davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Unauthorized charges made not by me. 

My bank decline the claim They say because I turned in items that were me, there were over XXXX or more that was not me at all. Those are the ones I want payed for, the others were mistakes because the day I started the claim I was uncertain on what was me, and not me because of how everything reads on the online platform it does not say names it says, addresses, and abbreviated words. It was very hard to decipher, I spoke to over XXXX to XXXX agents to were nice and kind and were trying to help the other XXXX were very condescending and asking XXXX questions. If you dont pass the question test and answer XXXX of them wrong they denied the claim, the amount is {$4600.00} not counting insufficient funds in late fee charges
Consumer complaint received 2024-06-29
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-29
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. (TX)

I recently have had credit cards and loans opened in my name without my permission. All of these are unauthorized by me and should be removed immediately. 
XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX 2023
Consumer complaint received 2024-06-29
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.

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 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

Hi, Midland Credit started randomly reporting a balance on my account in XX/XX/XXXX. XXXX date on my XXXX says XX/XX/XXXX, and on my XXXX account, it shows XX/XX/XXXX. The balance started at {$900.00}, and it is now, as of XX/XX/XXXX, {$1000.00}. I have asked numerous times for debt verification from them, and they have not responded. I have never had an account with them.Please have them removed from all three credit reporting agencies immediately. 

Thanks, XXXX
Consumer complaint received 2024-06-30
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. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXk, NY XXXX Employer Identification Number : XXXX XXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document. 

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that XXXX XXXX XXXX delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

On XX/XX/2023 I logged into my account with Mr. Cooper online because I wanted to update my autopay amount. I noticed that the next scheduled autopayment was for XX/XX/XXXX and no payment activity, either pending or cleared, for XX/XX/XXXX was listed anywhere on the account. Not wanting to miss a payment due to a website error, I made a payment for the month of XXXX in the new amount I was intending to increase my autopay to, and then also changed my autopay amount, setting it up to start on XX/XX/XXXX. 

That payment cleared XX/XX/XXXX on my checking account. Then, later that evening, another payment for the old autopay amount was deducted from my checking account. To my knowledge, at that point they were not authorized to make that payment. I called the company on XX/XX/XXXX to request a refund. After communicating with the rep and getting a transaction history communicated to them on the phone through my bank 's automated teller, I was told that my refund request would go through and I would see the funds from the erroneous charge returned to me in 24-48 hours. 

On Thursday, XX/XX/XXXX ( 72 hours later ), the funds still had not been returned to my account. I called Mr. Cooper again, spoke with another representative. That representative told me the previous request had been rejected. No attempt to contact me about this rejection was made, so already there is a problem here. This time we got a representative from my bank on the phone with us to communicate a confirmation number for the funds withdrawn from my account in error. Once again, I was told that the funds would be returned to me in 24-48 hours. 

It is now Tuesday, XX/XX/XXXX, XXXX business days and XXXX calendar days later, and I still have not had my money returned to me from this erroneous charge, nor did I have any contact from Mr. Cooper telling me of any problem. I called once again, spoke with yet another representative, and they told me there was no record of my second request. Time I was told that the refund was issued by the person I was speaking to on the call and was given a confirmation number for the refund, but once again I am being told to wait 24-48 hours. 

I do not at this point have any faith that Mr. Cooper will actually return the money they took from me without my knowledge or consent. I can not imagine this is legal.
Consumer complaint received 2024-06-29
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-30
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. (GA)

This is the law : The following information in this report does not belong to me. My information has been compromised, or I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2023-04-09
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. (NY)

According to 15 US Code 1681A and 1666b, Experian is violating my consumer rights. 
This is my XXXX attempt at trying to resolve this issue with Experian. 

The account under XXXX Bank XXXX XXXX my transaction history in XX/XX/XXXX and XXXX as late. By doing so this is a violation under the subsections I listed above. 

Because this is my XXXX attempt and I have a record of these correspondences I will be seeking legal action if the late payments you are reporting are not removed.
Consumer complaint received 2024-06-30
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 and 15 USC 6802. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : 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. 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.

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.

15 USC 6802 - Obligations with respect to disclosures of personal information. I did not receive the required opt-out notice at the time I created the accounts that are being reported.
Consumer complaint received 2024-06-29
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (FL)

I recently lost my job and have had to accept a part-time job to pay my bills... this isthe only source of income I have been able to obtain. My company has promised full-time status and pay AFTER I have completed my part-time trial period. I have also applied for several other very promising jobs ( in my field of XXXX  years ) where they have expressed interest in me, but I am still waiting for further communication from them. I suspect a big part of the difficulty is my age ( XXXX yo ). I have called Synchrony-Amazon to explain this, but the offsite, " customer support '' call-center people have ZERO training and ZERO ability to do anything other than take payments and bully you to make payments you can't afford even AFTER explaining the situation to them. Here are my issues : 1 : It has been impossible to find a customer service number for Synchrony-Amazon where you can talk to a company-based person who can actually help with this issue. 
2 : The monthly payments for Amazon are almost XXXX  % of the balance and keep accruing. 
3 : The Amazon credit website offers the option to sign up for temporary lower payment or payment deferment options... HOWEVER, when you complete the process it just says " request could not be processed '' without any explanation or comment! 
4 : Despite calling and explaining to the call-service my circumstances ( and that they are TEMPORARY ), they continue to hound me and call me and email me about my overdue balance ( which is constantly accruing ) asking for payment! 
5 : Even in the emails from Synchrony about my overdue balance the RE : line or title of the emails are : Let us help! We can work with you! BUT the links in the email send you straight to the call-service that immediately begins pressuring you to make the full payment of the overdue balance!!!!! 
6 : Even though my issue is with my Amazon account, Synchrony has closed two other low balance store cards that they own ( which I have stayed current on ) and trashed my credit even further than it already was. It will take me a LONG time to recover my credit score from this -- up until now I at least had a CHANCE to regain my higher credit score. I called about the card cancellations and the person " explained '' that they had reviewed my debt-to-income ratio and decided that I had too much credit.

I sincerely WANT to make my payments and honor my debts, however, I just need the understanding that my part-time EXTREMELY low salary is temporary ( it is barely enough for me to buy groceries and gas and to keep up with my car payments and car insurance -- I can't be without a car... or allow my payments to lapse because it is my lifeline at this point ).
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 account. 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. Please delete the account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}
Consumer complaint received 2024-06-29
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. (IN)

I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-06-29
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 2024-06-30
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)

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. 

NAME OF ACCOUNT ACCOUNT NUMBER 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 XXXX XXXX XXXX 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. It states a consumer reporting agency can not furnish a account furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s2 ( 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 2024-06-30
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: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the inaccuracies on my credit report related to five alleged debts that Experian claims are valid. Despite my good faith efforts to resolve this matter, Experian continues to report these accounts, which I have identified as being due to identity theft. 

An FTC report is attached to this complaint. Experian is expected to adhere to the contents of this report and take appropriate actions accordingly.
Consumer complaint received 2024-06-30
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. (AL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-30
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I sent Experian explaining to them that I recently challenged the validity of a few accounts thats being reported on my Experian credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian company they verified these same accounts. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, however Experian never showed any proper documentation to verify these accounts. Since I sent Experian the proof that XXXX deleted the accounts that they found to be inaccurate, Experian has not resolve this issue and its been more than 30 days. I'm demanding EXPERIAN to DELETE these following accounts from my credit report immediately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX