davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (SC)

I was about to switch cellphone companies from XXXX to XXXX XXXX XXXX. While on the phone talking to a XXXX representative, I told her EVERYTHING that I was doing so I wouldn't get billed later. She explained to me that the payment I was making was indeed my last payment because I had to also pay for a partial month. She told me that everything was done and paid and she asked if she could do anything to make me stay and I said no. Within a couple months they billed me for what I already paid and I called XXXX to clear it up and I was told it would be cleared. Every year around the same time the third party collectors will call and report it and place on my credit as new. I have built my credit up and I'm proud of that. If I felt like I owed them the money I would've paid it. It has been well over the 7 year mark for a cellphone BILL.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2023-11-04
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)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$7400.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/ Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XXXX  Reference # : XXXX.
Consumer complaint received 2023-09-01
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. (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 U.S.C 1681 FAIR COLLECTIONS & O. Transunion Credit report credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonabl
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" 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 2020-06-12
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. (UT)

XXXX XXXX is reporting collection on my account that is Erroneous!! This debt was paid before it went to collections. I t should have never went to collections in the first place. Also, I never got a notice of any from this collection company.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-11-03
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. (TX)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX has violated my rights. Or 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 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

On XX/XX/20 I requested documents regarding foreclosure Rushmore is listed on my consumer reports, I need this info they replied to my affidavit with a regular letter stating XXXX XXXX XXXX XXXX was the trustee misleading as they aren't on my consumer report
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Recently l was reimbursed fees that were charged by an Equity Accelerator Program. This refund prompted me to look into other accounts to see if there was discrepancies with the fees that I have been charged. I discovered a ton of fees that have been charged to me by my mortgage company Nationstar. In the month of XXXX XXXX I was changed XXXX fees of varying amounts. In XXXX XXXX I was charged XXXX fees of varying amounts and in XXXX XXXX I was charged XXXX fees of varying amounts. There are other months in which I was charged just XXXX fee, but the amounts always vary. When I contacted Nationstar I was originally told that the fees XX/XX/XXXX stemmed from a missed payment in XXXX XXXX. I was told that only a principal payment had been received. When I pointed out the fact that the history shows a regular payment and a principal payment on XXXX XXXX, XXXX the story changed. The next explanation that I was given was related to the bankruptcy that I filed in XX/XX/XXXX. I was told that I missed payments in XX/XX/XXXX and XX/XX/XXXX and that the fees that I am being charged in XX/XX/XXXX and XX/XX/XXXX are related to those missed payments. When I pointed out the fact that my mortgage has only been with Nationstar for 39 months but that I am charged XXXX fees I was told that I was misunderstanding the charges. Well I do n't understand the charges. As I stated my mortgage is paid through an Equity Accelerator Program. I ca n't remember when I started the current program because I had had it set up through XXXX XXXX prior to my mortgage being sold. I attempted to speak to Equity Accelerator and they advised that due to a system upgrade I am not currently able to review my transaction history. Any questions can be answered by a representative. When I spoke to the representative she referred me to Nationstar. I am getting the run around here and I need to get to the bottom of this.
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: Experian Information Solutions Inc. (NC)

I reviewed my Consumer Reports and noticed that I had two late payments 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 ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2023-11-03
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. (TX)

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 Account Number : XXXX Account Name : XXXX XXXX  XXXX A Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX has violated my rights. Or 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (AL)

Huntington Bank has received payment in full for the Vessel loan in XX/XX/2020. Huntington bank has failed to release the title and file the necessary paperwork with the National Vessel Documentation Center. I have contacted them four times about fixing this issue and releasing the lien on my vessel as this has been going on for almost three years now. They remain ignorant to this issue, create cases that they do not follow up with and refuse to fill a simple piece of paper that would release the lien. They have been a huge disspointment and will never do business with them again. They will not help and if you file a complaint, you will not hear from them. They are good at one thing : collect interest rates. 1*
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

"

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 2017-04-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (IL)

Ally Bank turned me down for deceased relative ( s ) debts. I owe no debts. Yet, the bank stated in their letter to me that since I have " outstanding debts '' I was turned down for a 1 % online savings account. There is no need to refer this complaint to another agency, I think XXXX is a flawed system for banks to use, and very few do n't use that to check potential banking clients credit, check history.
Consumer complaint received 2020-06-12
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: EQUIFAX, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$870.00} XXXX {$760.00} XXXX {$6600.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$15000.00} XXXX {$13000.00} US DEP EDXXXX  {$6600.00} XXXX {$760.00} XXXX {$5200.00} XXXX {$18000.00} XXXX {$2200.00} XXXX {$420.00} XXXX {$28000.00} CHAPTERXXXX BANKRUPTCU DISCHARGEDXXXX {$0.00}
Consumer complaint received 2023-09-01
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. (TX)

XXXX and EXPERIAN I XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., 609 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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
XXXX XXXX XXXX  XXXX account # XXXX Attorney General child support account # XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX  XXXX Hard inquiries.. 
XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX Are all unauthorized an have no Permissible use. 
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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
. 
I can go on and on please validate an delete at once
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I am writing to you as the holder of account number ( XXXX ) ( XXXX ) for my credit card to report an issue that is negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors are required to send periodic statements that include all information required by Section 1637 ( b ) at least 21 days before the payment due date. This ensures that consumers have sufficient time to review and make necessary payments without being penalized for late payments.

Additionally, the FCRA, specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

The details of the late payments reported to your agency are as follows : XXXX. XXXX XXXX Account Number : XXXX o Late Payment Date : XX/XX/XXXX o Payment Status : 30 days late. 
o Last Payment Date : XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX o Account Number : XXXX o Late Payment Date : XXXX, XXXX o Payment Status : 30 days late. 

In accordance with 15 U.S. Code 1681i, I request a full investigation into this late payment report, and I expect the information to be corrected. As per 15 U.S. Code 1681s-2, data furnishers are responsible for ensuring the accuracy and completeness of the information they report. I request that this late payment be either removed from my credit report or updated to reflect the accurate payment status. Additionally, I request that you send me an updated copy of my credit report reflecting these corrections once the investigation is complete within the legally mandated time frame.