davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I have potentially fraudulent " late payment '' flags on my Experian score and only my Experian score. Customer support and their Dispute Center will not disclose to me who reported missing payments. 

I've both emailed and called, and have spoken to half a dozen people. I've been hung up on, transferred around their call centers, and have been told to " hire a financial consultant '' on repeat. 

There does not seem to be any mechanism to hold them accountable, or to force their hand to provide basic information like this relating to my report. I also can't file a dispute for this through their system, as I'd need to know who reported late payments to do so, and which they won't disclose.
Consumer complaint received 2024-03-29
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)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-09-22
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)

Recently, I did an an investigation on my report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-16
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: PNC Bank N.A. (MN)

I was trying to get an apartment and realized damages on my credit report. 
According to 15usc1681 law there should be no damages on my report is defamation of my character
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (FL)

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 2024-03-29
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)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2024-03-29
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)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-03-28
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)

I still see inaccuracies on my credit report even after the credit bureaus furnished my report without written intructions to be modified. Date opened, last reported, last active and last payments are still inaccurate. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Experian, XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. I did not consent to have any of my reports furnished or modified.
Consumer complaint received 2018-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

In addition to creditors reporting accounts paid in full, I faxed and mailed copies of lien releases, etc. to show accounts paid in full. These accounts were PAID IN FULL in 2015!!! I filed disputes with each bureau, attaching/uploading proof of payment. I even joined their monthly monitoring services hoping to resolve the errors. I went so far as to hire XXXX XXXX to repair my credit, no results and monthly fees. This has cost me thousands of dollars in increased interest, rent, additional fees, being able to purchase a new vehicle and being able to purchase a house. Granted, I should have checked before now, but I assumed since I made several attempts through different channels, there's no way those accounts are still on there!! I also assumed that it just took awhile for your scores to increase. That's what I get for ASSUMING!! 



Thanks
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AZ)

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Consumer complaint received 2024-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (CA)

I have a mortgage with United Wholesale Mortgage ( UWM ) When I purchased my home in XX/XX/XXXX I set up an escrow account with UWM, and they began collecting sufficient funds to pay my regular and supplemental property taxes when they came due. When I received my supplemental property tax bill for the XXXX tax year, I sent it to UWM to be paid from my escrow funds. Half of the supplemental tax bill was due in XX/XX/XXXX and the other half was due in XX/XX/XXXX. In XXXX, XXXX, UWM paid the entire supplemental bill instead of paying only the XXXX half that was due at the time. This has caused an ongoing problem with my escrow account that I need resolved ASAP. 
On XX/XX/XXXX, UWM did an escrow account analysis which reflected that my total projected property taxes going forward would be {$9100.00} per year, which is correct. The rest of the numbers were completely inaccurate. The escrow analysis estimated that {$4500.00} would be due in XX/XX/XXXX and again in XX/XX/XXXX. These amounts included the regular and supplemental tax assessments. However, because UWM already paid the entire supplemental bill in XX/XX/XXXX, they only needed to pay the regular property tax bills of {$1400.00} due in XX/XX/XXXX and XX/XX/XXXX. The combination of the early supplemental tax payment, and UWMs omission of that payment from the escrow account analysis, made them project that my escrow account would have insufficient funds going forward. 
Since XX/XX/XXXX, I have contacted them multiple times to correct this problem, but they can not seem to get the impound analysis correct even though they issued two additional escrow analysis forms. On the first and second revisions, instead of correcting the projections to reflect what was actually paid and still due, they simply lowered the projected property taxes in XXXX to reflect only the current regular tax bill of {$2900.00} and completely ignored the supplemental taxes. This reduced the shortage slightly but didnt solve the problem because theyre using numbers that they know are incorrect and will create a large shortage starting this XXXX when the actual property taxes come due again. In my last correspondence with UWM, I was told they sold my loan and they cant help me any longer. They suggested that I start all over with the new lender XX/XX/XXXX. 
Even though my mortgage broker and I have explained the problem repeatedly to them, they cant seem to fix it. Since these are trust account funds, they should be handled with precision. I shouldnt have to explain to my lender how to compute property taxes and when to pay them, when the amounts and due dates are written very clearly on the bills provided to them. Please see the included documentation. Thank you in advance for your prompt response.
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MD)

I do not recognize this debt collection I have asked to this collection to be removed from my credit report and the equifax and XXXX did not do as Ive asked Please help me to solve this issue because this is not accurate I am requesting this collection to be removed from my credit report because it is inaccurate Thank you!!
Consumer complaint received 2023-12-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (WI)

I filed my first complaint in XXXX, ref # XXXX Since than I no longer received letters from that collection agency, but now a collection company is sending me threatening letters. 

this is XXXX statement from previous. 

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I signed up for XXXX month XXXX membership to XXXX XXXX in XXXX XXXX XXXX XX/XX/XXXX. Winter special they offered. I suspended membership in XX/XX/XXXX. They confirmed they have record of this. I was billed for continued membership in mid XXXX. When I called the office they said it was for continued membership. I informed they I will not be returning and this must be cancelled. I paid the {$50.00} in good faith. I got another bill for {$50.00} in XX/XX/XXXX to continue the membership and was informed my CC on file was not valid. I informed them by phone and followed up email that this was cancelled in mid XXXX and I did not renew in XXXX as I am not on that area. I called the location to complain about this and they said I renewed but I signed nothing. I just got a debt collection letter from XXXX XXXX XXXX saying I now owe {$190.00}?? I responded to the letter by email stating all of the above. I do not owe any funds as I informed them in mid XXXX when I paid them {$50.00} for something I did not owe at that time but understood possible conflicts in communications. Now this is starting again!! This is a scam. I did not sign up for any on going membership. 

I sent another formal letter on XX/XX/XXXX that will attach to this complaint.
Consumer complaint received 2024-03-29
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. (NY)

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 party. 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.
Consumer complaint received 2024-03-29
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: Radius Global Solutions LLC (FL)

I had a Wi-Fi account set up with XXXX XXXX in XXXX of XXXX. It was my XXXX XXXXXXXX XXXX XXXX, and me and my XXXX roommates decided to go with XXXX for a 1 year wifi contract. We were under the assumption that, as per the contract agreements, this would be a one year contract ( XXXX XXXX XX/XX/XXXX ), and would be automatically terminated once the year was up. Fast forward a year later ( XX/XX/XXXX ) - we moved out of our apartment that had the XXXX wifi setup, and assumed ( as per the original contract signed ) that the account would automatically shut off. A few months later ( XX/XX/XXXX ) I received an email from XXXX XXXX informing me that my credit score had taken dropped. I was very supervised and appalled to see a XXXX point drop ( from an initial score of around XXXX to XXXX ). I was also very confused to see that this was because of an outstanding debt collection from a company I had never heard of in my life ( Radius Global Solutions ). I was even more confused as to what this debt could even be from, as I have always paid off my credit card bills, rent/ utilities/ wifi on time, have never missed a loan payment, and have held an outstanding credit score of XXXX. After investigating this debt collection, I was very surprised and disappointed to find that XXXX had never stopped charging us for our wifi bill that was supposed to terminate in XXXX of XXXX. I called XXXX, and they informed me there was nothing they could do, as they had already sold the debt to the collection agency. I eventually ( XX/XX/XXXX ) paid the debt in full. I am very disappointed about this for many reasons. I had never received any emails from XXXX  requesting to be paid. I also never received any emails stating that I would be put into collections. I had been contacted by Radius Global Solutions a few times via phone, however, any time they called, they always called after business hours ( XXXX - XXXX ) and never specified exactly who they were. In fact, everytime I received a call, it was from a number I'd never heard of before, and the call was simply a strange and cryptic robot voice, stating that I owed money. I honestly just assumed it was a scam call. I am a man of principle. I understand that some of this responsibility lies on me, and I'm more than willing to admit that. That is why I was willing to pay this debt to the collection agency. However, I am a man that is also willing to stand up for myself when i feel it's right, and I personally don't believe that a XXXX point credit score drop should remain on my credit report. If XXXX and Radius Global Solutions would have made better attempts to contact and communicate this issue to me, I would have happily paid either of them in a timely manner, but they didn't, and instead resulted in an enormous credit score drop because of a costly miscommunication.
Consumer complaint received 2023-10-30
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (FL)

XX/XX/2023 a fraudulent account was initiated with AFFIRM INC Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. Merchants include " XXXX XXXX XXXX' {$1400.00} and XXXX XXXX XXXX  {$500.00}. Balance : {$1400.00} Actions taken include a phone call to AFFIRM in order to flag and/or close account for further investigation. Additional actions include an online dispute with XXXX and XXXX on XX/XX/XXXX. An identity theft report with the Federal Trade Commision ( Report Number : XXXX ) was initiated onXX/XX/XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax I noticed that you verified the account below : XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Past due needs to be updated, repaired or fixed. 

Because I dont know a lot about credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. 

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTC, XXXX, CFPB
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Consumer complaint received 2024-03-29
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. (PA)

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 2023-11-08
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. (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.

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 inructions 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (WA)

15 U.S. Code 1666b - Timing of payments ( 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 XXXX  days before the payment due date. 

Provide proof that a statement with ALL information in section 1637 ( b ) was delivered to me XXXX  days before due date. 

As well youre in violation of the U.S federal law from the complaint I just sent and I will not stop until you remove it. You are not the first company that has removed accounts which is why I know what Im doing will work. You are violating the law.