davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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. (MA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

In XX/XX/XXXX, I received a letter from Comenity Bank ( previously XXXX XXXX  ) stating that I need to use my XXXX extra points XXXX  credit card otherwise they will close the account. Its been a year+ since I used it last. Since I didnt want a closed account reflected on my credit report, I used the card in XX/XX/XXXX and made five transactions ( see attached transaction 1a ). It was promptly paid off in XX/XX/XXXX. On XX/XX/XXXX, I received a text message from Comenity fraud ( see fraud text ) asking if I can verify the purchase of {$440.00} at XXXX in XXXX TX and asked if it was me, I replied with NO ( note : this was the attempted third transaction ). I called the fraud department telling them that I see two fraudulent charges one at XXXX in XXXX for {$350.00} and one at XXXX XXXX in XXXX for {$490.00}. The attempted third charge was at another XXXX in XXXX. All of these charges were made back to back on XX/XX/XXXX. They closed my card and opened a case investigation. I have not received or heard anything from them until I received a bill on XX/XX/XXXX for the full amount owed. I called them and they said that they came to the conclusion that it was my responsibility because the transactions were chip-read. I asked if they did an investigation what the time was on the transactions as I was caring for my then 11 month old grandchild in XXXX TX ( see attached Supporting doc ). They did not get any time. I believe my card information was stolen from a XXXXXXXX XXXX XXXX in XXXX on XX/XX/XXXX - this is called shimming ( see attached Shimming document ). They claim that this can not be done with their cards so Im responsible. I sent documentation via certified mail proving my whereabouts on XX/XX/XXXX. They received the documents, via mail and email, downloaded them, but have not done anything since. I received another bill on XX/XX/XXXX, with {$18.00} interest charges added to the fraudulent charges and requested payment by XXXX XXXX ( see attached bill ). I contacted them again and the representative then stated that it sounds like someone got ahold of my card and tried using it as fast as they can at as many places they could. He stated he will forward my concern and comments to the investigators in hopes this will be overturned. I would like this matter investigated with them contacting XXXX XXXX, who can vouch my whereabouts on XX/XX/XXXX and I would like these fraudulent charges removed from my account.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (NY)

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 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (NC)

On XX/XX/XXXX, a background check was done on me by First Advantage ( XXXX XXXXXXXX, XXXX, XXXX ), requsted by XXXX XXXX XXXX and by XXXX XXXX for employment purposes.Over the next couple of weeks, I received letters for First Advantage saying they are reporting public record information concerning me to XXXX XXXX and XXXX XXXX.The paperwork said I was XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX. It list the XXXX XXXX XXXX as an XXXX XXXX, when in fact, it was an XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX, that I XXXX XXXX to, on XXXX XXXX. There are various conditions you have to comply to, as a part of the XXXX. In the state of North Caolina, if XXXX of an XXXX XXXX and if XXXX XXXX called for XXXX, you are placed on XXXX XXXX or XXXX XXXX, which can be supervised or unsupervise XXXX.I was on XXXX XXXX XXXX and sometime in XXXX, I weren't able to keep up with my restitution payments as required by my XXXX conditions. My XXXX was XXXX because of this and given a XXXX XXXX by my XXXX XXXXXXXX because the XXXX   had to hear the issue of me XXXX XXXX XXXX of my XXXX.It was reported by First Advantage to above employment agencies that i was XXXX XXXX XXXX XXXX in XXXX, when in fact it was just a hearing to determine whether the judge would revoke, or modify my XXXX because iI couldnt pay my restitution.So the report is inaccurate and caused me not to be able to get employment with these companies. I expressed my concerns but they told me it was correct and told me to go to my local court. My next step is federal court with an lawsuit, but have to follow the proper channels first. All I ask is for this to be corrected or I will pursue legal proceedings in federal court.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-06-25
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. (TX)

I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite providing detailed accounts and citing violations under FCRA sections 623 ( a ) ( b ) and 605 ( c ), where the company failed to mark disputed accounts and incorrectly reported last activity dates, none of the credit bureaus have responded within the 30-day period mandated by law. Attached are copies of all correspondence sent. This failure to validate the collection account also violates FDCPA section 809 ( b ) as per FTC guidelines.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

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 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are usual get my credit report without my consent and cause it my credit score to decrease ( hard inquiry ) I need these to be removed from my credit score
Consumer complaint received 2024-05-08
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. (IL)

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-08
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. (IA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2017-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (PA)

This complaint is in regards to Mr. Cooper mortgage company previously known as Nationstar. 
I cosign the loan for my daughter which is why I was also responsible for the payments. My husband passed away and my daughter divorced which made it difficult for us to pay the loan for the house. Several times we attempted to negotiate a sale for the house and when we asked for the final pay off the mortgage company would take their time and prolong the pay off into the next month. This added additional costs and we would lose our buyers. This happened three times. Recently we asked for a payoff and it was good until XXXX XXXX of XXXX. We closed on the house on XXXX XXXX of XXXX. The title company dispersed the amount requested by Mr. Cooper on XXXX XXXX, XXXX. And employee at Mr. Cooper signed for the registered letter on XXXX XXXX, XXXX. To my knowledge everything was paid and I no longer had to deal with the mortgage company. On XXXX XXXX I received a call from Mr. Cooper and was told that the amount for the payoff was not enough and that on XXXX XXXX, XXXX Mr. Cooper had added on more interest and that I owed another {$330.00}. And since it was XXXX XXXX it was already past due and I would have to get a new pay off and that would take us into XXXX XXXX where I would end up paying thousands of dollars more. I immediately paid the {$330.00} to stop further assessments. I contacted the title company and was told that they should not be allowed to add on any more money since we paid it off in full as they requested. When I called the mortgage company back to let them know they proceeded to tell me that I owed more than {$330.00} and that there was another XXXX dollars due to pay. I sent them the return receipt and a copy of the payoff that I had. Today On XXXX XXXX I was told that because I paid the XXXX that the loan was paid in full. And I did n't know the extra money.
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PR)

In  XXXX  my student loan provider went from  XXXX   XXXX  to  XXXX . I was on auto pay with  XXXX   XXXX .  One day I re ceived a letter in the mail stating that  XXXX   XXXX  account was Closed and the new lender was   XXXX   therefore they were not going to charge me anymore and that i should wait Further instructions from  XXXX . First communication with  XXXX  happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since  XXXX   XXXX . Not a problem I said, lets pay. The representative at  XXXX  walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from  XXXX   XXXX  to  XXXX  was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus. Two weeks ago i decide to check my credit reports and there was  de 60-120 la te payments on the  XXXX    XXXX    accounts. I wrote them a good will letter to remove the incorrect information and they declined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from  XXXX   XXXX . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on  XXXX  's part. I still pay my loan to this day and i have never missed a payment.
Consumer complaint received 2024-05-03
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)

The following accounts are reported on my credit report. 
I have disputed and submitted in my IDENTITY THEFT report to Experian, XXXX and XXXX. And they are not following the following listed code.

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX after the dispute results stated that the account verified it belong to me. It has been past 30days and they have failed to provide method of verification that debt belongs to me.

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name variations on my consumer report if it is it is incorrect and should be deleted immediately. My address is XXXX XXXX XXXX XXXX, IL XXXX any other address is not correct and causing me not to have my mail delivered in a timely fashion due to the numerous incorrect addresses on my report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require 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 in accordance with the requirements of this subchapter.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

ADDRESS IS INCORRECT I BEEN AT SAME ADDRESS, ALSO By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months to a year.

Thank you for your time and help in this matter.
Consumer complaint received 2024-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OK)

I am XXXX % total and permanent disable from the department XXXX XXXX XXXX. I was told by NelNet that the VA reached out to them to discharge my student loan under the TPD. I was told that Nelnet had reached out to XXXX to informed them that I was eligible for student loan discharged under the TPD. When I reached out to XXXX I am told that they are still waiting for Nelnet to contact them. I am getting the run around with Nelnet and XXXX. This complaint is with Nelnet. Nelnet sent me a letter dated on XX/XX/year> that I was approved for student loan discharged under the TPD. It has been over XXXX days and I still can not get a complete answer about my loan. Every time I reach out to Nelnet they tell me that they had contacted XXXX and XXXX should Start the process by updating my account.