davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 
XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-13
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: LEXISNEXIS (GA)

On XX/XX/XXXX, I sent an email to XXXX asking do they report bankruptcies any credit reporting, agencies, credit bureaus, or XXXX  parties and I received a letter back saying, They do not report to any bankruptcies to any credit bureaus or third parties. So if thats the case. How did the credit bureaus verify that my bankruptcy is 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or which others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

According to 15 U.S.C. 1681 Action 602 A. States I have a right to privacy.

According to 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.

According to 5 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

On XX/XX/XXXXI send a total of {$500.00} to XXXX via Sigue Corporation. Money was supposed to be paid out to receiver on Wednesday XX/XX/XXXX. When receiver went to pick up money he was told there was no money available to pay out. I then went back to the Establishment XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX I went there and explain the receiver was not able to pick up money so I would like a refund. They then stated there was no refund money was not there. The owner of establishment would reach out to me. 
I have been back multiple times to request a refund and I keep getting the run around. I just need help recovering my monies.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (CA)

XXXX : first sending XXXX dollars to XXXX XXXX : sec sending XXXX dollars to XXXX XXXX : the store l went to closed forever ( l contact them to ask refund cuz the person in XXXX didnt receive the money, and l found they put a wrong address of mine, they told me contact the customer service, l called, they told me to go to the main store at downtown XXXX , they not allowed to refund during the phone ) XXXX : first time go to the main store at XXXX ( they helped me change the correct refund address of mine and promised refunded in 20 days ) XXXX : the sec time go to main store at dtla ( they told me the refund is in progress, just slow, duringXXXX, l called countless times to their customer service, they all no answer at all ) XXXX : the third time go to main store at XXXX ( they still told me is in progress, and this time they couldnt contact them either through the phone, they can only email them to give us a call back, and until now l never received a call from them )
Consumer complaint received 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Cornerstone Lending Group Inc. (CA)

We were trying to refinance our office building and were provided a letter of intent from our mortgage broker, She supplied multiple of these with different brokers and this was constantly changing. We had asked for an estimate multiple times from the mortgage company and was not provided one until final loan doc signing, This was the only document we had to work off of. Our funding was delayed for multiple internal bank issues and then we received the wire for our loan proceeds for {$34000.00} short of what we signed at loan doc signing because of an additional fee of {$33000.00} that was added. Were in the business and she said on our LOI this was the cost of the loan, now there's additional fees after closing without my approval The estimate I signed with Loan docs shows our proceeds to be {$320000.00} per the document I requested and remind you that this is the first estimate I have received after multiple requests I was then given a wire of the amount of XXXX, this was a difference of {$34000.00} with no notification or approval. After asking our Loan officer why I wasn't notified of this and that this is a classic bait and switch she had no response., I questioned why I wasnt informed that it wasn't on the estimate and where was this fee explained and broken out other than the only Estimate that I had seen with loan docs After the fact and funding the escrow and title company realized they didn't have consent of these changes prior to funding and asked us to now sign a corrected closing statement which I provided proof of this as well
Consumer complaint received 2024-08-30
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: EQUIFAX, 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 2023-10-19
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. (DC)

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXXXXXX XXXX  about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX to refund thousands of dollars from the error that was made. Ive never been late and I believed the XXXXXXXX XXXX  representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXXXXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXXXXXX XXXX  ( one has already been completed ). XXXX XXXX can schedule the payment if they want assurance. XXXXXXXX XXXX knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

I consolidated my federal XXXX XXXX in XX/XX/23 through XXXX and requested an IDR repayment plan. My loan was then transferred to EdFinancial for servicing. I then applied for the SAVE plan through the FSA website. EdFinancial has repeatedly denied my request for enrollment in the SAVE plan or any XXXX plan even though I have been assured by the Dept. of Education that I qualify for those plans. I have made several calls to their customer service dept. but have not been able to get an answer as to why I keep getting denied.
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NC)

XX/XX/year> date opened incorrect as well! Under Law 15 USC 1692c ( c ) without consent of the consumer given directly to the debt collector or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt! As stated Ive never affiliated with this company. As this account is reporting on my credit.
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I have released multiple payments from my XXXX XXXX XXXX XXXX balance. The payments have been Pending Institution Action since XXXX. I have called EdFinancial multiple times to inquire about my payments or an ETA of when it will be accepted and applied to my loan balance. I have not received any information other than to not worry. My last call, I was asked to allow 2 weeks to rectify and/or update on the payments and have not received any email correspondence as requested. 
My account is now 3 months delinquent due to this institution not accepting payments in a timely manner.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MN)

I closed a credit card with American Express in XX/XX/XXXX after they upgraded my card to a type I didnt agree on. 

The balance was {$0.00} and had XXXX pending items when I closed this account. 

In XX/XX/XXXX. They had reported that my balance was {$1.00} and that I am past due. 
This is incorrect as my balance was 0 and the account was closed American Express has never sent me anything for this account. My login is inactive and when I call them and provide them with the account they say my balance is {$0.00}.
Consumer complaint received 2024-06-21
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX is reporting as a loss by credit grantor but is showing 2 different balances {$4200.00} & {$7300.00}! Last time account was active was in 2022 how is still still reporting charged off on different years & bureaus! Please remove this account due to inaccurately reporting it! It is in violations of my rights to a fair credit report!
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

FCRA 605B stipulates that we must eliminate any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-30
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 received the letter with my dispute results from Experian and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with XXXX for the purpose of filing a complaint with your agency.
Consumer complaint received 2023-05-05
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)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140000.00}. Please delete these ASAP.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
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 consistently make on-time payments, of which I am certain. What I'm uncertain about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-10-19
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: Synovus Bank (GA)

All XX/XX/. All from XXXX store number XXXX ( New Mexico ). Amounts on all 5 transactions {$18.00}, {$18.00}, {$20.00}, {$30.00} and {$23.00} I live in XXXX XXXX number is New Mexico XXXX I have not traveled anywhere out of state of Georgia. Next day XX/XX/ I noticed the charges and called the card company and reported it. I was told they took the report and it may take 90 days for the investigation. XX/XX/XX/XX/XXXXwas closing date on the account. Card company showed to credit Beu the charges and over 60 % utilization when in fact I had it paid off before the fraudulent charges. They sending me a new card and shut that card off but refuse to credit my account or freeze it. Matter of fact they said I need to pay at least minimum do until investigation is complete.
Consumer complaint received 2024-06-21
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-30
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. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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. (NV)

I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the company associated with these accounts, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the bank with documentation demonstrating the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX