davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

On one unfaithful afternoon, I saw that my credit report was showing up some inaccurate accounts. This disappointed me as I have no idea why these inaccurate accounts are showing up on my report. Please look at the documents I've sent regarding this.
Consumer complaint received 2024-05-21
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 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 2021-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I have 3 on my credit report. I have to closed accounts from XXXX  XXXX XXXX XXXX which I have no knowledge about. I was involved in 17 data breaches as well as Experian finding a social security on my report that didnt belong to me.Another accout is XXXX  XXXX XXXX. Again, I have no knowledge of this account. Please provide physical evidence that shows I owe all of these debts or delete them off my credit report.
Consumer complaint received 2024-07-12
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. (NJ)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was looking over my credit report and noticed some invalid collections that should not have been on my credit file. This is really affecting my credit file tremendously and is causing distress in my everyday life.
Consumer complaint received 2024-05-21
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)

This is to express my profound frustration and disappointment regarding the unresolved issues of late open accounts and late closed accounts on my credit report. Despite my previous XXXX attempts to rectify these inaccuracies, these errors persist and continue to adversely affect my creditworthiness. This letter serves as my seventh formal request for the correction and removal of these erroneous entries. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and free from errors. The persistent presence of these late open and late closed accounts is a clear violation of the FCRA, and it continues to impact my ability to access credit, secure loans, and make important financial decisions. It is imperative that you correct these inaccuracies and update my credit report accordingly without further delay. Additionally, I expect your agency to notify all the credit reporting agencies to which you have provided this erroneous information, as required by law, to ensure these inaccuracies are not further disseminated. Please help me to correct or remove these accounts immediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the late open account must be corrected. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This late closed will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this late closed account to be removed NOW.
Consumer complaint received 2023-12-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCalla Raymer Leibert Pierce, LLC (GA)

McCalla Raymer Leibert Pierce , LLC, its Managing Partner, Attorney XXXX XXXX XXXX ( Respondents ) alleged Complainant default on his loan with XXXX on and about XX/XX/, XX/XX/XXXX  and XX/XX/XXXX  without and proof or verified the allegations by their client XXXX before acting. Even if was true that Complainant was in default as alleged, it does not give XXXX a right to willfully and intentionally break State Laws, Georgia Laws, Federal Laws, Statutory Laws, and Law that were enacted by congress.

Respondents violated Regulation F, Violation of U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection Bureau, the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ], Georgia Fair Business Practices Act ( FBPA ) and Georgia Collection Laws. 
XXXX XXXX, Defendants communication violated the Federal Debt Collection Practices Act, 15 U.S.C. 1692e. Respondents admitted to violating State Laws, Georgia Laws, Federal Laws, Statutory Laws, and Law that were enacted by congress in Georgia and admitted Respondents are exempt from prosecution, " Immunity ''. Congress did not say laywer who represent consumers are exempt from prosecution, " Immunity '' The XXXX is a consumer protection stature which created the Consumer Financial Protection Bureau. The Bureau enforce its XXXX authority over debt-collection attorneys engaged in litigation activity is fully consistent with this purpose. Respondents have litigated a case in the XXXX XXXX and XXXX is ongoing in the XXXX XXXX XXXX XXXX XXXX. 
Respondents have admitted to litigation and the XXXX can enforce its authority over the debt-collection attorneys engaged in litigation activity is fully consistent with this purpose. Because the statute is clear and Respondents have admitted to litigation, the XXXX can enforce its authority.
Consumer complaint received 2024-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute several unauthorized inquiries that appear on my credit report. These charges are fraudulent and were not made by me. 

The specific details of the disputed charges are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have not authorized these charges, nor have I received any goods or services related to them. These entries are impacting my credit score and were likely caused by identity theft or error. 

Attached, you will find copies of my FTC report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/2024 sent me a letter stating that they had " determined that some of my personal information had been compromised. '' They went on to state that they are offering me one year of complimentary credit monitoring to be provided by Experian XXXX. They advised me to enroll, and gave me the activation code XXXX. But Experian refused the application with the comment " INVALID ACTIVATION CODE ''. XXXX TIMES. 

IN ORDER TO ATTEMPT TO ENROLL, I HAD TO SUBMIT MY DATA AND SOCIAL SECURUTY NUMBER. NOW I GET NUMEROUS SOLICITATIONS FROM EXPERIAN OFFERING TO SELL ME PAID PROGRAMS TO PROTECT MY SECURITY. THEY EVEN STATE THAT THE FREEZE I PLACED ON MY ACCOUNT IS INFERIOR TO ONE THEY OFFER FOR A FEE. BUT AFTER NUMEROUS ATTEMPTS, I HAVE STILL NOT BEEN ABLE TO ACTIVATE THE IDENTITY WORKS PROGRAM OFFERED BY XXXX XXXX XXXX. 

I HAVE ALSO BEEN ADVISED BY XXXXXXXX XXXX THAT MY DATA HAS BEEN LISTED ON THE " DARK WEB ''. 

I DON'T KNOW WHY XXXX XXXX XXXX  EVEN HAD MY INFORMATION BECAUSE IT HAD BEEN OVER A YEAR SINCE I HAD A PHONE LINE WITH THEM. 

NOW EXPERIAN IS SCAMMING ME DIRECTLY WITH MESSAGES AND E-MAILS OFFERING PROGRAMS FOR A FEE THAT ARE, BY LAW, FREE.
Consumer complaint received 2024-05-21
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. (KS)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX To : Experian Consumer Reporting Experian XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Credit Score Dispute Dear Experian Consumer Reporting, I am writing to formally dispute inaccuracies in my credit report and address the significant decline in my credit score. On XX/XX/XXXX, my credit score dropped from XXXX to XXXX. On the same day, I initiated several disputes and provided my FTC/IdentityTheft complaint. However, instead of my score returning to its original state, it further decreased to XXXX as of XX/XX/XXXX. 

I have diligently monitored my credit for over 30 years and have enlisted the help of expert credit attorneys and former credit bureau employees to navigate the complexities of credit reporting. As you are aware, credit scores are based on a variety of financial factors and are designed to reflect a consumer 's creditworthiness. A higher credit score signifies lower risk to lenders and better loan terms.

This situation constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I believe I am being discriminated against by Experian due to my status as a middle-aged white woman, and I request that the necessary corrections be made immediately. Several unauthorized inquiries were deleted, yet the same creditors who initiated those inquiries remain on my profile and should also have been removed.

Experian is liable for actual or statutory damages and punitive damages for ignoring the CFPB, FTC, and my complaint letters concerning the accounts being reported and my credit score. Experian has a history of such practices, as evidenced by prior lawsuits such as the {$22.00} XXXX settlement over similar issues. 

These actions by Experian constitute " False Credit Reporting, '' providing unduly low credit scores to my potential lenders. Notably, my credit scores with other bureaus are significantly higher. Relevant case law includes : - XXXX XXXX Experian - XXXX XXXX Experian Information Solutions , Inc., No. XXXX ( XXXX Cir. XXXX ) : The FCRAs statement-of-dispute provision does not require consumers to use specific language or forms to request the addition of a dispute statement. The burden rests with the CRA. 
- XXXX v. Experian : XXXX 's case highlighted Experian 's inaccurate reporting affecting her debt-to-income ratio and credit score, similar to my experience.Experian acknowledges that emotional distress damages are recoverable under the FCRA.

I am experiencing the same issues and demand corrections to avoid further legal action and associated fees. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX -- - Note : - Experian was found to be in violation of the FCRA- I was unable to upload documents on Experian/XXXX. XXXX or in the Experian App. Do to the sight and app not functioning properly!
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-21
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 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 2024-05-21
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (KY)

I have been trying to get a refinance on this loan and use my credit that is now better than when I signed the loan agreement. The loan has a reported payment history of XXXX  months at a rate of $ XXXX which should total to around {$12000.00}. The amount that is reportedly paid is {$3000.00}. This is not allowing me to get a refinance because the underwriters will not approve based on the amount reportedly paid. The interest of the loan is at 25.18 % and I'm currently getting offers at below 10 %. I have been getting good offers but have been denied based on this situation. I have sent XXXX or XXXX disputes so far only using XXXX XXXX and so far I have seen no result.
Consumer complaint received 2024-05-21
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. (GA)

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 XXXX XXXX  Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 2024-05-21
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. (KS)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX To : Experian Consumer Reporting Experian XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Credit Score Dispute Dear Experian Consumer Reporting, I am writing to formally dispute inaccuracies in my credit report and address the significant decline in my credit score. On XX/XX/XXXX, my credit score dropped from XXXX to XXXX. On the same day, I initiated several disputes and provided my FTC/IdentityTheft complaint. However, instead of my score returning to its original state, it further decreased to XXXX as of XX/XX/XXXX. 

I have diligently monitored my credit for over 30 years and have enlisted the help of expert credit attorneys and former credit bureau employees to navigate the complexities of credit reporting. As you are aware, credit scores are based on a variety of financial factors and are designed to reflect a consumer 's creditworthiness. A higher

credit score signifies lower risk to lenders and better loan terms. This situation constitutes a v
iolation of the Fair Credit Reporting Act ( FCRA ). I believe I am being discriminated against by Experian due to my status as a middle-aged white woman, and I request that the necessary corrections be made immediately. Several unauthorized inquiries were deleted, yet the same creditors who initiated those inquiries remain on my profile and should also have been removed.

Experian is liable for actual or statutory damag

es and punitive damages for ignoring the CFPB, FTC, and my complaint letters concerning the accounts being reported and my credit score. Experian has a history of such practices, as evidenced by prior lawsuits such as the {$22.00} million settlement over similar issues. These actions by Experian constitute " Fals
e Credit Reporting, '' providing unduly low credit scores to my potential lenders. Notably, my credit scores with other bureaus are significantly higher. Relevant case law includes : - Steelman v. Experian - Chaitoff v. Experian Information Solutions , Inc., No. 21-2632 ( 7th Cir. 2023 ) : The FCRAs statement-of-dispute provision does not require consumers to use specific language or forms to request the addition of a dispute statement. The burden rests with the CRA.

- Bailey v. Experian : Bailey 's case highlighted Experian 's inaccurate reporting affecting her debt-to-income ratio and credit score, similar to my experience.Experian acknowledges that emotional distress damages are recoverable under the FCRA. 

I am experiencing the same issues and demand corrections to avoid further legal action and associated fees. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX -- - Note : - Experian was found to be in violation of the FCRA- I was unable to upload documents on Experian/XXXX. XXXX or in the Experian App. Do to the sight and app not functioning properly!
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My property got reassessed this year by XXXX XXXX. I got a lawyer. I was prepaying citizens all year in advance to cover the extra taxes I knew that were coming. 

In XX/XX/2023 when we got our final ruling I called citizens to inform them. They also sent me an escrow surplus check for XXXX $ ( of what I prepaid ). 

I let them know my taxes got raised. They said no problem we handle this all the time. They told me to send back the escrow surplus check and they would reach out to get the owed taxes, and pay it. Then I asked them to recalculate my mortgage payment so I knew what it was going to be with the increase. My payment went up XXXX $ at this time. 

Long story short, in XXXX, I got served a certified letter for delinquent taxes. I had to call citizens, the law firm, and the county 4 times to get this situation handled. The due date was XX/XX/XXXX, and I finally got them to pay it XX/XX/XXXX, 6 days late. 

I was charged almost XXXX $ in late fees by XXXXhe county. I asked citizens to refund them since they said they were handling it for me and failed me. Those fees took 50 % of the taxes I prepaid in advance. I can not ever talk to someone who can help me at citizens. They always say they will call me back and never do. 

Finally my new mortgage payment went up almost XXXX XXXX From XXXX a month to XXXX a month. Something doesnt seem right. I am not sure they even used my escrow surplus for the taxes due. 

Can the CFPB please help me and my family? I am struggling to get this information, the issue resolved and it seems that citizens does not care about me. I did all the right things. I prepaid. I notified. I trusted my institution to handle this for me. Since then, the stress of being tax delinquent and now this monthly payment is causing harm and duress to my family.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MD)

On XX/XX/2023, I had a {$0.00} ( XXXX balance on my US Bank card. On XX/XX/XXXX, fraudulent charges totaling {$1800.00} were made to my card. I alerted US Bank, and they shut down my card, conducted an investigation, confirmed the charges were indeed fraudulent, and credited my account in XX/XX/2023. ( See attachment # 1 ). Then at the end of XXXX and every month since I've been getting statements with different random balances for another charge that I did not authorize and/or late fee charges. I've reached out to US Bank 's fraud department on multiple occasions and I've spoken to numerous people, including a supervisor named XXXX, and was told different things ; ( i ) we're looking into it ; ( ii ) our system is down ; ( iii ) it's very difficult to remove interest and late fee charges incurred due to fraud. Meantime, they keep sending me statements with additional charges and they keep threatening to report me to the credit bureaus.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Good afternoon. 

I have try to remove a credit freeze that I have placed on my account but expirian is refusing to remove the freeze by phone like the other credit bureaus. They are offering me a credit service that cost {$460.00} for them to remove my freeze. This is un-American from these company. Please help.
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc. (IL)

Misleading advertising a {$30000.00} trade line with the monthly fee of XXXX no way to cancel membership no contact the company to cancel services and has been taken XXXX out of my account since XX/XX/2023.