davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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. (FL)

Hi, I had a credit score around XXXX for over a year now until I recently submitted a dispute through Experian regarding what I believed to be the reason why the score was not XXXX, which was a false claim from XXXX - Account XXXX. They posted that I have had a late payment 2 years ago. On XX/XX/XXXX I received a notification from Experian that my score decreased XXXX points. I suspected this to be an error ; or a result of actions of retaliation post my dispute either by Experian or the XXXX account. .I was not offered information in regard to the decision either. 

I called XXXX ( which was my XXXX Credit card ) they reported no issues on their end and agree to further investigate the issue as they said they never reported late payments to any of the credit bureaus. 
I called them again after 11 days of my initial call because the credit report dispute continued to show. 
dispute closed with the same information at Experian 's ends. XXXX informed that the issue was still under investigation and that I would get a response in 15 days. 
It has been more than 20 days and I have not received a response from the XXXX, but what is worst is the fact that my credit score continues to show issues associated to this credit card. 
Moreover, it seems that the Experian dispute team closes all of my disputes about this same issue with great frugality. They missed to share details of their investigation, just open date and closed date. It almost seems like a game at this point. me opening the dispute then 24 hours later " dispute results are ready, click here '' ..then I click to get no explanation whatsoever in regard to what sort of investigation they did on their ends. 
I am really disappointed about Experian, it seems all they care for is your money. If you want to boost your score enter your credit card. 
I am also very disappointed about XXXX ', I was a platinum card holder, had the card for decades, never had an issue. That is the treatment we deserve as customers? 

I appreciate your help.
Consumer complaint received 2023-11-21
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. (NJ)

I just want to complain since I could not figure out which experian credit report is to be answered. I received two Experian reports online. One came from XXXX ( XXXX ) and another was XXXX ( XXXX ). It looks that both of them want me to call them to delete the statement of military. However, they indicate different telephone numbers, I am not sure which one I should contact. Anyway, I wonder what kind of proof I will submit.
Consumer complaint received 2024-04-17
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. (CO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2024-04-17
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. (AR)

Under 15 USC 1681 b clearly any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instruction of the consumer. 

Without a written consent from the consumer. XXXX is using Aggravated Identity Theft 18 USC 1028A because they have possession of my information, and they are using it without my written consent.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Today, XX/XX/ I submitted a XXXX transfer in the amount of {$120.00} from my BOA joint checking acct to my daughter 's BOA checking acct, as I've done several times in the past, and my transfer was placed on hold pending review. I tried another {$120.00} XXXX transfer from my personal BOA checking acct to my daughter 's BOA checking acct, and it was also placed on hold, pending review. The money was for my grand-daughter 's hair appointment. Since those two XXXX XXXX were pending, I did another XXXX in the amount of {$130.00} from my BOA joint acct directly to the hair stylist, and it was also placed on hold pending review. I called BOA on my lunch break and was on hold for XXXX minutes, so I hung up and went back to work. I called BOA again around XXXX cst and was on hold for a while until an agent finally answered. I explained the situation, and the agent promised to transfer me to a XXXX agent to try to resolve the issue. I was transferred about six times and was eventually told by a customer service agent that the hold happened because of an alert that I placed on my account. They also told me that I should have responded to the email notifications to either approve or deny the transfers. I told them that is not what the email states. Here is a copy of the statement from one of the emails : Bank of America has placed this transfer on hold so we can conduct further review. Upon completion of the review, we'll either process your transfer or contact you for more details. No further action is required from you at this time. If you didn't make this transaction, contact us The email does not tell me to contact them if I made the transaction, it says to contact them if I didn't make it. After receiving the run around from six different agents, the last agent ( who stated he was in Delaware ) promised me that he was transferring me to a XXXX agent, but my call was forwarded to customer service, again. Six times I was told that my call was being directed to the XXXX department and it wasn't. 

When I made it home, my husband tried to XXXX the {$130.00} to the hair stylist from the BOA joint checking acct. He setup a profile for her and sent the money... it was also placed on hold. So that's {$120.00} on hold from my personal acct, and {$390.00} ( {$120.00} + {$130.00} + {$130.00} ) on hold from the joint account. 

My issue is that there is NO reason for them to cherry pick which transactions they hold for review. There is no logic to it and it can't be due to an alert because in the past, I've XXXX transferred more than {$120.00} and didn't receive an alert or hold. This is bad business and poor customer service. No one could provide me with a logical explanation for holding my money. Something has to be done about BOA holding XXXX transfers. I'm prepared to take this to the next level, if needed. This actually happened a couple of months ago and I thought it was just a one off, but I see that it's not.
Consumer complaint received 2023-11-21
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

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
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (WA)

XXXX XXXX has XXXX hard inquiries on my credit report that they wont remove. Ive also reached out to the XXXX credit reporting agencies XXXX, Equifax and XXXX telling them to stop reporting. They did not abide
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-21
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 want these accounts to be out of my report, I don't want this negative thing under my name, I need it to be eliminated. 


XXXX XXXX XXXX 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 2018-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

We paid this debt to XXXX. We paid XXXX XXXX for account # XXXX, Reference number XXXX, in the amount of {$120.00} Last Year. It might have even been the year before. This company, ERC, keeps sending us letters to collect the debt. I've called them to try to clear it up, but they keep sending me letters. What can be done? We do not owe XXXX Any money at all.
Consumer complaint received 2021-02-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AR)

This is the second round of complaints on this sorry company The complaint before was they did not pay my homeowners insurance out of the escrow and they almost cancelled my policy. Now they have raised my house payment by {$310.00} a year with no explanation. They're always short funds in the escrow, never enough money this has to stop. They're committing price gouging. They were supposed to contact me to refinance my loan yesterday for USDA and the guy named XXXX XXXX no longer works there and they know nothing about the previous notes. I talked to this guy in XXXX to start the process. I want my loan refinanced today. I am sick of this company getting away with this. I keep asking for help for my family and their home. All this company wants is for me to close the complaints as soon as possible. I'm not closing it. Refinance my XXXX loan the government has lowered rates and XXXX XXXX won't let me refinance. They keep you on hold for hours trying to get XXXX loan officers on the line. Please help me get this resolved once and for all.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Parnell Law Group, LLC (GA)

Fraudulent mail sent in connection with collecting a debt. 

Note this violation is relation to an alleged bar member and therefore in violation of 12 CFR 1006.18 ( b ) ( 1 ) ( iii ).
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, TransUnion, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. 

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, TransUnion, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, TransUnion, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, TransUnion, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Dear Consumer Financial Protection Bureau ( CFPB ), A pleasant day to you and I hope thiss message finds you well. I am writing to formally dispute and request an investigation into the presence of fraudulent information on my consumer report, specifically related to an account with XXXX XXXX, which I have no knowledge of or any business dealings with. I believe this account has been erroneously included in my credit report, violating my rights to privacy as outlined in 15 USC 1681. 

Below are the details of the account in question : Account Name : XXXX XXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/2023 Status : Collection account. {$1300.00} past due as of XX/XX/2023. 
Status Updated : XX/XX/2023 Balance : {$1300.00} Balance Updated : XX/XX/2023 I assert that this account does not belong to me, and I have never authorized or engaged in any business transactions with XXXX XXXX. The presence of this account on my consumer report is not only inaccurate but also damaging to my creditworthiness and financial reputation. 

I kindly request that the CFPB conduct a thorough investigation into this matter. I urge you to exercise your authority under 15 USC 1681 to ensure that this false information is promptly removed from my consumer report, as it is in direct violation of my rights to accurate and fair credit reporting. 

Thank you for your attention to this matter. I trust in the CFPB 's commitment to protecting consumers ' rights, and I look forward to a swift resolution of this dispute.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2023-11-21
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$3600.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXX XXXX XXXX  XXXX {$26000.00} XX/XX/XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian has caused me jobs, mortgage loan and bank accounts. When creditors pull my file it shows XXXX ( XXXX ) like I have my credit locked or frozen. XXXX XXXX Phone number XXXX ( Experian Consumer Affairs Department ) called me said him and supervisor & manager XXXX XXXX ( Experian Consumer Affairs Department ) decided to kick me out the Experian system.They will no longer handle my credit file. I found out that was a lie through numerous of Rep in that same department. A Rep in that department told me in that the department that they cant kick you out EXPERIAN. I spoke to another Rep and he told me XXXX XXXX let his power and ego get in way because he have the manager and his friend XXXX XXXX to back him up for all the low down and dirty stuff he do with people credit file once people challenge him about their credit report. He ( XXXX XXXX ) told me 3-4 years he going to teach me a lesson.He talk me a major lesson by playing with my career and livelihood. 
. I tried to contact the new Supervisor XXXX XXXX from XX/XX/2023 to XX/XX/2023. I have left messages twice a week for 9 months and no return calls from XXXX XXXX ( Experian Consumer Affairs Department ). I found out from another REP in that department that they got on file that Im a victim of the 911 DISASTER. I never been a victim of 911 DISASTER or my family. Experian and these employees have affected my livelihood and my profession career. They let their ego affect their job and its not fair to me and other people thats having the same problem.I Know Im not the only one. Somebody need to fix this problem before it come public and cost the company EXPERIAN millions.
Consumer complaint received 2023-06-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!