davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-15
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. (PA)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-08-22
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'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2023-10-30
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: EdFinancial Services (FL)

XX/XX/XXXX : Payment received from student loan company then returned apparently from bank which bank has zero record of, called them and verified that they did not return anything. 
XX/XX/XXXX : Same as above, interest is accumulating when I have appropriately made my payment. There system is terrible and they not contacted me despite me reaching out! 

XX/XX/XXXX : called XXXXXXXX XXXX  and they have no record of ed financial even attempting to withdraw a payment so the student loan servicer is lying and making my credit score go down and interest accumulate
Consumer complaint received 2024-05-15
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)

More than one issue. The information on my credit was merged with someone elses because our social security numbers differ by one digit. I got his bad credit on my credit and it affected myself and family greatly. Had to call and report items for over a year and it was finally removed all of the items but my credit is bad still due to this even after a year or 2.

The other issue is I have disputed a lot of other items on my credit as well and they are not removed. Along with negative items that were not removed and stayed on for longer than allowed. Which affected me in getting another vehicle.
Consumer complaint received 2024-05-15
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. (WA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-07-15
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. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-15
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)

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects above that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.
Consumer complaint received 2024-05-15
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account number 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

I recently sent out letters to the Consumer Reporting Agencies about inaccurate items on my consumer report and they came back verified. However : I still never gave them no written content to furnish this information on my consumer report. They also violated 15 USC 1681i 5 & 7 and verified these items, and violated 15 USC 1681a ( 2 ) ( B ). The items have to be deleted BEFORE the full investigation is complete. The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine.

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer.

Here are the items that need to be DELETED from my report. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$3700.00} XXXX  XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$5900.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX  XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$6100.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX  XXXX {$5800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX  XXXX XXXX {$280.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to formally dispute the balance on my account related to the repossession of my vehicle. My vehicle was repossessed by XXXX XXXX and subsequently sold at auction. Despite this, the balance on my account remains unchanged, reflecting the original amount owed for the vehicle prior to its sale. I have not received any communication regarding the proceeds from the auction or any adjustment to the account balance to reflect these proceeds. 

I believe there has been an oversight or error in processing the proceeds from the auction sale. According to my understanding, the auction sale proceeds should be deducted from the total balance owed, and any remaining balance should be communicated to me clearly.
Consumer complaint received 2024-05-15
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)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-05-15
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

in XXXX the city of XXXX XXXX old firehouse property which the buildings department did not maintain fell into my property damaging it. I informed the mortgage company and made a claim with the insurance company they obtained for my property for me. The insurance company did not honor the insurance policy for the claim against the City of XXXX XXXX and I took the City of XXXX XXXX to court. The city lost and were found guilty of XXXX  onto my property. During that time the building XXXX illegally tore my house down during litigation and destroyed the evidence. The insurance company did not honor that claim as well for malicious vandalism. The mortgage company knew I was in litigation with the XXXX of XXXX XXXX yet still submitted to credit reporting companies that I had late payments and put negative remarks on my credit report. I have asked repeatedly that they take those remarks and reports off my credit report but they have ignored me. They illegally foreclosed on the property taking me to court without notification of court date so I could come and have my judicial rights. Now that they foreclosed on the property it has been more than 60 days since judgement and they are still sending me mortgage payments and making negative reports against my credit. The foreclosure occurred in XXXX. I tried many ways to rectify this but keep getting blown off and ignored.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (GA)

I paid my car note early and made XXXX payments XXXX on XX/XX/XXXX and XX/XX/XXXX. First payment was XXXX, second payment was XXXX. My payment was not due until the XXXX. I made a payment towards principal of XXXX on XX/XX/XXXX. I then made a payment on XX/XX/XXXX of XXXX. Another payment of XXXX on XX/XX/XXXX. And a last payment of XXXX on XX/XX/XXXX. The XXXX I paid for XXXX nothing went towards principal. My daily interest rate is XXXX. The interest accumulated would be XXXX from the XXXX of XXXX to XX/XX/XXXX. There should have been at least XXXX towards my principal. They havent sent print out of accumulated interest either saying that it takes XXXX days.
Consumer complaint received 2015-08-10
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC (CA)

We are in foreclosure with Nationstar/XXXX. We have been in a lawsuit against them for bank fraud that started with XXXX. But they have been ignoring the lawsuit and adding more and more charges including their lawyers fees on us. Even though the banks broke the law several times. They are ready to auction our home off with no remorse for their braking the law. Our refinance was a highly predatory XXXX where the XXXX banker did paper shifting and filed the loan with only one name on it instead of both of us. Also lying about the terms of the loan. Sneaking into it a only interest clause. Then XXXX took over. Our mortgage was so high, it was difficult so we asked for help and was refused. But the bank would call when we were late but would never talk to the wife. And would not explain why. Finally a man from XXXX started to work with ( husband ). The bank never called again. this man convinced him he would have a new mortgage soon and to just wait. But instead we had a note put on the door that they were selling the house. We found out that someone had gone into the XXXX call log and changed our phone # to an old XXXX from before we lived in this county. That way the bank personnel could n't do their job and get a hold of us. We have been waiting for them to respond to a lawsuit but instead they are not responding. They are just going to again put our house up for sale. Even our lawyer has nothing to say. Our XXXX lawyer did the discovery and found a great deal of bank fraud.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NJ)

The company retaliated against me after advocating for my rights via regulation E and Z disputes, raising concerns about consumer rights violations, and informing them that my account on their platform was hacked and my information subject to cyber attack and theft! I also experienced violent and disrespectful phone calls with representatives and again after filing a CFPB complaint the company retaliated by closing my accounts!
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-05-31
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022