davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
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. (NM)

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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

XXXX, Experian, & XXXX continue to report 2 bankruptcies that they claim to have verified but this is not true the vendor they use known as XXXX stated that the bankruptcies were removed due to them not verifying the information. This is my final attempt to get each consumer agency to turn over the proof they have or remove both of these bankruptcies failure to do so this is legal notice needed by the courts to let you know I will be pursuing my claims in court.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

This letter serves as a formal complaint regarding inaccurate credit information that has been included in my credit profile. I am extremely distressed about the inclusion of the following information, as it has significantly damaged my good credit standing. As you are well aware, credit reporting laws mandate that credit bureaus report only accurate information. The inclusion of this erroneous information is a serious breach of these laws and must be rectified immediately.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-06-20
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATIONXXXX Account XXXX UNAUTHORIZED INQUIRIES : 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-20
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. (FL)

I AM A VICTIM OF FRAUD AND XX/XX/XXXX I RECEIVED AN EMAIL STATING THAT MY SCHOOL LOANS WERE ALL FORGIVEN AND DISCHARGED AND WILL BE REPORTED TO ALL 3 CREDIT BUREAUS AND PAID AND CLOSED I SENT OVER THIS DOCUMENT BUT THE CREDIT BUREAUS REFUSE TO UPDATE THIS ON MY CREDIT REPORT. THESE SCHOOL LOANS ARE CURRENTLY REPORTING AS DEFERRED AND IN CAUSING MY DTI TO BE EXTREMELY HIGH. THERE ARE XXXX SCHOOL LOANS ( XXXX ) THAT NEED TO BE UPDATED.
Consumer complaint received 2024-06-20
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. (RI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NM)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Subject : Urgent Complaint Regarding Unacceptable Fund Hold Practices Dear Regulatory Authority I am writing to file a formal complaint against Navy Federal Credit Union regarding their unreasonable and seemingly arbitrary policies for holding deposited funds. As a XXXX XXXX XXXX, I rely heavily on timely access to my payroll funds, and Navy Federal 's practices have caused me significant distress and inconvenience. 

On XX/XX/year>, I deposited my regular payroll check, which amounts to between {$7000.00} and {$8000.00}, at approximatelyXXXX XXXX via an ATM. I was informed that ATM deposits made after XXXX XXXX would be considered as deposited the next business day. Understanding this, I expected XX/XX/year>, to be counted as the first day of the hold period. However, Navy Federal did not count Friday as the first day, leading to an extended hold period that effectively spans ten days. 

This arbitrary cutoff time and the failure to count Friday as the first day are absurd and highly unfair. As a result, I was informed that my funds would not be available until XX/XX/XXXX Monday of next week, which is unacceptable for a routine payroll deposit. 

Additionally, on XX/XX/year>, I deposited a {$36000.00} cashier 's check in person at the XXXX XXXX branch. Under Regulation CC, I understand that up to {$5500.00} of the funds from a cashier 's check should be made available by the next business day. However, today, two days later, Navy Federal released only {$220.00} and informed me that the remaining funds would not be available until Wednesday, XX/XX/year>. This means they are holding my cashier 's check for over eight days, which is far beyond the expected timeframe for such a secure form of payment. 

Despite my attempts to resolve these issues over the phone, the representatives at Navy Federal were unhelpful and dismissive, merely referring me to a brochure that did not address my concerns. This repeated pattern of extended holds and lack of assistance feels discriminatory, and I am left to question whether there is an underlying bias affecting the treatment of my deposits because of my ethnicity. 

I urge your office to investigate Navy Federal Credit Union 's policies and practices regarding fund holds. These prolonged delays are causing significant financial strain and are in direct violation of the guidelines set forth by Regulation CC. Immediate action is necessary to ensure that I, and other customers, receive fair and timely access to our funds. 

Thank you for your prompt attention to this matter. I look forward to your intervention and resolution. 

Sincerely, XXXX XXXX XXXX. 
Email : XXXX Phone : XXXX
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
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. (NM)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-20
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. (AZ)

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.
Consumer complaint received 2023-10-27
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. (MI)

XX/XX/2022 The dealer was supose to my run my credit ONCE.! After reviewing my report they ran it serval times with many different places. Places i have never even heard of before. He basically harassed me 2 weeks calling none stop saying i found someone for you even after i told him it was okay and that i dont need his services. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
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. (MS)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

NationStar Mortgage - XXXX, TX Mail : Notice of Error, Complaint, Request for Information or other Qualified Written Request Nationstar Mortgage XXXX. XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Web : MyNationstar.com This company took over my mortgage from XXXX and it has been terrible ever since. I have been fighting for resolution for almost a year and I 'm beyond fed up. 

XXXX 2015 the company took 2 mortgage payments from my account and caused over {$100.00} in bank fees! When I called I received multiple conflicting answers until I finally got my money for the actual payment, I have been fighting about the fees ever since. I have called, emailed, given feedback, and to no avail. I could go on and on, but I will bullet point my major concerns : *The reps are not well trained and give misinformation as well as conflicting responses. Sometimes they even act like you have n't called before! 
*I am told I will receive a callback after " further research '' and they do n't call back *After receiving the payment portion back I was told by a supervisor that I would see a check in the mail for the fees, but then it never came and now ( after speaking with several more people ) I am being told that I wo n't be getting refunded for the fees *The research department told one of the managers that I set up an auto-pay, which I did not, so I have asked for proof because they said they could see the IPs and they are refusing to send me documentation to take to a lawyer - which I ca n't afford in the first place - but I have asked several times for proof of this and told them I did not set up auto-pay because I do n't like giving up control of such a large chunk of my pay. I like paying it manually. 
*I consistently get " canned '' emails or letters that do not actually address the issue which furthers the frustration Struggling with this company has been the worst consumer experience of my life. I want to refinance somewhere else, but I know that once I am gone there really wo n't be a resolution to my issue. I am shocked at the terrible customer service, especially since I work for a financial institution myself ( investments and retirement ) and know how things should be done. This is just exhausting and really makes a person feel like the people at this company are crooks that are just taking advantage of people. Seeing all the bad reviews online only furthers my feelings and if I had been able to control the purchase of my loan, I would have told XXXX to never sell to Nationstar in order to protect their customers.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

date- XX/XX/21 amount- XXXX Ive contacted and requested the bank to release the funds as I saw and as its visible to them even the other person attached to my account also deposited XXXX XXXX checks from the same person to their personal account with XXXX as well and they released their funds. Its clearly not fraud if you just investigate for 10 minutes as I get the check from the same person the same time every year. 
I was cordial and understanding its even recorded in the online chat and the phone call I recorded. And the next actions the bank took was to freeze my account and take my direct deposit paycheck from my employer as well. They have taken my rightfully earned wages and is actively damaging my livelihood and have denied me communication and have refused to cooperate and resolve the issue theyve created.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-21
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. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

By 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 servicer, has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 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 2024-06-20
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. (FL)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.