davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (AL)

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, ( Bureau ), any WRITTEN CONCENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONCENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 



Account Name : Account Number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Way XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Lucky Town XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (IL)

Experian shows incorrect reporting of a XXXX XXXX XXXXXXXX account on their reports which is frequently overlimit and delinquent. I don't own that account. I have raised dispute many times and every time they say their evaluation find that account belongs to me. I tried to reach XXXX  too many times and they say they don't see that account on my SSN. Please refer Experian report XXXX for XXXX account with $ XXXX.they are not sharing full account number to check with XXXX and with full account number XXXX  is not able to help or locate the account. It's been going on since 2020 and I am following up and raising the concern but it's not addressed. It has caused lot of negative impact on my score and the impact is still on.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request an investigation into inaccurate and potentially unverifiable items listed on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As stipulated by federal law, I request a thorough investigation and removal of these items if they can not be verified as accurate.

Please find attached documents that support my claim. These include [ list any relevant documents such as payment records, court documents, etc. ]. 
Under the FCRA, you are required to complete the investigation within 30 days of receiving this notice and to remove any information that is found to be inaccurate or can not be verified. Please ensure all information related to these items is thoroughly investigated and corrected or removed accordingly. 
Please send me a written confirmation of the receipt of this letter, along with the outcomes of your investigation. I expect that all incorrect information will be removed, and a revised credit report will be sent to me at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response. Please feel free to contact me at my phone number or email address listed above if you need further information. 
Sincerely,
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

To whom this may concern, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate names : List of misspelled or inaccurate names : 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 Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
CREDIT REPORTING AGENCY NAME has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, or written instructions to do so. These actions have caused my family and me a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance with these particular items that you are reporting under FACTA Title 1 sec. 151. 
I have enclosed copies of my state-issued identification and social security number to validate my identity.
Consumer complaint received 2024-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is a follow-up to my previous complaint which you closed prematurely. Complaint No. XXXX. You said I had 60 days to respond, and you did not give me 60 days, therefore I have opened this new complaint to get help from you in addressing my mortgage servicers continued abuse, harassment and discrimination. 

What has happened is that SPS is trying to get too much money from me for an escrow impound account in violation of the modification contract that was provided under the XXXX mortgage relief law. Because SPS is now stuck with a low interest rate on the mortgage PER THE CONTRACT, they are using a demand for an escrow impound account as an excuse to force me to pay {$400.00} more per month than I am supposed to pay per the contract claiming - falsely - that it is for 3 months of insurance and taxes. WHICH IS NOT PART OF THE CONTRACT. They violated and are continuing to violate the contract. 

The contract does not require me to keep an escrow account with them at all. Therefore, I have paid my property taxes already, I am now paying my home owners ' insurance directly- not through SPS. There is absolutely no reason for SPS to require me to deposit money in an escrow account with them. 

I have continued to pay the mortgage ( principal and interest only ) per the contract BUT NOT the amount ( XXXX months of property tax and insurance ) they are calling an escrow impound account because they are not entitled to that. They are a servicing company - not a bank. They are not required to follow any banking rules because they are not a bank. Unless you do something about this, they will use this false claim of a need for an escrow impound account to attempt to foreclose on my home- which I haev owned since 1994. 

Attached are the documents to support this complaint and complaint XXXX.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (NV)

As previously written. I requested my old addresses to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE IMMEDIATELY
Consumer complaint received 2023-04-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent in dispute letters to all 3 credit bureaus regarding inaccurate items, I had found. This was done on XX/XX/2023. To date I have not received any notifications that they have begun investigating my disputes. This is a clear violation of the FCRA, and completely unfair to me as a consumer. By law I have the right to a fair and accurate credit report. 

I have attached the 3rd letter sent to the credit bureaus to this claim.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I received a call from Wells Fargo on XX/XX/XXXX on my cell phone at XXXX am. I was on the phone for XXXX minutes. It was displayed as Wells Fargo and I recognized their customer support number. The number is XXXX. The person on the phone said there was fraud happening on my account. They said a teller working at the local bank and was trying to withdraw money from my account. The scammer said we needed to move that money and transfer it to an account which the bank had set up to catch him. They sent a code to work with me to catch the thief. I was on my cell phone. I realized that is was starting to sound not legit. I really thought they were trying to stop someone from getting my money. He got into my phone, accessed my account and did a wire transfer. In total I lost {$22000.00}. The wire transfer went to XXXX XXXX XXXX {$14000.00} was a cash advance from my credit card to my checking account. The {$8000.00} was from my checking account. I went into the bank within the hour and they told me if was fraud. I have called Wells Fargo over a dozen times in XXXX months. Sometimes they would say just wait and we are deciding. We received {$1000.00} from Wells Fargo who received only that amount from XXXX XXXX XXXX, which is all they said they would give back. Wells Fargo said they side with us that is fraud but we let it happen and we are not getting any money back. 

I have banked with them since XXXX and trusted it was them on the phone. If they are insured for fraud we want our money back. I see class lawsuits against Wells Fargo for this happening to many people, taking their life savings. What can be done.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

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 2024-07-24
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. (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 XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX 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 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

Good Morning, I am writing because I had a car financed through Santander Consumer USA in XXXX. This car was placed as a charge off, several years ago. I have disputed this numerous times, because the car was sold at an auction. When I contacted Santander in XXXX, they let me know that the car would be falling off of my credit in XX/XX/XXXX. I asked them to clarify the balance, since the car was sold at an auction. They stated that the car was located at the police station, when I told them to come get the vehicle back in XXXX. They stated that the car was found at the police station, and they had no interest in the vehicle so they just left it there for the police to auction off and sale. Which is fine, but why am I still being charged the full balance and why is it still on my credit report? Can you please get them to take it off, because it has surpassed the time frame? It say they havent even reported since XX/XX/XXXX.
Consumer complaint received 2024-08-06
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. (GA)

I have unauthorized credit inquiries and have not authorized and I do not recognize the charges. 
I want them deleted and I want to add a credit freeze to my account to protect me moving forward. I have attached the notice with directions and a list of the name of the inquieries that are fraud.
Consumer complaint received 2019-05-06
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. (NY)

XXXX XXXX was reported on XX/XX/XXXX via TransUnion. However, fraudulent application have been submitted my identity without my consent to fraudulently obtain services. Do not extend credit without verifying the identity of the applicant. 


Also, XXXX XXXX was reported on XX/XX/XXXX via XXXX. I was being told its bern removed, but its not. Ive sent out a letter to XXXX since XX/XX/XXXX, but nothing has changed ever since.
Consumer complaint received 2024-05-08
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. (IN)

I bring to your attention some discrepancies that have come to my notice regarding the negative items present on my credit report. Upon reviewing my credit report, I have observed several negative items that do not seem to correspond with my financial records. 

I would like to emphasize that I do not have any outstanding debts with any creditors, nor do I owe any amounts that would warrant the presence of such detrimental records on my credit report. In an effort to rectify this matter, I have attached a copy of a certificate which serves as proof of my financial standing and the absence of any outstanding obligations. 

I kindly request your assistance in investigating the origins of these negative items on my credit report and in taking the necessary steps to rectify this situation. Maintaining an accurate and up-to-date credit report is crucial for my financial well-being, and I trust that your expertise will help in resolving this matter promptly and effectively. 

I appreciate your attention to this issue, and I look forward to your prompt response regarding the steps to be taken in addressing these discrepancies. 

Thank you for your time and consideration. I trust that this matter will be resolved satisfactorily with your help.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX  
TO WHOM IT MAY CONCERN
I recently received a copy of my Experian credit report, 
and I noticed a late payment  posted on my credit report for the company below:
XXXX XXXX
ACCOUNT NUMBER XXXX
LATE PAYMENT DATE XXXX 
Your company is in clear violation of the law. Under 15 USC 1681b- Permissible 
purpose of consumer reports. The LAW CLEARLY STATES:
(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 instructions of the consumer to whom it 
relates.
I did not give any written or verbal consent to furnish this information on my report.
Furthermore, the fair credit reporting act 15 USC 1681 (2) (a) (i) exclusion from a 
consumer credit report clearly states
(A) EXCLUSIONS- Except as provided in a paragraph (3), the term consumer 
report does not include - 
(A) Subject to section 1681s-3 of this title, any - 
(I) Report containing information solely as to transactions or experiences 
between the consumer and the person making the report:
Reverse the above late payments from my consumer report, this agency is in 
violation of 15 USC section 1681
Failure to respond satisfactory with reversing of the above referenced account, 
and send out a free copy of my report after the changes have been made will 
result in legal actions being taken against your company, for which I will also be 
seeking $1,000 per violation for:
1. Defamation of character (per se)
2. Negligent Enablement of Identity Fraud
3. Fair Debt Collections Practices Act 15 USC S 1692g violations
4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliances616 Civil liability for willful noncompliance [15 USC S1681n]
Best Regards,

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (TN)

i reported XXXX  re-aging my account to experian and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' experian said they did an investigation and the re-aging dates were still on my account. 
as per the attachment experian never did an investigation or made sure the debt was valid on their site. 

experian let XXXX re-age my account for their persoanl gain. 

experian complied with XXXX and since experian gets paid by XXXX to report both parties willfully conspired to deceive me and harm my credit for their profit and gain.