davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
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. (NJ)

On XX/XX/XXXX I spoke with XXXX from XXXX at XXXX regarding my account. Per XXXX I made a payment in XX/XX/XXXX and XX/XX/XXXX and my loans were in forbearance during XX/XX/XXXX and XX/XX/XXXX. Attached is proof of the 2 payments I made in XX/XX/XXXX, one for XX/XX/XXXX and an early payment for XX/XX/XXXX. So, how can I have a 90 day late payment in XX/XX/XXXX? Please forward me the documents you have in my file proving this late payment is accurate. 

Under section 609 ( a ) the FCRA requires credit reporting agencies upon request of the consumer to clearly and accurately disclose all consumer information in their file at the time of request and the files requested must be clear and understable to the consumer.
Consumer complaint received 2024-09-14
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of XXXX XX/XX/year>, XXXXDate  of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXDate of Inquiry XXXXXX/XX/year>
Consumer complaint received 2024-10-02
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. (CA)

In accordance with the Fair Credit Reporting Act, this consumer reporting agency has violated my rights under 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This states that transactions are not included in the report. 

Please remove all late payments from : XXXX XXXX : Account number XXXX This account is paid in full. Please update payment history to paid as agreed never late ( XXXX  ).
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00}
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} XX/XX/XXXXXXXX XXXX Balance : {$2800.00}
Consumer complaint received 2024-08-30
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

My account was labeled as closed with Comenity VS on XX/XX/year>. My last time using the card was XX/XX/year>. I received no prior indication that my account was to be closed. I have a great credit score so it could not have been due to that. On XX/XX/year>, I called Comenity requesting reason for cancellation and once the customer service representative found my account, he stated " oh yes, I see it was closed. Let me look at what the reason was. '' Then, proceeded to mute and leave me on " hold '' /in silence for over half an hour until I hung up myself. I still have not received any information on why my account was closed. I do not care as much about the account as I do the negative impact on my credit for closing one of my longest-standing credit card accounts.
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: REGIONS FINANCIAL CORPORATION (LA)

Regions bank received my endorsed settlement check from XXXX  XXXX XXXX on XX/XX/year> in the amt of {$76000.00} and took XXXX months to disperse the XXXX draw to me of {$40000.00} I was told the remainder would come after inspection. That has been completed and received by Regions and now the say they have to approve the release of funds at the upper mgt level. 
I am tired of fighting this and I need help! They have passed me around to XXXX different people at some call center for customer service with no way to speak with supervisors or mgt. 
I feel they have invested these funds and will profit from my funds and I need my money now! I have done everything asked of me in timely fashion and all I get back is delay and circle talk! At present they owe me about {$7500.00} and my attorney about {$17000.00}. I dont intend to wait another 2 months to receive money that doesnt belong to them while they profit from it. PLEASE HELP ME!!!!!
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (TX)

CLUE XXXXXXXX XXXX XXXXXXXX  are both reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX any other information is incorrect. You have an obligation to report account information. You are also required to provide me with a report every year and you have not. There is so much information you could potential have wrong causing me damages.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NY)

THIS ACCOUNT WAS ORIGINALLY WITH XXXX XXXX  IN XXXX, THEN TRANSFER TO XXXX XXXX, THAN XXXX XXXX IN XX/XX/XXXX, THEN TO XXXX XXXX, THEN TO RUSHMORE LOAN SERVICING, THEN BACK TO RUSHMORE LAST XXXX. 

XXXX XXXX HAS FLAGGED THE ACCOUNT AS 30 DAYS PAST DUE THE ACCOUNT IS CURRENTLY ON AUTOPAY FOR {$1000.00} THERE WAS NEVER ANY DOCUMENTS SENT TO ME VIA EMAIL, OR CERTIFIELD MAIL STATING THAT THE MORTGAGE WAS TRANSFERRED TO ANOTHER CREDITOR. ALSO I NEVER RECEIVED ANYTHING FROM MY BANK THAT A PAYMENT WAS RETURNED. 

THE PAYMENT IS DUE ON THE 15TH OF EACH MONTH. PAYMENTS WERE DEDUCTED TWICE LAST MONTH ON THE 15TH OF XXXX, AND THE 26TH OF XXXX, THEREFORE HOW AM I LATE? 

SPOKE TO A CUSTOMER SERVICE REP ON WEDNESDAY XX/XX/XXXX AND THEY SAID THAT THEY DID NOT SEE A 30 DAY LATE PAYMENT ON THERE END BECAUSE OF THE PAYMENT BEING DEDUCTED TWICE IN ONE MONTH.
Consumer complaint received 2024-09-14
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. (NY)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: REMAX (NJ)

XXXX XXXX and XXXX XXXX of remax improperly obtained and shared my medical information without my consent. They also attempted to coerce me into signing a cease and desist letter. Additionally, I believe they engaged in fraudulent conduct, taking money from me under false pretenses
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

They keep refusing my dispute and making my account go negative telling me to resolve the issue with the merchant but I'm showing them that the merchant are known scammers and they're ignoring me and not helping me to resolve the issue. They charged me to buy an item and then took the item back after the 2 week warranty date and when I contacted the merchant about my purchases and items they keep telling me they cant help me since the seller took my money already and they ignore me and won't give me my money back. 

I showed XXXX XXXX XXXX multiple times that this company scammed me and they still won't do anything to help giving me the same response to solve the issue with the merchant but how can I do that when they ignore me constantly and i've shown them proof of this same exact issue happening to other people as well. 

They're also conducting illegal activity by faking buyer reviewers and automatically making accounts do reviews when you don't do them which is fraud and illegal yet TD BANK N.A ignores this as well.I 've shown my bank proof multiple times that this company XXXX XXXX is a scamming company that does illegal activity on the buyers such as writing fake reviews on the buyers behalf to make it seem like people are getting what they paid for when in reality they arent.
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (FL)

This company is harassing me on a daily basis from morning to evening by calling me repeatedly non stop every 5 minutes, 7 days per week since XXXX XX/XX/year>. However, they never leave me a voicemail.
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CA)

I sent a transfer through remilty on XXXX XX/XX/year> which the company promised to transfer within 10 mins and shower the transfer as completed while the recepient bank did Not receive it on checking with them all they have to say is we are working on it and it was an urgent transfer to family. All they keep Saying is we working on it and its my hard earned money. still got mo refund been 4 days they keep asking for more time and saying it is completed. I have provided them all the bank statements they asked for i am clueless whats gon na happen with the money. I keep on contacting them al they say is they need more time please help me get my money back
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company (ME)

They are telling me I have to pay a {$150.00} free to a broker in order to cancel my PMI. I owe XXXX my home values at XXXX and Ive owned it since XXXX.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account # XXXX was deleted from XXXX on XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials.

( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, 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. 
This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments.

Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.
Consumer complaint received 2024-09-14
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. (NY)

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. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX 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.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Credit card - PayPal Credit Card Issue - credit companies are steering or unwittingly fleecing people with protection plan fees This isnt the first time Ive seen this this year. I noticed this in my Rooms2Go account as well. Asked my girlfriend to look at her Room2Go account and she was also being charged for payment protection plans she didnt opt into.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Consumer complaint received 2024-08-30
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: TOYOTA MOTOR CREDIT CORPORATION (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

My credit file/report is furnishing multiple names, addresses, and wrong employment information. I request that the credit reporting agencies update my credit file to reflect my proper address, one name, and correct employment. I was told that those were credit history and can not be removed. I informed the agencies that the previous addresses are non-mailable and improper. I informed that of my correct and true name.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

I looked at my credit report and noticed that there were fraudulent accounts, incorrect public record reporting, as well as, numerous errors in the addresses, telephone numbers, and employment information on my credit report. I then filed several disputes with the furnishers of the information by way of the credit reporting agencies. I then sent additional information to the creditors after they requested it. I did inform them that the items were because of Identity Theft and I also sent in the proper documentation in the form of a Federal Identity Theft Report, A Dispute Affidavit signed and notarized informing them of what I was requesting, per my rights as a consumer under the FCRA ( Section 623 ( a ) ( 6 ) and Section 623 ( a ) ( 2 ) ) ( Section 605 ( B ) and Section 605 ( f ), the accounts that I was requesting to be blocked or deleted because of the ID Theft, ( Section 623 ( b ) ( 1 ) ( E ) ), as well as the remedy for the effects of the Identity Theft. Both the credit reporting agencies and the creditors themselves. received copies of all this information and for the most part, they both basically ignored the laws of the Federal FCRA 15 USC Section 1681-1681y, Section 623 ( a0 ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Reporting Inacurate Information 623 ( e ) Accuracy of Information Provided by CRA and the finishers of said information.623 ( a ) ( 2 ) Duty To Correct and Update Information These are some of the laws that they have broken.