davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (TX)

In accordance with the Fair Credit Reporting act. The List of consumers below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
EQUIFAX, XXXX, XXXX have violated my rights along with XXXXXXXX XXXX allowing a late payment reporting to my report. 

Creditor : XXXXXXXX XXXX  Dates : XX/XX/XXXX & XX/XX/XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I demand these late payments be removed immediately with an updated copy of my report mail to me for conformation.
Consumer complaint received 2024-02-14
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. (AZ)

Im in disagreement with the accounts listed below, which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated the inaccuracies are highly injuries to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit, Reporting Act, Public Law, 91506, title VI Sections 611.

Provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2023-10-05
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. (PA)

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-09-06
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-06
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)

In according to the fair credit reporting act XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX via XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights .15U.S.C 1681section 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.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Experian credit reporting agency does not provide direct reporting of their Vantagescore credit reports. Instead they refer consumers to banks which either have difficulties getting scores, or only offer scores via paid services and products unrelated to credit reporting. 

I have no difficultly obtaining Vantagescore credit reports and scoring from XXXX and XXXX, and can obtain their credit reports and scoring directly through their online portal.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2023-12-05
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NJ)

I got this as a gift. Card had glue on the magnetic strip and ruined the strip right from the beginning. Tried to use the card online and thats when all the troubles began. Site for activation doesnt work and force you to call. Upon calling they ask for all weird info ( even asks for where the card was purchased which is nonsense as it was a gift ). They ask for personal information and even after sending the necessary information it still doesnt work. I sent the license XXXX times and it keeps getting denied. It has been more than a month and I still cant use XXXX dollar gc. Reported to bbb was promised response back which i never received. Looked up online and i am not the only XXXX with the issue. It is as if US bank is purposely ruining the physical card by placing glue on the magnetic strip so it is impossible to use otherwise by not activating for online use
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TX)

I am being harassed by Shellpoint to collect on payments that were made to the previous Mortgage Company, XXXX XXXX XXXX. I reached out to Shellpoint Mortgage Servicing ( SMS ) on XX/XX/XXXX to inform those payments were made to the previous mortgage company and I was informed that I was delinquent for payments in 2021. Since all of my payments are scheduled through an auto-pay feature, I was flabbergasted that there were missing payments. I have NEVER been informed by XXXX that I was delinquent. 

I was on deferment during the pandemic. Now SMS has changed my monthly payment from {$1400.00} to {$4400.00} which has my account in delinquent status with late fees and other fees being applied to my account.
Consumer complaint received 2024-09-06
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. (TX)

I XXXX XXXX hereby files a complaint against a debt buyer hereinafter called XXXX XXXX XXXX, officially registered as a debt-buyer with the National Mortgage XXXX XXXX XXXX XXXX ) and bonded within the state of Texas. I have attached copies of the XXXX credit posts that show as a debt buyer for a debt that never belonged to me, and under the Fair and Accurate Credit Transaction Act ( FACTA ). As a federally bonded agent in debt collections, XXXX XXXX XXXX did not follow protocol pertaining to the identity theft matter that I filed as a police report on XX/XX/year>. Under FACTA guidelines, once an identity theft protest has been established, the creditor or debt collector must remove the protested item and complain about its own validity investigation. The police report was put together with details, as my identity was stolen and used for credit cards and XXXX vehicle loan. On each of those occasions, the original creditor and/or its third-party interest deleted the credit tradeline from each respective credit bureau. Under FACTA, I demand that XXXX XXXX XXXX remove each false debt buyer collection permanently. A report on any negative response will be reported to the Office of Attorney General, state of Texas and the compliance office of the NMLS. 

( XXXX ) IDENTITY THEFT.The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Commission may prescribe, by regulation. ( XXXX ) IDENTITY THEFT REPORT.The term identity theft report has the meaning given that term by rule of the Commission, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Commission ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. 
Accordingly, the complaint I am submitting is valid, the collection is not, and must be deleted permanently from each credit bureau, Experian, XXXX, and XXXX XXXX respectfully. 

XXXX XXXX
Consumer complaint received 2023-12-05
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 disputed these late payments XXXX different times with XXXX and Experian. XXXX is the only one reporting it correctly. XXXX and Experian just keep verifying the information without sending me any method of procedures. I disputed on XX/XX/23, XX/XX/23, and XX/XX/23. They havent even investigated. They just sent something back saying they werent going to investigate. I sent a XXXX bureau report in each letter- SHOWING THE ERRORS DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXXXXXX DPEDXXXX XXXX DPEDXXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (FL)

I opened a Chase Freedom card about 2 years ago and transferred balances from another credit card. Although I realized that the interest would increase after the 24 month period I had *no idea* that it would *triple* my credit card payment ( from {$40.00} to {$110.00}, instead of the maximum of {$80.00} ) - Along with an 29 % interest charge they've slapped what looks like an additional 50 % balance transfer interest ; i.e. over a debt of about {$3300.00}, {$28.00} goes to service the interest charge, while {$53.00} services the balance transfer charge, which means that I will probably NEVER EVER EVER be able to pay it down. A total of {$75.00} a month interest! 

I called Chase about this on several occasions, tried to negotiate a payment plan but what they came up with wasn't much better - something like {$77.00} a month over a 5 or 6 year period. 

This is the equivalent of what used to be an XXXX  type mortgage... you pay a low fee initially and then it triples. Chase got sued over that during the mortgage crisis of XXXX and here they are doing it again with credit cards!! When I got the credit card I knew that I would have to pay interest over time but had NO IDEA that it would be anything like this. 

Like many people, I am careful with money but not infallible. Chase takes advantage of this - had I been told specifically that this would happen after 24 months I would have NEVER EVER agreed to the card. Chase refuses to budge or listen to me and and now I am stuck.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Upon reviewing my credit report, I have identified multiple inaccuracies with the reporting of this bankruptcy entry. These errors appear to violate both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines for accurate credit reporting. The inaccurate reporting is damaging to my credit score and personal finances. Below, I outline the discrepancies : XXXX XXXX Standards Violations : Incorrect Date of Bankruptcy Filing : The bankruptcy reporting contains an incorrect or outdated filing date, which does not align with XXXX XXXX standards for accuracy. 
Improper Classification of Account : The bankruptcy may have been improperly coded or classified under the wrong category, making it non-compliant with the strict XXXX XXXX guidelines for reporting public records. 
Inconsistent XXXX XXXX XXXX : The bankruptcy information is not uniformly reported across all major credit bureaus, which violates XXXX XXXX guidelines that ensure consistency and accuracy in credit reporting. 
XXXX or XXXX XXXX XXXX XXXX : There is insufficient documentation to support the continued listing of this bankruptcy. Under XXXX XXXX, all public records must include verifiable information directly from court records. 
As required under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines, you are obligated to report accurate and verifiable data. Because this bankruptcy information is inaccurate, incomplete, or unverifiable, I am requesting its immediate removal from my credit report. 

Legal Basis : Under the FCRA ( 15 U.S. Code 1681i ), the credit bureau has a duty to : Investigate and remove inaccurate information within 30 days. 
Delete unverifiable information. 
Notify me of the results of the investigation. 
Since the bankruptcy entry violates XXXX XXXX compliance standards and fails to meet FCRA accuracy requirements, I am requesting the immediate deletion of this entry. If you are unable to verify the accuracy of the information within the XXXX window, this account must be removed. I expect a prompt investigation into this matter, and I request that you notify me of the results within the legally mandated time frame. I request that you remove it from my report without delay. 
Failure to take timely action will result in further complaints and if necessary, legal recourse.
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc. (SC)

We had a mortgage modification years ago and this past XXXX, when I went to make my next payment on XXXX is when we realized ( we have been setup for paperless billing ) that our loan would be due in full ( balloon payment ). I contacted Mr. Cooper and they told us we had no options except to pay it in full ( roughly XXXX ). At that point we reached out to XXXX XXXX and they approved us for a loan that would pay off the XXXX and other creditors. I asked on several occasions for a letter that states they extended the maturity date so that XXXX XXXX could pay it off. Mr Cooper DID NOT provide anything that I could give to XXXX XXXX so they told me they couldn't complete the mortgage process. 

When I contacted Mr Cooper again, the told me we could go directly through them which was NOT told to us originally. We started that process only to be told that since the payment was late that they now couldn't help and that I would have to submit for a hardship. We did that and provided all the documentation they requested. This process took a while and they came back telling us that it was denied. At that point, per their documentation, I submitted an appeal, and that process took long as well, only to be told that our appeal was denied due to the requirments of the investor, XXXX XXXX. 

Now that it took months to submit a hardship request, then the appeal of that decision, this mortgage started reporting it as 120 days late which is now destroying our credit and making it impossible to secure a loan.
Consumer complaint received 2023-12-05
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. (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 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 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 2023-12-05
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. (TX)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


XXXX XXXX XXXX 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 2023-12-05
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-12-05
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. (NM)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected, or omitted : 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 2023-12-05
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)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX, Experian and XX/XX/XXXX data breach and may have got into the hands of the wrong person.