davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-24
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. (DE)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und owing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT, As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit XXXX, XXXX  and XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2020-05-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

US Bank systematically is cheating its customers by officially offering a cash bonus in exchange for fulfilling certain conditions and after the conditions are fulfilled by the customer every effort is made not to pay the bonus, particularly and specifically claiming the promotional code " can not be found ''. US Bank twice in a row used this tactics with me, refusing to pay a bonus upon opening a checking and a saving account - even so in both cases the accounts were opened through a US Bank promotional web page with the promotional codes properly entered. 
About a year ago after opening a checking account and fulfilling my conditions ( direct deposit ) I was told the checking bonus XXXX {$300.00} XXXX would not paid because promotional code " can not be found ''. 
After exchanging a number of e-mails, additional attempts were made to claim every other condition " was not fulfilled '' - even so they all were, which I systematically proved. XXXX effort was made to avoid the payment and only after repeated complaints the bonus was paid - after delaying as much as possible - well past the deadline stated. That was a year ago. 
This year, I opened a savings account with a bonus promised XXXX {$200.00} XXXX - and after fulfilling all the obligations ( maintain the balance ) received the same answer - " no promotional code '' and the bonus would not be paid. 
This bank is taking advantage of the difficult pandemic times to avoid their obligations. Every effort has been made to avoid communication - the phones get disconnected after long wait, customer service hangs up on you, refuse to identify themselves fully ( XXXX, XXXX, no last name, no ID ), do not return calls as promised. I have spoken to a number of people who identified themselves an managers, promised to " investigate '' within 3-4 business days and never did anything, Among them XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) - both promised to " investigate '' - no response whatsoever. 
I HAVE ALL THE E-MAILS FROM A YEAR AGO AND NOW to prove they use this tactics systematically and repeatedly! 
This information should be made as public as possible so people stay away from this disgusting bank.
Consumer complaint received 2023-09-24
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. (SC)

In accordance with the Fair Credit reporting act XXXX XXXX XXXX has violated rights. *Experian* XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A states that 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 any written instructions.
Consumer complaint received 2023-09-24
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. (MA)

According from credit fair Act This credit has Violation my rights 15U.S. Code 1681 Section602 stated I have the right to privacy. 15u.s code section ( 2 ) 604 A This consumer agency can not furnish my account without written instructions. 15 U.S section 166B A creditor may not treat under open and consumer credit plan as late for any purposes
Consumer complaint received 2020-05-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (OK)

I have uploaded a credit report from XX/XX/XXXX showing the exact same collection with XXXX XXXX XXXX and the date of last activity with the credit grantor was XX/XX/XXXX, which means this collection was due to drop off this year in XXXX. It was apparently transferred to Commonwealth Financial Systems to start this all over again, which is against the Fair Credit Reporting Act. I have not had any contact with the original credit grantor since XXXX, so Commonwealth is not being honest with their previous response, which I included. I want proof from Commonwealth Finance of any updates to " reflect activities, such as balance changes, payments, disputes, closings, etc. ''
Consumer complaint received 2024-08-13
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. (TX)

I have pleaded to this company numerous times that this item is part of identity theft and is currently being investigated by law officials and they have purposely disobeyed my request to remove this account from my name. I have also asked for documentation and they also ignored that request. This company has blatantly violated my rights under FCRA 18 U.S. Code 1028A - Aggravated identity theft. 

Account # XXXX Open date XX/XX/year> Amount : {$7400.00} The credit bureaus have violated the following laws as well Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Per 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

These debt collectors are continually calling me, sending me documents in the mail for a debt. They are under the false impression that I have contracted with them for a debt that was discharged by another company. They purchased an old discharged debt and are sending me threatening phone calls and conducting Mail Fraud through the USPS for an invalid debt. They have no contract with me for any debt or credit and have not provided such proof when asked.

Per IRS rules any debt that is discharged is considered income and that is not reportable. These Debt buying companies have purchased these old discharge accounts and are trying to collect on a debt that is no longer valid. 

They are calling me daily multiple times a day and will not stop even after I have told them to not call me anymore, or communicate with me for a debt that is not mine. 

I submitted previous multiple requests for investigation and the Credit Reporting Agencies failed to conduct a proper legal investigation and simply reviewed information from XXXX and other agencies and did not properly investigate. They put false information on my credit report, not providing the required documentation of proof that there was a legal contract with actual wet signatures from BOTH parties to the contract for these debt collectors. There NEVER will be since I never signed any contracts with them, they are debt buyers.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, 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. (MS)

I'm filing this complaint due to Experian failure to provide my consumer report and reinvestigation results via United States Postal Service. I have notified Experian in writing to send my disputed results along with my consumer report via USPS.
Consumer complaint received 2020-05-16
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATION/XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-10-21
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. (MI)

There is information in my credit report. Another person named " XXXX XXXX '' keeps coming up on MY credit report file. I need this removed IMMEDIATELY. 

I have sent letters proving MY identity, emails, and EXPERIAN DOES NOT ANSWER THEIR PHONE. EXPERIAN and other credit report companies have so much POWER over citizen 's lives with CREDIT REPORTING, YET THEY DON'T EVEN HAVE ANY LIVE CUSTOMER SERVICE PEOPLE TO HELP WITH ERROR OR FRAUD!! 

I AM GOING TO SUE THEM IF THEY DO NOT FIX THIS ON MY CREDIT REPORT IMMEDIATELY!!! 

XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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: NAVY FEDERAL CREDIT UNION (FL)

In accordance with the fair credit Reporting act Navy Federal Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (OH)

I took inquired about a loan for {$1000.00} and was approved and sent the funds before any information was given on the actual amount due for repayment. I was unable to login on their website until the day repayment was due. This is where I finally was able to see how much they would deduct biweekly and finally able to see the interest rate charged. The interest rate they charged is 689.99 % for {$1000.00} loan. I was completely blindsided and never thought charging so much was even possible or legal.
Consumer complaint received 2022-05-01
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: Upstart Holdings, Inc. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-09-08
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. (TN)

I have submitted a letter from XXXX that shows that they submitted a request to all three major credit bureaus to remove the bankruptcy. None of the three have removed the bankruptcy. In addition, there never was a bankruptcy and the XXXX  XXXX XXXX  could not have charge off an account in bankruptcy that did not exist. To further the conspiracy XXXX  has been blocking my account so that my recent credit cards can not report. XXXX XXXX  and XXXX XXXX banks are two of the four that have been blocked.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (CO)

On XX/XX/2022 I received a request for money for {$760.00} I contacted PayPal business ask them to close my account because my account has been fraudulently accessed they refuse to on XX/XX/XXXX I received another request for money for {$500.00} for an XXXX gift card I called PayPal they refuse to deal with the situation to either freeze my account or close my account also in the past I have received several requests for {$800.00} in XXXX PayPal has refused to address the issues even though I have forward the emails and contacted them every time I want my account closed I am being scammed
Consumer complaint received 2021-05-01
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX RE : Transunions failure to physically verify the originally signed consumer contract of the three below fraudulent accounts, has hurt my ability to obtain credit. 

To Whom It May Concern : TransUnion This letter is to inform Transunion that you are reporting inaccurate and incomplete credit information on my Transunion credit report. 

Listed below are the three fraudulent accounts that must be removed from my TransUnion credit report. These accounts were also, removed from my XXXX  and XXXX  credit reports which I have attached. 

1. XXXX XXXX  Account # XXXX {$1800.00} XXXX XX/XX/XXXX 2. XXXX Account # XXXX - {$1900.00} - Open XX/XX/XXXX 3. XXXX Account # XXXX - {$16000.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post to my Transunion credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. 

Transunions failure to physically verify the originally signed consumer contract of the three above accounts, has hurt my ability to obtain credit. 

Under the FCRA, if Transunion is unable to provide me a copy of verifiable proof, you must remove the accounts listed above ; as they were opened fraudulently in my name. I XXXX XXXX demand that the above accounts be removed from my Transunion credit report immediately ; as they were removed from my XXXX  and XXXX  credit reports. 

Transunion, must reflect and maintain an accurate and complete credit profile identical to XXXX  and XXXX  credit reports. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My XXXX loan with XXXX was paid off on XX/XX/XXXX by the US Dept of Education. It has been over 6 weeks and my loan is still showing up on my credit report when it was paid in full over 6 weeks ago. This is damaging my credit score which is impacting my ability to obtain better interest rates, as I now show two student loans ( one with XXXX and one with US Dept of Ed ) on my credit report when I only have one loan with Dept of Ed. I emailed XXXX about this on XX/XX/XXXX and they have done nothing to notify the credit agencies that my loan with them was paid in full.
Consumer complaint received 2022-06-24
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. (AL)

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX, U S Dept of Education Account 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 2021-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I entered the forbearance program last year and finished it and made 3 consecutive payments as they offered me a loan modification and told me not to make a payment until paperwork was complete. Called me after 3 months and gave me info on the offer which i declined a 40 year refinance at same interest rate and I only have about 25 years left. That put me paying around XXXX on a XXXX balance. Since I declined offer that put me in default and now im six months because they continue to tell me to not make a payment because they are still working on paperwork and the cares act is not over. They have even returned a payment to my bank. 
Alao send people out to take photos and will not release insurance claim money that was paid due to damage during the Texas freeze. My hands are tied.
Consumer complaint received 2024-10-14
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. (KY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-12-07
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: Resurgent Capital Services L.P. (IL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has Violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.