davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Paramount GR Holdings, LLC (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-08
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. (GA)

I am writing to file a formal complaint against the credit reporting agencies, XXXX XXXX, XXXX XXXX, XXXX, and Experian, regarding fraudulent, inaccurate, incomplete, or unverifiable accounts, inquiries, and addresses on my credit report. I have attempted to resolve these issues directly with the Consumer Reporting Agency on numerous occasions, but have been unsuccessful in obtaining a satisfactory resolution. I am writing to dispute the inaccurate, incomplete, and unverifiable information that appears on my credit report, which was recently obtained from your agency. The inclusion of this erroneous information is adversely affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal statutes, including the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Credit Reporting Act ( FCRA ). 
I have identified the following issues with the information reported on my credit report : Inaccuracy : The information reported on my credit report is inaccurate and does not reflect my true financial status. 
Incompleteness : The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history. 
Unverifiability : I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency. 
I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report. I also request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.
Consumer complaint received 2019-07-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes with TransUnion and XXXX. This concerns a late payment report by XXXX XXXX XXXX in XX/XX/2017. Creditor agreed to remove information from my credit report. I have never been behind on payments and account was paid in full. Though multiple disputes have been filed with both credit reporting companies, nothing has changed. The most recent dispute was over 2 months ago with no information provided. Previous disputes reported that the information would be removed. Thus has not happened and it is still impacting my credit report. 

I request the information be removed immediately or documentation provided showing the account balance, amount paid to date, beginning balance and minimum payment. We have never been late on a payment as we paid in excess of the minimum due at the time of this claim.
Consumer complaint received 2024-06-08
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 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, 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.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX 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 2024-06-08
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)

i am in disagreement with the account listed below which still appears on my credit report even after your investigation..i would like these items re-investigated. the inaccuracies are highly injurious to my credit score. 

XXXX  acct # XXXX In accordance with the FCRA, public law 91-506, title VI, section 611 15 usc 1681, please provide me with the NAMES AND THE BUSINESS ADDRESS of each individual with whom you verified the information above so i can follow up.

please send me an updated copy of my credit report after your thorough investigation
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (IL)

Robinhood locked my XXXX and is taking an unbelievable amount of time to unlock it. 

They have my XXXX tied up for no reason whatsoever and request an insane amount of information just to unlock it ( drivers license, passport, bank statement, etc. ). They have yet to unlock it. 

I would be afraid to invest with Robinhood or leave my money or digital currency on the app.
Consumer complaint received 2024-06-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CrossCountry Mortgage LLC (SC)

XXXX XX/XX/year> I closed a contract to build XXXX XXXX using my VA loan it was to be converted to permanent loan after 12 months XXXX XXXX XXXX XX/XX/XXXX {$280000.00} was paid to XXXX XXXX XXXX XXXX  The builder breached contract around XX/XX/year>. I contacted the mortgage company I kept them informed from XXXX XX/XX/XXXX to present. I was told that the contract was between me and builder and they could not make him complete work. I have been unsuccessful in getting lawyer. I did have attorney send out letter from the XXXX XXXX legal but builder didn't respond, I submitted complaint to XXXX  XXXX XXXX XX/XX/XXXX no response from builder cased was close after several failed attempts to reach builder. I contacted XX/XX/XXXX In XX/XX/year> in XX/XX/year> I was told it was a contract issue out of there scope to investigate. I provided lender with copies. I reached out to XX/XX/XXXXXXXX department XXXX XXXX I was told nothing they could do I have to get attorney. Meanwhile I received email on XXXX XXXX the lender stating I will be in default if the construction not completed by XXXX XX/XX/year>.
Consumer complaint received 2024-06-07
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)

Upon reviewing my credit profiles, I've uncovered inaccuracies and now seek Metro-2 compliance for my credit report. I insist on the removal of any challenged or disputed misinformation. Furthermore, I demand that the bureau authenticate the authenticity of all federally composed legislative documents related to the challenged account allegations. Failure to comply may result in civil actions on my part.

I'm kindly requesting verification of certain items on my credit report and would appreciate physical proof of verification. Additionally, I'm requesting a complete credit report to ensure accuracy. I'm grateful for the prompt attention and cooperation in this matter.

I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness.

I understand that Metro 2 data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX  XXXX XXXX  XXXX  | XX/XX/XXXX XXXX  XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

My account with all the companies that I included on the document 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 in the months that I was late 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.
Consumer complaint received 2024-06-07
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. (VA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-07
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and XXXX XXXX XXXX. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (CA)

I recently discovered XXXX debt items on my credit report from Elan Financial Services, which I do not recognize. 
On XX/XX/year>, I sent a debt validation dispute letter to Elan Financial Services XXXX XXXX XXXX XXXX XXXX, MO XXXX, requesting validation of the debts as per 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I included a copy of my drivers license and Social Security card to verify my identity. 
Despite this, I did not receive any response or notification from Elan Financial Services regarding my dispute. This failure to respond violates my federal rights under the FDCPA.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-28
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. (VA)

My name XXXX 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 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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX 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 me 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 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the erroneous information on my credit report : XXXX XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERAL PROTECTED CUSTOMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHT OF PRIVACY. ACCORDING TO THE FOLLOWING FAIR CREDIT REPORTING ACT LAWS : 1. 15 U.S.C 1681 SECTION 2 ( A ) STATES I HAVE THE RIGHTS TO PRIVACY.

2. 15 U.S.C 1681 SECTION 604A ( 2 ) IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

3. 15 U.S.C. 1681C SECTION ( A ) ( 5 ) STATES NO CONSUMER REPORTING AGENCY MAY MAKE MY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING TERMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORM OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDACATE THE REPORT BY MORE THAN SEVEN YEARS.

4. 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 ACCURATE.