davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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)

I recently reviewed my consumer report and discovered an erroneous late payment entry on an account where I have always maintained timely payments. Specifically, the account in question is XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), with late payments reported for XX/XX/year> and XX/XX/year>. 

As outlined by the Fair Credit Reporting Act, consumer reporting agencies are obligated to ensure the utmost accuracy in reporting consumer information. I have never been late on any payments for this account and did not give written consent for the reporting of these late payments. 

I kindly request that you investigate this matter promptly. Please provide evidence of any late payments, including statements supporting the claim, and proof that I authorized the reporting of this information. If such proof can not be provided, I expect the payment status to be corrected to " on time, '' reflecting my actual payment history.
Consumer complaint received 2024-09-05
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. (NJ)

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 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NC)

Sunrise Credit Services XX/XX/XXXX Dispute for XXXX Mobility disputed it with XXXX twice and they did not remove it. Called Sunrise and they are supposed to be sending a fraud packet which they have not. This is not my debt, I have never lived at the address tied to this bill and I have never had XXXX Mobility. 

Account name SUNRISE CREDIT SERVICES Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$1400.00} Balance updated XX/XX/year>
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-09-05
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. (MS)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some incomplete and inaccurate things. 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 ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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 2024-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (TX)

I recently opened up a XXXX  credit check account to find out I have a medical bill I never took? 


Account info Account name GRANT MERCANTILE AGENCY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-06
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. (HI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Express Recovery Services, Inc. (FL)

NOTICE TO AGENT IS NOTICE TO PRICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice in pursuant to 15 USC 1602 ( k ) that your Company never gave an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made a uniformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority or such use and form which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692 ( K ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME.

If you accept my request, i will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. 

sincerelyXXXX XXXX XXXX 

All Rights Reserved Without Prejudice.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (FL)

NOTICE TO AGENT IS NOTICE TO PRICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice in pursuant to 15 USC 1602 ( k ) that your Company never gave an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made a uniformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority or such use and form which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692 ( K ) CAINE & WEINER COMPANY INC XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 

If you accept my request, i will not escalate this matter to XXXX XXXX. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. 

sincerely, XXXX XXXXAll Rights Reserved Without Prejudice.
Consumer complaint received 2024-09-05
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-09-28
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. (VA)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-09-06
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. (TX)

What happened I am a victim of identity theft. 
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 1. 
XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), 2. an auto loan account opened at XX/XX/XXXX XXXX under the account number ( private ), 3.a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and 4. an auto loan account opened at XXXX XXXX lenders on XX/XX/XXXX with a balance of {$45000.00} ( private ) that appears related to the aforementioned 5.personal collection loan account opened at XXXX XXXX {$500.00} 6. XXXX XXXX XXXX {$1100.00} This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (MI)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc. (TX)

The agency is div Adj services is third-party I'm filling under ( 15 US code 16601and under 15 US code 1692c and 1099old c and a I am requesting a immediate deletion of all reporting made to any consumer reporting agencies XXXX, XXXX XXXX and XXXX. You must cease collections effect until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. I am requesting this because have had different companies reach out to me about this same alleged debt collection sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX dob XX/XX/year> ssn XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC (TX)

I received an email from Credit Control saying they received my account for the XXXX XXXX XXXX charge and that was delinquent in collection status that needed to be taken care of I had it with another company but it was paying out payments but they dropped me I guess and it didn't continue with autopay some for some reason out of my control but I paid it in full on XX/XX/year> for {$210.00}. I I did receive an email confirmation saying they received my payment I called them directly and they said that it would take about a month but they would be contacting the credit bureau and getting that taken care of off my credit report and the additional users which is my other half because it was on his as delinquent credit report also but it would be taken care of and it would fall off my credit report and be no longer delinquent on my credit but is not is still on there almost XXXX  months later as derogatory and it is unacceptable I take care of it immediately with them. It was Credit Control LLC I can provide the emails if need be I did dispute it on XXXX but nothing has been done I think I also disputed on the XXXX website also nothing has been done thank you if you need the additional users information I will be able to provide that also thank you for your time
Consumer complaint received 2023-07-20
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. (TN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-23
Product: Mortgage — Other type of 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: Amos Financial LLC (GA)

I purchased this bank owned own home from XXXX XXXX a few years ago directly from the bank itself. The property had heavy mold and asbestos and was unfit to live which was not disclosed to me at or prior to purchase by the bank. My child and myself were feeling unwell constantly. The plumbing system was not in working order and backed up sewage into the property. During this process the heavy mold and asbestos in the property was discovered. The mortgage company never offered any type of resolution. We were not able to safely occupy the property. Spent nights sleeping in various places. Even attempted to file bankruptcy. Attorney also advised me to contact the bank for them to make some type of amends, loan modification whichever. They refused. Foreclosed. I was finally able to get one person on the phone who told me they received my prior emails for Covid or any other loan modification assistance and replied that they had no programs. The bank told me they placed the home on auction. I owe XXXX. No one bid at the auction the bank says and the bank told me they bought back the loan they hold themselves for XXXX when the property 's market value is XXXX but still would not work with me at all.
Consumer complaint received 2023-04-07
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. (SC)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-09-05
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : SXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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.