davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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. (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 has violated my rights. Or a 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 2017-06-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (PR)

Today,  XXXX   XXXX ,   XXXX  I recei ved a letter fro m Transworld Systems.  At  XXXX , the same day I called them because I had no idea what they were charging me for. Supposedly I gave a check for the amount of {$320.00}  ( three hundred so mething, not quite sure of the amount ) and that check was used to pay an account on  XXXX . The check bounced. The problem is I do n't have an account on  XXXX , I 've never had. The collector, named  XXXX  said this was in  XXXX , six years ago and now they 're trying to collect {$720.00} for something that I did n't even buy. I asked if the check could be sent to me so I could see that is mine and that if it was I would pay the amount that it said on the check. The person said that was n't an option, that this was the government, the have my social security number, they have everything and they could do whatever they wanted. I told him " then tell them to kill me because I do n't have that amount of money and for an account that I do n't even have ''. They offered me to make payments. Again, I said no, it 's not fair to pay for something I do n't even know. I offered to pay in full the three hundredd something dollars, the person said no and even if I paid the {$720.00} he would not close my case and that the governement could do whatever they wanted.
Consumer complaint received 2024-05-03
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. (LA)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2018, I contacted Experian about the errors that they are reporting on my credit file. In a detailed letter. I received a letter back that that they did not remove these errors from my credit history. Told them that they have eroded addresses, error employers, and eroded telephone numbers
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I spoke directly to XXXX to cancell my reservation they told me they would have to reach out to the XXXX on XX/XX/XXXX to get a refund on the hotel, i did not hear back from them withing 3 days as they told me I reach out my self directly to the hotel and they inform me on XX/XX/XXXX that this could be done but it needed to be put trough directly trough XXXX i call XXXX again and have them the information of the person i contacted directly and told me they would take care of it an cancel it the date of the reservation came and it never got refunded on XX/XX/XXXX they send me an email confirming that they will get back to me and they to this day have not
Consumer complaint received 2024-05-03
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)

I am submitting this complaint to address the late payments recorded on my credit report. Despite my efforts to rectify this issue, including sending letters over 30 days ago, I have not received a response nor satisfactory validation. I request your prompt assistance in resolving this matter.
Consumer complaint received 2018-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

XX/XX/2018 XXXX XXXX XXXX  inserted a medical account representing XXXX XXXX XXXX onto my credit file. This alleged account in the amount of XXXX is a result of identity theft and does not belong to me. Not only did XXXX XXXX insert this account they did not give me my right to dispute the validity of this account nor did they give me notice that they were inserting this account into my credit file. this account is damaging my credit file and it is not my account. Also this states it is medical I have did not business with XXXX XXXX emergency nor have I did business with XXXX XXXX, therefore, I have no obligations to pay either. Also being that this look as though it is a medical account I have never given either company rights to share any medical information, therefore, they would also be in violation of HIPPA. This account is indeed a result of identity theft and does not belong to me.
Consumer complaint received 2024-05-03
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. (OH)

After XXXX XXXX closed my XXXX perfect payment, credit account even after cashing my on time payments and marking my account as charged off, which caused XXXX XXXX initial XXXX point decrease, XXXX XXXX had my XXXX perfect payment history erased from my credit in XX/XX/2023 to cover up their negligence and fraud which resulted in an over XXXX decrease causing severe financial harm and losses.
Consumer complaint received 2024-05-03
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. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I have over $ 100K in this business checking account. We ave had the account for over 10 years. The bank sent us " marketing questions '' to complete and threatened to freeze our account if we did not answer them. We tried calling the phone number - no answer. We completed the papers and returned them to our local branch in XXXX. We received another letter, we went to the branch. The assistant branch manager discovered that the Incompetent Branch Manager, never turned them in. Last week he assured my husband that he would take care of the situation. Today, Citibank froze our account. I have checks bouncing. First, under what grounds can they legally freeze my account? Second, we turned in their paperwork, so they had no reason to freeze the account. These banking practices need to be stopped. The bank has no right to freeze an account because a client does not answer " questions designed to offer you better products and services ''. I can understand wanting to verify my identity - but they did not want that information. These practices should be investigated.
Consumer complaint received 2024-05-03
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. (GA)

XXXX friday XX/XX/2024 I just spoke to XXXX XXXX who is 3rd party for XXXX XXXX and XXXX XXXX credit cards. Under law they told me that they report at the end of the month each month updated credit balances. 

Experian, my contact there, told me he called the business office and they said XXXX has not updated for my cards. 

Someone is not telling the truth and the finger pointing has to stop. 

I am trying to have credit pulled and can not until this is updated. 

Please investigate who is not doing their job and if they are not reporting they need to be fined. both that is.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (OR)

I received several emails from Synchrony Bank Amazon Credit Builder account that I did not sign up for saying they made trial deposits in my account for a new card. Also saying action required. I called the company and reported it to them and they said they are receiving several calls regarding this. I am very concerned that my personal information has been leaked because I have had an account with them in the past and currently have a paypal account that they service. Very disturbing and feel it should be looked into.
Consumer complaint received 2024-05-03
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)

I have chosen to take the time to submit this complaint because I am extremely disappointed by the practices of this Consumer reporting agency. I am hoping the Consumer Financial Protection Bureau can be of assistance in helping me resolve this matter. I am aware that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy and I am here to see that they are due. Recently multiple of my rights have been violated by this Consumer Reporting agency. I am aware of the Consumer Protection Laws that protect consumers against unfair trade and credit practices involving faulty and dangerous goods or dishonest claims or tactics by organizations. Due to this Consumer Reporting agencys incompetent and dishonest claims I have received numerous unfavorable results that have affected me and my business horribly. I expect nothing less than deletions of all the accounts listed below or I will have to escalate this to a legal matter. 

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 XXXXXXXX
Consumer complaint received 2024-06-21
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NC)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file
Consumer complaint received 2024-05-03
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. (TX)

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

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




XXXX XXXX XXXX ( charge off ) XXXX XXXX XXXX XXXX XXXX ( charge off ) -- {$1100.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-03
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. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-03
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2017-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a mortgage that was transferred to Mr Cooper, formerly Nationstar. Since they took over the mortgage, they have failed to pay my insurance, causing a lapse in the coverage, despite repeated attempts on my part to get them to pay it. The insurance and taxes are paid from our impound accounts that they collect each month. 

On XXXX XXXX I called them because I received a notice from the county of XXXX XXXX tax collector stating that they had failed to pay a bill for unsecured property tax. I called the company and spoke to XXXX, and then his supervisor, XXXX XXXX. I asked them to pay the tax and refund me the penalties. The bill on that date was for {$130.00}. Taxes were XXXX, penalty XXXX, and collection cost of {$20.00}. 

XXXX told me she would contact the assessors office and resolve the matter. She told me it would take several weeks but that she would handle it. 

This week I received a notice of lien on my property for the same bill. The amount is now {$160.00}, taxes still {$100.00} and penalties of {$10.00}, {$1.00}, and {$49.00} of collection costs. I called the company 4 times yesterday, XXXX, and could n't get through. The first time I was instructed by the automated service to leave my number and expect a call back, and two hours later the automated service told me to call back later, they were too busy. 

I had perfect credit prior to this situation, I want Mr. Cooper to pay my taxes, refund me the penalties and make my credit right again. I ca n't get them on the phone to help me, and every time I speak to one of their representatives, they tell me they will fix the situation and do nothing. 

I would also like to move my mortgage to another lender. I have had this loan since XXXX and it has been transferred to 4 lenders now, they are by far the worst. 

What are my recourses here? 

Thank you.
Consumer complaint received 2024-05-03
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)

I found inaccurate information in my EXPERIAN credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-21
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. (IL)

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2024-05-03
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. (AZ)

Dear Credit Bureaus : Here in writing to bring to your attention the rights of consumers regarding identity theft, both internationally and domestically. As per the Fair Credit Reporting Act ( FCRA ) 605B, consumers have the right to request the blocking of any information in their file that resulted from alleged identity theft. This request must be honored ASAP. Furthermore, it is imperative that upon receiving such a request, you promptly notify the furnisher of the information about the potential identity theft, the filing of an identity theft report, the requested block, and the effective dates of the block. While you have the authority to decline or rescind a block under certain circumstances, consumers must be promptly notified if their request is denied or revoked. It's essential to uphold these consumer rights.

All dates, amounts and actions taken can be found in the FTC documents unloaded to this complaint.