davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT 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. 1. XXXX XXXX  Acct. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX  ACCT # : XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX. XXXX / XXXX XXXX  ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX. XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # : XXXX XXXX : XXXX XXXX XXXX XXXX  ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX  ACCT. # : XXXX XXXX These accounts has violated my rights. 15 U.S.C 1681 SECTION 602 A. Clearly 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 ) ( X1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2024-06-11
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was a customer of XXXX for years never having a late payment once with them. I contacted them to get a late payment remark removed from my credit report especially since my payment history is in perfect standing & has never been late. They then said I needed to speak with the credit bureaus ( XXXX XXXX Experian ) to get it resolved which I have.. the credit bureaus have said that I need to resolve it with XXXX. I am being sent in circles about this & have sent letters to each of them on XX/XX/year> to get this late payment removed from my credit report & have yet to hear back from them. These are incorrect & unlawful remarks being represented on my credit report & I am declaring that they get removed immediately.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX was never late! I have had exceptional payment history with 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 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 myaccount 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 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 2024-04-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This is an addendum to my complaint about portfolio recovery. 

I called XXXX  XXXX directly to get information to make sure I was thinking of the correct XXXX XXXX XXXX account. XXXX  XXXX verified the account was closed in XXXX and was charged off and sold to portfolio recovery in XXXX. 

In XXXX after 7 years of ceaseless phone calls from portfolio recovery I spoke to a man who told me they would basically hunt me down to get their money. I told him I was not interested in doing business with them and he further threatened me and even though I asked him to take me off their list they continued to call every few days. 

The woman I spoke to today verified that the notes said I was not interested in talking to them and it went back to XXXX yet they kept calling. 

It is now XXXX  years since the account was closed. XXXX  years since XXXX  XXXX sold it and that equals XXXX phone calls at a XXXX  weekly rate. AFTER ASKING MULTIPLE TIMES TO BE REMOVED. 

According to experian it has not been on my credit report since XXXX. Yet portfolio recovery threatened me, claimed they would sue me and go to the ends of the earth to get whatever money they wanted from me. 

At this point I want money from them and honestly I want them to give it willingly as they would have me do. Anything less is not acceptable. 

If I need to get a lawyer to sue them I will. This has waisted my time in unspeakable ways and I want reparations to the limit. 

They called over XXXX times in the past XXXX  years. Over a debt thats not on my credit report yet they claimed it was.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TRANSUNION has failed to grant access to my credit report available for more than XXXX weeks to include annualcreditreport.com, transunion.com, and XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have mailed in several disputes all of went unanswered. Whenever I attempt to dispute online I am told this option is not available for me. Why? ( See attachment ) I am being discriminated against due to my race and ethnicity. Whenever I attempt to call I am routed to XXXX different people and then hung up on repeatedly over and over again. For example, I disputed the attached collection trade line and am never able to get it resolved. This is an ongoing problem and one that may need another agency to also look into for the potential discriminatory practices. 

Allow me to dispute online and resolve XXXX that I have submitted in a timely matter required by law. I am XXXX and can not always mail items and calling gets me nowhere which call records will show.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Premier Auto Credit (CA)

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. 
Premier auto credit account XXXX Open XXXX closed XXXX Balance XXXX XXXX XXXX XXXX Original creditor Balance Balance updated PREMIER AUTO CREDIT {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and XXXX XXXX XXXX of a 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
Consumer complaint received 2024-08-06
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. (MD)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2023-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I inherited a house when my father died. I was not aware that there was a small home equity loan with Bank of America. I was not contacted for 3 years regarding this loan despite BOA having all of my information as the beneficiary of my fathers trust. When I was finally contacted the house was in foreclosure. I tried to pay the loan right away. I have diligently been trying to pay this loan for the last year. I have run into one roadblock after another from Bank of America. Most of these have been as a result of BOA not providing accurate information to me or by BOA mailing information to the wrong address even though each and every phone call begins with me confirming my address. I have gone to the bank 3 times to wire the money and each time the information I was given was incorrect and I was not able to wire the money. In the time I have been working on this the amount I owe has increased by {$4000.00} in fees and interest. I believe they are delaying this to get more money from me. I have stacks of documentation as proof and there are hundreds of recorded phone calls initiated by me attempting to pay this bill. I have even contacted the local BOA branch and was told I can not pay the money there. I am asking for assistance in getting the added fees and interest removed and in settling this debt be me paying 80 % in a lump sum. I offered to pay 80 % of the loa as a settlement in a letter but BOA put up road blocks by requiring more and more information from me and offering no assistance in making a settlement. I have been in contact with the borrower assistance team at the law offices that BOA hired, most recently today, and have requested the reinstatement amount and information regarding where to wire the money, but the response continues to be that as soon as they have the information it will be mailed to me. Each day that this is delayed is costing me more money and that does not seem fair as the delays are not on my end. I do not know where to go from here and am asking for any help available. Thank you.
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (TN)

I received notification on XXXX for {$230.00} of debt owed that I did not know ; Caine Weiner violated the law and placed it on my credit report on XXXX without prior notification. 

Collections CAINE & WEINER Opened XXXX {$230.00} I did not know of this and demanded that it be removed from my credit report. I had no time to dispute this and would like for them to pay a fine to me of {$1000.00}.
Consumer complaint received 2024-06-11
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. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me.

Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My husband and I struggled to pay our mortgage at the end of XXXX. After being delinquent for 60 days, we withdrew almost everything from my husband 's XXXX to get caught up. XXXX XXXX never once offered us information about Loan Modification. We had to wire over {$9000.00} to XXXX XXXX to ensure we did not go into foreclosure. Due to the amount of time it took to secure our XXXX, as XXXX required letters from XXXX XXXX and other documentation, the amount we owed kept changing, making it more difficult to catch up. Finally, in XXXX or XXXX of XXXX, a XXXX XXXX finally mentioned loan modification, which we qualified for. The {$9000.00} was applied to the next 4 months of mortgage payments, ensuring we are caught up until XX/XX/XXXX. However, XXXX XXXX continues to report us as being late. We were told via phone that they would dispute the last 3 ( now 4 ) months of missed payments. Our credit score is in the XXXX, and it's very frustrating. In our opinion, XXXX XXXX is a terrible mortgage company. They are not transparent or truthful. We filed a dispute with XXXX on XX/XX/XXXX, but nothing has been updated on our credit report. Yesterday, XXXX stated that our dispute was closed on XX/XX/XXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX and the CRA violated 1681e ( b ) of the federal Fair Credit Reporting Act. The FCRA requires consumer reporting agencies, such as XXXX, to follow reasonable procedures when preparing... credit report. Section 1681e ( b ) also requires the plaintiff to present evidence that the credit report is inaccurate.Capital one has charged this account off for the amounts of {$2600.00}. IRS policy for charges off for XXXX or more company must issue a 1099C this is considered earn income for the consumer and must be reported to the IRS by the Consumer. Im requesting XXXX XXXX stop reporting inaccurate to all 3 CRA and delete from Credit Reports with in 30 days.
Consumer complaint received 2024-06-18
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: EQUIFAX, INC. (TX)

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 2023-03-14
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: Experian Information Solutions Inc. (AL)

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 XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXXXXXX, 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 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.