davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
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 submitting a complaint against Experian for reporting fraudulent accounts on my personal credit report after being informed multiple times the accounts are result of fraud. I have provided them with a XXXX Police Department police report, as well as an FTC identity theft affidavit pursuant to the FCRA. 

After each dispute I have completed with Experian, they proceed to send me a letter that states, " the disputed items can not not be blocked due to not providing all pages of an identity theft report '' ( see this letter attached. ) I have provided ALL pages of my police report and identity theft report every dispute however they continue to send me this letter. It is very clear to me that Experian is trying to use stall tactics to complicate the resolution process ; which is very disturbing because I am sure they are aware of the crucial role they play in consumers qualifying for credit, loans and even employment, such as in my case. 

Experian continues to willfully and knowingly violate my consumer rights and have caused me a great deal of undue emotional and financial distress. I was denied an XXXX loan to repair flood damage that occurred in my home due to a storm in my area, I also as denied a promotion with my employer recently due to these errors which infuriates me. I have disputed these fraudulent items since XXXXXXXX XXXX via mail and online. Each dispute resulted with me receiving a letter stating the above mentioned statement from Experian. 

I am stressed and exhausted to the XXXX dealing with Experian. I have submitted an Attorney General complaint in each state Experian has an headquarters, XXXX and XXXX today, as well as this CFPB complaint. I have also escalated my concerns to the the XXXX XXXX XXXX and his XXXX team by email. Taking this steps will be my last and final attempt to amicable resolve this matter. If it is not resolved promptly I will pursue legal action against Experian for violating my consumer rights and causing me a great deal of emotional and financial distress.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Total Auto Finance (VA)

I purchased a vehicle from XXXX XXXX XXXX ( Total Auto Finance ) a 2018 XXXX XXXX. The advertised price was XXXX dollars and the vehicle had XXXX miles. The price was up charged from XXXX as advertised to XXXX. Then XXXX XXXX was added for XXXX dollars, XXXX was added for XXXX for another upcharge of XXXX. The cash sale price was then XXXX dollars. 60 days into the contract they cancelled the listed services so I asked for a new contract to show the loss of XXXX XXXX and XXXX  they said they would update the loan. They sold the loan to another company and havent reflected my payments nor the upgraded contract.
Consumer complaint received 2024-06-05
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 disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score XXXX Account XXXX : XXXX, XXXX. Why are there multiple account numbers? In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. You are also reporting multiple errors and inaccuracies across all bureaus why? should all information match and be 100 % accurate under the FCRA? so you are in violation and I demand this account be delete immediately for violating my consumer rights! under 15 USC 1681n Civil Liability I demand monetary relief! if you are doing this to me you are doing this to multiple consumers.
Consumer complaint received 2024-02-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

ULTA Bank, or Comenity bank charged me an excessive late fee. However, that is not the point. ULTA failed to adequately inform me of my account, which I got no communication from. I accrued the XXXX dollar late fee even after paying off the account whole in XXXX of XXXX, and they failed to inform me of my new debts even after I moved and also updated my address with USPS. 

In fact, my credit report states that the account was supposedly closed by consumer on XX/XX/. Despite this, they kept charging late fees. 

The account was recently bought by XXXX XXXX, a debt collector, which is the only way I found out I had this debt.
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

During the XXXX  year, I have sent an additional {$200.00} ( or approximately {$2300.00} ) with my Rushmore Servicing mortgage payment to cover any potential escrow shortfall. The additional money sent, was more than enough to cover any potential increases in insurance and taxes so as not to have the mortgage payment increase the subsequent year. 
To my surprise, in midXXXXXXXX XXXX I received a call from Rushmore Servicing informing me that I had a mortgage shortfall of {$740.00} and that my mortgage payment would increase. 

I have called Rushmore Servicing several times to have them review their escrow calculations. The customer service representatives who handled my phone calls could not resolve the issue. I then requested to speak with a supervisor or manager in order to review with him/her their escrow calculations against my detailed spreadsheet, which depicted my payment and extra escrow payment breakdown, to rectify this mistake on their part. 
No phone calls were ever received from a supervisor or manager. 

Hence, the reason why I am submitting this complaint to humbly ask the CFPB 's to assist me in rectifying this subject matter with Rushmore Servicing Mortgage Servicer. 


P.S. My detailed spreadsheet is attached. 


Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX PH : XXXX Email : XXXX XXXX
Consumer complaint received 2024-06-05
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 express my frustration with the dispute process concerning an items on my credit report and to formally dispute these fraudulent information. Despite my diligent efforts to provide valid documentation, including the required FTC report, it appears that my message is not being properly received by your bureau. Let me be clear : I am personally initiating these disputes under my name. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

I am requesting your assistance in correcting my credit file, which is essential to my financial well-being and overall quality of life. I demand that you take immediate action to resolve this matter, and I expect to receive written confirmation of any updates made to my credit report. 

The items in question is unfamiliar to me, and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that this record be rectified. Enclosed is the items that are unfamiliar to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-05
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. (NY)

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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The account XXXX, is currently being reported INACCURATELY by the creditor. The vehicle attached to this account was repossessed on XX/XX/year>, between the hours of XXXX. However, the creditor 's reporting of the account for the months of XXXX & XXXX, show " CHARGE-OFF '' as the account status. This is grossly INACCURATE. A " CHARGE-OFF '' implies that the vehicle has not been recovered, which is incorrect in this situation. Due to this INACCURATE reporting, which violates my consumer rights, I am requesting the account be removed from ANY & ALL consumer reports.
Consumer complaint received 2024-06-05
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 2019-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX a man knocked on my door an gave me a package of Summons. 
The tittle of the summons is In The XXXX County Court In And For The State Of Washington XXXX Division- XXXX CourtHouse . 

Plaintiff, Bank If America, N. A. 
NO. Summons. Lawsuit has been started against me. Plaintiff claim is stated in the written document complaint, a copy a copy is served upon me with this Summons. 

This Summons is issued pursuant to Rule 4 of the Civil for Courts of Limited Date this XX/XX/XXXX. From XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX ; XXXX. WA XXXX. 

This is Electronically File on XX/XX/XXXX. XXXX XXXX County District Court. 

Current balance amount of {$17000.00}. 

America Bank N. A. was merged into and under the charter and file of Plaintiff effective XX/XX/XXXX 

This collection is not mine, be cause back in XXXX I was the most valuable customer in Bank of Mercia.  Also, I have no currently the owe such an amount. 

Please give an advise what to do. 

Thank you, XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-05
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)

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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-05
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. (MO)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Charge off from XXXX XXXX XXXX XXXX  was supposed to be deleted on XX/XX/XXXX it wasn't deleted, first date of delinquency was XX/XX/XXXX account has been updating which is causing it to re age, charge off are supposed to be deleted after 7 years, I've sent letter to all XXXX company 's and no response
Consumer complaint received 2022-09-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I've ask that the credit reporting agencies do a proper investigation verify any signature and everything relating to these acounts.I have rights under the fair credit reporting act that says inaccurate information shouldn't be on my credit report. Please do a proper investigation into this matter. And remove this incorrect information from credit report. 

XXXX paid/closed XXXX XXXX acount charged off XXXX XXXX XXXX services account charged off XXXX XXXX XXXX total card closed XXXX XXXX XXXX XXXX account charged off XXXX XXXX {$180.00} XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-05
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. (MN)

Im a victim of XXXX XXXXt. The following accounts currently showing and listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent accounts and is the result of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I XX/XX/year>
Consumer complaint received 2024-06-05
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. (OK)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXXDate Opened : XX/XX/2017 Balance : {$10000.00}
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (NJ)

This correspondence is to notify MILESTONE there are fraudulent account ( s ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''.

15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Furthermore, MILESTONE debt collection practices are in violation of the FDCPA. Please see attachment for further details.