davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-23
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. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-23
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. (CA)

XXXX XXXX XXXX Bank Account Number - XXXX I received a copy of my credit report. To my surprice, you are reporting this account incorrectly. This collection account is reporting not only as a CHARGE OFF ACCOUNT, but also shows a past due balance of {$590.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

These inquiries and accounts are incorrect, since I do not recognize them, please investigate them and delete them Inquiries -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX  Account Number:XXXX Date XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX - Account XXXX Date XXXX Balance : {$1100.00} Account Name : XXXX XXXX - Account XXXX Date XXXX Balance : {$94.00} Account Name : XXXX XXXX - Account XXXX Date XXXX Balance : {$100.00}
Consumer complaint received 2024-05-23
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. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sunset Management, Inc (GA)

IM FILING COMPLAINT AGAINST SUNSET FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. THEIR NUMBER IS XXXX. CORPORATE OFFICE IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FOR THREATS AND HARRASSMENT, AND HARRASSING MY SON. THEY CALLED MY SON AND TOLD HIM THEY TURNED ME IN TO COURT ON FRIDAY XX/XX/year> IN WHICH THEY HAD NO BUSINESS MENTIONING ANYTHING ABOUT ME AND MAKING FALSE STATEMENTS CONCERNING ME OR MY ACCOUNT. AND THEN I TALKED TO THEM LATER FRIDAY AND TOLD THEM I WOULD COME IN SATURDAY WHEN I GOT MY CHECK, SATURDAY XXXX THEY CALLED AGAIN TELLING ME THEY CLOSING IN A FEW MINUTE I NEED TO PAY THEM BEFORE THEY CLOSED AT WHICH TIME I TOLD THE LADY I HAD AN EMERGENCY GOING ON WITH MY XXXX XXXX XXXX MOM, I HAD THE AMBULANCE COMING TO CHECK ON HER AND THAT MY CHECK HADNT POSTED YET. AND THIS WOMAN DIDNT CARE ABOUT MY MOM SITUATION, IM ALREADY DISTRESSED WORRYING ABOUT MY MOM TO BE THREATENED AND DEAL WITH HER ATTITUDE. SHE TOLD ME SHE WAS SENDING SHERIFF OUT FOR ME AND THATS IS AGAINST THE LAW TO THREATEN SOMEONE WITH LOCKUP FOR A BILL. I HAVE WITNESSES THAT HEARD WHEN SHE SAID THEY WOULD SEND SHERIFF AT ME. AND I DONT APPRECIATE HER ATTITUDE, HER THREATS AND HARRASSMENT. THERE IS A WAY TO TALK TO PEOPLE WITHOUT THREATS AND THE AUDACITY TO SHOW NO COMPASSION TOWARD MY MOMS HEALTH PROBLEM THAT IS SERIOUS I DO NOT APPRECIATE AT ALL. I KNOW MY RIGHTS AND THEY HAVE BEEN VILOATED. I DON'T THREATEN OR HARRASS THEM AND THEY ARE NOT GOING TO DO IT TO ME
Consumer complaint received 2024-05-23
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. (FL)

Accounts listed below doesnt belong to me I never authorized nor open the accounts : XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date opened XX/XX/XXXX 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 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

I was put in a forbearance plan from Covid/19 by ShellPoint and was promised for the loan to continue by them because I am XXXX impaired, and could not answer the phone. I was informed that I would not have to call back till the 18 month would expire and at that point I would do a loan modification. At the 3 month period, after having no knowledge of ShellPoint, they moved me into forclosure without any communication, no letters, no certified letters, but only called me going against the ADA act knowing I am deaf/hearing impared. They are violating the Fair Credit Reporting Rights because I am hearing impaired, my ADA rights have been violated as well because of the inaccurate reporting of Shellpoint on my report. I have not been able to get a loan because they have reported me late on my last XXXX payments. I have spent hours trying to fix this with Shellpoint. My Aunt, who has spoken with ShellPoint multiple times has recorded messages of them admitting their fault and telling that they will fix my credit that they ruined and after speaking to the last ShellPoint manager, they declined fixing the issues they did against my credit so i can move forward to get a loan. ShellPoint sent me proof that I made my payments, but declined to admit that i was in a loan modification and forbearance after all the proof I have. I have recently sold my home, because of the fear of them putting it in foreclosure again. Now because of ShellPoints error, I can not get a loan to get another home due to ShellPoints errors. I DO NOT HAVE A HOME, AND I TAKE CARE OF MY XXXX XXXX XXXX GRANDMOTHER. If you need any proof of letters, bank statements and recorded phone calls proving they apologized for their errors and would fix it and make it right on my credit and proof that I was in a loan modification and forbearance plan feel free to contact me. PLEASE HELP ME! I DON'T WANT TO BE HOMELESS, LIVING ON THE STREETS WITH MY GRANDMOTHER.
Consumer complaint received 2024-05-23
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. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-23
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. (TN)

According to my credit report, I noticed my privacy rights were violated. 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 an 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. The accounts that are in violation of my rights are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In month of XX/XX/2022, I called USAA to get a renter policy. The Agent, I spoke to collected all our information my wife and I. She gave me a policy number, my monthly payment amount, and asked me to cancel my current policy after midnight. 24 hours later, I tried to get access to my online account to know more about my policy details and set up my payment method, but I was not able to have access. So I called USAA agent to assist me. The first agent was not able to help me and told me that there is a note saying that USAA dont want to do business with me. And I asked her why, she said, she dont know. She transferred me to another agent. The second agent did her best and almost gave me access to my account but she said she had to transfer me to the technical support agent. The technical support agent said I am not supposed to have access to my online account because USAA dont want to do a business with me. While I was talking to her, I got access to my account. Soon I let her know, she know, she quickly quick me out the system. But, she was not able to tell me why USAA dont want to do business with me. She said USAA will send me a letter to let me know why. Couple of days later, I received a letter from USAA, but there was no specific raison why my policy has been terminated. They are talking about material misrepresentation. I sent them twice a letter as they asked to do asking them the real reason of my policy termination but they never responded. They treated me like a criminal. So after sending my second letter on XX/XX/2022 without any feedback I filed complaint against them with California Department of insurance. After that complaint, they called me trying to explain themselves without telling exactly why my policy has been terminated. You will see attached a copy of the letters I sent them, some letters they sent me, and their last letter dated XX/XX/2022. I feel like they dont have any reason. They just decided base on my accent, and my last name that I can not belong to XXXX XXXX, thats why they are saying that they were not able to verify who I said I was. I can be wrong, but thats what I think til they provide me the reason that make sense. I called them couple of times but they never try to double check my identity. How someone who try to steal someone identity, will keep calling you to know why his policy has been terminated. Even send you a letters.
Consumer complaint received 2021-02-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I am making my payments on my valid accounts on time some how all my good standing accounts are showing payments not made but my creditors did not report missing payments. So everything that Im doing good the credit bureaus are reporting bad. On at least approx 7 good accounts. And their in dispute without me disputing and not showing what the dispute is. So my scores in one day went from XXXX to XXXX. This isnt right Im trying to build my credit from identity thief. Im trying hard from being stolen from and now the credit bureaus are cheating me. I am at the last part of getting a refi and this happen I just want to have good roof and my home to have some updates.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, there is no law prohibiting consumers from utilizing third-party services, thus rendering your excuse irrelevant. In fact, the United States Congress recognizes the complexity of the entire process and grants consumers the right to employ a third party on their behalf, if they so choose. Consequently, your statement is disgraceful. 

I reserve the right to take legal action against a credit bureau for violations of the Fair Credit Reporting Act, and I am confident that I can demonstrate your failure to take reasonable measures to ensure the accuracy of my credit reports, as well as your current attempts to further delay the process. 

I acknowledge that disputes can be costly and it is your responsibility to prolong them, but please be aware that doing so carries significant risk. This letter, dated ( insert today 's date ), formally notifies you of my request to proceed with my original investigation and demands that you provide me with the results within 15 days. Therefore, I reject your " form letter '' in a legal and lawful manner, granting you only 15 days instead of an additional 30. 

I am deeply frustrated and outraged by your accusation, and I have thoroughly researched my rights concerning my credit file. I urge you to expedite my original request promptly
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (WY)

On XX/XX/XXXX, I messaged XXXX XXXX  XXXX XXXX XXXX XXXX regarding my XXXXXXXX XXXX  Credit Card being charged a minimum interest balance of {$2.00} on a XXXX balance, which proceeded to accrue late fees and other minimum interest charges to a total of {$30.00} as of XX/XX/XXXX. I had fully paid my credit card with them down to a XXXX balance as of XX/XX/XXXX, but had been charged a minimum interest charge of {$2.00} as of XX/XX/XXXX, XXXX stated it was because my account was not paid in pull by the billing due date, which it was. The billing due date, in this case, was XX/XX/XXXX, and my card was paid in full as of XX/XX/XXXX. This caused a string of late fees as well as additional minimum interest charges to accrue on this card from XX/XX/XXXX, to XX/XX/XXXX, which I believe is incorrect on the company 's side. I ended up discussing further with the XXXX XXXX XXXX and was refunded the majority of the late fees and finance charges, however they still negatively reported against my credit score and labeled me as 30 days past due. The entire reason that I was considered as " past due '' was due to their charging of a minimum interest balance on a XXXX balance, which is illegal. I ended up paying an additional {$5.00} to this company as of XX/XX/XXXX, for the charges they did not refund, which is the same date that the reported me as " past due '' to my credit reporting agency. I strongly believe that this entire situation is not correct and should not be reported against me to my credit reporting agency. 

I called this company on XX/XX/XXXX, to inquire on how to dispute this situation, and was met with a runaround on who to contact and how to contact them. Seeing as this got me no resolution, I turned to writing a letter with my statements enclosed for their viewing. I sent this letter to multiple different departments of this bank on XX/XX/XXXX, and still have not heard from them and my credit score is still negatively impacted. I feel that this is a gross injustice as it is likely affecting not only myself, but thousands of others that have cards with this company.
Consumer complaint received 2024-05-24
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. (FL)

I am writing to express my deep dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my case. 

I have submitted all required documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions involved. Despite the severity of the situation and its significant impact on my life, your bureau 's response has been alarmingly inadequate. Communication regarding the status of my disputes has been sparse, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling neglected and unsupported by the institution I trusted to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I request that you implement measures to prevent such incidents from recurring, as it is evident that my personal information was mishandled and exploited. 

XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX