davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DC)

I submitted a dispute on XX/XX/2023 and cc it to this agency and also to real pages and leasing desk as we'll as Experian, regarding and incomplete and inaccurate eviction that they all are currently reporting to my file this information has hindered me from obtaining residency, the reason this information is incomplete and inaccurate is because the report which is attached has no eviction balance reported in addition there is no data that supports a judgment of eviction that has been found again public record, I requested that this information be removed and or deleted.
Consumer complaint received 2023-08-21
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$260000.00} ; XXXX XXXX XXXX Balance Owed : {$58000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed XXXX {$13000.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Earned XXXX in reward balance on this card. Got no advance notice of account closure due to inactivity, just after it was already closed. Please reinstate my account, or at least reinstate my rewards, so I can redeem them.
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (TX)

Some one used my Social Security number to subscribe a monitoring system for his apartment on XX/XX/2017 without my knowledge. The address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and I never stayed this address. The original creditor was XXXX XXXX XXXX and the collection agent is ZIONS DEBT HOLDING. The name mentioned in the application is only my first name as XXXX XXXX and the application was electronically signed
Consumer complaint received 2023-07-29
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. (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.

The letters are stated with items and issues.

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 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-29
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. (PA)

In XXXX I sent a complaint to the bureaus they are in direct violation of 15 U.S. Code 1681 a no opt out was given by creditor prior to giving out my personal information this is in violation of FCRA and opt out under U.S.C 6801-6805. 15 U.S. Code 1681b - Permissible purposes which i did not consent to credit reports are supposed to be 100 % Accurate and not misleading to creditors under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation of the FCRA. 

ACCOUNT EFFECTED WITH DERAGTORY MARKS OR CHARGE OFFS. Below ON CONSUMER REPORT. 

XXXX XXXX/ Other Loan Past due : {$2100.00} XXXX Chargeoff XXXX  XXXX  Credit Card Past due : {$2000.00} ChargeOff XXXX XXXX  XXXX  Past XXXX : {$1300.00} ChargeOff ATTCHED IS IRS XXXX XXXX PG XXXX UNDER INTRODUCTION STATES : Introduction This publication explains the federal tax treatment of canceled debts, foreclosures, repossessions, and abandonments. 
Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income.

Note. This publication generally refers to debt that is canceled, forgiven, or discharged.

for less than the full amount of the debt as canceled debt.

Charge offs are claimed as income for tax purposes and should not show up on credit reports.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By violating section 1681 b for permissible purpose and 1681 c for information contained in consumer reports they are also violating compliance procedures under this title.
Consumer complaint received 2023-07-29
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. (FL)

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 2023-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (PA)

I started to place an order online through the XXXX  website with guidance from an agent on a chat ( transcript attached ). The agent made mistakes on the order and promised the order would be canceled. You can see this on line XXXX from the bottom of the transcript. I started to get bills from Affirm ( they would have financed the phone if the order was not canceled ). I had a second chat with XXXX  which I unfortunately did not save/print where an agent said he was expediting the issue and it would be resolved. It never was so I contacted XXXX  a third time and was told to take the issue up with Affirm. I filed an appeal with Affirm but they refused to cancel the order without documentation from XXXX. I finally filed a XXXX  complaint. XXXX XXXX from XXXX  called and sent an email with a so-called signature verification form from XXXX. It does not have a signature or an address. XXXX XXXX refused to contact XXXX  for this information. She also refused to provide a copy of an order showing what was ordered, the date, and the address. The so-called signature verification states I signed for the order, but I was in XXXX XXXX XXXX XXXX XXXX XXXX date when the phone was signed for. XXXX XXXX says I need to file a police report and take the issue up with Affirm. This has been an enormous inconvenience and is probably damaging to my credit. Visible clearly promised to cancel the order, made serious mistakes, and should bear responsibility for correcting the issue showing the order was placed, where it was delivered, and who signed for it.
Consumer complaint received 2023-07-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC (DE)

I live in XXXX XXXX XXXX, XXXX, DE and hired XXXX XXXX XXXX XXXX to fertilize my lawn couple years before. Their service was not good and complained multiple times, but no use of complaint. They continued their service year over year due to their system tactic - Auto renewal to next year which i did not request to continue.Without my request they are applying fertilizers and was sending bills. Since they already did service, i kept paying for couple years with kind ness, but i am not able to come out of their service plans because of their auto renewal policy even though complained couple times. 
Finally decided not to pay the recent bill of around {$90.00} from XXXX of 2023. I requested to cancel this bill as i as i did not like the service.. They ignored my request and send my bill to collection agency - Transworld. systems inc Now iam afraid of my credit history and collection agency threat.
Consumer complaint received 2023-09-20
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-07
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. (GA)

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 XXXX XXXX XXXX. 

has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-08-21
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-21
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTSTAR MORTGAGE CORPORATION (FL)

My original mortgage was with XXXX XXXX, and immediately I made the purchase of my home, it was sold to Weststar Mortgage Corporation. This has been the most horrific experience. They are so backwards in everything. I have had issues with them in the past, of them refusing to show detail of new charges, or provide me a simple amortization schedule, etc. 

For the month of XXXX, they suddenly increased my mortgage payment about {$600.00} without warning or a breakdown of the new charges as usual. This increase is too high for me not to have received any detail in the mail or even an email notice of the increase prior to being charged. Their description is to " miscellaneous '' charges. I do not know what these miscellaneous charges are. I have never made a late payment. I do have a direct deposit with them that pays them automatically every XXXX of each month, for the following month 's bill. This way, I have ensured all payments are made on time. This new increase has already been taken out of my account without my consent for the increase. 

As mentioned above, I have previously had issues with this company because they failed to show me detail increases in the past. In the post, I was told the increase was due to additional charges to my escrow account even though nothing has changed. They increased my escrow however they want based on some " estimates '' they have came up with. They failed to explain how their estimates are determined. I have requested for them to cancel my escrow account but they refused even though I paid 20 % down payment and not required to have an escrow account. 

I am requesting a review of their policy. I believe they have been practicing illegitimate business and mistreating customers with limited knowledge of how mortgage works.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Dear Sir or Madam : RE XXXXXXXX XXXX XXXX I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I was a victim of the Equifax Data Breach. At no time did I apply for any credit products from XXXX. This account and any inquiries associated with this account as a result from the identity theft 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, etc. ] Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : 1 ) Identity Theft Report Proof of identity 2 ) a copy of my drivers license/other government-issued identification card/other ] 3 ) Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (NJ)

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These false entries have seriously disrupted my life, resulting in considerable stress and anxiety. As a victim of identity theft, I never authorized this information to be associated with my name.
Consumer complaint received 2023-08-21
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. (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. 



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, Account name : DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.