davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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 nephew, 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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-16
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)

Failure to Report Account Information Accurately Despite timely payments and responsible credit management, the bureau has failed to accurately report essential account information, leading to an incomplete and potentially misleading credit profile. This oversight may adversely affect my creditworthiness and financial opportunities. I urge a comprehensive review and prompt rectification of the inaccurate reporting to ensure the integrity and fairness of my credit report.
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

on XX/XX/2024 at XXXX I logged into my US Bank Credit Card account to make my payment. I used my XXXX XXXX XXXXXXXX savings account for the transaction. Lately this establishe link to my XXXX  account has been failing. 
So later os same date XXXX at XXXX hrs I logged in again and I confirmed my payment failed. So at this time I did a transfer from my US Bank saving account to my Credit Card account for the sumn oif {$200.00}. 
I hit the submit button and noticed no confirmation email was sent to me yet my savings account was decremented. 
While checking viewing my Savings account and Credit CXard account I noted a {$40.00} Late fee was applied on same date I made the payment.
Consumer complaint received 2024-04-16
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 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 2024-10-24
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. (NJ)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section XXXX ( b ) ). 
XXXX communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section XXXX ( c ) ). 
Harassment under 15 USC 1692d ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-02-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I've requested my signature on contract with all parties involved in these debt collection, everytime I request my signature on contract with all companies/parties my request has not be fulfilled resulting in multiple debt collection agencies requesting me to pay them for the same debt because they are constantly reselling the debt to each other claiming i owe them the newest debts collection agency is ( JEFFERSON CAPITAL SYSTEM LLC ADDRESS XXXX XXXX XXXX XXXX ALABAMA XXXX ) I am not in contract with JEFFERSON CAPITAL SYSTEM LLC nor do I owe them this a violation of 15 USC 1692d- harassment and abuse 15 USC 1692g - validation of debt and 15 USC 1692c - communication in connection with debt collection
Consumer complaint received 2023-11-28
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-10-24
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. (CA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-04-16
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. (HI)

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.

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 2015-04-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

We paid our mortgage payment over the phone and the rep applied a different amount to another person 's account out of my bank account! Then they called to let me know that our payment had n't been made. My mortgage payment was {$690.00}, they took {$1200.00} out of my bank account causing my bank account to overdraft and incurring {$140.00} in bounced check fees. I called numerous times and got the run around several times until I threatened criminal charges. The rep even lied to me stating the recording said my husband agreed to {$1200.00}. I was the one who figured out they applied it to another Nationstar account number. Then she back peddled and finally agreed to give us back the {$530.00} and I told her she needed to give us the {$140.00} in bounced check fees as well and she said she might be able to give me XXXX fee. I said no, she would give me all plus any more that would occur due to her delay. She refunded me the {$530.00} plus {$140.00} but in the delay in getting the funds, another {$64.00} was added in fees to my bank account. I faxed the bank statement to her and phoned her twice and left messages with absolutely no response in over a week. It 's only {$64.00} but it was n't our fault, it was Nationstar 's screw up. We want our money back!
Consumer complaint received 2024-04-16
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-24
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. (IN)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-08-07
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: Aldridge PIte Haan, LLP (FL)

In XX/XX/year> I received a letter from Aldridge Pite Haan , LLP stating they are a debt collector as well as a law firm. This was in regards to an alleged debt w/ XXXX XXXX XXXX  On their own letter to me they stated my ability to dispute the debt and the process. Which they state they MUST STOP COLLECTION on any amount until they send information that shows I owed the debt. I had util XX/XX/year> to respond. I sent a certified letter on XX/XX/year> which was received by Aldridge Pite Hann on XX/XX/year>. In my response letter I requested specific debt validation information in my dispute. According to the Fair Debt Collection Practices Act, 15 USC 1692g, Aldridge Pite Haan had 30 calendar days to provide the information I had requested. Again, during that time per their letter, in writing, they were to stop ALL collection processes. Not only did they NOT follow their own process, they did not respond until XX/XX/year>. Their response was not in the 30 day timeframe, their response did not include the requested information, AND they filed a lawsuit against me on XX/XX/year>. This directly contravenes their own written terms as well as is a clear violation of the FDCPA requirements. The lawsuit should have never been filed and the account should have been deleted and removed completely.
Consumer complaint received 2024-04-16
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 Just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached the evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX This inquiries has no permissible purpose to be o my report. Please remove this inquiries due to violation of 15 USC 1681b.
Consumer complaint received 2023-08-05
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: The CBE Group, Inc. (GA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 


I never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name XXXX XXXX XXXX XXXX All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, There are multiple Soft Inquiries that are NOT AUTHORIZED :
Consumer complaint received 2024-07-02
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. (IL)

XX/XX/XXXX and Transunion have inaccurate information reporting on my credit file in Transunion and my XX/XX/XXXX application for XX/XX/XXXXXXXX through Transunion. I already called sent a letter to have this information removed they have not removed it yet. XXXX account closed is an inaccurate report. And needs to be removed from my credit file its inaccurate the dates are incorrect the account is incorrect. And Im very upset how Transunion responded and continued to put negative inaccurate informations onto my credit file and this needs to be removed immediately
Consumer complaint received 2024-04-16
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)

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 2024-04-16
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. (MI)

For over one year, I have diligently attempted to address the inconsistencies between the information provided by Experian and that of XXXX and XXXX. Despite my efforts, these discrepancies persist, leading to confusion and frustration on my part. It is concerning that the credit profile provided by Experian does not align with the data furnished by the other two credit bureaus. This misalignment not only undermines the accuracy of my credit report but also raises doubts about the reliability of Experian 's reporting practices. Experian 's customer service representatives have failed to provide meaningful assistance in rectifying these discrepancies. Instead, they have insisted that I have no credit profile or have requested unnecessary identification documents for every complaint I raise. This pattern of unhelpful responses and unfounded accusations has only added to my frustration and impeded the resolution of this matter. As a consumer, I have the right to accurate credit reporting and fair treatment from credit bureaus. However, Experian 's actions have fallen short of these standards, resulting in significant distress and inconvenience for me.
Consumer complaint received 2023-08-18
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. (NC)

XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like my personal information protected 15 USC Code. 2a Consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged, identityTheft, Not Later than 4 business days after the date receipt. It has been 30 days and they are violation of the law because I am a victim of identityTheft!! PLEASE Delete These item
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: Experian Information Solutions Inc. (FL)

I RAN MY CREDIT AND NOTICED ACCOUNTS AND INQUIRIES THAT ARE NOT MINE I do not recognize this at all. 15 U.S. Code 1681q - Obtaining information under false pretenses - Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in 1 of 4 connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

PLEASE SEE ATTACHED-
Consumer complaint received 2024-08-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (SC)

I am disputing a collection account with XXXX XXXX XXXX. I have been a victim in of identity theft and this account or debt does not belong to me. I have never resided in these apartments nor have I signed or co-signed for anyone. Under the FDCPA, I have the right to request validation of this debt. I have previously requested this to no avail. There is no contract between myself and the creditor provided nor my signature. I am requesting this collection account be removed immediately from my credit reports. I also have the right to receive monetary compensation if inaccurate information is being reported and causing damage to myself. I am in the process of purchasing a home for my family and this single collection is keeping me from moving forward. Please remove immediately! 


XXXX XXXX XXXX Account # XXXX