davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

on XX/XX/year> I applied for a mortgage from XXXX  XXXX XXXX and consented to having my credit pulled. The next morning my work phone began receiving solicitation calls and texts from mortgage, at moments as many as several per minute. These calls have disrupted my business and continue as I register this complaint. XXXX  XXXX XXXX asserts the credit reporting agency made it known ( sold? ) that I was applying for a mortgage and released some of my personal information. My credit monitoring service ( My ID XXXX ) noted that it was Experian that shared my credit report with XXXX. I called the Experian customer service # and asked to speak to a representative multiple times. The automated voice stated it was " unable '' to connect me to a representative " at this time ''. I have never granted any of the agencies the right to sell or otherwise share my information with anyone without my permission. Moreover, I find it reprehensible that Experian also refuses to communicate with people whose sensitive information is possess and shares.
Consumer complaint received 2023-12-12
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NV)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

I purchased a watch on XX/XX/2023 through my American Express Gold Credit Card for the amount {$4600.00}. Unfortunately I lost the watch during my day off while visiting the mall. After I researched on the American Express website, I managed to find that my credit card offers a service called purchase protection. I filed a claim with AMEX within the purchase protection window outlined in the credit card agreement. I also double checked that my current situation qualified for this benefit. When I first filed the claim I provided all the information required, at first my claim was denied. I appealed the case and provided more information and proved everything that I was qualified and I was within my rights. I was put through multiple loops of unhelpful customer support calls and emails which neither of those were returned to me on timely matter ( around 3-4 days delayed ). This is a complete violation of my rights and our agreement with American Express. In addition, it is a terrible customer service which makes me to be pushed away from this company when they don't even have the minimum decency to reply on time to such an important matter to their customers. Amex promotes such cool services for their premium credit cards but don't follow through and violate customers ' rights. 
I am completely disappointed with Amex and their brand for promoting protecting their customers because they surely didn't protect me.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (NH)

We applied and were approved for COVID forbearance. PNC bank has acknowledged this. PNC has since reported those payments as late. You will see that the payments listed as late occurred during the peak of COVID and before and afterward our payment history has been perfect. PNC continues to refuse to reported updated credit information to the credit bureaus and as a result continues to damage our credit numbers. This complaint applies not only to my credit report but to my wife 's. PNC 's failure to address this after two years, is unacceptable. I have called and written several times. My wife has submitted online complaints/disputes both at the creditor and the credit bureau . To date, these payments are still reported as late. 

We ask that the government require the creditor to remove any mention of late payments as well as any other derogatory reporting. 

Thank you
Consumer complaint received 2023-12-12
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. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-04-25
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. (FL)

I found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

My score was pulled from all three bureaus and it was reporting my student loan and now when its pulled it was wiped from my credit report and there is no score. I called the XXXX XXXX and they haven't stopped reporting my file to the credit reporting agencies. So I called to ask them what happened to my student loan they couldn't provide an answer because they are supposed to report what the creditor reports to the bureau and it is reporting accurately just not on my credit report.
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Property was Foreclosed while under protection of Active Bankruptcy Chapter XXXX I was in default on my mortgage due to unemployment. I filed for bankruptcy protection under Chapter XXXX. In XX/XX/XXXX, while in Chapter XXXX, my Bankruptcy attorney had a medical emergency and several of his cases including mine, slipped through the cracks and were dismissed in error on XX/XX/XXXX. An attorney stepped in and filed a motion to vacate the dismissal of the BK on my behalf. At a court hearing on XX/XX/XXXX the judge approved the vacating of the dismissal of the bankruptcy and the bankruptcy was reinstated. On XX/XX/XXXX Nationstar Mortgage, dba Mr. Cooper foreclosed on my property while I was still under the protection of the Bankruptcy stay. As of today, XX/XX/XXXX, I am still under the protection of the bankruptcy and they are proceeding with trying to evict me and they do not have a right to do that. Under the BK statute all attempts to collect a debt must cease. 
I am now employed and will be working full time and do not want to give up the home I worked so hard to keep.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NY)

Around XX/XX/2023, I tried to log into my Wells Fargo account to find that the account no longer existed. I was a little shocked because I received no correspondence that they have done anything to or with my checking account. When I found out about the account closure, it was too late to change my direct deposit to another bank. 

Wells Fargo " assured '' me that the money can not be deposited into a closed account and that the deposit would be returned back to social security. 

XX/XX/2023 is when I called social security and inquired about my payment. Social Security informed me that the money has been processed and that Wells Fargo has the funds. 

I called Wells Fargo at XXXX. They informed me they do not have the funds. 

Sorry, I believe Social Security over Wells Fargo. I need help in getting my money.
Consumer complaint received 2024-07-21
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-10-31
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)

My identity was stolen and I ended up with an excessive amount of inquiries on my credit report, some duplicates where I never applied for credit from any of these companies, nor did these companies have my permission to run my credit.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/23, I submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information reported on my credit report. I provided detailed information on the accounts and highlighted violations made against my consumer report. Attached below are copies of all letters sent. 

It has been more than 60 days since the disputes were submitted, and to date, there has been no response from any of the credit bureaus.

Specifically, I am concerned about the following violations : Violation of FCRA 623 ( a ) ( b ) : Failure to mark the disputed account as disputed, as required by the Fair Credit Reporting Act.

Violation of FCRA 605 ( c ) : The reporting period seems to be in violation, as the date of last activity on this account is not reflective of the last payment date, as it should be.

Violation of FDCPA 809 ( b ) : Continuous failure to validate this collection account, as confirmed by the FTC opinion, further violates the Fair Debt Collection Practices Act.

These violations undermine the accuracy and fairness of my credit report, and their continuation is concerning. I request an immediate and thorough investigation into these matters and the removal of inaccuracies as required by law.

Your urgent attention to rectify these issues and respond to my disputes is imperative. I anticipate your prompt resolution in accordance with federal regulations.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

From XX/XX/XXXX until XX/XX/XXXX my mortgage was covered by the state of Ohio program to help with mortgage payments during XXXX. My credit report shows my payments were 30 days past due then 90 days past due and then 120 days past due. The program I used for mortgage help through XXXXXXXX XXXX was responsible for the payments, which were paid monthly. This 16 month span of derogatory marks that were incorrect have made it nearly impossible for me to refinance my home or look for another mortgage for a new home.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NV)

At approximately XXXX XXXX XXXX XXXX XXXX XXXX, I signed onto the Western Union owned XXXXXXXX XXXX I arranged to send {$15.00} with a fee of {$3.00} ( total {$18.00} ) to my girlfriend who is XXXX at the present time. She was in need of some personal hygiene products. Her XXXX started and she had no money. Not that this matters, but it creates a natural sense of urgency response. Western Union didn't care and they have absolutely zero obligation to care. There is nothing illegal in not caring about another human being 's issues- maybe a bit immoral or inhuman. What is illegal is offering a service, selling said service, and then not performing said service. That is called theft. I am attaching the charge from my XXXX XXXX. There was no option to receive a receipt, invoice, quote, or any other proof of transaction from Western Union. All I have to provide is a transactional statement with Western Union 's name taking {$18.00} from my XXXX XXXX XXXX Yet they still refused to assist me in getting my funds.
Consumer complaint received 2023-12-12
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. (NV)

XX/XX/2022 I obtainted a XXXX XXXX Loan with XXXX credit which made a legal inquiry on my report, somehow, all these other inquiries were made which i did not apporve of, I have tried disputing these through the credit bureaus but not getting anywhere. 

- XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX, XXXX unsure why this is showing twice - XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-09
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)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-06-14
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. (FL)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-12-12
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 opted out of all authorization from XXXX XXXX XXXX XXXX. They are debt collection company which means the debt has already been charged off and paid to the original creditor. This is considered a certificate of indebtedness which is considered income and by law income can not be reported to my credit report. 

Privacy Act of 1974 " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (PA)

Today, I am filing this CFPB Complaint to notify you that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit https : //www.ftc.gov to file a report. According to section 605b of the FCRA, Credit Reporting Agencies are mandated to delete all accounts and information listed on an ID THEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in blocking the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I affirm that I did not open any of these accounts or give anyone permission to do so on my behalf. I am convinced that this is an identity theft case, and I am taking measures to report this to the authorities. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.
Consumer complaint received 2023-12-12
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. (FL)

I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the crdit bureaus, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Incorrect Information : XXXX XXXX XXXXXXXX, FL XXXX ; Accounts : XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX  Inquiry Date XX/XX/2023 XXXX
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 — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I was misled about my credit being run by Nissan XXXX XXXX, Through conversations it was understood that my credit was not to be ran. But it was several times. I connected Nissan about this and was told there wasn't anything they could do. Then a few weeks/days later they ran it several times again. I called them they responded saying they have 30 to run my credit. I demand my information be removed from their system.