davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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. (MA)

In accordance with the Fair Credit Reporting Act. The list of accounts and address listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ), XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX Account : # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, Account : # XXXX & XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX, Account : # XXXX & XXXX, has violated my rights. 
XXXX. XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX, Account : # XXXX, XXXX, XXXX has violated my rights. 
XXXX. XXXX XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX, Account : # XXXX, has violated my rights. 

In addition to the following address : XXXX XXXX XXXX, XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681e ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 2024-05-02
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. (MI)

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 name XXXX XXXX XXXX Account Number XXXX, Account name : XXXX XXXX XXXX Account Number XXXX, Account name : XXXX XXXX XXXX  Account Number XXXX, Account name : XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 


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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am writing to inform you of a serious issue regarding my credit report. Upon reviewing my credit reports from [ Name of Credit Bureaus ], I discovered evidence of identity theft. It has come to my attention that unauthorized accounts have been opened under my name without my knowledge or consent. 

I understand that under the FCRA, you have 30 days to complete this investigation and provide me with a response. Additionally, I urge you to place a fraud alert on my credit reports to prevent further unauthorized activity. 

The following unauthorized accounts have been reported : XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX.
Consumer complaint received 2024-05-02
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. (MD)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. 
15 U.S.C 1681 section 602 A. States I have the rights 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 I will have no choice but to seek litigation in small claims court if this isnt fixed. 
see attachments
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

XXXX , the consumer reporting agency XXXX in california and Illinois, AND US BANK , is intentionally violating the law and FCRA and credit laws of the US, by stating on my credit report that I am not paying my mortgage to US bank XXXX! XXXX illegally and unethically obtained my property information ( not mortgage payment ) and then DROPPED MY CREDIT XXXX SCORE BY OVER XXXX POINT FOR NO REASON!! I HAVE PAID MY MORTGAGE ON TIME FOR OVER TWO YEARS NOW AND THE BALANCE DECREASES BY OVER XXXX $ EACH MONTH! Instead, XXXX makes it appear that I have paid NOTHING on my mortgage and keeps my XXXX credit score artificially low!! I'm a XXXX person and veteran and you are a dirty awful evil company that is preventing me obtaining any credit by your lies and falsehoods! XXXX perpetually lies on this complaint I file stating its " his ability to obtain his credit report! '' versus fixing my credit report and score! The second trust from XXXX XXXX XXXX  is NOT part of my mortgage and should NOT be reporting as a XXXX $ balance than my US bank mortgage! Stop lying transunion and report my balance accurately and raise my credit score and my mortgage balance decreasing XXXX $ every month!! I have reported XXXX XXXX to the Florida Attorney generals office!
Consumer complaint received 2023-09-18
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MO)

I escrow and my insurance payment to XXXX insurance was due by XXXX XXXX has yet to receive the payment Mr. Cooper claims to have made to them on XXXX The payment was due by XXXX, if it's a 2 week processing time, it should have been sent sooner than XXXX. Because of this, they have cancelled my homeowners policy and will not reinstate it until payment is received. I have attempted to contact Mr. Cooper on numerous occasions and their auto attendant does not allow you to reach an actual person. I've tried every single number provided to me. I have opened XXXX support tickets since XX/XX/XXXX ( XXXX, XXXX, and XXXX ) and all they do is respond with an automated message that list numbers that don't get you anywhere and confirm that they claim to have sent payment XXXX. As of today, XX/XX/XXXX, XXXX has still not received the payment. 

Numbers I have attempted to reach them on ; XXXX, XXXX, XXXX I have also attempted to chat with them, it's a robot.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: DIGITAL FEDERAL CREDIT UNION (MI)

I was scammed for XXXX out of which i have sent XXXX through wire transfer from XXXX ( XXXX XXXX XXXX to the scammer account Which is XXXX XXXX XXXX XXXX  account in XXXX. I have called XXXX for recall of the wire due to scam and they did recall it and they said they communicated the XXXX XXXX via Fed reserve messaging system where as the XXXX XXXX says they never received any messages so far. Not sure whose fault and who is wrong. i have been chasing both the banks and trying to have them communicate through email. The target bank froze the account and funds are available to recover but they were looking for Hold harmless letter from XXXX where as XXXX wasn't ready to provide via email and they said they would only send details via Fed reserve system unfortunately target banks says they never get any messages. 

XXXX XXXX  account wire details. 

Account Holder XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  Account XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX Wire Routing XXXX XXXX  XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (MO)

There is no company to file... background report show inaccurate info. 

Shows a former address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX At one time we were told someone there was trying to steal my identify and I made my credit search receive a two step authentification. 

Shows my former names as XXXX XXXX XXXX and XXXX XXXX XXXX, neither has been my names ever. 

My wife 's name is XXXX XXXX XXXX. Never has she been XXXX XXXX XXXX Thank you
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collection Management Holdings, LLC (TN)

Subject : Debt Validation Request Pursuant to FDCPA, 15 U.S. Code 1692g To Whom It May Concern, Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, that a validation is requested.

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account Number : XXXX Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my wet signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges.

Proof that the Statute of Limitations in Tennessee has not expired.

Complete payment history on this account along with an accounting of all additional charges being assessed.

Proof that you are licensed to collect in my state.

Your license numbers and Registered Agent or Agent of Service.

Additionally, in accordance with 31 U.S. Code 3123 and 18 U.S. Code 8, I request verification that this debt falls under the category of an " obligation or other security of the United States. '' These statutes define the terms and conditions under which a debt is considered an enforceable obligation. Compliance with these statutes is necessary to validate your claim. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ) to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 
This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 
All future communications with me MUST be done in writing via USPS and sent to the address noted in this letter.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
If you are unable to validate the debt, I request that the account be deleted from my consumer report immediately. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (TN)

I recently received a copy of my XXXX credit report on XX/XX/year> and I noticed some late payments posted on my credit report in the amount of {$140.00}. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer report, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACE 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ) the term consumer report does note include - ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-05-23
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. (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 these accounts ( A ). It is not permitted to report these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-27
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)

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XXXX I received a check from my insurance company for payment for my medical provider for services not paid directly through the insurance company. I did a mobile deposit for the check in the amount of XXXX. After depositing the check through my mobile app it confirmed that the funds would be available on XXXX. XXXX the funds were not available and I did not receive any notification as to why. I made arrangements with the offices to have this money paid on this date due to what was confirmed on the mobile app on XXXX. I reached out to customer service and was advised that the check was on hold for an additional 7 days but did not show why. I asked to be transfered to a supervisor and was given another number to call. Upon calling this number I explained my frustration and wanted an answer as to why I was not notified of this extension. This bank can call or email regarding my account if I've overdraft but when its in reference to something I feel is more important I'm left in the blind. I would not have know about an extention if I hadn't took the time to reach out. This bank has been insufficient in the past regarding communication attempts. I'm highly frustrated at the fact that you don't reach out to communicate what I feel is very important. This put me in a deeper bind due to expecting to get this issue cleared on the date provided and now I don't have a definite date of when the funds will be released to me. I even reached out to my insurance company to confirm the check and I have also had checks sent to me in the past from my insurance company and never had an issue with it being cleared until now.
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Comapny has issued me a debt collection of {$750.00} as they said they reimbursed this amount to me previously. I have never received any reimbursement from them. I have reached out for the reimbursement record from their bank or credit card provider. They are unable to provide this. Instead, they only provide an invocie gennerated from their company.

They can show no financial record that I was reimbursed via credit card or check.
Consumer complaint received 2023-09-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (PA)

Blacklick, Ohio Apartment : The Bend at Broad by XXXX XXXX XXXX : RENT RECOVERY SOLUTIONS My wife got the apartment and everything she was being the man of the house when we moved to Ohio from New York. I didn't want to make the move because I knew she was working her way up to a divorce. all her family are in Ohio. we made the move eventually. 
she did all the apartment paperwork. I just only follow her instruction. I come from XXXX and we didn't have access to the best education. even with this my son is writing and I'm speaking. I don't know any computer skill. my son is helping me. I have asked so many time if they have asked my ex wife or contact her to recover the money. I even told them I will pay half and remove it. for the past XXXX year this make my life very difficult. I have lost out on money and other opportunities. can they give me money or those opportunities back? I don't wan na sound like smart donkey but this has make my life very difficult. 
My XXXX XXXX  name : XXXX XXXX. prune XXXX XXXX. now her name is XXXX XXXX according to XXXX. ( http : XXXX ) she is a very unlawful person and she doesn't mind doing criminal activities with XXXX of her brother. dev ghimire and narayan ( https : XXXX ) ghimire. those two have changed name also. dev to XXXX XXXX. why am I getting all the trouble and stress. please help me. these people have similar name ghimire and ghimirey. They think they can get away with anything by changing name. I believe social security number doesn't change. I don't fully know. please help me.
Consumer complaint received 2024-06-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TN)

Subject : Dispute of Late Payment and Request for Correction To Whom It May Concern, I am writing to dispute a late payment that has been reported on my account as follows : Account Number : XXXX I believe this late payment is being reported incorrectly and I am requesting that it be promptly corrected. My dispute is based on the following points : Legal Basis for Dispute According to the Fair Credit Reporting Act ( FCRA ) under 603, a consumer report should contain information solely as to transactions or experiences between the consumer and the person making the report. Late payments, being transactions, should accurately reflect the actual timing of payment and not include erroneous late payment notations that misrepresent my payment history. 
Nonpublic Information and Violation My nonpublic information, which includes the timing of payments, must be accurately reported by the creditor. Failure to do so constitutes a violation of the FCRA and negatively impacts my creditworthiness and financial reputation. 
Timing of Payments ( 15 U.S. Code 1666b ) Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment is received by the creditor in accordance with the creditor 's payment instructions. 
Request for Correction Given the inaccuracies and the legal requirements for accurate credit reporting, I request the following actions be taken immediately : Correct the payment history on my account to accurately reflect the timely nature of my payments. 
Remove any late payment notations from my credit report associated with this account. 
Provide written confirmation that these corrections have been made. 
Please investigate this matter and rectify the situation promptly. As per the Fair Credit Reporting Act, I expect this dispute to be investigated and resolved within XXXX  days of your receipt of this letter. Additionally, I request written confirmation of the corrections and an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX XXXX XXXX