davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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. (MS)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Consumer complaint received 2022-08-05
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. (FL)

Hello My complaint is against Experian reporting agency. My credit report has not been updated in 2 years making it impossible for me to verify if the information is correct. I had a previous problem with them reporting a closed account as an open account which made my utilization XXXX XXXX I spoke with fraud .. investigation and even customer service and everyone sent me to the next person. I then threatened to file a complaint hoping that would show I am serious .... 

Well, the next thing I know XX/XX/2020, was the last time my credit report was updated. They told me at first that it would take 3 months then 6 months. well due to so many life changes of covid I got frustrated and stop checking. I am now trying to purchase a house and have no way of knowing where I stand. It is impossible for not one update in 2years. I have been denied credit and a rent to own home program due to my credit not showing any information. Also my XXXX  account was closed with a balance of {$8000.00} owed leaving only an open XXXX XXXXXXXX for {$300.00}. well my available shows {$300.00} and my balance owed shows {$8300.00} causing my utilization to go to 990 %. I can attach documents privately,
Consumer complaint received 2022-08-03
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. (MS)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Consumer complaint received 2024-11-01
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. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Acquisitions Group (PA)

To Whom it May Concern I have right to privacy under FRCA LAW I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified XXXX. Provide validation of the debt, that is, the actual accounting. 
XXXX. Verification of their claim against you, that is, a signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary
Consumer complaint received 2024-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Subject : Resolution Request for Immediate Correction and Financial Compensation Due to XXXX Reporting of Time-Barred Debt To Whom It May Concern : I am filing this complaint regarding XXXX reporting of a debt to credit bureaus that is over XXXX years old and thus unenforceable under Maryland law . According to Maryland Courts and Judicial Proceedings 5-101, consumer debts older than three years are time-barred and can not be legally enforced. 

Despite this, XXXX has reported this unenforceable debt to credit bureaus, which misrepresents its collectibility and has negatively impacted my credit profile. This action violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires fair and accurate credit reporting. Given the financial and reputational harm caused by this inaccurate reporting, I am requesting the immediate removal of this debt from my credit report. 

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), my private financial information should not be disclosed or shared without my authorization, and XXXX  reporting of this time-barred debt violates this restriction. 

I am requesting both immediate removal of this time-barred debt from my credit report and financial compensation for the harm caused by this reporting. I appreciate the CFPBs assistance in addressing this issue and ensuring that XXXX is held accountable. 

Thank you for your attention to this matter. 

Sincerely, /s/ XXXX XXXX
Consumer complaint received 2022-08-05
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. (HI)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2024-11-01
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. (SC)

Re : FINAL NOTICE OF METRO 2 NON-COMPLIANCE IMMEDIATE ACTION REQUIRED Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Representative, I am formally disputing the inaccurate and non-compliant reporting of the accounts listed above.

Your failure to maintain accurate, complete, and consistent data constitutes a clear violation of 611 of the FCRA and Metro 2 standards. These errors must be corrected immediately to avoid further action. 
Violations Summary XXXX. XXXX o Account shows as open with delinquent status but marked closed by TransUnion. Reporting late payments ( 30-day ) post-closure violates Metro 2 guidelines.

2. XXXX o Inconsistent last activity dates between bureaus. Reporting 90-day late payments on an open account with a {$0.00} balance is misleading and non-compliant. 
XXXX. XXXX XXXX o 60-day delinquency reported despite account being listed as closed by the credit grantor. Data inconsistency across bureaus violates FCRA requirements for accurate reporting
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TX)

I opened a checking account online and deposited {$3000.00} with the pretense that I would receive {$300.00}. The checking account type was not available online so I picked the one that was available but since it is not the right one i will not receive the {$300.00} nor will they let me close the account because it needs to be open for 6 months. Secondly i can transfer money into their account but for me to transfer money out it will cost me {$3.00}. 

The advertising that they had was not clear and offering multiple checking accounts is deceptive especially when they steer you to one that is not part of the promotion.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc. (PA)

To Whom it May Concern I have right to privacy under FRCA LAW I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified 1. Provide validation of the debt, that is, the actual accounting.

2. Verification of their claim against you, that is, a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$5100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$1800.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$13000.00} XXXX. XXXX XXXX Account Number : XXXX Bal : {$600.00}
Consumer complaint received 2022-08-05
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$370.00}
Consumer complaint received 2022-08-05
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. (GA)

My name is XXXX XXXX and I am a real person upset about the findings of my credit report information. And after checking my credit score to buy a home I have seen some information on my account that wasn't accurate. This is a big violation of my rights to privacy. 

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 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 2022-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

On Monday, XX/XX/XXXX EdFinancial services received two cashier 's checks from me. Check No. XXXX for {$3800.00} and Check XXXX for {$8600.00}. These checks were cashed on Wednesday, XX/XX/XXXX. I contacted them on XX/XX/XXXX to verify they received the payment as it had not been applied to my account yet. The person I spoke with ( XXXX ) told me to upload the copies of the checks at my account on their website and he stated he opened an incident ticket. He told me it should be resoled within 3 business days. I called back on XXXX to follow up and was told ( missed the name ) that it would take 60 days for them to post the payment to my account. I was also told that XXXX misinformed me when he told me 3 days. The COVID emergency forbearance expires on XX/XX/XXXX. It is my belief that they are delaying posting the payment because they intend to post it after XX/XX/XXXX and proceed to apply excessive charges, fees, etc.. to the my account and force me to pay more. My account # is XXXX.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NC)

My XXXX card which I had for 20 years switched to Goldman Sach 's MARCUS card. I had always received a mailed bill which was paid in full promptly. 

The first month when bill did not come I went through long process to inquire and was told I had to establish an online account. or request to receive a mailed bill. They refused to adjust or correct the late fee. 

Second month a mailed bill did come late and was paid say day but two weeks later they did not show payment. Of course they did show payment arriving the day after second late fee was charged. 

Again tried to resolve even showing check was posted 2 days before they registered it as paid. 

I am a retired banker and it is obvious they are gaming the system to maximize late fees. 

Now I am canceling the card but can not help to feel sorry for the thousands of people they are fleecing every month. 
. 
Thanks, XXXX XXXX
Consumer complaint received 2022-08-03
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: CURO Intermediate Holdings (TX)

Ad Astra, is in continual violation of my consumer rights. The last reply I received from them stated that " As XXXX XXXX has indicated that he is represented by counsel in connection with the account placed with Ad Astra, the validation requested was provided to his attorney as required by law. Until such time that XXXX XXXX indicates that he is no longer represented, Ad Astra can only communicate with the consumers attorney which is why the validation sought by XXXX XXXX was delivered to his attorneys XXXX, Texas address ''. In fact, I have never communicated this to Ad Astra. On XX/XX/2022 Ad Astra wrote " In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions by mail to negotiate repayment ''. There has been no contact from me towards AdAstra outside of the CFPB. So, how did I tell them I had counsel? They must explain this and provide evidence. 
I understand that these are delay tactics and cheap collection agency tricks. Afterall, AdAstra has a well-documented history of such. I WILL STATE NOW THAT I DO NOT HAVE COUNSEL AND HAVE NEVER COMMUNICATED SUCH TO ADASTRA. Furthermore, as I have always maintained AdAstra has not properly validated this debt as they have been willfully reporting erroneous information including my name. There is someone who shares the same name as me in XXXX and I believe that is why they sent the information to XXXX. Evidently, AdAstra has confused he and I. 

Therefore, I REQUEST AdAstra to immediately forward to my address the following : 1 ) Pay off disclosure 2 ) Interest Rate Disclosure 3 ) Balance History 4 ) Payment History 5 ) Credit Insurance 6 ) Signed contract with my signature 7 ) PROOF that I told them I had counsel, the counsel 's phone number, name and address.

8 ) Method of investigation used to validate this account I REQUEST THESE 8 PIECES OF INFORMATION ( in its entirety ) BE IMMEDIATELY AND WITHOUT DELAY SENT TO ME AT MY RESIDENCE.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( Account Number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

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 1691i ( 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, or modify that item of information as appropriate, based on the results of the investigation; 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 2024-11-01
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. (MN)

" 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 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KS)

Per previous complaint all documents sent faxed and emailed, Now all the paperwork that THEY lost is outdated.  I have just now emailed all current pay stubs from XX/XX/XXXXthrough XX/XX/XXXX. Again this is a problem on Carrington's part.  I hand carried the documents to a branch in XXXX XXXX Missouri handed them to XXXX XXXX – NMLS ID # XXXX Area VP – XXXX XXXX Carrington Mortgage Services, LLCXXXX XXXX XXXX XXXX XXXX, MO XXXX Phone: XXXX Cell: XXXXFax: XXXX Email: XXXX State Licenses: MO, KS, OK, IA, AR, NE, MI and the first person I spoke said there was no branch in Missouri. So here we are again.