davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (AZ)

Newrez mortgage is not applying payments and reaping the interest benefits. I make bi-monthly payments totaling my full monthly payment plus {$350.00} towards the principal via auto-draft every month. They do not apply the first payment because they do not accept partial payments. They hold the first payment until a full payment is received robbing Homeowners of the interest savings that come with making bi-monthly payments. Since XXXX, they had not been applying any of my payments, even after totaling a full payment. It was not until I called to see what was going on that they pushed them through. They were not applied retroactively, so I lose the interest savings from the time they should have been applied to the time they decide to post them. I had three payments sitting in a sub account unapplied and they reported me as 30 days late to my credit report. I called and they applied those payments after I complained but my payment history looks as if it was late and now I have to submit a dispute to my credit report. I called today because my account is still showing that my full payment has not been applied although it was received 5 days ago. They once again confirmed that my payments were sitting in the sub account and said they would have them pushed through. I am paying a ton of interest every single day that they refuse to apply my payments and they are keeping money that they are not entitled to by applying payments days/weeks after receiving them. It is a deceptive and unfair practice and they need to be held accountable for the money they are stealing from homeowners.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-23
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. (IN)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Under FCRA 605B, it is mandatory to remove any incorrect accounts from my credit report. This account has been reported inaccurately ; therefore, please delete it from my credit file. I am owed {$1000.00} for each incorrect entry on my credit report.
Consumer complaint received 2024-05-24
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. (PA)

The Fair Credit Reporting Act ( FCRA ) requires credit reporting companies, like XXXX, to use reasonable procedures to ensure the accuracy of consumer credit reports. 



The Fair Credit Reporting Act ( FCRA ) regulates consumer reporting agencies ( CRAs ) like Experian, and requires them to follow reasonable procedures to ensure maximum accuracy in credit reports. 



The Fair Credit Reporting Act ( FCRA ) requires nationwide credit reporting agencies ( CRAs ) like XXXX to investigate and correct inaccurate information on credit reports within 30 days of a consumer dispute. 



However, after verifying my most current credit report, the revised information is beyond wrong. The information is as follows. Last Verified : XXXX XX/XX/XXXX ; Experian no record, XXXX no record. Date of last activity : XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX Creditor Remarks : XXXX : Charged off as bad debt. Canceled by credit grantor, Experian The account has been closed due to inactivity. Unpaid balances are reported as losses by the credit grantor. XXXXCharged off account. Accounts closed by the credit grantor. The Fair Credit Reporting Act ( FCRA ). Getting the late payment erased is dependent on its accuracy. DELETE ACCOUNT
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-24
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. (OH)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX - XXXX {$1000.00} XXXX XXXX - XXXX {$170.00} XXXX XXXX  - XXXX {$260.00} XXXX XXXX XXXX - XXXX {$260.00} XXXX - XXXX {$400.00} XXXX XXXX XXXX {$400.00} XXXX  - XXXX {$2000.00} XXXX - XXXX XXXX - XXXX {$660.00}
Consumer complaint received 2024-05-23
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: CCS Financial Services, Inc. (NC)

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX : Original creditor XXXX XXXX - XXXX Opened : XX/XX/XXXX Balance : {$1100.00} CCS COLLECTIONS Opened : XX/XX/XXXX Balance : {$580.00} XXXX : Original creditor I am writing to bring to your attention a matter of urgent concern regarding identity theft and fraudulent activity associated with my Credit Report. Upon reviewing my recent credit report, I have discovered numerous unauthorized accounts that I did not initiate or authorize. 
These discrepancies indicate that my personal information may have been compromised, resulting in unauthorized accounts. 
As a victim of identity theft, I am deeply troubled by these findings and am taking immediate steps to address the situation. FTC REPORT has been filed.
Consumer complaint received 2023-02-15
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. (PA)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 


XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/16 Balance {$1000.00}
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. So please UPDATE and CORRECT the accounts below : 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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-24
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them.

Address : Please be sure that my address is listed correctly.

My address should read : XXXX XXXX XXXX, XXXX, Ga, XXXX Employer : XXXXXXXX XXXX 

Phone Number : XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card. 


Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

Received notice today form Experian credit reporting agency that my score decreased by XXXX points, from XXXX to XXXX due to reducing debit on open accounts. This does not make any cense as I am reducing balances on accounts. My credit score with XXXX and XXXX is XXXX and has been maintained.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Subject : Dispute Regarding Account Numbers XXXX and XXXX This letter is to formally dispute the validity of XXXX  debts currently listed on my credit report : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX I believe these debts are inaccurate because they have exceeded the permissible reporting timeframe under the Fair Credit Reporting Act ( FCRA ). 

I request that you investigate these matters thoroughly and promptly remove both accounts from all three major credit reporting bureaus ( XXXX, Experian, and XXXX ). Please furnish me with written verification of this deletion within 30 days of this letter 's receipt, as required by the FCRA.
Consumer complaint received 2024-05-24
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. (MD)

Re : Complaint Against XXXX for Violation of FCRA 1681 b ( 2 ) - Permissible Purpose of Consumer Reports.I am writing to file a complaint against XXXX, a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 b ( 2 ) regarding the permissible purpose of consumer reports. 

Summary of Complaint XXXX furnished a consumer report about me to [ XXXX XXXX XXXX ] in connection with a [ Auto Transaction ]. However, I did not initiate this transaction, nor did I authorize XXXX to provide my consumer report for this purpose. This action is a direct violation of FCRA 1681 b ( 2 ), which restricts the release of consumer reports without consumer consent or for purposes not initiated by the consumer. 

Additionally, XXXX violated 15 U.S.C. 6802 regarding disclosing my nonpublic personal information. I was not provided with clear and conspicuous disclosure that my information may be disclosed to a nonaffiliated third party. I was not given the opportunity to opt-out of such disclosure, nor was I explained how to exercise that option. 
a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( I ). 

XXXX has included information on my consumer report that I believe is in violation of the FCRA. The information pertains to [ describe the information in question ], which I believe constitutes a report of transactions or experiences between myself and XXXX. 

The FCRA explicitly excludes such information from the definition of a " consumer report. '' As per 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), a consumer report does not include " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Furthermore, XXXX has not provided any evidence that I gave written permission for this information to be included in my consumer report.
Consumer complaint received 2024-05-24
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. (GA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.