davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (IN)

I am filing a professional request related to the Fair Credit Reporting Act and Experian 's handling of a dispute. It is of utmost importance that this situation be investigated by you in an unbiased and timely manner, taking all relevant parties into consideration. As I have concerns over how the dispute was handled, I would highly appreciate it if you could look into it as soon as possible. Your attention to this matter is greatly appreciated. Thank you for your time. 

On XX/XX/2023 I submitted a dispute to Experian via certified mail. The 24-page document included the dispute for 8 unverified and inaccurate items as well as copies of my Indiana driver 's license, utility bill, social security card, and a sworn notarized letter.The dispute was signed for on the XXXX of XXXX @ XXXX XXXX. However, two days ( XX/XX/2023 ) later I received an email from Experian declining to process said dispute due to them believing it wasn't filed by me. Experian while stating the information sent was not by me, validated that it was indeed sent by me, by sending an email to my email address. This is not the first time that They have declined to properly handle my disputes, even though all information they have requested has been provided.
Consumer complaint received 2020-12-18
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: Experian Information Solutions Inc. (CA)

I NEED THE CFPB 'S HELP. I 100 % feel neglected by XXXX, Experian, and XXXX. I have sent all of them a letter including all the accounts that were unverifiable, invalidated, inaccurate, and questionable. I still have yet to receive a response.It 's been over 60 days. I need the accounts to be deleted immediately. All three bureaus are in violation of the FCRA.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (MA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (MS)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$990.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-10-09
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: EQUIFAX, INC. (UT)

I pulled up my credit report and found an inquiry from a company I never heard of before. I had no business contact with this company. I have no idea who they are. I didn't give my permission to do an inquiry. This is fraudulent and they may be checking for theft of credit information by XXXX.This has caused a 6 point  drop on my Eqiufax Credit Report Score on XX/XX/XXXX.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (WA)

I signed up for Experian Boost on XX/XX/XXXX and have since disconnected the service. I have also tried to unsubscribe from their marketing emails- and there is no way to unsubscribe. This is the message at the bottom of the email instead of an unsubscribe option : " Why am I receiving this email? This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian CreditWorks Basic emails in the past, dont worryyou no longer receive newsletters or special offers. You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but youll continue to receive notifications like this one on the status of your account. 

This particular email that I just cut & pasted the message above from was asking me for a review. I've also received credit card offers and other emails begging me to add onto their services ( such as a dark web scan ) - when all I want is for these emails to stop. Its WRONG for them to be able to send marketing emails anyway - after labeling them 'status of your account ', when that isn't true. We should be able to unsubscribe from ALL of their communications, especially marketing stuff like this.
Consumer complaint received 2019-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion are reporting 90 plus days late on the XXXX/XXXX account number XXXX. The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Consumer complaint received 2023-03-21
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX Balance {$9500.00}
Consumer complaint received 2023-03-21
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. (MD)

In accordance with with the Fair Credit Reporting Act : The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account name : # XXXX XXXX Account number : # 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 states : A consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) section states : 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 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this 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. 

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 these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but XXXX isnt doing its job according to the law.
Consumer complaint received 2023-03-03
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. (VA)

I contacted the companies and the bureaus and asked for them to be removed and they have not been removed yet. 
Account opened XX/XX/XXXX in the amount of {$530.00} with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1000.00} XX/XX/XXXX
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

I have been in dispute with Goodyear since XX/XX/2018 regarding late fees and interest. I had no idea I would need a new tire when I walked into XXXX XXXX, therefore I didn't have the money or a credit card on me for the purchase. I accepted XXXX XXXX 's offer for a Goodyear line of credit since XXXX XXXX told me It was urgent to get a new tire in fear of mine having a blow out if I continued to drive on it, so I accepted the line of credit. I didn't receive any statements in the mail from Goodyear until about 3 months after I got the tire replaced and in that statement I had 3 months of late fees and interest that had been added to my original tire purchase. I Immediately called Goodyear to explain that this was the very first statement I had ever received from them. The representative I spoke with told me to pay the minimum balance due which was {$100.00}, even though my tire was only {$84.00}, and he would request remaining late fees and interest removed, never heard back from him, instead received another statement a few weeks later with more fees added. Immediately called again, explained situation, and was given information could address with Citibank which I did in writing. I've mailed letters to Goodyear and Citi Bank ( the bank they use ) addressing the issue multiple times and instead of replying to me they sent me to a collection agency, continued to charge me each month following my payment, and closed my account, even though I paid my purchase and additional charges were in dispute. The original balance was {$84.00}, I have already paid {$100.00}, well over the amount owed and now from the continuous charges each month I owe {$400.00} as of XX/XX/XXXX. 

I need help getting these fees removed.
Consumer complaint received 2023-03-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have had a XXXX XXXX membership charged to my business credit card monthly since XXXX. I did not signup for this membership. I have contacted XXXX four times. They say they will investigate but then I dont get a response. Lastly, they said they could the the charge to my card each month but couldnt find an account linked to charge and told me to contact XXXX to credit back and stop future charges. I have called XXXX 5 times and thoroughly explained the fraudulent charges. Two weeks ago they assured me all charges would be removed. But, charges are not credited and I have another monthly charge in this statement. Now XXXX  tells me XXXX has to fix. They each say the other has to fix. BUT NO ONE IS CORRECTING THIS AND IM BEING CHARGED!
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute the accuracy of information being reported by XXXX XXXX XXXX XXXX on my credit reports with XXXX and Experian. The inaccurate reporting by XXXX XXXX XXXX XXXX has led to significant discrepancies on my credit reports, negatively impacting my creditworthiness and financial standing. 
The account in question, XXXX, was charged off by Experian and XXXX in XX/XX/XXXX. Despite being charged off, the account has been consistently updated as charged off every month since then, leading to a decrease in my credit score on XX/XX/XXXX, with XXXX reporting a decrease of -20 points. The account was charged off XX/XX/XXXX- XX/XX/XXXX then back in good standing XX/XX/XXXX- XX/XX/XXXX ( how is this accurate if the account was charged off ) This is inaccurate. 

It is important to note that a charged-off account should not include a payment history, yet my credit reports reflect a payment history associated with this charged-off account. Furthermore, the credit utilization ratio reported by XXXX and Experian is inaccurately reflecting 121 % utilization. Additionally, there are discrepancies in the reporting of late payments associated with this account. XXXX reports 90-day late payments with inaccurate dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, while Experian reports 90 days late payments with inconsistent dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The inaccurate charge-off reporting by XXXX XXXX XXXX XXXX falsely manipulates the statute of limitations and violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to rectify these inaccuracies, XXXX and Experian have failed to properly investigate this account, thereby exacerbating the adverse impact on my credit profile. XXXX is even reporting the last activity date for this account to be XX/XX/XXXX which would be inaccurate from the charged off date. 

According to the IRS and unpaid charge off is income and according to the FCRA income can not be report on a credit report. I am requesting a 1099-C ( Cancellation of debt ) from XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2023-03-21
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (KS)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (NV)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Date:02/23/23 I looked at my credit report because I have huge goals. I am looking to Buy my first house. I wanted to make sure everything was reporting 1 00 % correct AND everything was accurate. Can you reinvestigate the completeness accuracy of the list of accounts below. 

Account name : XXXX XXXX account Number : XXXX investigate the completeness accuracy of every piece of information If its not accurate, please remove it from my credit report. 



Account name : XXXX XXXX XXXX Account XXXX : XXXX investigate the completeness one! accuracy of every piece of information If its not accurate, please remove it from my credit report. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

Today being XXXX I received another call at work today atXXXX from XXXX which is Bayview and I have now been warned by my employer that continued personal calls will cost me my job since back on the XXXX of XXXX XXXX told me that they were removing my number. If I lose my job I will be unable to make the house payment all because of Bayview calling me at work and breaking Colorado Law as well as Federal law with calls at work.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

Attached is a copy of my ( 1 ) Social Security Card with correct name and my Drivers license with correct address ( 2 ) Divorce Decree ( 3 ) Copy of Experian Personal Information report Please correct my Personal Information Name field to reflect my correctly spelled legal name : XXXX XXXX ( only ) and the Addresses field has XXXX addresses listed that are incorrect. I have never lived at : 1. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and the Addresses field has 2 duplicate addresses. Please delete address identification numbers : a ) XXXX ( XXXX XXXX-Residence type : Multifamily ) b ) XXXX ( XXXX XXXX XXXX XXXX Residence type : Multifamily ) Spouse or Co Applicant field : Remove XXXX ( attached divorce decree ) Telephone numbers : Delete XXXX ( my xhusands cell number ) Delete XXXX XXXX ( residential : I do not know this number )
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this items and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this items ASAP. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and U.S. Bankruptcy Court XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXBankruptcy XXXX XXXX