davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (MN)

I submitted the files requested by Experian by mail and fax to dispute the inaccurate reporting they continuously allow. An FTC report was submitted, a 609 dispute letter was submitted, as well as a verification of investigation dispute. According to the Fair Credit Reporting Act, federal law gives ( 30 ) thirty days to re-investigate and delete any inaccurate or unverifiable information. Experian has exceeded the allotted time to handle this inaccurate reporting and hasn't handled the manner in a professional or legal manner.
Consumer complaint received 2022-04-17
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX - XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights.

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
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CA)

Dear CFPB, About 10 months ago I was a victim of identity theft and went through all required procedures to protect myself. I filed a police report and FTC affidavit and notified all XXXX credit bureaus who shared the information with each other for my protection. After 6 months of working with the police everything was back to normal. Since fraud alerts make every financial transaction regarding credit or employment very sensitive I sent official letters to each agency with my passport scan and social security card scan along with employment identification making an official request to have the fraud alerts and security freeze removed. To my surprise only the XXXX agency has complied. There is still a short statement on my XXXX report and lengthy comment on Experian with 90 day extension. The exact opposite of what I legally had requested removed under federal rights! I want these statements removed! Their inability to listen and follow instructions caused problems for me today during a particular transaction so this is it. I have attached a letter which was sent out in XX/XX/XXXX ...
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DPT/ED/XXXX  XXXX XXXX or XXXX DPT/EDXXXX  XXXX XXXX or XXXX or XXXX or XXXX DPT/EDXXXX  XXXX or XXXX or XXXX DPT/ED/XXXX XXXX XXXX XXXX or XXXX DPT/ED/XXXX XXXX XXXX or XXXX or XXXX or XXXX DPT/ED/XXXX  XXXX or XXXX or XXXX DPT/ED/XXXX XXXX3800.00} XXXX XXXX or XXXX or XXXX or XXXX DPT/EDXXXX XXXXXXXX or XXXX or XXXX DPT/EDXXXX XXXX XXXX or XXXXor XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 's are listed above, has violated my rights. 

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 an account without my written instructions. 

Previous claim with CFPB, claim # XXXX, XXXX deleted the account. I have attached a pdf file with the XXXX credit report of the disputes, which proves the deletion of an account from the same company.
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Previous complaint was unresolved. Account is listed as current, but I am unable to manage online. Payments are going through their collection office even though account is not in collection. Then they raised the interest rate without my knowledge from 12-13 % to 30 %. Calls, chats and emails are like chasing a cat. Collection office ( while not in collections ) says talk to customer then customer service WILL NOT HELP or answer the questions. TOTALLY BEING STONEWALLED. I want out of all business with HSBC and they will not entertain an offer to settle the account either. Saying that I have to be delinquent. Its an absolute JOKE. VERY FRUSTRATED
Consumer complaint received 2022-03-18
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. (CO)

In accordance with the Fair Credit Reporting act, 1. XXXX - US BANKRUPTCY COURT-DALLAS ; 2. XXXX XXXX  XXXX XXXX 3. XXXX - XXXX XXXX  4. XXXX - XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX - XX/XX/2022 9. XXXX  XXXX XXXX XXXX XXXX XXXX  has violated my rights 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 an account without my written instructions.
Consumer complaint received 2022-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights.

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 written instructions.
Consumer complaint received 2022-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upgrade, Inc. (NJ)

XXXX XXXX XXXX, I received communication from UPGRADE INC. via email. UPGRADE made deceptive material representations to try and induce me to enter into paying an alleged debt in the amount of {$660.00} reference to obtaining a good standing in credit worthiness and reputation. Furthermore, they stated the 7 year charge off would only be irreversible if I made a payment. They violated 15 usc 1692 ( e ) ( 10 ) - for the false representation deceptive means to collect or attempt to collect this fraudulent debt. UPGRADE violated 18 usc 894 with criminal acts of extortion and extorting me of my extension of credit and collecting a total of {$2400.00} from XX/XX/XXXX to XX/XX/XXXX. UPGRADE abusive acts took unreasonable advantage of my reliance upon them to provide a service to me in good faith on my behalf per 12 CFR 5531 ( d ) ( c ). instead I be came a victim with injuries of their fraud and unfairness. They furnished deceptive form and promissory notes and sold them to XXXX XXXX XXXX to attempt to collect on a fraudulent alleged debt.
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CO)

In XXXX, I disputed an entry on my Experian credit report for a previous mortgage I had with XXXX XXXX XXXX. The entry reports a 30 day late for XXXX & XXXX which are incorrect. The mortgage was paid off XXXX when the home was sold. Supporting documentation was sent certified mail to Experian on XXXX separate occasions ( again in XXXX ) proving the loan was paid off and the entries were invalid. Both times Experian returned the results as being confirmed by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX about the issue who advised they only reported the loan being paid in full for XXXX and there was no payment status reported for XXXX or XXXX. XXXX XXXX XXXX agreed to send a letter advising the there were no late payments for those XXXX months. Due to the errors in my credit report I am unable to close on a new home until the report is corrected. Both XXXX and XXXX report the trade line correctly, but Experian refuses to correct the entries even with supporting documentation and a letter from XXXX XXXX XXXX confirming the entry is invalid. I would just like my credit report corrected to reflect the correct information so I can close on my new home. Any assistance you can provide with this matter would be greatly appreciated
Consumer complaint received 2022-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have told these people many times that they are reporting inaccurate information on my credit report. I have told them different laws that they are breaking and they still have not done a thorough investigation into this information. If this continues, I will seek monetary compensation for the pain and suffering that this is causing me as well as for every FCRA and FDCPA law that they are violating. Please remove this account completely from my consumer report immediately. XXXX has already removed it.
Consumer complaint received 2022-04-17
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. (TX)

I noticed unauthorized account on my credit report. Someone else applied in my name According to the FCRA this Unauthorized and unverified account must be removed immediately. XXXX  XXXX XXXX : Account # XXXX Date opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) I also notice an unauthorized inquiry that i didn't approve XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I submitted a dispute letter to Experian regarding inaccurate information contained in my credit report. I authored the letter on XXXX/XXXX/2015 and sent the letter certifed and return receipt via US mail. On XXXX/XXXX/2015 I received a letter from Experian dated XXXX/XXXX/2015 stating they have determined the dispute was suspicious and not sent by me, a violation of the CRA. Experian has refused to conduct an investigation of my dispute within 30 days, due to inaccurante information contained in my credit report. I was denied a refinance of my mortgage, inorder to save in PMI of {$480.00} a month. 
Here are the accounts I have disputed : XXXX XXXX - Account # XXXX. Late reporting is not correct. 
XXXX Bank - Account # XXXX. Reporting status is not correct. 
XXXX XXXX - Account # XXXX. Incorrect late dates and amounts. 
CAP XXXX - Account # XXXX. Late reporting not correct. 
XXXX XXXX - Account # XXXX. Late reporting not correct. 
Please investigate and provide me with results.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

Remove all information reporting from XXXX and the settlement XXXXXXXX XXXX XXXXXXXX states. Also remove inquiries on Equifax and XXXX. 

XXXX XXXX ( Finance ) XX/XX/XXXX Based on your XXXX report on XX/XX/XXXX Inquiry details XXXX XXXX  ( Finance ) XX/XX/XXXX Based on your Equifax report on XX/XX/XXXX Inquiry details EQUIFAX MXXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian Credit reporting bureau without my verbal or written consent continuously report information that is inaccurate and that I've requested to be removed, the item that was requested are spam inquires, unverified collections and closed accounts. I've research the violations being performed against me under the { FCRA } Fair Credit reporting act : 1. U.S. Code 1681n - Civil liability for willful noncompliance 2. Section 623 ( a ) ( 3 ) 3. Section 609
Consumer complaint received 2024-03-12
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. (TN)

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile below. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified with out the original document supporting the verified account. 

It is also my understanding that under the FRCA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely Deleted. 

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise NOT PROVEN COMPLIANT to regulatory Federal reporting laws and or standards and MUST be removed immediately the infractions are as follows : Address : 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 Violation : FRCA USC1681 By the provisions of the FRCA ACT and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 Compliance regulations, I demand thatches above mentioned derogatory items be investigated and permanently REMOVED FROM CREDIT REPORT. 

Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.
Consumer complaint received 2022-04-17
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. (OH)

In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. These accounts are reporting inaccurate! 

XXXX XXXX XXXX -- -- {$480.00} XXXX XXXX -- -- {$85.00} XXXX XXXX XXXX -- -- {$58.00} XXXX XXXX XXXX -- -- {$59.00} XXXX XXXX XXXX -- -- {$140.00} The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate.

This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by XXXX. I tried to purchase a XXXX bureau credit score by XXXX but instead they send me a copy of my credit report which I already have from the mortgage company. XXXX has a policy that if you purchase a XXXX time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither Experian nor XXXX scores are available. I would be able to get a better rate if those other scores were available. We tried XXXX ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX!! 
The agent at XXXX said he can see my score. But when I tried XXXX, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON XXXX to purchase such a score for such a price. To date I am still unable to get my scores
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a balance transfer with Capital one. The money was supposed to be sent from Capital one to XXXX. They made the mistake and sent the XXXX dollars to another bank : XXXX XXXX, to a non-existing account because there is no existing account with that number, and I don't have an account with that bank. Capital one told me it was cashed and that they cant give me my money back. We got on 3 way calls with XXXXXXXX XXXX, faxed them a copy of the check that capital one sent and confirmed they recieved the fax and were going to send the money back, capital one said to send it directly to me. Then i call XXXXXXXX XXXXk and they dont know what to tell me since I dont have an account with that number and that any checks they send directly to the banks. I call Capital One and then they tell me that they havent recieved anything. I called multiple times and even one member almost started crying saying they dont even know what to do and it might be XXXXXXXX XXXX Problem. Then she goes and tells me, that actually it was all their fault and the problem couldve been solved since XXXX because it was actually never cashed out and that they were going to give me my money back for any monthly payments I made, and that it should process within four days, to see no balance from that balance transfer on my account and recieve my money two days after that. I call again within that time and they tell me I actually have one to two cycles before it processes and that I have to pay those months. I call within that time and they act as if no notes were written about my account, and that they cant find those notes. I took the names of everyone i spoke to and im so frustrated because Im XXXX XXXX in college and can not afford to pay something that I shouldnt even be paying for, its messing up my credit, it wasnt my mistake and Capital one has been the worst experience ever. They hung up my call. They hung up my call, put me on hold for 10 minutes then hung up.
Consumer complaint received 2022-04-17
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right of 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.
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Shellpoint is violating the Bankruptcy Plan in law and in intent by claiming back payments immediately due. Shellpoint did not restate the mortgage loan as put forth in my approved bankruptcy plan 10 years ago.

We tried to have Shellpoint correct these issues several years ago ( 2015 ) when they also filed a Notice of Default and Intent to Accelerate. I paid and continue to pay legal fees as a direct result of Shellpoint 's actions.

Recent mortgage statement ( attached ) claims incorrectly that I have an unpaid balance of {$74000.00}. This is not correct.

On this statement, Shellpoint is charging {$100.00} for a BPO, and {$98.00} for a late charge on payment you received. These and all other inappropriate fees should all be reversed.

Shellpoint just returned my regular monthly check ( see attached ). This is improper, violates my bankruptcy plan, and can be seen as an effort to put me in default. Shellpoint just sent a new Notice of Default and Intent to Accelerate, bas
ed on payments not made during automatic stay in bankruptcy 10  years ago, violating my bankruptcy plan.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I got approved for XXXXXXXX XXXX  credit installment payment plans ordered some shoes got those but they then denied me service because of my credit report after they approved me for credit installment plans I've been making my payments on my shoes on time I feel like this is discrimination because I have a fraud alert and my credit locked on my credit report because I keep getting inquiries on my credit report that are not any of my knowledge I feel like I'm being judged because someone has stoley information and identity that I can't get any credit cards loans or anything because of that I feel like I'm being punished for something that was not in my control
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX, Experian and XXXX all reported incorrect information on my credit report. According to the Fair Credit Billing Act the credit agency must contact me ( call, write, e-mail ) within 5 business days before placing any negative items on my credit report. In them not doing so, it is a violation of compliance.