davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

On or about Wednesday XX/XX/XXXX, I contacted debt collector XXXX regarding XXXX accounts XXXX XXXX  and XXXX XXXX both charge off accounts that and XXXX purchased these accounts in XXXX however pursuant to the FCRA they are reporting opened in XXXX when they were actually opened XX/XX/XXXX and therefore XXXX FCRA rule should apply and these XXXX accounts should fall off or be deleted this year in XX/XX/XXXX howeveXXXX XXXX XXXXs not the original creditor and bought tje debt as bad and therefore shouldn't be reporting to creditors.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXXXXXX XX/XX/23 Is reporting late payments when the account was settled since was not opened with my consent. 
Also I found inquiries that I did never authorize : XXXX XXXX, XXXX BANK 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2016-08-27
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

Pnc banks eliminated one of the few remaining customer service benefits. The machine that accepted your coins and provided you cash in exchange. Not only do they hold my money and pay no interest, now they have discontinued one of the few banking services I actually value. I guess they really do n't want bricks and mortar locations. Another consumer takeaway.
Consumer complaint received 2024-05-02
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX UNITED STATED SSC XXXX XX/XX/year> RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2024-05-02
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. (MI)

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 XXXX 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 2023-05-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (NY)

Had an account with wells fargo auto loan. I purchased a used car for {$6000.00} and I finished paying the auto loan for {$21000.00}. I believe that Wells fargo charged me interest that I didnt agree to on the contract.
Consumer complaint received 2024-06-16
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. (GA)

XXXX XXXX XXXX XXXX  Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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)

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  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  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 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Usc article 9 part 6 In accordance with the Fair credit reporting act has violated my rights 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 section 604 a section 2 states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (FL)

This complaint is filed against XXXX, XXXX, and XXXX for reporting incorrect information, non verifiable information, and incomplete information on a account all XXXX are reporting which violates the FCRA and due process of federal law. The said account at issue is called XXXX XXXX under account number XXXX. A dispute was filed with all 3 bureaus and my dispute was denied and information in all 3 reports was considered to be correct/ accurate and verified. A copy of the consumers smart credit 3 bureau report is included in this complaint to verify all errors and discrepancies on this account. All reporting errors are as follows : 1. Both XXXX and XXXX report a high balance of XXXX. XXXX reports a high balance of XXXX. All can't be correct. 2. All three credit bureaus report different dates of last activity. XXXX reports XXXX as XXXX. XXXX reports XXXX as XXXX. XXXX reports XXXX XXXX. All differ and can't be correct or verified as accurate. 3. Both XXXX and XXXX report payment amounts as XXXX. XXXX reports payment amount as XXXX. 4. Both XXXX and XXXX report date of last payment XXXX. XXXX reports last payment date as XXXX. XXXX. XXXX report says last payment made was in XXXX. Contrary on same report under 7 year payment history calendar that last payment was made in XXXX and that in XXXX, account was closed and in collections. XXXX. XXXX reports that last payment made was in XXXX. Contrary on same report, it shows under 7 year payment history calendar that last payment made was in XXXX and that in XXXX, account was 30 days late. 6. XXXX report shows XXXX 90 days late. XXXX report shows 1 90 days late. XXXX report shows 4 90 days late. All differ and can't be correct. 7. XXXX  payment history calendar shows in XXXX of XXXX that account was paid/O.k.. XXXX reports 30 days late in XXXX of XXXX. Both can't be correct. 8. XXXX report says account was 30 days late in XXXX of XXXX. XXXX reports account was 60 days late in XXXX of XXXX. Both differ. 9. XXXX report says in XXXX XXXX account was 60 days late. XXXX report says in XXXX Of 22 account was 90 days late. Both differ. 10. Both XXXX  and XXXX reports are missing date account was closed. 11. Both XXXX  and XXXX reports are missing Date last verified also.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to bring to your attention an important issue that I have discovered on my credit report. Upon reviewing my credit report dated XX/XX/2024 I have identified the following information which I believe is incorrect : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX  This inaccurate information could have significant negative implications on my credit score and financial standing. As such, I consider this matter to be of the utmost urgency. 
I kindly request the prompt deletion of this inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information in my credit report that I consider to be inaccurate or incomplete, and have the right to request its immediate removal. 

To facilitate the resolution of this issue, I have provided my contact details below. I am hopeful for a swift response, and would appreciate it if you could notify me once the correction has been made. If further discussion is needed, I am available at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Please note that if Credit Bureau fails to promptly correct the information as requested, I may consider taking further steps to ensure the accuracy of my credit report. I trust, however, that this matter will be resolved speedily and satisfactorily, without the need for such actions. 

Thank you for your attention to this matter and for your cooperation. 
Best regards, XXXX XXXX
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I fell behind on my mortgage because my mortgage company gave me an adjustable payment which increased my payment from about {$18000.00} to {$28000.00} overnight. I hired an attorney to help me apply for assistance and they have submitted my application to Nationstar who is now called Mr. Cooper. Mr. Cooper states the only reason they can not modify my mortgage is because the owner of my loan says if they modify it the total payment must drop. My attorney appealed this decision and they mailed back paperwork showing the proposed modified payment and it is only a couple hundred dollars higher than my current payment. This rule makes no sense. My old payment was {$18000.00} and overnight my payment went up to {$28000.00}. And now my servicer is saying the only reason they will foreclose my home is because if they modified it the payment would go up by a couple hundred dollars per month. My servicer states the owner of the loan also will not extend my maturity date. They say they will not offer any more interest only options. My attorney has requested the servicer contact the owner of the loan and ask for one exception on any of these possible fixes and the servicer thus far has refused to do so. My attorney believes the servicer has an obligation to contact the owner of the loan to ask for any of these exceptions. To merely foreclose my home due to a technicality which makes no sense after basically purposely putting me into a loan which they knew would balloon out of control ( $ XXXX to $ XXXX payment increase ) seems fraudulent and purposeful. Anyone looking at this much of an increase who has common sense can see this is not right.
Consumer complaint received 2024-06-16
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. (FL)

On Wednesday XX/XX/2024 and again XXXX  XX/XX/2024. The reps when calling experian by phone at number : XXXX from my phone number : XXXX XXXX XXXX are refusing to open up disputes on my credit report. The app and website both say i have to call when offering the option. I told them this very politely and on several occasions both days the reps and supervisors refuse to open credit report disputes for invalid inquires. There should be no approved inquiries in last XXXX  days on my credit report. Experian refuses to assist when i call. XXXX refuses to open credit inquiry disputes by phone when i call. Yelled shouted and refused on multiple occassions. A violation of law. Refusing to service or open a inquiry dispute. We should civily sue the phone reps for tort and the company to. This was a problem in the past too that has prevented me from home ownership and other perks since the negative reportings they refuse to fix. Can you assist in disputing the XXXX credit inquiries on my report i dont know about that occurred in the last XXXX  days? Can i call someone directly?
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: Experian Information Solutions Inc. (FL)

his company is reporting 90 days late payment but it states that I was late one time. This account is inaccurate and not verified. The information that's reporting an error is damaging my future and play a part in me getting denied for credit. 

XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$5200.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$20000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$11000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$20000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX In accordance with The Fair Credit reporting Act this creditor and all three agencies has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account or loan under an open end consumer credit plan as late for any purpose. Late payments should not be reported. 15 USC 1681a ( 2 ) ( i ) - late payment is a transaction and/or an experience, and it MUST BE EXCLUDED. ( I ) Accommodation The term accommodation : The Term " accommodation '' includes an agreement to defer or more payments, modify a loan or contract, or any assistance or relief granted to a consumer who is or was affected by the coronavirus XXXX XXXX ( XXXX ) during the covered period. It is illegal to report a late payment especially when I was never late, I had a card on file for auto pay. I never made a late payment.
Consumer complaint received 2024-05-02
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX  I went to dealership to look into purchasing a vehicle. I noticed my wallet was missing. Later that day I discovered that the wallet was not inside my home either. I went immediately to check my credit and noticed there were all kinds of fraudulent activity going on my report. I immediately went to the police to report the activity I notice. I then began to send the credit bureaus the police reports and identify theft reports to get these things removed, and they never responded to me at all. These fraudulent activities are holding me back from purchasing a new home and vehicle.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (FL)

there is two cars reporting on my in the amount of {$23000.00} and {$35000.00} that does not belong to me I am a victim of identity theft I have notified every one of this I have also sent a copy a police report to each credit bureau. This has greatly affected my every day well being
Consumer complaint received 2024-06-16
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)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 However, they 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 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
Consumer complaint received 2024-05-02
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. (UT)

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

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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