davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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. (NJ)

I am writing to file a complaint regarding Experian 's handling of incorrect information on my credit report. On XX/XX/XXXX, I initially contacted Experian to address the following inaccuracies on my credit report. Despite my initial contact, Experian has not responded to date. Below, you will find the details of the inaccurate information and the necessary corrections : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$7000.00} The account listed above was never late. Please correct/update this inaccurate information on my credit report. 


Account Information : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$89000.00} The account listed above was never late. Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2024-05-17
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. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$5200.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-17
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. (RI)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-29
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. Please update the accounts to reflect correct status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have fraud on my account somebody tried to open an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me to file report with you and I can only dispute it by mail by sending printout from your website after filing with you. Experian does not allow me to file online and they are only open till XXXX.
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (PA)

I found unauthorized inquiries on my credit report this morning, and I don't know why they're there. While checking my credit report as usual, I discovered discrepancies that appeared out of nowhere. I refreshed my browser to see if it was just a glitch, but the unauthorized inquiries were still there. Because of this, I am asking for a thorough review of the documents I sent to ensure this issue is resolved permanently.
Consumer complaint received 2024-05-17
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)

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. 

XXXX XXXX XXXX  date XXXX, XXXX account number XXXX has violated my rights this account was not authorized by me I never got a auto loan with this company. 

XXXX  XXXX account number XXXX XXXX late payments reported on my credit report XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANNER CORPORATION (WA)

I had a banner Bank account that went delinquent and was closed at {$240.00}. I did not realize that the account had allowed final deductions than then resulted in overdraft fees. XXXX obtained the account and they garnished my wages for a total of {$580.00} and are still wanting another {$290.00}. I know that collection agencies often purchase debt for ALOT less than owed. So my problem is since they have made double what my original owed amount was I believe this to be a fraudulent and heinous act. In hopes of taking advantage of someone and taking their money for an accidental mistake that is now Infringing upon their credit score and life. They will not communicate with me nor have they sent any mail correspondence either. I have attached the copy of my pay stub and to what they had deducted from there. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-17
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)

This account has repeatedly been update as charged off every month. as a verify as accurante. 
this company violated my right because this account have to be removed from my credit report immediately I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report. 

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. 

ACCOUNT : XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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. (MO)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/22. I'm now requesting you investigate the XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2020-12-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CO)

I have applied for a CARes act forbearance. I just read the terms of the agreement. The option to add the missed payments to the end of the term is not an option. They are saying that they are going to demand all missed payments on the following month ( a balloon payment after being on a financial hardship withdrawal ). My mortgage company is US Bank. Please assist ... 

They are also refusing to add any payments made to the interest during the forbearance period and only promise to apply them at the end of the term. I dont think a large bank like US Bank should be taking advantage of struggling Americans. 

And they are saying that they will begin the foreclosure process at the end of the forbearance terms are not met at the end of the term of the delayed payment.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (PA)

Dispute of inaccurate reporting To Whom It May Concern, Account Name : XXXX XXXX XXXX Account Number : XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$7100.00} 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 Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

PLEASE BLOCKED AND REMOVED I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2024-05-17
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. (CA)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian
Consumer complaint received 2024-05-17
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-05-17
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. (OH)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-06-23
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. (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 XXXX XXXX XXXX. 

Account name : # DEPT OF ED/XXXX  Account number XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name XXXX  XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-29
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company (LA)

On XX/XX/2024 my Realtors began the Short Sale process by submitting the 3rd Party Authorization Form to Freedom Mortgage. They submitted the forms and application for the account to get reviewed for loss mitigation options. The property was listed on the market for sale and we received a great offer from a buyer while considering the property 's current condition. My Realtors submitted the buyer 's offer, pre approval letter, and all listing paperwork. Freedom Mortgage did tell us that the last day to submit all paperwork for a short sale is XX/XX/XXXX. My Realtors did submit the documents on time, by XX/XX/XXXX. At this point, Freedom Mortgage is telling my Realtors that we do not have time for the account to be reviewed, after saying that we do have time.
Consumer complaint received 2024-07-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

Due to an issue with the complex 's garage door ( XXXX at XXXX XXXX XXXX, we contacted the leasing office several times to request repairs, but no action was taken. Later, the property manager offered us the option to move out of the complex with a waiver of any lease-breaking penalties. My wife and I accepted the offer and moved out on XX/XX/XXXX. 

One month later, XXXX ( the owner ) sent us move-out charges, including an amount for a period we did not spend in the apartment ( from XX/XX/XXXX to XX/XX/XXXX ). We tried to contact the XXXX office to discuss this issue, but no one answered our calls or returned our voicemails. 

Last week, a debt collection agent ( Genesis ) reached out to me regarding this debt. I informed him that I was disputing the charges for the period we did not occupy the apartment. Despite providing him with my correspondence with the leasing office, he dismissed my concerns and threatened to take actions that could negatively impact my credit history. 

Attached are : XXXX XXXX XXXX XXXX Copy of emails with the leasing office XXXX Copy the email to the Collector
Consumer complaint received 2024-05-19
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)

Experian has been an issue for me for years. Recently a fraudulent account showed up on my report from a credit recovery company that I have no knowledge of and owe no money to. I never signed a contract with this company and was in the process of buying a home. Now the loan fell through because Experian dropped my score XXXX points due to this fraudulent transaction. I had identity theft a while back. placed several police reports about it, froze my credit and now this. This account is not mine. 

Experian also has a name on my report that is not legally mine that they have not taken off my report. I get confused for this person all the time. 
The FTC also has a case of identity theft with them as well. XXXX Is the complaint number. 
I included one of the many police reports filed.