davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I am filing a complaint regarding inaccurate information on my Experian credit report related to both personal information and a collection account. The XXXX XXXX XXXX account ( Account Number : XXXX ) is reported incorrectly, and I am requesting that Experian verify the legitimacy of this debt by providing a complete chain of transfer, documenting each assignment or sale to debt buyers. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a thorough investigation. If Experian can not provide this documentation, I am requesting that the account be deleted as unverified. 

Additionally, there are errors in my personal information. Experian has listed outdated names, addresses, and employment information on my report. I am requesting that only " XXXX XXXX '' appear as my name, and that my current address, " XXXX XXXX XXXX, XXXX, TN XXXX, '' be the only address listed. All other addresses, employment information, and unnecessary generational identifiers ( such as date of birth ) should be removed to prevent errors in identity verification and ensure the accuracy of my report. 

Experians handling of my previous dispute did not appear to meet the standards of thorough verification, and I believe that the FCRAs requirements for accuracy have not been fulfilled. This inaccurate reporting is affecting my credit and could lead to identity confusion.
Consumer complaint received 2024-11-02
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)

15 U.S. Code 1681c-2 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, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-02
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. (MA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2023-04-20
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: SANTANDER HOLDINGS USA, INC. (IL)

I spoke with a representative by the name of XXXX on XX/XX/XXXX, who is an employee of Santander Consumer USA. XXXX told me that a letter of suppression was sent to all 3 credit bureaus to stop reporting and delete the charge off from Santander Consumer USA. XXXX said that on XXXX XXXX that Santander Consumer USA credit department had spoken with all 3 credit bureaus verbally to stop reporting and delete the negative information placed on my credit report. XXXX gave me an audit number XXXX to give to the customer service representative with all 3 credit bureaus to confirm the information he had given to me. I asked XXXX multiple times to send me a letter in the mail. He told me that it was not possible for him to do that. I was told that their system is unable to generate any information on my account. They claim that they couldnt send me any form of documentation to verify that I was clear to have the negative remarks removed from my credit report in the mail. Santander Consumer USA charged the account off with IRS in XXXX, and sold the debt to XXXX XXXX in XXXX. Neither companies want to pursue any financial action against me. XXXX representative told me that what they were doing to me was illegal, and they could not deny me of any paperwork to prove that Im clear. I have attached the documents that I sent to all 3 credit bureaus. The credit bureaus are saying that, although I submitted the documents to show that XXXX XXXX is no longer pursuing any actions towards me Santander Consumer USA is still reporting to all 3 credit bureaus on the back end.
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (AR)

Contract was signed with XXXX XX/XX/XXXX my loan with goodleap begun XX/XX/15 At this time my panels were not functional and had trouble getting in contact with anyone from XXXX. 

On XX/XX/XXXX while watching XXXX we found out that the company XXXX XXXX was no where to be found and of a possible bankruptcy. 

I expressed my concerns with Goodleap and informed them of the bankruptcy and how my panels were left at a 10 % install progress. They assured me they were not under bankruptcy and that they ( Goodleap ) called in XXXX to let them know of a " New Year Staffing '' this conversation was saved. 

During thus time I called my electric company and they informed me that XXXX never sent interconnection applications and we were not approved for the panels placed on our roof. I also called the city and was informed XXXX never requested permits to work on our roof. 

I kept calling Goodleap every week to ask about the status of my complaint with no luck. I called for 2 months straight with no new answers. 

As of XXXX I decided to hire a lawyer to help with this matter. 
This lawsuit has expanded into a class action lawsuit with more than 100 ( this list keeps growing ) customers affected by XXXX and the financial companies. 

I would like Goodleap to cancel my loan and pay me back the money sent. I paid {$12000.00} as an initial payment and 3 months of {$150.00} after that. XXXX breached the contract by not finishing the job and Goodleap dispersed the money without verification of the status. 

Thank you!
Consumer complaint received 2024-07-11
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 formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-11-02
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. (FL)

In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681 5 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments and an account only charge off once not every month thats inaccurate and grounds for deletion in itself per 15 U.S.C 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. A charge off reporting every month is in direct violation of the F.C.R.A. Either one of two things are happening you moved the account into charged off status and the IRS has XXXX the debt deeming it canceled or forgiven which is also considered income and your falsely saying I owe money on the debt or you havent charged it off and you falsely claiming that its been charged off on my report to tarnish my credit report month after month and dont think for XXXX minute that I wont XXXX you for statutory damages for violating my rights please fix it XXXX XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/year> and a balance of {$4000.00}.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

What happened ( statement of pertinent facts ) : I am a victim of identity theft Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit 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 a personal credit card account opened at XXXX {$510.00}. 
XXXX. XXXX XXXX XXXX {$500.00} ( collection account ) XXXX. XXXX {$7800.00} XXXX. XXXX XXXX XXXX {$45000.00} XXXX. XXXX XXXX XXXX {$5300.00} 6. National credit adjust {$1500.00} ( collection account ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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 2024-07-11
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)

I am deeply frustrated by the response from the credit reporting agencies regarding the investigation of these accounts, which they claim came back as verified. However, this assertion baffles me, as my credit report still contains multiple inaccuracies. 

As a conscientious consumer, I have the right to understand the thoroughness of the verification process conducted by your agency, as stipulated under 15 U.S.C 1681i ( 7 ) Method of Verification. I demand a detailed account of every step taken to ensure the 100 % accuracy of these disputed items. 

It is unacceptable that despite these purported investigations, my credit report continues to reflect discrepancies. I urge your agency to rectify these errors promptly and provide me with the comprehensive documentation I am entitled to under the law.
Consumer complaint received 2024-09-16
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: EQUIFAX, INC. (MI)

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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The hard inquiries on my credit report are incorrect. I filed a report with identity theft.gov XXXX XXXX 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/year>
Consumer complaint received 2024-07-11
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. (AZ)

I just reviewed my credit report and I noticed the following hard inquires on my report and I did not authorize any of these. I listed them below : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-11
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. (CO)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX, and I have not yet received a response.
Consumer complaint received 2024-09-09
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. (FL)

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 2017-03-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (SC)

A neighbor referred XXXX XXXX, Sears XXXX XXXX, for replacing windows. Because our XXXX yr old daughter had to move in with us after her house tested positive for MOLD + they found XXXX XXXX leak @ the time. Unaware she inhaled toxins for 7 yrs & got sick. She XXXX for this. She XXXX in humid, rainy days. Our house was built XXXX. We thought new windows would help her. We were not aware we had to pay anything upfront. XXXX said we had to open a Sears Credit Card to pay for the windows. Reluctantly we did. We have XXXX credit cards we use exclusively & could not use we were told. We explained our situation. Our expenses on fixed income high for our daughter 's medical bills, care, higher utilities. 1 day a truck pulled up in front of our house with windows. 1 man discovered that our windows, doors & trim where all white inside our house. The ones THEY brought were beige inside & out. We made it clear they had to be white on the inside & beige exterior to match the outside. XXXX did the order on his laptop, we received no copy. One man came from the attic with 1 of our windows walking out the front door. I stopped him & told him that the attic windows were not to be replaced. 
Total window where not the right number. The order was wrong. He went back up & stuck the window back in, no tools, assuring us it was safe & sealed. A few weeks ago I saw a stain on our ceiling on the 2nd floor below that attic window. After talking for a while to someone at Sears they left. XXXX XXXX was in the hospital he emailed us. He gave us XXXX XXXX XXXX XXXX whom we contacted. Nothing got resolved. We told him eventually we lost trust in Sears and wanted to cancel the entire order. He said he would. Emailed us. XXXX XXXX never contacted us. Since then we get bombarded with invoices. We talked to someone who contacted us in response to my Internet post. Nothing was resolved. I am XXXX yrs old, my husband is almost XXXX. We take care of our daughter who is XXXX 2+ yrs. Thank you for your help.
Consumer complaint received 2024-07-11
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/year> 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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

XX/XX/XXXX personal information incorrect XXXX XXXX XXXX- no response XXXX information incorrect XXXX XXXXXXXX XXXX- no response XX/XX/XXXX XXXX information incorrect no response from Experian XXXX response from Experian XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX credit No Response from Experian XX/XX/XXXXXXXX XXXX credit no response from Experian XX/XX/XXXX XXXX XXXX XXXX no response from Experian XXXX no response from Experian XX/XX/XXXX XXXX XXXX no response from Experian XX/XX/XXXXXXXX XXXX XXXXXXXX no response from Experian XX/XX/XXXX XXXX XXXXXXXX no response from Experian All the accounts are showing charged off information that is on my credit report is XXXX XXXX These accounts should be showing XXXX Balance