davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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. (DC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX I Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX I XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-04-30
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)

n 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, has violated my rights. 


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 2024-06-22
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. (MD)

These inquiries were unauthorized and I'm a victim of identity theft. 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 2024-04-30
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. (OK)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-30
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. (NY)

Hello on XX/XX/24 I submitted a request to experian to provide information about some charge off accounts listed on my account and until this day they have yet to respond to my request to fix this. They have yet to acknowledge me request.
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. (FL)

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$170.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3100.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$2500.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$5000.00}
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 Card : # XXXX, XXXX Card : # 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 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClosingMark Financial Services, LLC (AZ)

XX/XX/2022 we gave {$15000.00} and {$7400.00} as earnest deposit for a new home. This deposit was given with the guarantee to be refunded if when closing we did not qualify for the loan. We pre-qualified for the loan and I was assured that the funds would be refunded if we received a denial of funding. We received a Breach of Contract from the Closing Coordinator that Taylor Morrison would keep the funds due to delay in approved funding. I contacted the loan officer XXXX XXXX he stated that he did not understand why we received this letter and had been out of the office. During the time XXXX was away our loan was never given to another officer. I reached out to the Property manager XXXX XXXX who was also the co-agent for the purchase of the home and asked how I can force Taylor Morrison lending to provide an approval or denial especially since the loan officer has been " off for some time '' as he stated in the email. We received the denial of the previous pre-qualified loan, and I was told by XXXX the property manager and co-agent that it was in black and white zero funds would not be refunded due to the delay in approval or denial of the loan.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMO Bank, N.A. (IL)

BMOs response to my complaint is inaccurate. They have included false information and are retaliating against me in regards to other requests. I have already changed my address on ALL accounts with several representatives and they still refuse to permanent change this information on my accounts. BMO is sending sensitive information to an address I told them to update since 5 years ago. BMO has mentioned they have called me regarding the late payment but my phone provider has verified that no phone calls were ever made. Also, when I spoke with a representative prior, they told me they dont keep track of a lot of their calls so they dont have accurate information and asked ME to provide information they should have.
Consumer complaint received 2023-08-03
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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. (GA)

According to the USC 1681 I DID NOT ALLOW OR AUTHORIZE THE REPORTING OFFICES INQUIRES : 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 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 XXXX XXXX XXXX Credit Bureau Disputes 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 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 Credit Bureau Disputes 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 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 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 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (NC)

Back on XXXX XXXX i received a text message from Suntrust Bank that i have deposited multiple checks using the mobile app on my checking account and that they were going to hold the checks until the following banking day which was monday. I received the text on sunday night. The following day i went to the local branch directly which is XXXX minutes from my home to report fraudulent activities on my account and that the checks deposited and all of the debit card transactions were not mine. The debit card used was for my daughter. i spoke to her and she informed me that she had lost the card and long time ago and was unaware of these charges The checks totaled at least XXXX dollars plus. The debit card was used multiple times by the same person. The bank used my Suntrust Credit Card as a line of credit and charged my XXXX over {$5000.00} plus now and expect me to pay the money back. I provided the bank with police report and they still charging me for fraud and accused me of benefiting from this fraud. This ABSURD. I requested for the bank to do their investigation by providing me with the IP address from the phone that was used to deposit these checks on my daughter 's name. The bank has refused. My lawyer sent letters requesting proof. They have refused. I have the local police department XXXX XXXX who is currently working on this case. He has video footage of a man using the card and the bank still want to charge me for fraud and now my personal credit card is charged, My name has been sent to all XXXX credit reports as delinquent. This situation has caused me XXXX XXXX  and DISTRESS. I can not afford to hire a lawyer and this is the reason why I am asking for help with your agency. I have no where to. My credit is ruined and I can not apply for any loan where I am innocent. The bank also took the little bit of cash i had in my checking account as well to cover fraud charges. I am saddened by this accusation and specially i have nothing to do with the fraud charges. The bank is refusing to provide documents to where I am responsible. PLEASE HELP ME to solve this issue.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-08-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing is taking my home unfairly and collecting proceeds while suing me to collect more. I am a victim of dual tracking since the pandemic, qualified for loss mitigation assistance and then had a major property loss due to hurricane Ian. Lender placed insurance through XXXX has fraudulently undervalued my claim and while fighting for a fair amount Sls has continued the foreclosure process. The insurance has paid out a lesser amount that what I owe and even though the policy was prchased through my escrow account they claim they purchased the policy on my behalf while also entitling them selfs as the insured beneficiaries, my self as the claimant. They want me to deposit the insurance checks even though they have forclosed and I also have a separate as is cash sales contract.
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (PR)

Since XXXX 2017 my record with Citi Bank Corp. reflects that I am XXXX and closed my Sears card on Saturday XX/XX/XXXX I was informed in the Sears store of XXXX XXXX XXXX in XXXX XXXX XXXX XXXX that the system had rejected my card, To investigate today X/XX/2017 I call to the CitiBank and they informed me that its records showed that I had XXXX. I Investigate with the SS and with XXXX and in none this information appears. Citi Bank refuses to fix the error and demand a letter from the SS office. I am a XXXX veteran with a catastrophic condition and it is very difficult for me to go to the SS office. Citibank persists in keeping this false information in its files, which can hurt me in other financial and personal matters. I hope you can help me with this matter. Thank you
Consumer complaint received 2024-06-21
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. (AL)

Experian and XXXX XXXX refused to remove this from my Credit stating that they have validated this bankruptcy. The bankruptcy never went to judgment and attached is a letter from the bankruptcy court stating they do not report out to credit agencies I have sent letters to them and disputed with no resolve.
Consumer complaint received 2017-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I have problem to submit mortgage payment since   XXXX   XXXX     until now   XXXX   XXXX    . The bank BPPR :  Banco Popular of  PR never contact me. I received a letter from a legal firm on   XXXX   XXXX   XXXX     indicating that they represent the bank and will begin foreclosure proces s one mon th of the letter receiving. This action doesnt reflect a good will attitude from the bank.
Consumer complaint received 2023-02-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC (CA)

My vehicle under lease was hit by another driver, and deemed damaged beyond safe repair by my insurance company. My insurance settlement payout was structured to a value that would assist me in replacing the vehicle with a comparable one in the current market which has changed drastically since the car was leased in XXXX. Thus, the insurance settlement was larger than the XXXX XXXX XXXX XXXX BMW had provided me on XX/XX/XXXX ( states it is good through XX/XX/XXXX ). I was then advised by BMW Financial that they would be attempting to take my entire insurance settlement instead of just the lesser Payoff Quote - and would not allow my insurer to refund me for the difference. Apparently they feel entitled to profit on this and other accidents. I've checked with my insurer, and they said this is not a common practice by other leasing companies- most rightfully let the policy-holder keep the remainder of the payout. BMW has since said that the payoff quote has now been invalidated and purchasing the car early is no longer an option- they will only accept the full insurance settlement. When contacted about this, they sent me a letter mentioning the threat of negative credit reporting if they don't receive what they want- including any lease payments while my insurance payout is pending. 

A car accident serious enough to be totaled already caused me to waste an entire lease payment on a car I can't use while I had to deal with the insurance company for weeks, and incur expenses on buying a car in a market where the prices have gone up drastically. 

BMW Financial Service 's reasoning was that they were able to do so because language in the lease allowed them to do so. While only a court of law can say if the language in the lease is completely accurate and binding, only an individual with an absolute lack of morality would be able to say it is just for a large corporation to take a customer 's entire insurance settlement simply because they can. If you're familiar with the XXXX family who owns much of BMW, and have read the XXXX article about the family 's history of using forced labor in XXXX during the second world war, this lack of morality shouldn't be surprising- but it is surprising that a company of this size operating in XXXX would be allowed to create financial difficulty for American consumers simply because they can get away with it using specific legal language.
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: Experian Information Solutions Inc. (FL)

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 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (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 paty.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.