davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
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. (OH)

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
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. (PA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2024-06-12
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. (GA)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> 2023
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX XXXX  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 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 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 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 2024-06-12
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. (TX)

Please see the XXXX bill attached for violation of the FCRA and update the payment history on the following accounts because you are reporting that I was 90 days late in XX/XX/year> with no prior late payments reporting. You can not report an account 90 days late without first providing when it was first late. I already sent a dispute letter over 4 months ago. I will attach the letter, which is dated, and time stamped. I am also attaching my credit report to show the 90-day late payment on the following ( 5 ) accounts : DEPT OF EDUCATION/XXXX  Account # XXXX Balance {$4000.00} Account # XXXX Balance {$2400.00} Account # XXXX Balance {$460.00} Account # XXXX Balance {$690.00} Account # XXXX Balance {$1900.00}.
Consumer complaint received 2024-06-12
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (CA)

Hello this debt does not belong to me after researching the debt I verified that the debt belongs to my ex husband & I had no knowledge of the debt nor did I give permission to open it. I have tried disputing multiple time with all XXXX credit bureaus with no success. I have never contacted the debt collector however, they continue to update the information. Which I have researched & found out that they are not allowed to change the dates of the original debt unless I have contacted them. Here is the information shown on my credit report. Please help me remove this debt. Thank you.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX account number:XXXX, Account name : US DEPT ED account number : XXXX, Account name : XXXX XXXX XXXX account number : XXXX, Account name : XXXX account number : XXXX, from my credit report because of multiple violations of the fair credit reporting act.

I looked at my Experian credit report on XX/XX/year> 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-12
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. (PA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NM)

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 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

This account " LVNV FUNDING LLC '' is fraudulent! I have NEVER had an account with XXXX XXXX who is the Original Creditor. I've completed a Police report and a FTC report ( which I've attached for record keeping purposes ). I intended to sue for the maximum amount that a Texas District  Court allows under " Civil liability for willful noncompliance '' if this isn't removed from my credit report immediately. I have evidence to proof my case in court without reasonable doubt.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (WI)

On XX/XX/year>, a vendor issued a refund to my Barclay Bank credit card in the amount of {$23.00}. Because I never received the credit to my card, I filed a dispute with Barclay Bank. On XX/XX/year>, Barclay Bank advised me that the issue had been resolved and I would see the credit on my next billing statement. This as never occurred, and beginning on XX/XX/XXXX, I called every single week asking why the credit was not yet reflected on my account. I kept being told that the person who answered the phone had no authority to actually do anything but that my concerns would be " escalated. '' Every single person I spoke to could identify the issue, the credit that was due to me, and could not give me any information. On XX/XX/XXXX, the person that I spoke to advised me that a manager would call me back and I should be sure to keep my phone at my side at all times. On XX/XX/XXXX, I called back and was told that there was never any request put through for a manager to call me back the previous week. I advised them that if I did not receive a call from a manager and if my refund was not processed asap, I would be filing this complaint. I received a call from an unidentified number on XX/XX/year>, requesting personal information such as my birthdate, social security number, etc. I hung up and called Barclay Bank, and I was ultimately transferred to an account manager named XXXX. She assured me that she had processed my refund a few minutes before my call and I would see it on my account in 24 to 48 hours. It has now been five days, and there is no refund posted to my account. I am really concerned because I returned an item to a different vendor a week ago, with an expected refund to this account, and I have not yet received that refund, either. Everyone apologizes, tells me they understand why I'm upset and frustrated, but every customer service rep who answers the phone states they are unable to do any productive or give me any definitive answers, and they can not transfer me to anyone who can. I did tell the account manager, XXXX, that if I did not receive my refund as promised, I would be contacting your agency.
Consumer complaint received 2024-08-03
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. (PA)

XXXX XXXX XXXXXXXX XXXX is reporting a closed credit card account. I applied for this card to see their offer but I did not authorize the opening of this account after reviewing their offer. I am not now, nor have an ever been, a customer of XXXX XXXX XXXXXXXX XXXX  and consider this account to be fraudulent. Does this company open accounts in peoples names without their knowledge often?
Consumer complaint received 2024-07-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

Department OF EDUC Educational with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. DP OF EDUC Educational with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. XXXX XXXX
Consumer complaint received 2024-07-31
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: M&T BANK CORPORATION (MD)

I have hard inquiries on my account from, M & T Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are holding me back from opening new accounts. I havent banked with any of them.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My name is 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. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}. Please delete
Consumer complaint received 2024-07-31
Product: Mortgage — FHA 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: SELECT PORTFOLIO SERVICING, INC. (LA)

After XXXX hurricanes, a freeze and a flood within a year, the home had to be completely rebuilt. During reconstruction, XXXX XXXX mortgage company held the majority of insurance settlement. The settlement was more than the remainder of balance of loan. unable to make mortgage payments while settlement showed a positive balance on mortgage payments due. Was explained to homeowner that those payments would be applied to the end of the mortgage. XXXX XXXX sold the mortgage to SPS ( Select Portfolio Servicing ). All payments to SPS were being made. XXXX payment was late, homeowner doesn't dispute that. Upon trying to pay note, was unable to make any payments. Foreclosure process was started based on history of previous mortgage company ( XXXX XXXX ) records showing missed payments. Multiple attempts to make payments have been made and SPS has refused all payment. They have stated that no payments can be made while in review. Review has now been over 6 months. More fees, interest, and debt are accrued with every day that passes. Homeowner has even attempted to make large lump payments. SPS refuses all payment attempts. State that only a complete lump sum payment can rectify the situation. Lump sum continues to rise the longer payments are impossible. Foreclosure and auction have been scheduled.