davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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: LEXISNEXIS (FL)

Dear LEXIS-NEXIS, I am writing to dispute the information being reported by your company regarding my bankruptcy. I believe that you are in violation of the Fair Credit Reporting Act ( FCRA ) by selling, transferring, and reporting inaccurate information to the credit bureaus. 

As per the FCRA 15 USC 1681, a credit reporting agency can be sued for negligent or willful compliance with the law within two years after discovering harmful behavior, or within five years if the harmful behavior occurred. It also stipulates that only data furnishers are authorized to provide information to credit bureaus. Banks, credit unions, retail credit, car issuers, auto lenders, mortgage brokers, debt collectors, and other voluntary send information to credit bureaus.

Furthermore, I have some questions regarding how your company obtained the information regarding my bankruptcy from the United States Bankruptcy Court. Did the court sell or transfer this information to your company, or did your company obtain it through some other means? Is the United States Bankruptcy Court a credit reporting agency, and do they have the authorization to provide information to credit bureaus? 

Therefore, I request the following information to support your Metro 2 compliance for consumer and commercial credit reporting : A copy of your written policies and procedures for Metro 2 compliance in consumer and commercial credit reporting. 
Information on how your company obtains and verifies the accuracy of consumer and commercial credit information, and how it ensures that information is reported in accordance with Metro 2 guidelines.

Details on any training or education provided to your employees regarding Metro 2 compliance in consumer and commercial credit reporting. 
Information on the systems and technology used by your company to report consumer and commercial credit information in Metro 2 format. 
Details on whether your company has undergone any audits or assessments of its Metro 2 compliance practices, and if so, request copies of the reports or findings. 
I also request information showing a contract you signed to become a data furnisher, including the data furnisher agreement. Additionally, I would like to know how you were able to convert to Metro 2 format and become Metro 2 compliant. 

I dispute the information being reported by your company and request that it be removed from my consumer report immediately. If this information is not removed, I will be forced to take legal action. 

Attached information : XXXX XXXXXXXX XXXX  XXXX bankruptcy, address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, last four social XXXX, date of birth XX/XX/1978. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-05-22
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. (MD)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I initially notified LexisNexis, youve sold access to my personal information to XXXX, XXXX, and XXXX without my written consent under 15 U.S. Code 1681b - Permissible purposes of consumer reports. 


Despite two written requests, my most recent documented demand dated ( XX/XX/2023 Case # XXXX ) the non-certified item listed below still remains on my consumer reporting file in violation of Federal Law. 


Youve sold access to my personal information to XXXX, XXXX, and XXXX without my written consent under 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

( 2 ) In accordance with the written instructions of the consumer ( XXXX XXXX ) to whom it relates. 

Under 18 U.S. Code 1028A that legally classifies that action as - Aggravated identity theft ( a ) OFFENSES.

( 1 ) IN GENERAL. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

In the results of your first investigation and subsequent reinvestigation, you wrote that you verified from XXXX that these items are being reported correctly?

Who verified or certified this filing? You are willfully storing 3rd party information ( XXXX  ) within my consumer file thats non-certifiable, nor verifiable by LexisNexis ; nor have I granted you written authorization to do so!

The law is the Law! Ignorance of it is no excuse! The CFPB drafted these same laws for a reason, they need to be strictly enforced.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-06-29
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: Synovus Bank (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I HAVE NOTICED SEVERAL ITEMS PUT ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE I HAVE HAD MY PERSONAL INFORMATION STOLEN IN THE PAST.
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My repeated efforts to correct the false, inaccurate, and misleading entries on my consumer report have been unsuccessful. These erroneous records have significantly disrupted my life, causing substantial distress. As an identity theft victim, I must emphasize that I never authorized or consented to have this information associated with my name.
Consumer complaint received 2024-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NV)

A debt collection mail was sent to me PennCredit for a debt for XXXX  XXXX  which amounted to {$480.00}. The state of nevada does not use this energy and I already pay the actual energy bill. XXXX  can only believe that this is some sort of scam.
Consumer complaint received 2024-06-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (WI)

Ive noticed today XX/XX/year> that there was a collection added to my credit which I dont recall is mines and I want this removed but I dont owe this company nor is this my debt, Ive also filed a identity theft report. Thank you
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Absolute Resolutions Corp. (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states u have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Consumer complaint received 2024-06-23
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARVANT FINANCIAL LLC (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section XXXX states u have the right to privacy 15 USC 1681 section XXXX section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states u have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Consumer complaint received 2024-07-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

I applied for XXXX XXXX XXXX XXXX. Shellpoint/Newrez , my current servicer reached out to the program to tell them I did have a previous deferment with my prior lender. Unfortunately, Shellpoint/Newrez did not have documentation related to my prior deferments from XXXX XXXX that specifically spelled out what the deferment was related to. Shellpoint/Newrez only had documentation I had provided to them. This is unacceptable because they are required to maintain accurate records related to my loan. I gave them evidence that I had an approved deferment. That I had signed a docuscan ect. My paperwork cant explicitly state COVID-19 because that violates my rights to privacy, but the reason for deferment uses Covid-19 as an example. However, Shellpoint/Newrez should have had that documentation from Figure lending. As a result of Shellpoint/Newrez not having the documentation on file to relay to XXXX XXXX XXXX XXXX , Shellpoin/Newrezt gave inaccurate information to California Mortgage Assistance program . Shellpoint /Newrez told the program that it did not have records or information that stated my deferment was Covid-19 related. I was denied mortgage relief and tax relief. My application was closed and they are not accepting new applications. Shellpoint/Newrez is responsible for this situation. I demand that they amend the inaccurate information relayed to XXXX XXXX XXXX  XXXX. However, this is not possible because the program is closed to new applicants due to low funding. Shellpoint/Newrez must provide me mortgage and tax relief as the program would have. I am not discussing any other options than RELIEF.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete a remove all invalid information that is hindering my credit file. all of the accounts listed does not follow the FCRA rules. this has caused major delays on credit file. I am a victim of identity theft. please review an remove the accounts listed asap.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inital complaint filed XX/XX/year> - XXXX ; was told that I would be able to access my credit report. I am still unable to access my credit report on Transunion 's website and annual credit report.
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach
Consumer complaint received 2024-06-08
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. (NE)

I recently reviewed my credit report and noticed an account that was reporting inaccurately. I have 1, 30 day late payment on my account XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/2021 that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This morning, XX/XX/2024 I attempted to log in to my account via my mobile app. I was prompted with a request to change my password. When I attempted to do this it wouldnt work so I called the bank. Upon being on the phone with the bank, they stated that my account was closed due to a business reason they could not share with me. According to the bank I have to wait until theres a closure date for my account at which point theyll mail me a check for the remaining balance in my account. I have XXXX children and no way to get by the weekend as all of my assets are in my account. This has been so frustrating and humiliating. I need help asap
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Loan balance incorrect Payments were made during months they are listed as unpaid or late High balance is incorrect There is no credit limit because it's not a credit card but a loan so having a zero credit limit makes it look like I've over the limit. 
payment status has not been updated since XXXX and i've paid in XXXX and XXXX and soon to pay in XXXX
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (KY)

On the morning of XX/XX/2022 at approximately XXXX after a week, of trying to request a letter from Navy Federal Credit Union about a PAID IN FULL letter, I was instructed that if I went to the nearest facility, which is located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX, that the letter that I requested going on a month would be at that branch. I drove to that branch on the morning of XX/XX/XXXX, at XXXX and walked in the branch and spoke with a gentleman by the name of XXXX, who stated that he was the Branch Manager. I told him why I was there, and he instructed me that he would have to sign me in and that I would have to wait for a Representative, and to take a seat in the lobby. I said well the letter should be here, its just a letter that is impeding my employment, and this was the 5th time that I have visited this branch for the letter, and numerous phone calls. Don't get me wrong I was upset due to the fact that is one particular piece of paper that I needed is impeding my employment, and have asked numerous times for it, and was told that it was at the branch, wasting gas to drive back and forth out of my way to this branch. I sat their not happy, and was having a conversation with a lady that was in the same branch of service at the same time as me, and we were just talking about " XXXX XXXX XXXX XXXX' This gentleman XXXX XXXX had the fortitude, to walk up between the lady ( another customer ) and I and start explaining to me about this particular letter, and what it was concerning, to include what the letter was about, and where is was coming from, including financial monies that was included in this particular letter. I was XXXX XXXX and XXXX  I asked him was his name was and at first he told me, that he did not have to tell me what his name was, and he asked me to leave, I looked at him, and said " I want your name, and I will leave '' He stated that his name was XXXX, and that he was the Branch Manager '' I used explicit word because for him to shout my financial information in a public lobby with 40-45 people in this small branch, was uncalled for, and not professional and to me, that was illegal. You don't talk about someone's finances to the whole branch, including employees and customers.
Consumer complaint received 2024-07-15
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. (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. 

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  has violated my rights. 

15 U.S.C 1681 SECTION 602a. : STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A. : 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 CONCUMER REPORT CONTAINING ANY OF THE FOLLWOING 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 2024-07-12
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. (OH)

In XXXX of XXXX I bought a car. After purchasing, I received an email from experian that my credit score was very low in XX/XX/XXXX. I looked at my credit report and saw a credit card that was past due from XXXX XXXX XXXX that was not my credit card/account. I never opened this card/account, did not know this card/account existed, and never have received any info on this card or account. I immediately took action with XXXX XXXX XXXX  and my local police for identity theft and to have the account removed from my credit report. In XXXX of XXXX opportun approved that the account was identity theft and I was not responsible for it and it should be removed from my credit report. I am still fighting for it to be removed from experian and XXXX even though every time I contact XXXX they say that since XX/XX/XXXX they have said its not mine and should have been removed. I have XXXX letters from XXXX  stating this too. It has been removed from XXXX. I believe my information was stolen during a data breach at XXXXXXXX XXXX XXXX XXXX  of XXXX. Please remove this account from my credit report at XXXX and experian.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-07-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (MO)

placed of collection XX/XX/year> Hunter Warfield Inc # XXXX ( XXXX XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) Balance {$1200.00} XXXX  XXXX XXXX XXXX XXXX / Leasing date updated XXXX