davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
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. (AZ)

I was medically incapacitated from XX/XX/XXXX through XX/XX/XXXX. During this time, medical bills and living expenses were paid on a XXXX XXXX XXXX credit card. This debt was charged off in XX/XX/XXXX by XXXX XXXX without regard for the context of medical debt, and long term XXXX considerations. Today XX/XX/XXXX this account shows as a charge-off of a significant amount, and catastrophically affects my ability to obtain credit fairly regardless of my income level. This is an unfair adjudication by XXXX, I have tried on numerous occasions to resolve this directly with XXXX XXXX including offering to pay the debt in full in exchange for removal from my credit history. This is an unfair adjudication by XXXX, I have tried on numerous occasions to resolve this directly with XXXX XXXX including offering to pay the debt in full in exchange for removal from my credit history. This is a retribution by a large bank conglomerate against a private citizen with an unforeseeable and complex circumstance.
Consumer complaint received 2022-08-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NORTHWEST BANCSHARES INC (OH)

My previous compliant, # XXXX, submitted on XX/XX/22 was not addressed by Northwest Bank XXXX XXXX XXXX did not address my compliant. She referred to a previous compliant, stated they reviewed previous documentation provided by myself and that I did not submit a new issue. Everything I submitted XX/XX/22 pertaining to advances being taken on my parents equity loan that they did not take, is not the same documents I previously submitted to Northwest about the fraud. XXXX XXXX attached copies of advances that are not the ones I submitted the compliant about. I am not disputing the copies she provided, its the dates that I provided in my previous compliant # XXXX that I am stating were not taken by my parents. I've including in this compliant the procedures Northwest provided as to the different ways to request/take out an advance, which none of those occurred with how the advances in my compliant, showing my parents did not take those specific advances when they were in Florida. They did not drive back to Ohio in a day to personally walk out of the bank with cash of those amounts that I am disputing was not taken by my parents.
Consumer complaint received 2024-10-24
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. (FL)

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received copies of my credit reports provided by XXXX, Experian, and XXXX, and I have noticed that transactions related to the XXXX XXXX XXXX account with the number XXXX have been incorrectly marked as late payments and this is negatively affecting my personal life and my ability to acquire and build credit. 

Legal Grounds for Dispute According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report.

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer Report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title.

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of Payments Timing of Payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Consumer complaint received 2024-10-24
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. (IN)

Dear Consumer Financial Protection Bureau, I am writing to dispute two late payments that were recently reported on my Experian credit report. These late payments, from XX/XX/year>XXXX  ( 30 days ) and XX/XX/year>XXXX  ( 60 days ), are associated with my account number I believe that these late payments are in clear violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681b, a consumer reporting agency can only furnish a consumer report under specific circumstances, including in accordance with the written instructions of the consumer.

Furthermore, 15 U.S. Code 1681a defines a consumer report as excluding any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, Ref. XXXX XXXX Account XXXX XXXX On XX/XX/XXXX at XXXX XXXX I paid the total amount due at the time, via phone, the customer service rep told me everything was fine and my next payment will be on XX/XX/XXXX. I specifically asked when was my next payment. ( Payment was made on XX/XX/XXXX their system reflects it on XX/XX/XXXX ). 

Unfortunately, they reported me on XX/XX/XXXX ( minus XXXX points on my score, this will appear on my records for 7 years ) on a Saturday, they were closed already. The information provided by the customer service rep was inaccurate and misleading as they did not say I was getting reported even though I paid. And I was reported after I paid. I placed a complaint through Experian and they said the information was correct. If they cant return my points at least they have to say the true and add a note saying that they reported me after the account was paid. They damaged my credit, they do not address this issue either as I contacted them several times and they told me they were working on it, they were not they simple added more damage saying that their info was correct. I cant emphasize this enough they reported me even though the account was paid, they reported me after I paid. The information is not correct since they are not even making a note in my records telling that account was paid on XX/XX/XXXX however XXXX reported it on XX/XX/XXXX, at least they have to give me that. Because Thats the true. 

This was a loan for the education of my son, he is a special needs person. This is causing him tremendous stress, the past 2 years are been very difficult and the last thing we needed is something like this. He is dealing with XXXX and XXXX. XXXX actions were unnecessary, a total lack of respect for a customer and a display of an institution doing what they want without any regards for their customers or peoples lives. We are more than a number, we are people dealing with many different issues and regardless of that we ALWAYS paid. The account was paid, however they reported me because they have the power to do so. 

Enclosed are copies of my records ( phone call record when I made the payment, payment, credit report ). 

I look forward to your reply and a resolution to my problem and will wait before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fl XXXX
Consumer complaint received 2022-09-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX XXXX made a mistake by reporting an error to the credit bureau 's and has since sent the required items to have the error removed from my reports. XXXX and XXXX were very friendly and expedited my request as I am in the middle of applying for a mortgage and this error has caused much distress. 

TransUnion on the other hand refuses to assist. My first two disputes I submitted on the error was was not the same item that TransUnion sent to XXXX XXXX for the dispute. Originally, I declared bankruptcy in 2020 and had included two XXXX XXXX accounts. TransUnion keeps sending the request for an item from by bankruptcy back to XXXX XXXX and not the actual Item I submitted the dispute on. 

TransUnion 's customer service was no help as they didn't answer my questions in chat, and kept hanging up on me when requesting a supervisor. XXXX XXXX also verified that they sent back to TransUnion the information to remove the item to which TransUnion states nothing received.
Consumer complaint received 2024-10-29
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. (AZ)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TO WHOM it may concern I am writing to report that I am a victim of identity theft. An unknown individual has fraudulently opened a XXXX XXXX XXXX XXXX credit card account and a XXXX account in my name. These unauthorized accounts have been reported to the three major credit bureaus : XXXX, TransUnion, and XXXX. 

Details of Fraudulent Activity : XXXX. XXXX XXXX XXXX XXXX Credit Card Account : - This account was opened without my knowledge or consent. ON XX/XX/XXXX under the account number XXXX - I have not authorized any transactions or actions related to this account. 
I HAVE TRIED to communicate with you guys but i haven't seen any positive results in the matter, Impact on My Credit Report : These unauthorized accounts have negatively impacted my credit reports with XXXX, TransUnion, and XXXX. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which allows for the blocking of information that is the result of identity theft. 

Under FCRA Section 605B, I am requesting that the fraudulent accounts be blocked from my credit reports. This provision mandates that credit reporting agencies must block the reporting of information that resulted from identity theft within FOUR business days upon receipt of proof of identity, an identity theft report, and an official request to block the fraudulent information., and if for some reason this item doesn't getting deleted or blocked, you guys are violating my right under FCRA XXXX this are fraudulent account in my name that wasn't opened by ME I REPEAT SOMEONE IS USING MY NAME I am requesting your assistance in this reinvestigating this matter and taking the appropriate actions to prevent further harm DESIRED OUTCOME : PLEASE REMOVE ACCOUNTS FROM CONSUMER FICO CREDIT REPORTS VICTIM INFO : NAME : XXXX XXXX Date Of Birth : XXXX  Contact info : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX Arizona XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NE)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-23
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (MI)

Flagstar mortgage. I paid my XX/XX/XXXX, bill on XX/XX/XXXX {$530.00} was due but I paid {$650.00}. I logged into account, XX/XX/XXXX, to verify payment application. I noticed my next payment due was for a higher amount, {$550.00}. I also know XXXX is when escrow analysis is completed on my account. I checked online documents, there was no current escrow analysis report. Today, XX/XX/XXXX, my XXXX bill statement ( statement create date XX/XX/XXXX ) was received for the aforementioned higher amount. I have not received escrow analysis and there continues to be no escrow analysis report present on the website. Customer service claims analysis report was mailed but could not say when and could not provide reason/explanation how report was mailed when there is no report in online documents, but XXXX statement for XXXX bill is present on the website. I asked him to change payment until escrow analysis report could be received. He would not agree to set payment to prior amount until analysis could be received. He apologized that analysis report was not received but had been mailed. He then hung up on me because I used profanity once.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (FL)

I suppose I pay my credit and my husband have Personal loans y from XXXX. The credit card and the loans are from XXXX and XX/XX/XXXX XXXX I pay the loans and credit card. The credit card was XXXX dollars and the Personal loan was XXXX I payed by phone but XX/XX/XXXX they say I dont payed anything I and very upset because when I payed they dont ask who is the owner. When I ask wheres the money they dont want to talk to me and my husband is XXXX XXXX XXXX and I have the proof chase make this money to Discover and they dont want to talking to me and we know the credit card have the money and we have XXXX months to try to resolve this problem and they dont told as how much is they told me my balance is XXXX for the credit card and XXXX I payed for the personal loans this amount and I dont have any paper and they say I dont paying
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

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 DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX 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. 16815-2 ( 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 2022-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (FL)

A collections action is being taken against my credit for a XXXX  account that was closed and the final billing statement paid on XX/XX/2022 ( see attached bank statement ). There was a XXXX balance on this account and I can no longer access the account as it is closed. 

I received a letter from Sunrise Credit Services in XX/XX/2022 saying I still owed {$74.00} for an account that was closed and done for months. I responded saying that I disputed it because the account was closed and paid with a XXXX balance. They never responded to my dispute and instead sent it to collections. Two of the bureaus have removed it so far, but I am waiting on the third one. I do not want this repeatedly showing up and causing aggravation. I closed the XXXX account because their internet service was shoddy at best and their billing kept changing after " introductory '' rates " expired ''. I was done with the poor customer service. They didn't even properly cancel the account in XXXX when I called to cancel and I had to call back multiple times to get it done. On the final call, the representative apologized, said he took care of the issues and that I should return the equipment, which I did. I then paid the final balance on the billing statement in XXXX and the account was closed. Then months later I got a letter from Sunrise saying I still owed {$74.00}. They never responded to my dispute of that and instead filed a collections action against me. 

This is not a valid bill and as I closed the account ( after I had to call several times because XXXX never did the account closure correctly when I requested they close the account ). All equipment was returned and the final billing statement was paid in full on XX/XX/2022. This is a known issue with XXXX  and they should be investigated for these tactics.
Consumer complaint received 2024-10-24
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. (PA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 2022-06-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have sent several letters to the credit bureaus and they have not given me an answer. I've been waiting more than 60 days for a response and they haven't. I have several negative accounts that are affecting me.