible and th e 1st tria l payment was deducted from our back account via  XXXX   XXXX   XXXX  pay on  XXXX / XXXX / XXXX . We were under the assumption that the remaining two trial payments would be deducted automatically.     We called  US  Bank in  XXXX   XXXX  to inquire why the money was not deducted from our bank account and was advised that it was not possible to automatically draft trial payments from a bank account and we needed to have made the remaining trial payments and since the remaining payments were not received, loan modification was cancelled. We appealed this decision on the grounds that we not properly advised by  XXXX   XXXX  and we have proof that the money was in our bank account waiting to be deducted. We were advised that there is nothing that could be done and to re-apply for modification.     We followed their instruction and re-applied for modification a second time but our request was recently denied stating that we are now not able to afford the mortgage since we owe more money now, we are 11 months behind on the mortgage. This is unfair and we disagree with this decision when are in this position because their employee gave us incorrect information. Attached is the appeal letter we sent to US Bank challenging the denial of the re-modification of the our mortgage.
Consumer complaint received 2024-10-26
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. (TX)

researched on how to remove the fraudulent accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Performant Financial Corporation (AZ)

This collection company "  PERFORMANT '' su bjects me to multiple RoboCalls every week at my place of employment. I work for an   XXXX   XXXX  . On  one occassion  I permitted the RoboCall to connect me with an agent whom I informed they are violating FDCPA rules of how, when, and where bill collectors can contact debtors. That they are contacting me at my place of work, which is a  XXXX , an   XXXX   XXXX   XXXX  , and I also informed their agent my employer does not permit such incoming calls to their employees. And finally, I informed their agent that I had retained an attorney to represent me in Bankruptcy filing and gave her my attorney 's information for all future attempts at contacting me. Unfortunately, the RoboCalls continue every week.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Recently, I did an investigation on credit report and found several items on there to be inaccurate and fraudulent. 

Under XXXX XXXX XXXX XXXX ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SoLo Funds Inc. (FL)

I'm a lender on the XXXX Funds platform. I have several loans that are defaulted and past due. I have XXXX past due loan that shows pending payback. The pending payback has been like that for about XXXX months now. I need XXXX Funds to fix the " pending payback '' status of that loan. It should be showing as past due and it should be with collections. Next, I need detailed statuses of the collections for all XXXX of my past due loans. I also need the names and contact information of the borrowers so that I can send demand letters for repayment and file small claims against the borrowers. I have a legal right to this information since the borrowers agreed to the loan terms and accepted my money for the loans. 

I've opened multiple tickets but received no response from the company.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My credit profile was updated to show a delinquent account was removed from my credit reports including XXXX, XXXX and Equifax. After the delinquent account was removed, the action dropped my credit score significantly. A delinquent account removal should never decrease scores! This action is a positive change but instead is negative. I believe that these reports are false and I request my profiles to be properly updated.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-28
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. (NY)

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these measures to protect my credit. 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$670.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$670.00} XXXX. XXXX  XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$11000.00} Additionally, I would like to address the following inquiries associated with my credit report : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

XXXX XXXX. Social security # XXXX DOB XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account that opened up by XXXX XXXXXXXX XXXX Acct # XXXX This accounts have resulted in fraudulent activity appearing on my consumer EARLY WARNING SYSTEM report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. I've attached the consumer report stating The account that is showing fraudulent activity on my EARLY WARNING SYSTEM report. I do not recognize the aforementioned accounts. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-26
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. (IL)

Subject : Formal Dispute of Inaccurate Information Request for Removal or Correction Dear Experian Dispute Department, I am writing to formally dispute the inaccurate information that remains on my credit report despite previous attempts to correct it. The accounts listed below have not been updated or removed, and the inaccuracies continue to harm my credit profile. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), I am requesting that these items be thoroughly investigated, verified, and removed if they can not be confirmed as accurate. 

Here are the specific accounts in question : XXXX  XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Report Number : XXXX Date Submitted : XX/XX/year> Issue : This account remains inaccurate and should be corrected or removed from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Report Number : XXXX Date Submitted : XX/XX/year> Issue : This account contains errors that have not been rectified, and I request immediate correction or removal. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Company : XXXX  XXXX Auto Finance Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Report Number : XXXX Date Submitted : XX/XX/year> Issue : The information on this account is incorrect, and I am requesting an investigation and update or removal. 
XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Report Number XXXX XXXX Date Submitted : XX/XX/year> Issue : This account remains incorrect and should be corrected or deleted. 
XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Report Number XXXX XXXX Date Submitted : XX/XX/year> Issue : This account is inaccurate and has not been updated despite previous disputes. 
XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Report Number : XXXX Date Submitted : XX/XX/year> Issue : This account contains errors and has not been properly corrected or removed. 
I respectfully request that Experian perform a thorough investigation into these accounts. If they can not be verified as accurate, I expect them to be deleted from my credit report in accordance with 15 U.S.C. 1681i. Additionally, I request that an updated copy of my credit report be sent to me once these errors have been addressed.

Please be advised that if this matter is not resolved within the legally mandated 30-day period, I will explore all available legal options, including seeking damages for continued violations under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 

Sincerely, XXXX XXXX. XXXX XXXX.
Consumer complaint received 2024-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/XXXX I ordered a custom built boat, I paid {$14000.00} as a down payment cash. Suncoast Credit Union gave me a boat loan for the remainder which is approximately {$60000.00}. I advised the bank to pay me the loan amount so that I could pay the builder as he built the boat in XXXX. The bank refused this and sent the builder a a spec sheet to which the builder provided fraudulent information to the bank ie : serial number to motor and trailer from builds prior.the boat was scheduled delivery in XXXX of XXXX however, the boat has not been delivered. I have made a years worth of payments and the bank is now just realizing I dont have the principal to the loan. When I presented this to the bank they refuse to go after the builder and protect me the client. I am filing criminal charges against the builder but the bank needs to take the loan over and go after the builder. I cant get the loan officer to call me back and have asked repeatedly for his supervisor to call me with negative results. The bank admitted they made a mistake but I feel the loan officer and his supervisor are trying to cover themselves for making the errors they have in lending the money.
Consumer complaint received 2024-10-26
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 HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-26
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. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.