davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-03-26
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. (GA)

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

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


n accordance with the Fair Credit Reporting act XXXXXXXX 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 2023-09-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Direct, Inc (OR)

My bank unilaterally instituted a {$7.00} " account maintenance fee '' effective in XX/XX/. My bank is associated with my mortgage originator, and pays extra principal towards my mortgage every month if I make my mortgage payment using this specific bank account. The bank refers to this extra principal payment as " Direct Rewards ''. This extra payment effectively lowers the interest rate of my mortgage loan. I would not have opened this account, and I would not still be using it, if I didn't receive the extra mortgage principal payment. The " Direct Rewards '' payment was a critical factor in my decision to choose my mortgage originator over other mortgage lenders. If the bank has the ability to effectively reduce the amount of the " Direct Rewards '' payment by charging an " account maintenance fee '', my mortgage originator, and my bank, obtained my business with a fraudulent misrepresentation. My originator and my bank both represented, in the form of charts covering the entire lifetime of my loan, that the " Direct Rewards '' payment would reduce my effective interest rate and the length of my loan, as well as the interest I would pay over the lifetime of the loan. When I specifically asked about the possibility of the " Direct Rewards '' amount changing, my mortgage originator told me that could not happen. I can find nothing in the terms of my mortgage loan or the terms of my bank account that would allow the bank to unilaterally institute any " maintenance fees ''.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Zarzaur and Schwartz, PC (LA)

I was informed that on two occasions collection letters were sent to an address that was unconfirmed and not provided to to this creditor/collection company ( Zarzaur & Schwartz PC ) by myself. These two letters were both received by employees of my employer that received these letters. This seems to be a blatant violation of the Fair Debt Collections Practice Act. It has been brought to my attention that both of these letters have information pertaining to a debt that they claim that I owe to XXXX, which is personal information sent directly to an address without verification of that address or that debt. Not only do I feel that not only did this company violate my privacy but also brought embarrassment and shame to my name as a result of their reckless practices.
Consumer complaint received 2023-01-11
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. (VA)

Hello I would like to see my original contract, pay off disclosure, interest rate disclosure, balance history, payment history, and credit insurance for all of the inquiries below.. Ive sent XXXX priority letters out to all of the credit Bureaus, stating inaccurate information on my credit report, and informed them to send me back proof of the accounts ownership and accuracy of them and I have not received anything back yet, 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 -- -- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results or the reinvestigation ; I also asked for them to send me the correct info back via mail and they didnt. This has ruined my credit for years now of inaccuracies and im ready for it to be properly handled, the accounts are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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)

According the the FCRA 15 USC 1681, everything must report with 100 % accuracy on my credit report. I sent a letter to TransUnion on XX/XX/22 asking them to " investigate every piece of information '' on the accounts listed below. TransUnion claimed that everything was ACCURATE. However, these accounts are still not reporting 100 % accurate because TransUnion did not do a proper investigation, as requested, per the FCRA. I feel like my disputes are not being taken seriously, and my federally protected rights are being deliberately violated.

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' TransUnion clearly did not do any of this.

15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) clearly states that if ANY items are found to be inaccurate or can not be verified the reporting agency shall promptly delete the information from the file of the consumer immediately. I will attach my previous letter to TransUnion AND I will attach my credit reporting showing the inaccuracies that are still reporting. TransUnion needs to follow the law and act responsibly, or we will seek litigation and {$1000.00} per violation for the immense stress they have caused me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNT : XXXX XXXX XXXX XXXX : XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Consumer complaint received 2023-04-06
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. (TX)

I am filing a complaint against Experian for failing to fix account XXXX XXXX XXXXXXXX by updating the On Record Until XX/XX/XXXX to the correct Purging date by using the Correct date of delinquency date XX/XX/XXXX as described in section 605 of the FCRA. 

XX/XX/XXXX XXXX XXXX had responded to my CFPB complaint # XXXX I had filed against them and they kindly provided me with the Date of First Delinquency on the original creditor account with XXXX XXXX  which XXXX XX/XX/XXXX. 

XX/XX/XXXX I made experian clearly aware that they are reporting a inaccurate purging date ( on record until XX/XX/XXXX ) on the account. 

XX/XX/XXXX Experian generated me with Verified as Accurate results report # XXXX and the report that was attached to my results still report this accounts On Record Until XX/XX/XXXX. Experian is verifying as accurate this account by using validity instead of correcting federal errors I put them on notice for. 

Experian blatantly ignored my dispute and failed to fix this account to the maximum possible accuracy in regards to their reinvestigation and this account remains to have a inaccurate purging date On Record Until XX/XX/XXXX, therefor this account should have been deleted. 

Experian is not following Federal Law and is currently in Violation of the FCRA section 605. For verifying as accurate a account by using some other source other than the data furnisher XXXX XXXX, KNOWING the on record until XX/XX/XXXX is inaccurate. If experian was in response with XXXX XXXX in regards to the purging date then they would have been made aware of the correct purging date to report. by experian reporting the on record until XX/XX/XXXX experian is manipulating the original date of delinquency date with the original creditor. 

I have also attached proof from XXXX website FAQ published by a XXXX XXXX a Consumer Education XXXX on XX/XX/XXXX that clearly explains the question when does the 7 year rule begin for delinquent accounts? XXXX XXXX clearly explains If you have a late payment and never bring the account current, it will eventually be written off as a loss. The debt then could be sold or transferred to a collection agency. In this case, the entire account will be removed seven years from that ORIGINAL DELINQUENCY DATE, ALONG WITH THE SUBSEQUENT COLLECTION ACCOUNT. 

I have proof from this debt buyer of experians inaccurate reporting. I have already disputed this account indirectly with experian and specifically put them on notice of the error of a inaccurate purging date On Record Until XX/XX/XXXX and experian has generated me with verified as accurate results KNOWING this account is not accurate. experian did not follow reasonable compliance procedures to assure my consumer file is of maximum possible accuracy before preparing me a new report 1681e ( b ). Accuracy of report.
Consumer complaint received 2024-11-13
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-06-16
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. (MI)

on. for 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 XXXX XXXX XXXX XX/XX/2021 OPEN BALANCE {$1900.00} ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX. ( 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Consumer complaint received 2022-06-16
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. (GA)

Experian is reporting three late payments they claim were verified by creditor XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I find this hard to believe that a thorough investigation was conducted. Did they interview family members, my neighbors? What is the method used validate this information. Please show my written consent to share my consumer information. Do they have names, addresses, visited to validate this information? If this was completed please provide full details. 

In 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 an account without my written instructions. 

15 U.S.C 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 2024-11-13
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. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (KY)

On XXXX the XXXX XXXX  I reached out to the company to receive my account number or any information of the debt as I had notice it on my credit report. I did not receive any notice in the form of a letter, email, or call up till this point. They did not respond to my email. 
On XX/XX/2022 I received my first email from them in regards to the debt owed. It did not prove the debt was mine just gave the account number, the amount with interest owed and my previous address. 
On XX/XX/2022 I emailed them and asked for a valuation of debt. I also asked for the following documents : Name plus address of original creditor, that account number and how much was owed, Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay, If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay, and finally I asked for The amount and age of the debt including : A copy of the last billing statement sent to me by the original creditor State the amount of the debt when you obtained it, and when it was. Also written in this email I asked to stop being contacted through email, letter, text, and call. This email was ignored by the company. 
On XX/XX/2022 they sent another email exactly like the first expect it had more interest due. 
On XX/XX/2022 they sent out an email stating I owed more interest. In the same format as their other two emails.

They sent the same email three more times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 each with the interest due getting higher. 
On XX/XX/2022 I sent out the same email as I had sent before this time getting a response. They claimed to have sent it three times ( meaning the times mentioned above which do not provide the documents I asked for ). She also ended this emailed with a settlement was being offered as a courtesy and she would no longer open/address any further emails. I sent another email stating I have not received the documents and they never wrote back. They have continued to email, call, and text my phone after I have sent a letter twice stating I no longer want to be contacted about this debt.
Consumer complaint received 2022-06-16
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. (SC)

GOOD MORNING, XXXX, XXXX, AND TRANSUNION has not properly conducted an investigation regarding a negative account on my personal credit report. On XXXX XXXX i certified mailed off a letter ( XXXX Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) ( TRANSUNION Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) requesting documentary proofs ( the hard copies ) and evidence of the alleged debt being claimed against me. 
The account is : XXXX XXXX XXXX XXXX .... 
I unfortunately still have not received any hard copy documentation proof that i originally requested. I stated if unable to provide proof, please delete the account completely and immediately. I appreciate your time in this matter and i'm able to provide any and all additonal information needed to resolve this issue correctly.
Consumer complaint received 2022-06-16
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. (TX)

Hello, I sent a letter off on XX/XX/202 to remove personal information that I do not want on my credit report. My tracking numbers are XXXX, XXXX, and XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party companies. These are clear violations of my federally protected consumer rights