davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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)

This is my notice of dispute to the credit bureaus XXXX, experian and XXXX Neither three Cras have given me notice of my dispute recorded in XXXX XXXX  15 USC 1681i : Procedure in case of disputed accuracy Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. 

Which was not done at all this illegal treatment by CRAs wont go unnoticed I am Disputing the following XXXX XXXXXXXX account which reporting as a open account when it has been charged off this account needs to be removed for illegally reporting and information disclosed is not public information as I have opted out of XXXX XXXXXXXX Contract I am disputing : XXXX account XXXX XXXX Account number XXXXXXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX has already deleted XXXX XXXX and XXXX XXXX due to me opting out of my information being disclosed Also XXXX XXXX XXXX  XXXX deleted XXXX XXXX XXXX needs to provide proof of full debt validation no just statement if not proven then remove account I want all accounts deleted or I will be reporting CRAs with the Secretary of State for not giving me a notice of dispute
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paypal Holdings, Inc (DC)

I am carrying a negative balance on my PayPal account and they sent me to collections. 

In the notice that I was being sent to collections, there was, as law requires, an option to say I did not want to receive further communications at that email regarding the debt from the collections agency. 

However, to access that option, you had to log into your PayPal account, which had already been locked. So, in practice, there was no realistic way for me to get them to stop emailing me, a right guaranteed to me by law. I couldn't log in to opt out because they locked me out. 

It seems to be like they are skirting the law on this one. PayPal doesn't have a stellar record with the CFPB, so I'm not shocked.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-12
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. (SC)

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. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I Call Transunion about 10 times a day to update my XXXX XXXX  to reflect on my accts XXXX XXXX and XXXX XXXXXXXX XXXX they refuse but they did add XXXX to a XXXX XXXX but im not in a XXXX XXXX i ask to speak to supervisor, Special handling no one will help
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and found that there were numerous pieces of inaccurate information which is very upsetting to me. These errors are affecting my ability to get a car which in turn is affecting my ability to get to work. I am on the brink of being fired and I need these errors corrected immediately. This is a flagrant violation of my rights and insist you remove these inaccuracies from my report at once.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Dear CFPB, I am writing to file a complaint against XXXX, Experian and XXXX for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report.

Please see the dispute letters I attached on this complaint. It consist the account details.

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation.

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report.

2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes.

3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future.

4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-04-12
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 formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-09-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (NY)

I am asking for this company regional acceptance to understand, I left my job due to XXXX of XXXXXXXX XXXX and having to raise grandchild. I found a mediocre job but had trbl paying- I started another job, better paying. i Started to resume payments - The problem is this, regional makes more then 3 calls a day - I can not answer the pbone during the day. Yesterday they called my boss cell phone - I put in writing to them to stop calling. - b4 losing job i made faithful payments for 4 yrs straight - one operator XXXX there is being too aggressive with the calls and told me she has a right to call. I made a XXXX payment last night ( borrowed $ ) and she called 5 minutes aftr payment and said she needed more - this has become so stressful i cant function- i have XXXX left on loan - just took second job at XXXX XXXX im so worried regional will be the reason i lose this job - from harassing calls- please help
Consumer complaint received 2024-04-12
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)

I am writing to once again dispute certain unauthorized inquiries that continue to appear on my credit report, despite my previous attempts to address this issue. Despite my repeated disputes.

I have previously disputed these inquiries and provided evidence to support my claim that they are unauthorized. However, it appears that the inaccuracies persist, which is concerning as these unauthorized inquiries can negatively impact my credit score and financial reputation.
Consumer complaint received 2016-07-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar sent regular monthly letter regarding our monthly interest rate, payment, etc. According to the letter, our interest rate for the following month is staying the same ( XXXX ) however they still raised our principal payment by {$160.00}. How can this be.? The interest rate is the same, our principal balance is being reduced by {$3800.00}, yet they are increasing our payment????? The payment should go down as the principal has gone down. When I called Nationstar to explain the incorrect math, I was told it was based on a calculation that Nationstar made up. It looks like a huge SCAM to me. Mathematically, it is not correct that our principal payment portion would go up {$160.00} when the interest rate has not changed and the principal balance has decreased. I believe Nationstar is scamming me and I would like it investigated. Nationstar can not provide a logical answer. They said they would send my question to their research department, which means, as always, that my question will go into the XXXX Nationstar hole and get buried. In the meantime, they will continue to scam me and all of their mortgage holders. I would like a reasonable answer to this increase. I doubt Nationstar can perovide one because they are scamming me.
Consumer complaint received 2024-08-07
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. (VA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was looking at my credit report back on XX/XX/year> and noticed that things were incomplete and not accurate. I sent a letter to XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. Theyre breaking Federal Law!

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.

According to 15 USC 1681e ( b ) i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation 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. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency ( I ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ( ii ) the information is in fact, inaccurate.

This is unfair and if theyre doing this to me imagine who else theyre doing this to. Can you please fix this problem.
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-12-30
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 had disputing this account with XXXX XXXX multiple times this is not my account I was incarcerated during the times this account was open I has summited multiple supporting documents as well as police report. XXXXXXXX XXXX XXXXXXXX has already removed this item from my file .everytime I dispute it threw Experian they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as 2 late payments as well as its not my account ..I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints here are my supporting documents again
Consumer complaint received 2023-12-29
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. (NY)

Dear CFPB, I am writing to file a complaint against XXXX, Experian and XXXX for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report.

Please see the dispute letters I attached on this complaint. It consist the account details.

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation.

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report.

2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes.

3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future.

4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2023-12-29
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)

Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the XXXX  file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 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. I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. Enclosures : Copies of my dispute letters Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. Sincerely,
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have screenshots of a conversation I had with a TransUnion rep via XXXXXXXX XXXX XXXX ) where the employee asked if I had a " twin brother. '' They saw two profiles for me, this after no reports showed up. 

I ALSO disputed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It's in XXXX, Ohio. For some reason it's still there. 

I'm a XXXX, not a XXXX. That's a new one for me. 

Hackers can take things off your report and put them back. They usually do this for themselves, affording them the opportunity to take out several loans then erase the debt. Should they be investigated, it needs to be in a stealthy way. If you alert them ahead of time, they can and will put the debt back online.
Consumer complaint received 2023-12-29
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. (CA)

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Experian and XXXX regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the XXXX timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution.

Sincerely,
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Account : XXXX. To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged account is not only listed as OPEN, but also as having a past due balance of {$2000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2023-12-29
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)

None of my credit reports match. My XXXX  loans were paid in full and yet XXXX shows them as being deleted from Their files. Experian and XXXX also do t show the loans as paid In full {$100000.00} was forgive as I am a state employee and the reflector just shows my accounts as deleted.XXXX and XXXX are showing last updates are over XXXX  years ago. My rent is actually only showing on credit agency. Also experian boost removed my credit progress that was not showing correct at all. My utility are paid monthly but the system doesnt pick up the payments it shows that I have to XXXX months of payments these are the same bil for over XXXX  years