davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am moving out of my apartment and multiple apartment owners/leasing companies/individuals are requesting my credit score be XXXX to be considered. I ran my credit reports from the XXXX site for all three bureaus and discovered that Experian had a wrong social security number on my report. I reported this by phone on XX/XX/2024 because I was unable to report it when it was discovered on XX/XX/2024 because the company was closed for the weekend. That report filed was XXXX I received a notification by email that it was corrected but I called to discuss it with a person by phone. I ended up speaking with a male agent and explained the that my social security number was wrong and this didn't make sense because I was able to obtain credit, Experian was reporting accurate closed accounts and active current accounts ( with the exception of XXXX which I am filing a complaint about ) and that it did not make sense that I could log into Experian using my correct social ending in XXXX, yet the personal information display something else. I was about to explain it must be someone in house who added someone's social and was obtaining good credit off my score, but he cut me off asking if the accounts were correct and said he was filing a dispute when I didn't tell him to. 

I would like to file a complaint for the following matters : 1. I would like to complain that the fact that my credit report with Experian only ( no other credit bureau ) showed a social that appeared as XXXX was listed as the primary ssn in my account when it should have been XXXX. 

2. The agent claimed a vendor running my credit could have altered their entry of my social which would alter it on the report. This is a fradulent statement and does not make sense. That would mean any vendor who mistypes a digit is changing your PII which they should not have access to or be able to change at all. If a vendor did change my ssn on my Experian report they are in violation of 15 USC 6802, 15 USC 6805 and 15 USC 6508.

3. It is clear to me an employee added this social into the record to help bolster their credit, a friends, family member or someone who paid them off for an illegal alien situation. Because I could still log in on Experian.com and create an account using my correct ssn ending in XXXX, but someone else 's was the prevailing ssn. Experian has a responsibility to report and question inaccurate information per 15 USC 6508.

4. My credit score can not be accurate if someone else has used their XXXX number to obtain credit which is a violation of 15 USC 6508 5. I have experienced high interest rates and unfavorable terms on a personal loans I have taken out in the last year based on incorrect reporting. My terms would have been better if my credit score was accurate.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/23 I disputed information and provided proof of identity theft snd proof of address I have also supplied identity theft affidavits address affidavits as well with said companies Equifax XXXX XXXX XXXX These companies failed to protect my consumer rights and also violated section 605b of the fair credit report act /penal code they have also failed to thoroughly verify fraudulent accounts I have filed a legal suit against the above stated companies I requested that the companies provide proof and documentation as to how they verified the said collections and inquiries on my personal credit report below are the fraudulent Accounts and inquiries from each company XXXX Equifax XXXX they gave
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX pull my credit and I never authorize or done any business with these people. 

Another company did the same thing post inquiry XXXX and XXXX XXXX. I called talked to someone and these companies and also called Experian they told me they dont take off inquiries these are mine I was removed off my credit.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-22
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 expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2019-02-06
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: EQUIFAX, INC. (SC)

EQUIFAX HAS REMOVED/DELETED/BLOCKED THESE ACCOUNTS AND WITHOUT ANY NOTIFICATION OR AUTHORIZATION FROM ME. I HAVE ATTACHED MY FTC REPORT ( S ) PER THE FCRA 605B LAW STATES THAT EQUIFAX MUST REMOVE/BLOCK THESE COMPANIES FROM PLACING THESE ( IDENTITY THEFT ) ACCOUNTS BACK ON MY CREDIT FILE. PLEASE SEE ATTACHED FCRA 605B LAWS AS IT PERTAINS TO IDENTITY THEFT. THIS WAS NOT AUTHORIZED BY ( ME ) TO BE DISPUTED. EQUIFAX HAS GONE AGAINST " MY '' WILL AND PLACED THESE LISTED ACCOUNTS FROM A " EQUIFAX BREECH - 2018 '' & IDENTITY THEFT BACK ON MY CREDIT FILE UNAUTHORIZED.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
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. (CA)

My payments are always made promptly, without exception. However, it's perplexing why this company sporadically marks me as late, a situation that shouldn't happen. As per USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account with inaccurate reporting.
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-27
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the Item I am asking you to verify as accurate Experian XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2024-04-27
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. (FL)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/2023 XXXX XXXX XXXX XXXX - XX/XX/2023
Consumer complaint received 2024-04-27
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. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (CA)

It is very difficult to get a hold of this company. I filed a XXXX complaint because I could not get through any of their links to request a refund of owed money. After the XXXX  complaint they contacted me and said that they would send a refund. I have still not received the refund. 

Now, I am trying to request deferment for a XXXX XXXX XXXX. Their website is a literally a web of dead ends. When you finally find where you should be, the site is always down. I have trouble signing on each time i try to access the website. 

I have had many loan companies over the years and this is the first one that actually seems to be scamming people and there is nothing I can do about it. Eventually they will start adding on fees or say I didn't pay when I should have, but there is nothing else I can do. Each time I do something like this, I get a response, but otherwise ... .. it's crickets. 

Please hold them accountable and make them have a functional website ( if that is to be the main form of contact ) and responsive staff or have them switch me to another company.
Consumer complaint received 2015-06-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

On XX/XX/2015, I was notified from my XXXX mortgage company, that my loan had been sold prior to my XXXX payment due date (XX/XX/2015). However, I had already mailed in my payment to the original lender on XX/XX/XXXX. The original lender sent my payment to the new lender and it delivered via XXXX on Thursday XX/XX/2015 As of XX/XX/2015, the check was not presented to my financial institution for payment and I still have not received notice from the new lender stating they now own my mortgage and/or where to send future payments too. After looking up this new lender I found bad reviews of this company reporting late payments on customer accounts when the payments were provided before or on due date. 
I have not received any feedback from this lender after calling XXXX to get information about a new account number and where to send future payments. When I called I was told the loan was not in their system yet and it will take a day or 2. However I should receive a letter within 15 days of the loan transfer. It has been more than 15 days and I received no notification from the new lender.
Consumer complaint received 2023-07-19
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. (CA)

I had my mortgage lender ask to do a soft pull of my credit he lied and pulled a hard pull. Now Experian has sold my information and my phone and email will not stop from lenders calling me telling me that experian notified them I may be looking to refinance or get a line of credit HELOC I called experian and the guy I was trying to speak to kept putting me on hold and then saying he can't hear me. There was talking in the background not sure if he worked from a home office but the call was a waste of my time.

I don't know how to make the calls and emails stop. 

Can they sell my info? I'm registered on the do not call registry and they sold my personal phone number. 
I get calls as early as XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I've sent in several requests and spoke to several experian representatives and supervisors about having the incorrect address on my file. I've sent several disputes and several FTC reports showing the incorrect address on my file. Experian claims they can't remove this address because it's associated with other accounts, I've disputed every single account that has that address attached and Experian has failed to comply with my request. As part of the FRCA, it is my right to have the correct information reported to the credit bureaus. I am asking that you hold Experian accountable for their actions of not fulfilling my request and not updating the correct information on my report. I've attached several prevalent documents including a police report with my information on it. I've also attached my ID with MY CURRENT address, where I've lived at for the last 10 years.
Consumer complaint received 2024-04-27
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 saw a late payment on my credit report from your company that I do not recognize 15 U.S. 1602 ( p ) According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. I have no involvement with this account nor inquiry on my credit profile This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 
I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have both a business and personal account at Bank of America. I have had accounts with Bank of America for over 25 years. The business account is XXXX XXXX and XXXX XXXX XXXX XXXX and the personal account is XXXX XXXX XXXX. 
XXXX. On XX/XX/2023 {$6900.00} was fraudulently transferred out of my business account to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX. This person is not known to me and the address is a rundown property in foreclosure. The transfer was not discovered until XX/XX/2023 at which time the Fraud Dept. at BOFA was called and a complaint was filed. No 'recipient added ' notice, nor the code notices were received for the fraudulent person and the transaction. I followed all instructions from BOFA about changing passwords, etc., when instructed that day. 
Paperwork was sent to the Fraud Dept XX/XX/XXXX, XXXX It was Denied. Paperwork was refiled after a police report was made. 
2. Another attempt was made to transfer {$10000.00} on XXXX XXXX. I received a notification and called the bank and the Fraud was stopped. 
3. Personal Saving account- On Friday XX/XX/2023 I checked my balance which was {$10000.00} in the morning before running payroll. I deposited several checks into my business account and went back into the account on my computer to pay payroll. My saving account showed {$1100.00} and that {$9500.00} had been transferred out to a XXXX XXXX. I immediately called BOFA to stop the transfer, they said the best they could do is file a claim. I did not receive again the notice of 'Recipient ADDED ' or that a transfer had been made, which is what happens when a transfer had been made. The funds transferred back into my account on Monday, XXXX XXXX at which time BOFA did a FORCED DEBIT to the fraudulent account even though the account had been locked down on the previous Friday. The Fraud complaint has never been responded to to date. 
TO DATE : I have not had any of my funds returned to me. It is apparent that Bank of America 's online system is not secure and can easily be overridden. Bank of America is uncooperative in responding. Calls are made to follow up on the Fraud, and you are kept on the phone for over an hour as you are transferred from one person to another. Please advise what to do. XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments one for XXXX account ending in XXXX and one for XXXX XXXX  account ending in XXXX. These include a 30-day late payment posted on XX/XX/year> ( XXXX XXXX  XXXX XXXX ) and a 30-day late payment posted in XX/XX/year> ( XXXX XXXX  ). These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination
Consumer complaint received 2024-09-13
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. (CA)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

I request that you update, block, or remove the inaccurate accounts and unauthorized inquiries listed on my credit report. 

Please review the attached letter for further details. Thank you for your assistance.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-13
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # 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