davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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. (SC)

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 Names XXXX XXXX Account # TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # TransUnion XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX  Account # TransUnion XXXX XXXX XXXX XXXX XXXX Will not show account number XXXX XXXXXXXX Account # TransUnion XXXX XXXX XXXXXXXX  Account # TransUnion XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. These inaccuracies are preventing me from buying a new car for my work. I am not able to get a new home for my family. I can not get business credit to grow my business so I can provide for my family.
Consumer complaint received 2019-06-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Neighborhood Housing Services of Toledo, Inc. (OH)

My family was defrauded out of our first home. We were discriminated against in lending and foreclosed on leaving a debt of {$80000.00} on my credit report until XX/XX/XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) represented by XXXX XXXX, and XXXX XXXX were sellers of home, held a second mortgage and hired contractor, XXXX XXXX ; Neighborhood Housing the banking system/ first mortgage holder and represented by XXXX XXXX who was the property inspector ; XXXX XXXX XXXX XXXX XXXX XXXX-property inspectors,  signed off all inspections, appropriated state and government funds for housing project ; XXXX XXXX XXXX XXXX XXXX XXXX General Contractor all together were richly rewarded for their malicious efforts. They touted a Complete Rehabilitated home that was uninhabitable and after complaints and requests I paid for many repairs. XXXX XXXX sent various persons who did not do the work promised to complete and they did not honor the one year warranty given. We became displaced and my family of XXXX had to be separated. 
Approximately in XX/XX/XXXX I filed a complaint XXXX XXXX and XXXX XXXX ; XXXX XXXX ; XXXX followed where we had to not only fight for the home but also foreclosure proceedings. After approximately eight years of court proceedings, including the appeals court our Complete Rehabilitated home was considered AS IS.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (GA)

I spoke to Early Warning Services via mail on numerous occasions. I am a confirmed victim of fraud dating back to when I was a minor. Upon discovering fraudulent banking accounts with negative balances on my Early Warning Report, I filled out an Identity Theft Affidavit and sent it to EWS along with a letter requesting these items be blocked from my report .his request was granted but later retracted. I then followed up and asked how they could possibly confirm these accounts were mine when I have documentation confirming I was a victim of fraud. I followed up asking for method of verification which I am allowed under FCRA 611 ( a ) ( 7 ). This request was months ago. To date I have not received this or any further responses. My consumer rights were violated and I did not get a proper investigation. I was told my disputes were frivolous but it is immoral to tell me an item is mine when I have been a victim of fraud and EWS clearly has no actual proof or documentation that contradicts this.
Consumer complaint received 2024-04-24
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)

XXXX XXXXXX/XX/XXXX - {$75.00} In accordance with the Fair Credit Reporting Agency, the company listed above 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (DC)

I am writing to file a formal complaint against Lexis Nexis for their persistent failure to comply with federal and state regulations regarding the accuracy and management of consumer information. Despite my repeated efforts over the past two to three years, including specific requests in XXXXXXXX XXXX XXXX Lexis Nexis has failed to rectify inaccuracies in my consumer profile, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

In my request dated [ specific date in XXXXXXXX XXXX ], I asked for the removal of inaccurate phone records from my consumer profile. Despite Lexis Nexis, in a letter dated XX/XX/ ( case number XXXX ( XXXX ), consumer number XXXX ), acknowledging these records as unverifiable and stating their removal, the enclosed consumer file did not reflect these changes. This non-compliance is a direct violation of FCRA, which mandates the correction of any inaccuracies upon discovery ( 15 U.S.C. 1681i ). 

Moreover, a subsequent communication from Lexis Nexis dated XX/XX/ ( case number XXXX ( XXXX ), consumer number XXXX ), contradicts their earlier acknowledgment, further demonstrating their failure to provide accurate and consistent information. This inconsistency not only contravenes FCRA guidelines but also undermines the purpose of FACTA in ensuring the integrity and accuracy of consumer information. 

Additionally, my subsequent requests for my consumer profile have been unjustly denied under the pretext of inability to confirm my identity. This action by Lexis Nexis is in clear violation of my rights under the FCRA, which guarantees consumers the right to access their credit information and mandates credit reporting agencies to provide it upon request ( 15 U.S.C. 1681g ). 

In light of these facts, I urge the CFPB to investigate these violations by Lexis Nexis and ensure compliance with federal and state laws governing consumer rights and credit reporting standards. I seek immediate rectification of my consumer profile and appropriate measures against LexisNexis for their non-compliance and negligent handling of consumer information. 

Enclosed are copies of all relevant correspondence and documentation for your reference. I also have recordings of the conversations with customer service representatives for your reference at your request. 

Thank you for your attention to this matter. I look forward to your prompt action and response. 

[ Enclosures : Correspondence with Lexis Nexis, Case Numbers XXXX ( XXXX ) and XXXX ( XXXX ) ]
Consumer complaint received 2024-04-24
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)

On XX/XX/2024 I checked my credit report. Upon looking over my report I noticed serval inaccuracies. According to FCRA Experian is expected to report the information on my credit report with 100 % accuracy. The account that I would like you to verify is Account Name : XXXX XXXX Account Number : XXXX.
Consumer complaint received 2024-04-24
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. (LA)

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 2023-09-20
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: EQUIFAX, INC. (TX)

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.
Consumer complaint received 2023-03-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-10
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. (TN)

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 informationisinaccurate.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

someone stole my personal information and have been opening accounts under my name without my permission I made a FTC report and contacted the credit bureaus they didn't remove the account off my credit report after the investigation after i been a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have sent the credit agency copies of my FTC report and other information to delete these identity theft accounts from my credit report. They are not doing the correct disputes and not attaching the correct information to them. I am not getting copies of the verification process per the FCRA. 

This are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (NJ)

I've always made sure payments on this account are made on time, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (RI)

Ive filed a complaint against Barclays due to the companys malpractice and mishandling of my personal information. The company responded to my first complaint saying that the integrity of the credit system relies upon the accuracy of information provided while showing lack of that itself. When I signed up with Barclays they never offer me in their agreement to OPT OUT from getting my personal information being shared with 3rd party entities as required by law. Therefore violating my right to privacy. 

In 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  services a loan on property I own located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXLoan number XXXX. On Saturday XX/XX/2024 at XXXX PDT I made a phone payment on said property. The prompt voice said if this payment was made on a weekend or holiday it would be posted the next business day. I was given a confirmation number of XXXX. The amount was XXXX. On or about XX/XX/XXXX I began receiving notice from the various credit bureaus that I had missed a mortgage payment. Further investigation revealed that XXXXXXXX XXXX had reported the negative entry as a missed payment. As a result of this reporting my XXXX score dropped XXXX points. I contacted XXXX to try and explain what had happened. I was told to send an e mail to XXXX and provide proof the check cleared on Monday. I did that and provided the actual bank record. I had to contact XXXX for an update and was told that even though I had made the payment the check had not cleared until Monday and they would not reverse their decision regarding the credit reporting and would not reverse same. I had made the payment with the 30 day window and had no control as to when XXXX cleared the check. I request the missed payment credit entry be removed.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

This is my fourth endeavor 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 XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXXXXXX. XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX Balance : {$820.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

PLEASE HELP ME CORRECT MY Address and FULL NAME AND LAST Name AND PERSONAL ADDRESS AND REMOVE THESE LATE PAYMENTS PLEASE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS INQUIRY HAS BEEN 2 YEARS OLD NEEDS TO BE DELETED.

15 U.S. Code 1666b states that a creditor can not treat a payment on a credit card account as late unless they have taken reasonable steps to ensure that the consumer receives their periodic statement at least 21 days before the payment is due. The statement must include the information required by section 1637 ( b ) of this title.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-04-24
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)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX  well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2023-10-27
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. (KS)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-24
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)

" Your agency is in violation! 
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. 
Delete this at once! '' XXXX - XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX  XXXX XXXX XXXX XXXXXXXX {$230.00} XXXX  XXXX - XXXX {$550.00} XXXX - XXXX {$2900.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX - XXXX {$10000.00} XXXX XXXX  XXXX - XXXX {$990.00} XXXX  XXXX - XXXX {$510.00} XXXX  - XXXX {$330.00} XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX {$1500.00} XXXX   - XXXX XXXX  XXXX - XXXX {$350.00}