davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 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 2023-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage holder ( Mr. Cooper Nation Star ) did not pay the homeowners insurance through the escrow account that is in place. I was notified from the insurance company ( XXXX ) that my policy was not enforce due to non-payment and i needed to make a payment to keep it that way.. I contacted the mortgage company they said they no longer accept them because their rating had dropped. They failed to inform me with a letter and admitted they found no evidence of sending me a letter. They have accepted that insurance for the last few years. The policy is a fair price with great coverage from a reputable company. It is getting more difficult to obtain homeowners in California and the price is doubled if not tripled to get some. They were the ones who dropped the ball by not informing me and giving time to find comparable/fairly priced insurance.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-26
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)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-15
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. (TX)

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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

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

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




XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-26
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. (NY)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXX XXXX, XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-26
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. (FL)

ON XX/XX/XXXX Experian, Credit COMPANY allowed someone to pull my credit report without my consent. I contacted Experian Credit bureau about the fraudulent activity, which was not made by me at the time of the hard inquiry. My credit account was frozen someone then unfroze my account, and was able to create an hard inquiry on my account XXXX on XX/XX/XXXX remove the hard inquiry from my account as a result of this fraudulent activity from the hard inquiry. It caused my credit score to drop from exceptional credit to very good credit. I have maintained my credit report and high standards to appear to lenders as exceptional credit. Now my credit is not exceptional any more due to fraud. I am asking experian to please give me back the XXXX points they took from my credit report. This is not fair and I am asking. Experian to make this right on their behalf of the company Experian
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (WI)

I placed an order from XXXX on XX/XX/year> for {$84.00} and XX/XX/year> for {$110.00}. I never received any of the items that I order from either of those orders. XXXX claims that they have issued me a refund, and CashApp is saying they have not received one. It has been over the standard timeframe that CashApp says it can take for my refund to be received and they will not provide me with a refund, even though XXXX says they have returned the funds.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX XXXX  Account : XXXX has violated my rights under 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 days after the date of receipt. It has been 30 days and vou 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 reports ( 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 listed IMMEDIATELY!
Consumer complaint received 2024-04-26
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)

I have diligently followed all the necessary procedures in disputing this account. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 

XXXX XXXX XXXX. 

Understanding the leniency towards banks and credit reporting agencies in legal matters, I'm hesitant to pursue a lawsuit. Despite repeatedly submitting my claim to Experian over six months, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears Experian is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, which is a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (AL)

Being a victim of identity theft has been such a traumatic me feeling experience that left me feeling XXXX  and vulnerable. I have suffered greatly. I found out that somebody used my personal information and used it to open credit cards take out loans, and make fraudulent purchases, leaving me with significant amount of debt that Id didnt incur. Its frustrating and overwhelming to deal with the aftermath. I look forward to resolving the issue with the help of the FTC. This account for the result of a person or company using my personal information without my consent to obtain goods and services fraudulently and I have not benefited from any of it. I demand this account be removed from my credit report
Consumer complaint received 2024-04-26
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)

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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX Balance : {$550.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXXXXXX XXXX  Balance : {$480.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX  XXXX XXXX Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX  XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX  XXXX XXXX : {$1800.00}, XXXX XXXX XXXX XXXX Balance : {$520.00} , XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$620.00}, XXXX XXXX XXXX  XXXX Balance : {$1500.00}, and XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} .
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: United PanAm Financial Corp. (FL)

United auto credit was made aware of my financial hardships and still wouldn't lower payments and would not work with me to catch up my account. So I decided to petition for bankruptcy and once I did I was still harassed and threatened by the company. They also refused to take my credit card and bank account payment so I could catch the account up, and said that I could only use a debit card.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 2024-04-26
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. (NC)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am writing to formally request the correction or deletion of inaccurate information in my Experian credit report. Despite your previous claim that the information was verified, there are clear discrepancies that require your immediate attention. 

Here are the specific issues : Incorrect Charge-Off Date : My credit report lists the charge-off date for my XXXX account as XX/XX/XXXX. However, the correct date is XX/XX/XXXX. This misrepresentation significantly impacts the validity of the information in my credit report. 
Incorrect Open Date : The same account has an open date listed as XX/XX/XXXX, whereas it should be XX/XX/XXXX. The difference in these dates affects when the account should fall off my credit report, leading to confusion and potential harm to my credit score. 

According to the Fair Credit Reporting Act ( FCRA ), any information that is found to be inaccurate, incomplete, or unverifiable must be corrected or deleted promptly. I have attached a copy of my credit report from XX/XX/XXXX, which demonstrates these inconsistencies, as well as the results of a previous investigation where these errors remained unresolved. 

Given these significant inaccuracies, I request that Experian correct these dates or delete the incorrect information from my credit report. Additionally, I ask that you send me an updated copy of my credit report within 15 days to confirm that these changes have been made. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-07-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My credit report at TransUnion had a bad address and a bad telephone number for me ( both because of typos ). I successfully initiated a dispute to remove both. Within seconds of opening the dispute I received email claiming that the dispute was resolved and offering a limit for me to view the results online. I viewed the results, and they showed that the bad address was removed from my report, but they said nothing about the phone number ; it was impossible for me to tell whether this was because the displayed results were incomplete ( i.e., the phone number was removed but the results didn't show that ) or the handling of the dispute was incomplete ( i.e., they removed the address but not the phone number ). I then had to waste 20 minutes on a live chat with an agent who spoke bad English, at the end of which they claimed they couldn't find the bad phone number on my report, thus suggesting that the dispute was properly processed but the displayed results were incomplete. This a stupid, basic mistake. They should fix it. 

While writing this CFPB complaint I encountered a second issue. I logged into my TransUnion account using the link in the dispute results email to view the results again so I could provide additional details for this complaint, and their web site now refuses to show me the dispute results. It says instead, " Looks like we cant access your open dispute status right now. Please try again later. ''
Consumer complaint received 2023-08-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Between XX/XX/XXXX and XX/XX/2023 I withdrew money from my XXXX account to huntington in increments of XXXX - XXXX in order to take advantage of a promotion huntington offered. The total amount transferred was XXXX. I was on vacation XX/XX/2023 in XXXX and tried to sign in to my huntington account online and was unable to so I contacted customer service. They said they would put a ticket in to have this fixed by the next day. then the next day it still didn't work so I called and discovered they closed my account without reason. They said I had to go to the bank in person or wait and they will send a check to my address. I had to wait until my vacation in XXXX was over to go to the bank. Just this Monday when I went they told me they sent out a check so they were unable to give me my money. I called customer service and they told me they didn't send my check and my account was under investigation and I could not get my money back. I asked when the investigation will be over and they gave me no time and said they didn't know.