davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-03
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. (TX)

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-03
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-03
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-03
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. (CA)

I submitted a complaint to CFpb XXXX on XX/XX/XXXX this year regarding XXXX experien and XXXX information on my account during the time that alleged incident occurred. I personally had to go out and find the mortgage company all the way in XXXX XXXX and work with him in order to get a {$20000.00} condo off of my account from XXXX XXXX. After which responded to you saying they would investigate these things delete all the inquiries. None of the inquiries were deleted, and my credit is still suffering.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I have a mortgage with Mr. Cooper formerly none as Nationstar Mortgage. I frequently send in money towards my principal balance on my mortgage. On XX/XX/XXXX, I sent in a check marked specifically to go towards my principal in the amount of {$1700.00}. 
The check was posted as a regular payment. The regular payment is on Auto Pay and it is posted every month from the banking account. I have contacted Mr. Cooper several times starting XX/XX/XXXX when I got a statement showing they put the money as a mortgage payment. Spoke with XXXX, she said it would be corrected in 24 hours. It was not. Next, I spoke with XXXX, I was told it was denied when the request was put in because the regular payment had not come in through the auto draft. On XX/XX/XXXX, I spoke with XXXX, she said it was denied again. I asked to speak with a manager and XXXX with Account Services came on the phone. She said she would personally handle the situation and gave me her personal number XXXX and asked me to call her on the XX/XX/XXXXafter the auto payment had posted. TheXX/XX/XXXX being a holiday, I called her on the XX/XX/XXXX at XXXX. No one answered the phone nor did a recording came on. All the numbers I have called for Mr. Cooper, No answer. After going through all the prompts I have been on hold for 30 min, then a recording say do to weather this number is not set up to receive calls. XXXX, this is the number on the statement.
Consumer complaint received 2024-06-21
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)

My student loan are being furnish without my consent I never gave any person consent to report my student loan Department of education XXXX Account # XXXX 15 USC 1681b Clearly States Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

That aggravated Identity Theft 18 USC 1028a because the have possession of my information and they are also using it without consent from the consumer
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo (NY)

My account with KOVO INC was never late! I have had exceptional payment history with KOVO INC and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


KOVO INC Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-03
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 credit report in XX/XX/2024 and noticed my account was not reported accurately. I had a late payment on an account that was, in fact, paid on time. After two letters were sent ( in XX/XX/2024 and XX/XX/2024 ) the information remains incorrect in my reports. 
The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my most recent report of XX/XX/2024 to this complaint. I am now requesting that you investigate and provide verifiable proof, with records, showing that I had late payments. 

Please note that if this information can not be verified, I demand these payments be updated to " Paid On Time '' immediately. 

Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-03
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)

Having filed with the FTC identity theft reports XXXX and XXXX ( current ), as well as concurrent complaints with CFPB, as to the account XXXX XXXX XXXX XXXX - account number XXXX as a fraud occurring from identity theft as not " authorized by me '', I am reasserting under FCRA 605B ( 15 U.S.C. 1681c-2 ), as well as " Notice to Furnishers of Information : Obligations of Furnishers Under the FCRA that the fraud filed complaint under, and reported, through both the FTC and CFPB was a fraud through identity theft not as the applicant and credit holder of the account ; but a fraud committed as the holder of the account and credit " not authorized by me ''. The tires were never received, taken, or mounted and were not to be charged to my credit account. I went back, in person, twice, and both times, I was told " it was being handled '' by management. I was never charged or paid anything, and I never authorized the charging of my credit account.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I submitted letters in XX/XX/year> and XX/XX/year> to request corrections in my name, mailable address and ex-employers. As of today, information still remains incorrect in my credit report files. 
My correct name is : XXXX XXXX XXXX XXXX My only address is : XXXX XXXX XXXX, XXXX XXXX, FL XXXX I wish to have my ex-employers removed And... I do not wish to include my current temporary employer.
Consumer complaint received 2024-05-03
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. (NC)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Jonesboro, Inc. (AR)

The collection agency is named XXXX XXXX  XXXX. The original creditor is XXXX XXXX XXXX. I have no knowledge of this debt and have tried repeatedly to contact the collection agency and never got a response back. The date this was supposedly opened was XX/XX/2011
Consumer complaint received 2024-05-03
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. (NY)

I recently reviewed again my XXXX, XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-09-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

At this point Im going to have to hire an attorney. I do not owe this facility money. I moved by my lease expiration and never signed a new lease after they asked. Also, theres a 5 month gap on my ledger where the old manager did not record payments that I made which caused a massive credit. The new manager is trying to extort money out of me because there were several damages to the property due to no fault of my own for example, mold, crack in wall due to the contractors trying to lift the building and it caused a massive hole, and a rotted patio doors amongst other things that needed to be replaced. The new manager is just trying to say I have a balance in order to offset the money they had to pay fixing the problem with the mold, termites, foundation problems and rotted patio. I have attached pictures of all the damage as well as the email where my lease ended. I did not sign a new lease after the manager informed me that they couldnt do any upgrades but the rent would still increase. I decided to not renew my lease after hearing this. The manager is just looking for monies from me to pay the bills on the many things that were wrong with the unit. I will also be consulting a lawyer about the mold in the apartment. I havent been able to breathe right since residing at this location. Again I tell you this is not my balance see attached pictures.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT TREASURY Account Number:XXXX and list of Inquiries.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and XXXX have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent, attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. 

Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. 

IN ADDITIONA CREDIT COLLECTION SERVICE DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF GEORGIA . Lastly Fact, please show good faith in the matter by expediting deleting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

I am writing to bring to your urgent attention a series of distressing events involving a joint account held by my son and me at Citibank. The details are as follows : We received an email notification from Citibank stating that a check for {$1000.00} was deposited into our joint account. However, neither my son nor I deposited this check.

Upon receiving the notice, we immediately contacted Citibank to report that we did not make this deposit. We were advised that the funds would not be released.

Following this, several other transactions occurred back-to-back, including additional deposits and withdrawals.

My son began receiving threatening text messages from an unknown individual, who claimed they would harm him and our family if they did not receive the money. 
XXXX XXXX XXXX XXXX XXXX was alone in XXXX XXXX at the time, and the situation caused him extreme distress. The person sending the messages claimed to be tracking his movements via his phone. 
Subsequently, the individual was able to deposit over {$4000.00} and withdraw {$2000.00} from his savings account.

We advised Citibank that these transactions were fraudulent and requested that the funds not be released. Despite our warnings, the fraudulent activities continued, including deposits of fake checks and transfers via XXXX and XXXX XXXX. 
Given these alarming circumstances, I request an immediate and thorough investigation into the fraudulent activities on our account. Additionally, I urge Citibank to take all necessary measures to ensure the security of our funds and personal information.

This situation has caused significant emotional and financial distress, especially considering my son 's condition and his vulnerability during the time he was alone. I trust that Citibank will handle this matter with the urgency and seriousness it deserves.

Please acknowledge receipt of this letter and inform me of the steps being taken to resolve this issue at your earliest convenience.