davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4200.00}, Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$86.00} Account name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX - XXXX XXXX XXXX Account name : XXXX # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A States I have right to privacy 15 U.S.C. 1681 Section 602 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 my 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 2024-07-29
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. (KY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : [ Account XXXX XXXX XXXX [ Account XXXX XXXX XXXX XXXX  : XXXX [ Account XXXX XXXX XXXX XXXX : XXXX [ Account XXXX XXXXXXXX XXXX XXXX  : XXXX [ Account XXXX XXXX XXXX XXXX  : XXXX { Account XXXX XXXX XXXX  XXXX NUMBER : XXXX { Account XXXX XXXX XXXX  XXXX, NUMBER : XXXX [ Account XXXX : XXXX XXXX, NUMBER : XXXX { XXXX XXXX  XXXX, NUMBER : XXXX [ XXXX XXXX XXXX, NUMBER : XXXX [ Account : XXXX XXXX XXXX, NUMBER : XXXX [ XXXXXXXX XXXX XXXX  XXXX : XXXX [ XXXX XXXX XXXX XXXX : NUMBER : XXXX These accounts have accessed my credit information without XXXX explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXX ( a ) ( XXXX ). 
According to XXXX XXXX XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXX ( a ) ( XXXX ) states that no consumer reporting agency XXXX include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXX ( a ) ( XXXX ), no person shall 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. Additionally, according to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with XXXX XXXX XXXX ( a ) ( XXXX ). 
Correction of any inaccurate information in accordance with XXXX XXXX XXXX ( a ) ( XXXX ). 
Notification of the correction to any person who has received my credit report in the past XXXX months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2024-07-28
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: ENCORE CAPITAL GROUP INC. (CO)

Relieved a letter stating they are suing for unpaid balance belonging to XXXX. A laptop bought in 2021 while residing the state of Texas. I now live colorado and have been sued and have my wages garnished. The court hearing was expected on the thought it was only a scare tactic and not a real court document. Did not know how to check.
Consumer complaint received 2024-07-29
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. (NY)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-29
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. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-29
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. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 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 2024-07-29
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (LA)

Re ; Synchrony Bank/ Care Credit Account XXXX 

I scheduled XXXX payment to post on due date XXXX. it posted on XX/XX/XXXX resulting in fees in the amount of {$8.00}. I scheduled my XXXX payment on XX/XX/XXXX to post XX/XX/XXXX. It is pending as of XX/XX/XXXX. These are electronic payments. All other electronic payments made on XX/XX/XXXX have posted on XXXX. 

I contacted Synchrony Bank/Care Credit today . I'm not sure if they will remove the XXXX late fee. I was advised no future fees will post.
Consumer complaint received 2024-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

My mortgage was sold by XXXX to a series of other banks. I was not informed about this sale, and I continued making payments to XXXX. I was recently notified that my home was being foreclosed on, even though I have money to pay my mortgage and have been doing so on a regular basis to XXXX, who was supposed to notify me about the sale of my mortgage to a different processing company. I have no idea who to pay my mortgage to. I spoke to a representative from Specialized Loan Servicing ( SLS ) during the pre-foreclosure time, who on a recorded call promised to email me a quote to bring the loan current and instructions on where to send my payment, I never received this information and now my loan has been transferred *again* to a new loan company and now they are trying to sell my house in less than a month. My credit has been severely damaged by this as well, even though I have not received any communication or statements from the new mortgage company.
Consumer complaint received 2024-07-29
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-29
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. (NY)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-28
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. (FL)

Subject : Complaint Against [ Experian ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Experian ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ Experian ]. 
Account Information : Creditor Name : XXXXXXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ Experian ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and XXXX 
The violations committed by [ Experian ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ Experian ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ Experian ] upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ Experian ] accountable for their actions. 
Sincerely,
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$7100.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2024-07-29
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. (FL)

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 : XXXXXXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$11000.00}
Consumer complaint received 2024-07-28
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 2024-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (GA)

I am writing to express my deep disappointment and frustration regarding the inaccurate reporting of late payments on my credit report. This issue must be addressed immediately. Under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681a, Section 602 ) and the Fair Credit Billing Act ( 15 U.S.C. 1666b ), I demand that you take corrective action without delay. Additionally, under 15 U.S.C. 1681, Section 602 ( a ), I have the right to privacy, and under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish my account information without my written instructions.It is unacceptable that, under 15 U.S.C. 1681, Section 602 ( a ), credit reporting agencies are failing to ensure that the information in credit reports is accurate and fair, thereby violating my right to privacy. The late payments reported on the above account are false and misrepresent the true status of my account.

Furthermore, under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing my account information without my explicit written instructions. I have not authorized such reporting, making this a clear breach of my rights.

Moreover, 15 U.S.C. 1666b mandates that creditors promptly investigate and rectify billing errors, including the incorrect reporting of payments. I have contacted XXXX XXXX about these errors, and they have acknowledged the need for correction. Despite this, the erroneous late payments continue to tarnish my credit report, unjustly affecting my credit score and financial standing.
Consumer complaint received 2024-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NM)

The amount I need to pay decreased in XXXX and ever since my payments have been disappearing. The amount is not being properly reported to the credit bureaus nor can they tell my why I can see the payments I make on the statements they send but they keep telling me I'm not paying. I want to know where my money is going.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XX/XX/XXXX [ XXXX XXXX ] [ XXXX Smiths XXXX XXXX ] [ XXXX VA XXXX ] XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

[ Identify item ( XXXX ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ) US DEPT OF ED XXXX XXXX account # XXXX {$4500.00} XXXX XX/XX/XXXX US DEPT OF ED XXXX XXXX account # XXXX {$1600.00} opened XX/XX/XXXX US DEPT OF ED XXXX XXXX account # XXXX {$5800.00} XX/XX/XXXX UPDATE PAYMENT HISTORY TO CORRECT STATUS paid in full without any late payments 15 USC subsection 1666b TIMING OF PAYMENTS if you are unable to do that Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] XXXX XXXX
Consumer complaint received 2024-07-28
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. (PA)

I did not give anyone authorization or consent to use my personal information.

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

usc 1681 says a consumer has a right to privacy, USC 1681b SAYS THAT A CONSUMER REPORTING AGENCY CAN ONLY FURNISH IN ACCORDANCE WITH THE WRITTEN PERMISSION FROM THE CONSUMER.
Consumer complaint received 2024-08-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (SC)

The name of the company is Credence Resource Manage ; I never did business with this company. They keep calling saying I have an account with them. I didn't get a letter or a phone call explaining about the debt before they hit my credit.