davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I receive a letter that XXXX XXXX XXXX has allowed my data to be compromised, and they offered " Experian 's XXXX XXXX  '' as compensation. ( Sidebar : this is in no way a comparable penalty to XXXX XXXX XXXX for their negligence ). After signing up with XXXX XXXX, I could not access my Experian account. I have had my credit frozen for years and wanted to reconfirm it was frozen. However, I can not access my account or create an account using my social security number and name. The Experian site says my name, social, address etc. are all inaccurate information. I tried to contact them via phone to resolve this issue ( XXXX ) and after XXXX attempts I could not get connected to a representative to discuss whether my account is compromised or whether there is a problem with their website. There is no other contact information. No chat and no email. There is only an address where you can send a letter. Meanwhile, I don't know if my credit is secure with Experian and can not access their site to check. 

This is the bare minimum and they should have many more contact methods including a service line that has real people to help with real problems. I would like to have this issue resolved so I can log in to Experian.
Consumer complaint received 2024-05-08
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX XXXX
Consumer complaint received 2016-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AE)

In XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after XXXX years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over five years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for five years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.
Consumer complaint received 2023-07-05
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX  account # 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 an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Over the past years ALL three bureaus ( Experian, XXXX and XXXX ) have played yoyo with my life line ( my credit score ). XXXX I was faced with a serious dilemna and cash was stolen. I had to file bankruptcy and cleared.Even at that time my payments were not dilinquent. These XXXX posted I had SERIOUS DILINQUENCES! I searched my credit reports and did NOT find ANY. XXXX posted XXXX long before this public notice and could not and did not prove I was EVER late! I paid off the vehicle and even after I never saw a result for that dispute ( years later they Happily financed a small balance on a XXXX  I paid off early, AGAIN ). Now, back to the post bankruptcy they deducted tons and tons of points and it still did NOT completely ruin me. Why? I have NEVER, NEVER been late or missed a payment, even up to charge-offs. The bureaus still and to this day are deducting XXXX or more for frivilous idiotic reasons to keep my score low. For example, For XXXX Experian deducted XXXX points and XXXX and XXXX XXXX for credit card increase. My credit cards total a whopping {$14000.00} available credit ( XXXX cards ) I bought some extra items and foods on XXXX that just now totaled {$970.00} together and the XXXX card has a XXXXMy payments continue to be un-missed and on time as it has been for years. My my credit score moves up to high XXXX 's they fabricate a lie ( XXXX ) to decrease my score. I have spoken with other people having the same or similiar difficulties. When I contcated these people ( when you can reach them ) they pull some idiotic mess out the air to get rid of you by saying oh we use other data but, can NEVER show what that data or metric is and you have NOTHINGa wrong. This is my life they play with unitl they want to pedal some mess I don't want or NEED. 
They have published inconsistiences and when I return to copy the emails or texts... they are GONE. I ordered a credit report before this complaint and I see NO delinquent accounts .XXXX XXXXever. Nor late payments nor derrogatory info.
Consumer complaint received 2024-05-08
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. (MN)

I identified information on my credit report that is a result of identity theft and not transactions completed by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-13
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)

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 XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-08
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. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-08
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. (NC)

My son got a message today stating that I was getting served papers. I didn't know what it was about, and we listened to the message. The person said that they are with the XXXX XXXX XXXX for XXXX XXXX, XXXX and they said that person with a birthday of XXXX was to be served in so many words. The person left a number and so I called it. The person that i spoke with was so rude and ugly about an account that I have no knowledge of. The message said that the XXXX XXXX  XXXX  has been trying to settle the balance and that they were on there way between XXXX and XXXX to serve papers to me, but I got no calls on my number, and I don't give out my son 's number at all, but they got in contact with him. She also said it was an account that was from XXXX, and i remember I also had a XXXX  XXXX credit card, but this was after XXXX. She was too busy popping her tongue and being rude. The person on the voicemail was only doing there job and said the number that needed to be called, It was like a game to the women who I spoke to. to figure out what was going on. Apparently, I am being sued for something I have no knowledge of. I filed a police report as well since I had no knowledge of someone having my information and getting an XXXX XXXX. They told me to call back if they arrive here at my home.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — Store credit 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. (PR)

The reason of this complaint is to request a refund for sales check XXXX for {$1400.00} dated XXXX XX/XX/XXXX due to merchandise was never delivered. 

In XXXX XX/XX/XXXX I purchase a cooktop Sales Check number XXXX {$1300.00} ( cooktop ) + {$130.00} ( tax ) = {$1400.00}. Four service appointments were scheduled due to cooktop was defective. A Sears service and repair technician visited my home and attempted to repair the cooktop in occasions without success. For this reason, he determined that the cooktop had no repair and recommended to request a replacement under warranty. I contacted Sears warranty services at XXXX and requested a refund under the Master Protection Agreement ( extended warranty ). Two weeks later I received the refund in a check. I took the refunded check and went to the Sears store and purchase a new cooktop ( same model ) Sales Check number XXXX {$1400.00} dated XXXX XX/XX/XXXX. Estimated delivery was XXXX XX/XX/XXXX. Sears contacted me to notify that due to the merchandise not being available the delivery date was being postpone to XXXX XXXX, then to XXXX XX/XX/XXXX, then to XX/XX/XXXX, then to XX/XX/XXXX, then to XX/XX/XXXX. On XXXX XX/XX/XXXX contacted Sears Customer Solutions at XXXX and requested to cancel the order and requested a refund. As of today, Sears Customer Solutions have denied, in several occasions, the refund. The reason for the refund denial is that Sears argues I was already refunded and they will not refund again. Refund Request cases numbers XXXX, XXXX, XXXX. Should you need additional information I have created a detailed call log with dates, hour, who I spoke with and nature/content of the call. *** Please note credit card was paid in full***
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (MN)

I had a business account with Silicon Valley Bank that was closed by the Federal Deposit Insurance Corporation ( FDIC ) in XXXX of XXXX. I had a checking account balance of {$620000.00} in my business checking account at Silicone Valley Bank. I have contacted Silicone Valley Bank countless times regarding my business checking account at Silicone Valley Bank. Silicone Valley Bank is unable to locate my account or money. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (PR)

I am in the process of buying a home and when thy verified my credit, there is a medical debt coming out only in my XXXX credit co and it does not belong to me. I had sent a letter communicating this issue to XXXX but never answered and more than 45 days have gone by. I would like this issue to be resolved ASAP. I will be sending you the letter as an attachment.
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Apothaker & Associates, PC (PR)

During a routine credit application, I learned that there is an outstanding default judgment from XXXX in NJ in the amount of {$4200.00} filed by Apothaker Scian PC on behalf of XXXX XXXX XXXX. I did not live in XXXX XXXX in XXXX. I moved to XXXX XXXX in XXXX and sold the house in XXXX XXXX. 
The lawsuit shows service performed at my old XXXX  address, four years after I moved away. I was never served, never given a chance to respond to suit, and never made aware there was a default judgment. Now this is harming my ability to get credit. Apothaker Scian claims to have no knowledge of who holds this default judgment and XXXX XXXX XXXX was purchased by XXXX XXXX XXXX. XXXX XXXX XXXX also claims to have no knowledge of this judgment.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANCORP (PR)

By XX/XX/XXXX XXXX Santander XXXX returned to me over {$13000.00} in " error '' charges they had incorrectly made to some of my Commercial Bank Accounts ( ie # XXXX ). We held then a personal meeting at their XXXX XXXX XXXX XXXX in XXXX XXXX where they ( XXXX XXXX, XXXX XXXX, etc ) told me that for " seeing only '' my accounts via internet the charge would only be $ XXXX/month from then on. However they did not comply with that disclosure/promise and instead repeatedly kept on over charging my account from XX/XX/XXXX through XX/XX/XXXX up to {$3200.00}. They should keep the agreed $ XXXX/month x 18 months = {$270.00} and return to me the excess money the took from my account ( $  XXXX $ XXXX {$2900.00} ). I have all evidence and correspondence of efforts made with several of their present employees trying to get my money back during recent months in XXXX. Thanks for your kind attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear [ Recipient ], I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes.

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as XXXX and Experian conduct their operations with

fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information. Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for Experian, or any furnisher of information to credit agencies to share my personal information. Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution. Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports. Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer
reporting agencies, and XXXX and Experian are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by

15 U.S. Code 1681e. Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Consumer complaint received 2024-05-08
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. (CA)

I am a victim of identity theft and did not authorize opening a XXXX Credit card. I have tried multiple times to contact XXXX, via telephone, filing disputes and through letter, but they keep reporting inaccurate information. I have filed the proper identity theft paper work, at this time my consumer rights are being violated.
Consumer complaint received 2024-05-08
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M&T BANK CORPORATION (PR)

On XX/XX/2019, MT Bank address XXXX XXXX XXXX XXXX DE XXXX was notified by letter through IdentityTheft.Gov about my identity theft complaint, an affidavit and a police report were sent to them. Answer all your letters and questions. I recently received a letter from a collection company demanding payment of {$5000.00} money I did not request or use. 
This matter was reported in time when requesting a credit report and all credit bureaus were notified.