davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
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. (WA)

XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX and is a violation of my right to privacy because I didnt give them permission to report it publicly.

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX and I didnt give them permission to do so.
Consumer complaint received 2024-09-01
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. (PA)

Hello my name is XXXX XXXX XXXX and XXXX noticed this problem on my credit report on XX/XX/year>. Please remove it from my credit report as soon as possible. Im a victim of identity theft and these accounts are not mine.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX  sold my mortgage to their sub-servicer, XXXX. My credit immediately dropped 15 points from XXXX and XXXX because it shows my mortgage as closed. I made a complaint with XXXX, all three credit bureaus, and consumer finance. I received a notice of remarks on my credit reports for XXXX  and XXXX, but XXXX  is the only one that went back to normal ( above XXXX XXXX. Now, Experian shows my credit dropping 30 points for the mortgage falsley being reported as closed!!! I'm now in a separate credit worthiness bracket!! This is unacceptable for a financial institution. Please correct this incompetence ASAP.
Consumer complaint received 2022-07-28
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. (AL)

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 n accordance with the Fair Credit Reporting act 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 my written instructions
Consumer complaint received 2021-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

For my XX/XX/2021 payment on my Bank of America Mortgage ending in XXXX, the payment was applied on XX/XX/2021, but then on XX/XX/XXXX, the payment was returned and I was charged fees. 

Why did they withdraw money on XX/XX/XXXX and return the payment for a payment that was processed on XX/XX/XXXX? I had the money in the account on XX/XX/XXXX, when the payment was processed, and it was withdrawn from my bank account.
Consumer complaint received 2018-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I needed to re-certify with XX/XX/XXXX XX/XX/XXXX once a year. I did the work this year and the number that was given to me for a new payment was over 150 dollars more than what I was paying. I called and asked why this happened and they said that I only claimed 2 in my household instead of 4 people. So, while waiting for the paperwork to be fixed my bill was due. I paid what would usually have been due. I contacted someone else once the paperwork went through and told them that they kept saying that I had not paid my bill but I had. The amount I hadn't paid was what I was charged because of the goof up in my paperwork. The person I talked to said that it would be taken care of. 2 months later I am still getting messages about how I need to pay this off. I have contacted the company several times but they have not gotten back to me. It was through email because rarely do I call places because my kids always decide they want to start fighting or asking me questions when I am on the phone. If they have an email section they should be returning emails. I feel the lack of responding to the situation is very unprofessional.
Consumer complaint received 2021-08-12
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: Experian Information Solutions Inc. (LA)

On XXXX, I filed a complaint # XXXX with the CFPB against Experian for failing to provide certified proof of alleged XXXX XXXX XXXX # XXXX. In Exhibit B you will find a copy of the CFPB Complaint. 

The alleged account ( XXXX XXXX XXXX # XXXX ) listed in Exhibit D is invalid, inaccurate, and carry no documented evidence of its existence. To the least, they have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable inquiries on my credit report. 

On XXXX, I received Experian Report # XXXX. I carefully reviewed your response to my CFPB complaint in which you stated The Company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. A copy of Experian Report # XXXX attached in Exhibit C. 

Your response to my complaint did not provide me with any certified proof on how you verified the alleged XXXX XXXX XXXX  # XXXX. I specifically asked Experian for certified proof that your office complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

Experian has a duty to verify the information as XXXX accurate. The FCRA also states that the consumer can demand that the credit bureau ( Experian ) provide certified proof that the information that they ( Experian ) publish or provide is in fact XXXX timely and accurate. 

Experian can not simply say that the information was certified. You must also produce said certification when I consumer asks for it, which is their right under the FCRA. 

Experians failure to provide this proof is a violation of the FCRA. Your failure to do your lawful duty is documented in my CFPB complaint and in your response to my complaint. ( Copied from attached Affidavit ) ****
Consumer complaint received 2022-07-28
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. (SC)

In accordance with the Fair Credit reporting Act the following information furnishers are violating my rights : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S. Code 1681 section 602 ( A ) States I have the right to privacy. 

15 U.S. Code 1681 section 604 ( A ) section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

The following fraudulent hard inquires are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave any of these companies consent or written permission to have access to my credit report nor to furnish information on my consumer report. 

According to 15 U.S. Code 1681 ( i ) ( 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 shall ( i ) promptly delete that item of information from the file of the consumer,
Consumer complaint received 2021-02-21
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: Waypoint Resource Group, LLC (WA)

WAYPOINT RESOURCE GROUP , LLC ( Opened XXXX XXXX, XXXX ) add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit
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. (FL)

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 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 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 2022-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

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.
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

" XXXX XXXX '' fake name from Genesis in XXXX NY calling me 3 times within 10 minutes from different numbers and calling very estranged family members who I haven't spoken to in years harassing them after already sending a cease and desist letter. Don't know who he is but very threatening and acting aggressive. Have already contacted attorney who has dealt with this company before.
Consumer complaint received 2022-06-09
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. (VA)

I sent out letters on XX/XX/2022. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days. 

XXXX Account, has violated my rights. 
XXXX  # XXXX XXXX # XXXX
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

This complaint is being filed against XXXX XXXX XXXX ( XXXX XXXX ), XXXX, at First National Bank ( FNB ). The home buyers used XXXX XXXX ( XXXX XXXX ) to obtain a mortgage for the property I was selling. XXXX XXXX ( XXXX XXXX ) provided a pre-approval level, mortgage commitment letter and the other milestones that occur during the home buying process. Unfortunately, XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) waited until approximately one hour before the scheduled closing on Tuesday XX/XX/XXXX, at XXXX, to request documentation that could have been provided during the five weeks prior to closing. The request forced the postponement of closing. For the next seven days, XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) proceeded to delay the closing by requesting new and redundant documentation that should have been addressed much earlier in the process. On Tuesday XX/XX/XXXX, my realtor informed XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) that they needed to make a decision so the buying and selling parties could proceed. XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) decided not to approve the mortgage, forcing the buyers to initiate the process with a new mortgage lender. The buyers were quickly approved by a different bank and the sale closed 24 days after the original closing date. As the seller, the delay cost me thousands in additional interest payments, lower pro-rated amounts, etc. The week of being held in limbo by XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) caused undue stress on the buyers, sellers and others involved in the process. If not criminal, the ethics of XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) are not conducive to reasonable levels of honesty, integrity or anything resembling a focus on customer service.
Consumer complaint received 2021-02-21
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. (UT)

Report Number : XXXX Date Generated : XX/XX/2021 I have submitted proof that this account has been corrected and submitted copies of a letter stating this has been settled. I have disputed with Experian numerous times and still I'm told this is accurate. This done by E-Oscar and not looked into by human eyes. I truly believe this has not been looked into properly I would like to have Investigation why they refuse to remove information when I a submitted letter showing this false information
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

A Bankruptcy showing on my report is in accurately reporting om my file and is not mine, i contacted the Bankruptcy courts and they said they did not furnish this information to Experian, XXXX, XXXX, i have uploaded my letter in regards to this file.
Consumer complaint received 2022-06-09
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report
Consumer complaint received 2019-10-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (HI)

Calling me frequently in the middle of the night most recently at XXXX XXXX XX/XX/XXXX. Waking up my baby. I told them to stop calling at those times and they still repeatedly did so
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A Bankruptcy showing on my report is in accurately reporting om my file and is not mine, i contacted the Bankruptcy courts and they said they did not furnish this information to XXXX, XXXX Transunion, i have uploaded my letter in regards to this file.
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (NC)

I wrote a letter disputing this debt information on XX/XX/2019 after having receive threatening aggressive collection call for the first time on Saturday, XXXX XXXX about the debt. Second, I receive a letter from same company dated XXXX XXXX that was dated XXXX XXXX. I requested the company for valid proof. The company mails me bills and does not provide proof of a signed agreement or other verification that this bill was open by me. Which this bill is incomplete, incorrect and I do not owe this company I never established service with this company.
Consumer complaint received 2022-07-28
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. (SC)

In accordance with the Fair Credit reporting Act the following information furnishers are violating my rights : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S. Code 1681 section 602 ( A ) States I have the right to privacy.

15 U.S. Code 1681 section 604 ( A ) section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

The following fraudulent hard inquires are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave any of these companies consent or written permission to have access to my credit report nor to furnish information on my consumer report. 

According to 15 U.S. Code 1681 ( i ) ( 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 shall ( i ) promptly delete that item of information from the file of the consumer,
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (MD)

Good morning, I check my XXXX XXXX status 2-3 times a month and am currently in the market to buy a home. I noticed that recently my credit dropped -XXXX points. when i logged into XXXX XXXX to verify the changes, i noticed that a credit adjustment company had re-opened a debt against me that had already been closed out for over 3 months. See breakdown below : XX/XX/XXXX - NCA/National credit adjusters removed debt and closed case. Credit increased +25pts ... .... 

XX/XX/XXXX - NCA re opens the same debt but classified as " new '' debt being reported. This is " Re-Aging '' an account which is illegal. I know this happened due to me attempting to re-finance my auto loan and was told my credit score was significantly lower than what i was aware of ... ... 

I did make a dispute via XXXX XXXX website and XXXX had reverted my scores back to where they should be but right now XXXX is still showing the incorrect score and the dispute made zero impact. I feel like NCA is re-again clients accounts for their own personal benefit and is not right and is illegal. My XXXX XXXX and credit report reflects that NCA did in fact close the account and re opened it as a " new '' debt months later ... ... 

I have tried to explain this to NCA with zero progress as they continue to lie to me claiming that they have been reporting this debt the entire time which is proved they are lying about reporting and re aging and dont care to fix their wrong doings.