davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I've made a written request to have Experian ( XX/XX/XXXX ) validate false information on my credit report that they prepare. I received a letter saying my letter was suspicious and they can't verify my identity or could be a 3rd party. I sent in my DL, Lease, electric bill, and XXXX ( photo copies of all these documents ). Next, I called on Wednesday XX/XX/XXXX between XXXX XXXXXXXX XXXX est. The representative told me that they are not processing mailed complaints and I have to either do it by phone or email. I explained that was not true. I read the FTC which recommends making complaints in writing, because you can not verify what is said on the phone and I was told by an attorney that if you do it online, you have to agree to there user agreement and could limit legal actions. I asked why my letter was suspicious can't be verified. He stated they do not respond to mailed letters and send this response to all people. I asked to speak to a supervisor. He put me on hold for over 20 min, then said it would be a little longer. I waited for another 5 mins, when he returned he said all supervisors were busy and asked me for my phone number and a supervisor would respond within 24 hrs. I waited until Friday and never received a call so I called again. I spoke with a supervisor who could not confirm or deny this process. I explained I used a letter format directly from the FTC website, and wanted to know WHY they don't believe this letter was sent from me. She said once they sent an email to me the letter is discarded, so she couldn't tell me. I've spent my personal money to send this letter and demand to know what Else I could send to verify my information. She couldn't tell me, so I asked ; If I send the same information as listed on the Experian website I should expect a different result. That doesn't make since and I don't have money to waste if they just decide they don't want to investigate my case. They are violating my FCRA rights, by refussing to remove this information. It specifically states they need to complete an investigation within 30-45 days.
Consumer complaint received 2023-11-17
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: Experian Information Solutions Inc. (NY)

These accounts have incorrect information 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 2023-11-17
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. (NY)

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX , NY XXXX ; XXXX XXXX XXXX  XXXX, NY XXXX ; XXXX  XXXX XXXX Balance : {$70.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-17
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)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

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 2023-11-17
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (NJ)

I had to go into a forebearance during XXXX in XXXX of XXXX, I did so on 3months of my mortgage payments. I was then offered a partial claim with a loan modification to get my loan up to date. This process started in XX/XX/XXXX. At this time my new mortgage payment was to be {$940.00}, my original payment was {$1000.00}. I spoke at length with a XXXX, initials XXXX regarding all of my new terms and why my mortgage was a new lower monthly payment. XXXX informed me that when they went to do my partial claim they realized I was also eligible for a modification with a new rate of XXXX bringing my new mortgage payment to the {$940.00}. I then signed my packet, had it notarized and sent it in. I then received the partial claim papers with terms but the modification portion was not upheld. I called and spoke with XXXX who assured me the new lower payment was in fact what I should be paying and that she would investigate this error. Many months and many hours trying to get an answer and this issue rectified and I am still waiting on this explanation. I then got a hold of a XXXX, XXXX XXXX and we spoke hours and shared many emails. XXXX informed me she was escalating this issue and would let me know. It has been over a year at this point and my emails to XXXX have now gone unanswered. I am beyond frustrated and I am seeking not only an answer but I want my modification to be upheld, as I have the letter and signed documents agreeing to the new payment amount. It seems to me that once my partial claim was paid out, Cross Country Mortgage cares less about my modification terms. I have diligently tried to get at least an explanation, XXXX and XXXX have never bothered to supply me with one and have not returned an email since XXXX of XXXX.
Consumer complaint received 2023-11-17
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. (TX)

To Whom It May Concern, I am writing to file a formal complaint against XXXX for their failure to respond in a timely manner to my debt validation request concerning the XXXX account number XXXX. This account is associated with a case of identity theft, for which I have previously submitted a detailed report. 

I sent a debt validation letter to XXXX, as per my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that such inquiries be addressed within 30 days. However, more than 30 days have elapsed without any form of acknowledgment or response from XXXX. 

This delay is not only frustrating but also deeply concerning, given the nature of the issue at hand. The account in question is involved in identity theft, a matter that requires prompt and serious attention. The lack of response from XXXX has caused significant stress and uncertainty, exacerbating the already challenging situation of dealing with identity theft. 

I have attached a copy of the original debt validation letter sent to XXXX, along with the identity theft report for your reference. I urge the CFPB to intervene and ensure that XXXX adheres to its legal obligations under the FCRA, providing a prompt and appropriate response to my request. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer. 



Enclosures : Copy of Debt Validation Letter sent to XXXX Copy of Identity Theft Report
Consumer complaint received 2023-11-17
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)

I discovered 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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. (NJ)

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-08
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. (CA)

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. This inaccuracy is causing me significant financial distress and need immediate attention. I kindly request that you investigate and, if necessary, remove this item from my credit report. 

XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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)

All three credit reporting agencies dropped my credit rating by XXXX points because of credit cards issued for 0 % loans on one off purchases. In the case of XXXX XXXX, it was a Heating and Air Conditioning for a home, and for XXXX XXXX, it was a XXXX XXXX XXXX. The credit reporting agencies treated these transactions as maxed out credit cards and proceeded to penalize me by substantially reducing my XXXX scores. Why weren't these long term 0 % loans reported as installment loans. The system of credit reporting relies on a XXXX company, as gospel in the industry. I believe that the XXXX XXXX model is flawed because it does not take into account situations as stated above.
Consumer complaint received 2024-04-16
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 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 2023-11-17
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 2023-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BAM Management US Holdings Inc. (MD)

CFPB, I stopped using the Binance US platform in XXXX because of fraudulent issues reported to CFPB in Complaint # XXXX and Complaint # XXXX. Binance US never resolved Complaint # XXXX and Complaint # XXXX so I lost money and discontinued my use of the Binance US platform in XXXX . 

On XX/XX/XXXX, I received bill collections notice from XXXX XXXX XXXX , XXXX ( collections agency ) stating I owed Binance US {$230.00}. I didnt owe Binance US any money when I stopped using their platform and I have never received a bill from Binance US stating I owed money. I reached out to XXXX XXXX XXXX , XXXX to let them know I do not owe Binance US money and that I have never received a bill between XXXX and XX/XX/XXXX stating I owed money. Binance US is using its access to US customer information to fraudulently request payment for money that is not owed. Any assistance would be appreciated. 

Binance US User ID : XXXX XXXX XXXX XXXX , XXXX Reference Number : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Monday - Friday, XXXX XXXX  - XXXX XXXX  PST Saturday, XXXX XXXX  - XXXX XXXX  PST XXXX : XXXX Thank you, XXXX XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Lenders have pulled my credit report multiple times and due to which it has resulted in hard inquiries on my report which I never authorized or never have even applied for any of their products. I have the following hard inquires that have taken place due to me being victim of identity theft with following credit bureaus : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these ACCOUNTS ( A ). It is not permitted to report these ACCOUNTS as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-11-17
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right 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 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. '' DEPT OF EDXXXX 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 consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' DEPT OF EDXXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, DEPT OF EDXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC (CA)

I had a car loan with a remaining balance of over XXXX XXXX dollars. The loan was in the process of being paid off by my insurance company due to a car accident ( where I was not at fault in anyway ). The accident happened XXXX of this year. My insurance company sent over a check for over XXXX XXXX dollars. There is a remaining balance of XXXX on the car in which GAP insurance is covering. 

The issue is they have reported my car to the credit bureaus as late and a charge off with balance. This in turn has dropped my credit score.

I reached out to the company and they will not remove the negative late payments and charge off even though the loan is pretty much paid off.
Consumer complaint received 2023-11-17
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.