davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
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)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 



XXXX XXXX, Experian, and XXXX have violated my rights. 
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 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 or 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 data is inaccurate.
Consumer complaint received 2023-12-30
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. (NC)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

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 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 or 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 data is inaccurate.
Consumer complaint received 2023-11-23
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: EQUIFAX, INC. (CA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX 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 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXXXXXX XX/XX/2021 {$1600.00} XXXX XX/XX/2021 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-07
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. (IL)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2024-06-07
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. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-07
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. (SC)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-11-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Credit Acceptance Corporation Has the Nerve to send even more extorting and evidence of fraud. The company is so used to committing fraud, it doesn't even know it's doing it. The company has the nerve to send me a letter stating they plan on selling my property at auction to make even more money after extorting me out of my interest payments for years, well I reported Credit Acceptance Corporation, Credit Acceptance Funding LLC, Credit Acceptance Auto Loan Trust and all its representatives to the Federal Trade Commission reference # : XXXX for book-entry securities fraud, extortion, tax evasion, embezzlement, and every other violation the companies are blatantly committing. I wrote the Governor in my state, and the Secretary of State. And I'm wondering my Account is still due XXXX in interest and the company is still playing in my face, my car better be back in front of my house immediately. no titles rights or interest past due to fraud. Return my property that was in my automobile and the automobile and my interest payments and the payments that was deposited on top of that. 
XXXX XXXX
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX my account was hacked and I got in touch with the bank to let them know what was going on for several weeks to tell them I was scammed by a loan company and I told them I would not hop my information out and I told them the last time I used my card I having a over draft because of the loan company the stole my money that was in there and the even put a fake check in my account and transferred money so Im left trying to get all my money that was in and the check that was deposited in my account from my job
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists
Consumer complaint received 2023-12-30
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)

I have sent XXXX different letters asking the credit bureaus XXXX, Experian, XXXX to remove the hard inquiries from my credit report since I did not authorize them, I was not successful with XXXX and Experian but XXXX did make the correction. 


The first letter was sent to XXXX, Experian, XXXX on XX/XX/ The second letter was sent to XXXX, Experian on XXXX  The third letter was sent to XXXX, Experian on XXXX  The message of the first letter was : " To Whom It May Concern : I am writing to request that the following inquiries are removed from my credit report, as I did not authorize them, and they are harming my ability to obtain new credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for you prompt attention to this matter. I would appreciate an updated copy of my credit report once the inquiries are removed. 

Sincerely, " I have called them explaining the situation multiple times and they claim that they can't do anything to help me. 

For this reason I am filing a dispute, I need help, thank you.
Consumer complaint received 2023-09-20
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XX/XX/
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma (TN)

I was using credit karma for a while and XXXX XXXX I noticed the phone number was changed I did not know. I also seen a couple of transactions I did not do, I immediately called them said their was fraudulent charges and freeze the account. The hacker had stile my identity and compromised my email. ( Said hacker is in jail now. ) I was seeing my money steadily going to XXXX accounts XXXX accounts XXXX XXXX and a XXXX XXXX that I know of even got into my work email and had my payroll routed to a fake account in my name to him. He got my ID and SSCard because the only way credit karma would even deal with me is by emailing them copies of identification. All the while my money was jus gone. I got a detective out of XXXX XXXX Tennessee to help me which we are still dealing with. XXXX locked me out of my own account and thr hacker kept changing the password which is what I told them they would not listen all I got was they were turning that over to their escalate department that ONLY COMMUNICATES via email. So the entire time I was telling them the hacker was in my email and I would not conversate with them thru rail. Now all these months later tracking this man down credit karma said they have distributed all my money back minus XXXX I have no clue when or what or where it was sent because at XXXX point they closed the account so where was my money sent? I've not seen a XXXX of my money since XX/XX/2023. They said they mailed XXXX to me XX/XX/2023. It never came and they are demanding I send them my ID thru email bc again u can't speak to that depth. They have caused XXXX my job a loan to jus live now my home everything has been taken from me and they think it's not a big deal and I'm irrational because I won't email my private information. I will never do that again bank 's call me a liability I have numerous loans I don't know about and about XXXX credit inquiries and XXXX knows what else. This banks negligence has ruined my life still refusing me the XXXX much less all my other money they said the fraud dept repaid they tell me XXXX minute I don't have the correct address on file transfer my call and that person says XXXX us my correct address. I now see a XXXX XXXX XXXX of all of this it's major XXXX and the not knowing how or who or anyone to help me a lawyer says XXXX a great case but wants XXXX pwr hour I can't do that I can't even get my other money. I need help please getting all of my money they call me a liar they hang up on me daily I can't do it anymore
Consumer complaint received 2023-12-30
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)

The list on my Experian File is XXXX different variations of my name, and employers unknown to me. 

Report # XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report # XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-30
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. (TX)

A request was submitted multiple times to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate, however I am not liable for this debt with XXXX XXXX XXXX for {$1200.00}. They did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2 by keeping this inaccurate account on my credit file. This company has no permission to report illegitimate details using my personal information pursuant to 15 USC 1681 4. 

After months of disputing, this account is still reporting inaccurate late payments well past the statute of limitations. This account has incorrect details reporting through different agencies regarding last payment dates and late payment history, which are false. 

For example, the collection account had been active for years in collection status, then in XXXX marked up to 180 days past due, and then continued collection status thereafter. 

Furthermore, in XX/XX/2023 one or more credit reporting agencies have REMOVED this account from my credit file due to these violations and inaccurate reporting. I have seen this account only closed with other reporting agencies who have not validated this debt or details reporting, nor have provided me proof.
Consumer complaint received 2024-06-07
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)

Hello, My name is XXXX XXXX XXXX. I am a Consumer that currently reside at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX XXXX I am writing this complaint because I originally filed a complaint with XXXX through the CFPB 's website on XX/XX/XXXX, XXXX case number : XXXX, in which XXXX responded back on XX/XX/XXXX. This response was outside of XXXX to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. A subsequent dispute was filed with XXXX  through the XXXX 's website on XX/XX/XXXX, case number : XXXX in which XXXX has XXXX in progress of a response since XX/XX/XXXX. As of XX/XX/XXXX, the time frame for XXXX to conduct a reasonable reinvestigation has expired once again, pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ). XXXX willfully continues to not comply with XXXX and XXXX XXXX Laws. THIS NEEDS TO BE INVESTIGATED IMMEDIATELY.
Consumer complaint received 2023-12-30
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. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (SD)

My Loan Care for XXXX XXXX. Loancare.com Keeping a check of mine for XXXX and some dollars, an escrow refund. 

Was deposited and then returned by my bank. 

Tried to re-desposit at my bank. A few times, multiple people there said its " on their end. Couldnt really get any good answer. Went to XXXX XXXX who is XXXX 's issuer but " not really their bank '' per XXXX XXXX, to try and cash it. That didnt work either. XXXX said we are a larger bank and they use us instead of their own bank or something. Spent about XXXX minutes at XXXX XXXX XXXX XXXX branch for them to say " try it again ''. 

I explained all this to the lady on the phone at the mortgage servicing company about XXXX weeks ago. She said they would issue me a new check. Of course, they didn't and today when I called them is when they said that I endorse the check and it's showing that I cashed it. Nor did they call me, email or anything. They did nothing except keep my XXXX and some dollars with no more communication. 

This company really needs to be penalized for this kind of thing. Ive spent so much time on this. On hold, in calling trees, in my bank, in XXXX XXXX, their bank.. 


On XX/XX/2024, at XXXX, XXXX XXXX XXXX XXXX : The yellow copy my banker mentions below can not be deposited, I've tried a few times. And today again, they've said " it was deposited and you endorsed the back ''. 

It was definitely not deposited. 
_____ XXXX, Email from banker at XXXX XXXX Bank today : I reached out to our deposit operations team, and they advised refer to maker could be for a number of reasons. They did mention if an account is negative at the time a check is deposited, that check could be returned refer to maker for having insufficient funds. I know that does not help much, but unfortunately, they do not give much detail. 

This check was deposited into your account XX/XX/2024 and retuned XX/XX/2024. The yellow copy you received is a legal copy of the check and you can deposit it back into your account. 

Please let me know if you have any questions or anything else I can help with. 


XXXX XXXX XXXX XXXX XXXX REPRESENTATIVE XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX firstinterstate.com
Consumer complaint received 2024-06-05
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)

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected rights to privacy and confidentialiy under XXXX XXXX XXXX XXXX : # 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 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. States a consumer reporting agency can not furnish my account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information, other than record 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.