davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

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 Account # 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 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.

Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX typeMultifamily XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, NY XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex
Consumer complaint received 2024-09-10
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. (MD)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.
Consumer complaint received 2024-09-10
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2017-05-17
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. (UT)

XXXX XXXX retaliated on XX/XX/XXXX after a complaint had been filed and XXXX  allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in XX/XX/XXXX, XX/XX/XXXX. The debtor XXXX XXXX is pursuing me out of spite and malice.If I could have afforded to pay the XXXX bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that XXXX XXXX XXXX XXXX should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone. XXXX has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a dozen times with different amounts when the aggregate of that account should have been used once.
Consumer complaint received 2024-08-17
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: EQUIFAX, INC. (RI)

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 2024-08-17
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. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX Account name XXXX XXXX  XXXX  federally protected consumer rights to I looked at my XXXX credit report on XX/XX/2024 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 ).

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 ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate orincomplete or can not be verified, the consumer reporting agency shall ( i promptly delete that item of information from the the of the consumer, or modity that item of intormation, 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. ) of any information an item of the consumer. 


Opened : XX/XX/2024 XXXX XXXX
Consumer complaint received 2020-02-29
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: EQUIFAX, INC. (GA)

After reviewing my XXXX  Credit Report my account status displays as closed with an error in number sequencing with late payments the account is satisfied the company stated once paid the tradeline will be removed the update status is XX/XX/2020, according to the FDRA the tradeline is compromising my payment history is reporting illegally compromising my credit score affecting my creditworthiness which interferes with obtaining and establishing ongoing credit.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My accounts was never late! I have had exceptional payment history with 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

submitted a dispute to the XXXX XXXX where the errors appeared. I did this [ online/by mail/by phone ], ensuring I included all relevant information and supporting evidence. 
In my dispute, I clearly identified each incorrect item and explained why it was wrong. I also referenced XXXX XXXX. 
XXXX XXXX to emphasize the importance of protecting my personal information and ensuring accuracy. I also have proof from the court of XXXX XXXX that they do not provide credit reporting agencies verification information on consumer reports
Consumer complaint received 2024-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (VA)

Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no right to report anything using my personal information 15 USC 1681 4.
Consumer complaint received 2017-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (CA)

I currently carry a large balance, over {$13000.00}, on  a US Bank consumer credit card which I h ave had in good standing since  XXXX . Most of the balance owed is on cash advances, which I took in  XXXX  to help fund a business startup. Since  XXXX , m y FICO credit score , which I track meticulously, has increased by more than  XXXX  points and is currently near  XXXX . Despite this, and despite my other credit card companies having lowered my Variable APR significa ntly, US Bank  is charging me 22.74 % on purchases and 24.74 % on cash advances. When I contacted cardmember services to ask if the bank could lower my rate, given the positive change in my credit and length of time I have had the card ( and never once had a 30 day late payment in over 13 years ), I was told by a supervisor,  XXXX , that my APR has been frozen at 22.74 %. What was especially troubling, is that another customer service rep  at US Bank me ntioned earlier in the same phone call that there was an offer to lower my rate on my existing credit card to 19.99 %, told me that I was eligible for it, then retracted and said my APR was frozen at 22.74 %, so the offer would not apply. When I asked for the reason for my APR being frozen at such a high rate, the supervisor said I was sent a letter as to the reason  one ye ar ago ( which I did not recall receiving ). When I asked if he could retrieve a copy of it, he said he could not. He also offered no explanation as to why my APR has been frozen at such a high interest rate, and why it can not be adjusted downward to a lower rate based on my good credit. Meanwhile, as you can see i n the US Bank  Credit Card statements I have attached, the total interest I am being charged is going up each month, even as I pay the balance down.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 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 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 XXXX 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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2017-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

Investor is Everbank AND Servicer is XXXX. My loan file has issues with dual tracking, mal practice and employee incompetency. I submitted my file to XXXX ( XXXX XXXX XXXX XXXX XXXX ) for review for a possible loan modification, sometime in XX/XX/XXXX. It takes this servicer such a long time to acknowledge reciept of submitted documents. Finally on XX/XX/XXXX my servicer deemed my to be complete and sent me letter that it would take them 30 days from then for me a response. XXXX has its own timeline. On XX/XX/XXXX, which is 30 days later, they sent my file to underwriting. meanwhile I had scheduled foreclosure trustee sale on XX/XX/XXXX. The entire time to this day, my home has been on active sale and marketed thier attorneys XXXX XXXX and XXXX XXXX XXXX, who are not properly supervised by XXXX. On XX/XX/XXXX, the foreclosure attorney website reflected an active sale with bidding instructions of {$500000.00} minimum bid. On XX/XX/XXXX, I was so furious and talked to an employee, who could not explain what was going on, even after consulting with their supervisor. Even though they postponed the foreclosure sale date to XX/XX/XXXX, My loan file is still in review with an active sale date. I communicated and wrote to my servicer, to date I can afford my monthly payments comfortably and make my payments on time. I wish to keep my primary residence and will do what ever it takes for my and family and the rest of the tenants. I wish XXXX XXXX the investor to my loan sends it somewhere else for servicing. My home is also located in the XXXX XXXX area declared by Fema on XX/XX/XXXX for the natural disaster floods. This situation caused furthermore financial harm to my family.
Consumer complaint received 2024-08-16
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. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXXXXXX 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

XXXXXXXX XXXX put 3 inquiries on my ChexSystems report without my consent. I have reported this to Chex Systems through their normal dispute process 3 times but they are not willing to look into this honestly. Last time I spoke to a ChexSystems supervisor and she insisted that this time ( the 3rd time ) they will investigate it properly. But everytime, they send me the same form letter which states " The source has verified the information they submitted to be accurate and complete. As a result, it will remain on file at ChexSystems ''.

Please note that the bank has provided ChexSystems no proof that they asked for my consent. Not even that, the bank is not even saying in writing that they asked my consent. All they do is use the above stated vague language and ChexSystems closes the dispute in bank 's favor. ChexSystem 's dispute resolution process is a sham, their employees are outsourced and dont even know the basics of the Federal Fair Credit Reporting Act, so calling them is another futile exercise.