davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to urgently seek the Consumer Financial Protection Bureau 's intervention concerning severe discrepancies in my credit report, which have gravely impacted my financial well-being and threaten the stability of my family. 

Background : I have identified inaccurate and potentially fraudulent reporting by certain creditors in collaboration with credit bureaus Experian and XXXX. Despite presenting substantial evidence of these discrepancies, the negative accounts persist on my credit report, obstructing my ability to secure a home loan at a pivotal rate. 

Please see the attached supporting documents for all details relating to matter.
Consumer complaint received 2024-04-19
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. (SC)

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 XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Someone has to report this - I was affected by a dark web data breach which I was alerted to with services by XXXX on XX/XX/2024. 
I proceeded with locking my credit at the XXXX Bs. 
Experian - XXXX XXXX with XXXX - No Issues.

Equifax- Went to their website and registered. Went to lock/freeze my credit and they say online they can not proceed - " Please give us a call ' XXXX. I called during normal business hours on Thursday XXXX XXXX XXXX. to discuss why i cant make the claim online and proceed by phone or recieve updates as to why they will not proceed online. 
The phone prompts lead you to choose the freeze option and collects all personal data they need to proceed with speaking with you. 
The phone prompt tells you they can not complete your request at this time and disconnects the phone user with no call back / further way to reach out - I am emailing a complaint hotline I found outside thier website as there are no chat functions or other ways for me to reach out to this department. 
Please assist/ get Equifax to update their phone prompts/ and/or create better practices on the website for users to reach out.
Consumer complaint received 2023-12-03
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)

The following companies have been furnishing unauthorized and unlawful information in accordance with Federal law 15 USC 1666b... ALL LATE PAYMENTS MUST BE REMOVED from my account immediately. 
Here are the following accounts that are also not XXXX XXXX compliant... 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX Bank In addition, I have supplied a Federal fraud report for all the above accounts. The accounts need to be removed. I am also requesting the written permission from your company that gives you my permission to report information via my permission, and for you to request the same from your affiliates.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (MS)

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!
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-11-28
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: 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 issues from above.
Consumer complaint received 2023-12-03
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)

After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 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 shown in 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. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.
Consumer complaint received 2023-08-31
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. XXXX  and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( XXXX XXXX XXXX XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumers report under the following circumstances and no other : in accordance with written instructions of the consumer whom it relates. '' ( XXXXXXXX XXXX XXXX XXXXXXXX ) the financial institutions and the Consumer reporting agencies Experian does not have my consent to furnish this information and they surely do not have my written consent. Any consent to Experian, ( XXXXXXXX XXXX XXXX whether it verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states a Financial Institution may not disclose nonpublic information to nonaffiliated third party unless : the consumer is given an explanation on how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX XXXX XXXX  ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items that reporting without my permission which is illegal and against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A " states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under this section 1681b of this title. '' Experian, is not maintaining reasonable procedures. also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. And I'm opting out of your reporting services.
Consumer complaint received 2023-11-09
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. (KY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (NC)

I have been working on building my credit for years, it is now good, but I have some debt I wanted to consolidate at a 0 % interest and I was PRE APPROVED a zero-interest XXXX XXXX credit card from XXXX through EXPERIAN- I applied for the card, took a hard query hit on my credit which decreased my score then was declined by XXXX  - They sent me a letter stating they think my identity is compromised, but if it was me who applied to call them - I called them, and was told me to go into a XXXX XXXX  to show them my identity, there is no XXXX XXXX  by me so I called them again, and was told my application is denied! This should be illegal Every time I log into my EXPERIAN account I have these pre-approved offers tempting me to apply - UNLOCK OFFER - Well I did and was denied
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I fax a complete modification packet to Nationstar on XX/XX/XXXX. I called Nationstar yesterday for an update to make sure the under writer was not requesting for any additional documents. However ; Agent XXXX told me that my packet was denied. I told him that can not be possible because my documents were just faxed XX/XX/XXXX.
He said that my file was denied on XX/XX/XXXX I told him than my documents were not even review because it was to quick to have a decision. I explain to him my new source of income which is rental. My loan should be eligible for the Flex Modification since my investor XXXX XXXX participates. I need an explanation why my loan was not approve for the Flex Modification. based on the guidelines I should be provided an affordable payment. I honestly feel that Nationstar is just prolonging my case making me fall further behind. My intentions are to keep my home, I am an elderly man and is hard for me to move around. Please help me and provide me the assistance I am requesting. Thank you.
Consumer complaint received 2023-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (FL)

send any and all correspondence between any law firm and servicer including but not limited to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or any of their attorneys or any employees of that law firm or any other law firm to Chase. Include any correspondence Chase sent as a response or as an inquiry include Telephone logs, emails, text messages and any other kind of communication to XXXXXXXX XXXX XXXX  or any other attorneys or any other law firm between XX/XX/2015 to present including but not limited to subpoenas summonses or responses to subpoenas or summonses
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX - XXXX XXXXXXXX XXXX XX/XX/XXXX was reported XXXX past due, XX/XX/XXXX was reported XXXX  days past due, and XX/XX/XXXX reported XXXX past due. This does not correspond with the dates reported in EXPERIAN and XXXX, as they report XX/XX/XXXX - XXXX  day past due, XX/XX/XXXX - XXXX  days past due. and then XX/XX/XXXX XXXX days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. EXPERIAN : EXPERIAN states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. XXXX : XXXX shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. XXXX shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I contacted XXXX  XXXX to see if I had a debt it was ruled as fraud due to id theft. I've asked portfolio recover to verify the debt, they only send bills. Nothing with my actual information just that someone used the bank acct/ credit card. I've disputed this 31 times every time I only get a bill to verify the debt. That just shows someone used the card but not that I opened the account. Portfolio recovery has used XXXX to contact myself, family members and inlaws. Stating if I don't pay the debt it can have an effect on my parents status in the USA ( both are citizens with XXXX names ) they pretended to be a law office, they pretended to be attorney 's. The lengths they go to collect debts is crazy even if they are fraud. No wonder they hace mass lawsuits
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I sent a letter in regarding 2 inquiries and I receive 2 letters back stated the inquiry was deleted from my credit file and it wasn't. 

I have sent in several letters, I have called Equifax informed them that the inquiry still reports on my credit when it wasn't verified along with the letter stating the inquires has been removed ITEMS XXXX XX/XX/XXXX XXXX XX/XX/XXXX copy of letter received from equifax enclosed
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX, 2023 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block 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 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.