davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
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)

It is a late payment being reporting on my credit report from XXXX Account # XXXX I have never been late please update my payment history to paid on time immediately. I'm more them willing and ready to go to arbitration over this it will cost XXXX thousands of dollars in fees. 

Again please update my payment history to paid on time.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX Transunion XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX A XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2024-06-25
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THAT ACCOUNT WAS NEVER LATE. ACCOUNT HAS ALWAYS BEEN CURRENT.
Consumer complaint received 2024-04-28
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. (MI)

Subject : Formal Request for Debt Validation and Action Against Non-Compliance I am writing to formally address the ongoing issue regarding the debt validation process for the account listed under XXXX XXXX XXXX, as detailed in the attached correspondence. Despite numerous requests, the requested debt validation letter has not been provided by your organization. 

I have diligently followed the necessary protocol by sending certified mail to multiple addresses provided by your company, all of which have been received and acknowledged. However, the requested documentation has yet to be provided, contravening legal obligations. 

Furthermore, both Experian and XXXX have failed to address my disputes and have neglected to remove the disputed entry from my credit report pending validation. Despite my inquiries, they have been unable to provide evidence of validation by XXXX XXXX XXXX. 

As per the Fair Debt Collection Practices Act and relevant consumer protection statutes, I am entitled to a validation of debt, a bill, and an itemized statement. Until these documents are provided, it is imperative that the disputed entry be expunged from my credit report. 

Failure to comply with legal obligations will necessitate further action, including but not limited to pursuing legal recourse through the appropriate channels. I expect immediate attention to this matter and prompt resolution in accordance with the law. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-28
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. (WI)

THIS IS INJURIOUS TO MY CONSUMER REPORTS. 

Over the past four weeks, I reviewed my credit report from all three credit reporting agencies and discovered listed accounts that have late payments that were not late and a bankruptcy on my files. I have placed 8 phone calls to get this information removed from my files.

I sent ( 4 ) certified letters TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX To the agencies, but no agency has corrected the inaccurate information AND HAVE ONLY SENT ME COMPUTER GENERATED LETTERS THAT DO NOT ADDRSS MY ISSUES. In addition, the US Bankruptcy Courts have provided documentation clearly stating they do not verify or validate any public records. 

You are violating the FCRA law by not responding on time and not working with me to correct inaccurate information. I want to know how late accounts were verified on PAID AS AGREED ACCOUNTS and how other accounts are late but CLOSED and PAID 100 % with no remaining balances. I also want the bankruptcy REMOED IMMEDIATELY FROM MY CREDIT REPORTS. Documents and evidence attached. 

If you do not move expeditiously to correct ALL late pays an the bankruptcy for the following accounts, I will seek more legal action against you. I am doing a CFPB complaint as well for not having a proper response and result from you this time. I am submitting these incorrect items once again to remove all associated late payments and bankruptcy. I am paying these accounts as agreed or they have been paid in full already. Please remove the late payments immediately and the bankruptcy. 

Reporting inaccurate information is misleading. PLEASE investigate and REMOVE immediately. Under Section 1681 ( G ), please send me details of the procedures that were used to verify all inaccurate late payment accounting and include name/address/phone of ALL persons contacted to verify this inaccurate information per regulations found in the FCRA. 

Late payment accounts being reported inaccurately On XXXX, XXXX, and Experian : The report are inaccurate from last payment date, last activity on account, late payments, account status, last payment amounts to how accounts are 100 % paid in full and as agreed. 

XXXX XXXX  ( AUTO ), Acct # XXXX, XXXX late pays, PAID IN XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Acct # XXXX, XXXX late pays, Closed, Paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX late pays, Closed, Paid My consumer report is extremely important to me, and I want to advise that willful non-compliance is a violation of Section 1681 ( n ) of the FCRA. I assume 30 days is a reasonable amount of time to delate all of these late pays on my history. After removal please provide an updated credit report from ALL reporting agencies.
Consumer complaint received 2024-04-28
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. (TN)

accordance with the fair credit Reporting act XXXX XXXX  XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-04-28
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. (TN)

accordance with the fair credit Reporting XXXX  XXXX XXXX XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-04-28
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. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-05-04
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. (VA)

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. 

Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 reasonably cause to believe that the information is inaccurate. 
Inquires
Consumer complaint received 2024-04-28
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. (TN)

accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-04-28
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. (TX)

Company - XXXX XXXX CC Fees charged- XXXX in XX/XX/2024 Late fees XXXX {$120.00} Reported late to credit bureau in XXXX and XX/XX/2024 XXXX XXXX - cancelled card. All fees reversed. 

XXXX XXXX credit bureau shows 30 day late ding on my credit report. 

I submitted a dispute unsuccessfully with XXXX  which was closed as of XX/XX/2024 without a satisfactory resolution. 

I am requesting a fair and just resolution to the charges that lead to my injured credit report. I care deeply about my financial reputation. I do not feel I should have a bruised reputation over a credit card companys yearly fees from a card that was dormant for years.
Consumer complaint received 2024-04-28
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 the list of accounts below have violated my federally protected consumer rights ton privacy and confidentially under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, often than records of conviction 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 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX US DEPT OF ED/XXXX : Installment Loan, 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 an account without my written instructions.
Consumer complaint received 2024-04-28
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. (VA)

I have disputed an inaccurate account on my consumer report that is has been reporting incorrectly for the past 6 years once I have gained insight on the subject of actually. digging deep and understanding credit as a whole, I disputed the account that was reporting inaccurate once I did the three credit reporting agencies bureaus still did not do a proper investigation into this matter as well updated the account once again inaccurate to showing as well showing recent activity on the account with again is not inaccurate this account on my report is over 6 years old as well it shows past due dates which is inaccurate which is documented on one of my consumer reports that there are no past due payments so therefore all three bureaus must be reporting the same information across all three agencies otherwise it is inaccurate as well as illegal. This inaccurate reporting has halted me from being able to obtain new credit due to the fact the last date of activity in inaccurate which is showing to creditors this is a recent negative account which in fact it is not. I am asking the whole account be removed.., this reporting is detrimental to my livelihood due to showing new activity and past due balances times that are inaccurate. 

XXXX XXXX XXXX  DATE OF LAST ACTIVITY XXXX XXXX XXXX ( INACCURATE REPORTING AS. WELL.. 

please delete this account ..... 
which have adversely have and now more than ever have been affected by your inaccurate reporting.
Consumer complaint received 2024-09-11
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. (MI)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-28
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. (CA)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2021-04-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NV)

On XX/XX/XXXX I took out a personal loan with Loan At Last, an online lender. I borrowed {$300.00}, but as usual planned to pay back before the maturity date. 
I ended up losing my job due to COVID and lack of business. I have already paid $ XXXX and I still apparently owe them {$530.00}. 
I attempted to email to see if I could just pay the original loan amount, or to see what could be worked out. 
Unfortunately I was told there was nothing that could be done. I had no idea, and have never before seen a 500 % interest rate.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following addresses are currently on my credit report and these are NON-MAILABLE addresses that must be removed!! 

Please remove these PERSONAL INFORMATION IMMEDIATELY FROM MY CREDIT REPORT FOR THEY ARE NON-MAILABLE ADDRESSES : please delete this CURRENT address for it is NON-MAILABLE : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX  XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX  XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX has violated my rights per 16 CFR 313 and 15 USC 6801-6805. 
In compliance with the Privacy Act of 1974 and 15 USC 1681, XXXX is prohibited from disclosing my transactional history. However, XXXX failed to uphold my privacy rights as outlined in 15 US Code 6801, and I was not allowed to opt out as mandated by 15 US Code 6802.
Consumer complaint received 2024-04-28
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. (PA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX & XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-09-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

Unlawful Placed Forced Insurance - We have contacted Mr. Cooper ( Nationstar ) multiple times to trying to clear this up, Insurance on the Home at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX has been consistently been paid in full ever since Mr. Cooper has handled the Loan, we do not or have not had Impound accounts with Mr. Cooper for Taxes or Insurance and has it has always been Paid in Full from XX/XX/XXXX thru XX/XX/XXXX and then was Paid again in Full from XX/XX/XXXX to XX/XX/XXXX. Mr. Cooper keeps telling us that the lapses of Insurance was in XX/XX/XXXX which is not true, The Insurance Company for this home been provided proof ( Insurance Multiple times ) and we kept getting calls that there was no provided proof on Insurance. My son XXXX XXXX on my behalf has spoken to Mr. Cooper Customer Service Every time the Issue came up and was told this would be resolved and the mistake would be taken care of, but the calls keep coming saying that the loan is in default and now their ( Mr. Cooper ) is processing Foreclosure on the Home. They have caused so much emotional distressed for no reason and have been harassing with constant phone calls and letters, I have had my son XXXX XXXX power of Attorney to deal with this issue and has provided proof that they have required. The next step we have is to pursue Legal Action with an Attorney,