davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent however, no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$260000.00}
Consumer complaint received 2024-05-14
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. (IL)

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 2024-05-14
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. (OH)

On XX/XX/XXXXXXXX XXXX I received an alert from my Experian credit monitoring service date XX/XX/XXXX, XXXX that inform me that a new trade line has been open in my behalf. The name of the company is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no idea who this company is and when I attempted to contact them at XXXX the representative informed to contact the credit bureaus and they can not do anything about. I even ask if they had a fraud department and they said no! I know there a breach with XXXX XXXX XXXX XXXX and possible my information could've expose. I would like for this account to be remove from my 3 major credit bureau agencies asap!
Consumer complaint received 2024-05-14
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)

XXXX, Experian, & XXXX continue to report a late payment on the account XXXX XXXX Account # : XXXX. The consumer agencies has provided me with no evidence that proves that I was indeed late XX/XX/2023. Provide me with the evidence that proves this or update my consumer report to reflect accurate information. 
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-06-22
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. 

XXXX ( Sub # XXXX ), XXXX ( Sub # XXXX ), XXXX  XXXX ( Sub # XXXX ), DEPT OF ED/XXXX  ( Sub # XXXX ), XXXX  ( Sub # XXXX ), DEPT OF ED/XXXX  ( Sub # XXXX ), DEPT OF ED/XXXX  ( Sub # XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX. ( Sub # XXXX - XXXX  ), XXXX  ( Sub # XXXX XXXX ), XXXX XXXX XXXX  XXXX XXXX ( Sub # XXXX - XXXX  ), XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX  ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Sub # 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 2024-05-14
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. (CA)

This is my 2nd attempt to rectify inaccuracies on my credit file. Someone has been using my social security number for their personal gain which is making my life stressful. I'm not allowed to extend or receive credit at this time which is my natural birthright. Can some take a serious look into this? I have reached out to all debt collectors and companies who are listing inquires on my credit file. I have sent back correspondences asked of me via USPS or fax.

My rights are being violated. Please see attached docs.

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a 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 identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-06-22
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. (TX)

I am submitting a dispute and investigation request for these wrongly reported accounts on my credit file. Per the Fair Credit Report Act, I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-05-14
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. (TN)

Victim of a home invasion 3 years ago. Suspects took everything. Months later my information was used to purchase a car, several credit cards and other items. It's taken me several years to remove some of the fraudulent accounts. I'm still in the process of removing the rest.
Consumer complaint received 2024-05-14
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)

This letter serves as an escalation notice regarding the unresolved issue of inaccurate negative entries on my credit reports. Despite previous communication and evidence submitted, these errors persist, negatively impacting my creditworthiness.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

This is my second complaint about this situation ... first complaint is CFPB XXXX XXXXXXXX. XXXX stated that they would remove from all 3 of the big credit bureaus, Experian is still showing this on their report.
Consumer complaint received 2024-07-05
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. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (VA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-06-22
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 TOLD XXXX TO REMOVE XXXX XXXX XXXX ACCOUNT # XXXX DATES XX/XX/XXXX BUT XXXX RESURFACE THE DATE TO XX/XX/XXXX THAT IS A VIOLATION IN THE CONSUMER LAW RIGHTS YOU CAN NOT CHANGE DATES ON A COLLECTION OR CLOSE ACCOUNT I UPLOADED PROOF OF THEM CHANGING THE DATES AND THEY MOVE IT FROM COLLECTION INTO A CLOSE ACCOUNT IS A VIOLATION
Consumer complaint received 2024-05-14
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. (FL)

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I am concerned about fraud on my Experian Credit Report as the following should not be listed : Name variations that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are 6 incorrect addresses that should not be on my report .... 
XXXX XXXX XXXX XXXX, XXXX MO XXXX XXXX XXXX XXXX, XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX XXXX XXXX XXXX, XXXX MO XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX MO XXXX And there are 3 employers that are not correct and should not be on my report .... 
United States Postal Se USPS US Postal Service
Consumer complaint received 2024-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX : XXXX.
Consumer complaint received 2024-05-14
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. (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies acting fairly, impartially, and respecting consumers privacy rights. XXXX and Experian fall into this category, and as a consumer, I have the right to protect my private information. The FCRA ( 15 USC 6801 ) also places an obligation on financial institutions to safeguard customer privacy and confidentiality.

According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only provide consumer reports with the written consent of the consumer. Neither XXXX nor Experian, nor the entities furnishing information to credit agencies, have obtained my consentwhether verbal, written, or implied. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers about their right to prevent the disclosure of nonpublic personal information to third parties. However, I was never informed of this option by the entity providing information to credit agencies.

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization. XXXX and Experians compliance with this provision is questionable. Similarly, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies.

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of the FCRA. Unfortunately, it appears that XXXX and Experian may not be fulfilling this requirement. 

In summary, XXXX and Experians actions appear to violate various provisions of the Fair Credit Reporting Act and related regulations. As a result, I am opting out of their reporting services.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the fair credit reporting XXXX XXXX XXXX :, XXXX OF XXXX OF XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXXXXXX 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 instructions15 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 . 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.Publishing this description will not affecthow the Cre hardes four companUBSCRIB
Consumer complaint received 2024-05-14
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. (MA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX 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 2024-05-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (PR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to dispute the validity of the debt listed on my credit reports with XXXX, Experian, and XXXX, under the account number XXXX, which is associated with Reliable Auto and originated with XXXX XXXX XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am demanding that you provide me with the name of the original creditor associated with this account.

Additionally, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please be advised that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law. 

I am aware of my rights under the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the Consumer Financial Protection Bureaus regulations ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ).

I expect your prompt attention to this matter and request that you provide the requested information within the statutory timeframe of thirty days. Failure to validate the debt within this period will result in the removal of this item from my credit report, as required by law. 

Please take immediate action to resolve this dispute and provide the necessary documentation to support the validity of this debt. 

Sincerely,
Consumer complaint received 2016-09-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I was in a Chapter XXXX Bankruptcy, in XXXX of 2016, I agreed to an consent order to repay arrears owed to Nationstar. 
That ( 1 ) to cure the arrearage, Debtor ( s ) will remit {$2000.00} Instanter, no later than XXXX XXXX, 2016 ( 2 ) the remaining balance of {$700.00} will be cured over nine ( 9 ) months in the amount of {$78.00} per month, due on the XXXX day of each month beginning with the payment due for XXXX XXXX, 2016. 
My bankruptcy was discharged as of XXXX/XXXX/16. I received correspondence as as of XXXX XXXX, 2016 that no payments were applied to my account an now they want to proceed with foreclosure proceedings as of XXXX. I have copies of all payments that were cashed by Nationstar.