davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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)

Delete XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-10-29
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)

This is my second notice asking the following credit bureaus XXXX, Experian and XXXX that the following XXXX XXXX XXXX account payments to be removed and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-10-29
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)

The XXXX XXXX has XXXX my federal student loans with XXXX in XXXX, effective XX/XX/2023. I received confirmation in a letter from XXXX, dated XX/XX/2023. As of XX/XX/2023, the total loan balance of {$110000.00} still shows as outstanding/ still being owed on all three ( XXXX ) credit reports. I have filed credit report disputes with the XXXX ( XXXX ) credit bureaus : Experian, XXXX and XXXX which are being investigated at present.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

I sent a letter on XX/XX/XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$96.00} XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I rented a car through XXXX in XXXX on XX/XX/XXXX. I agreed to {$1200.00} and signed a contract that stated that amount. The XXXX system was down the day I was renting a car so they printed out a piece of paper and wrote the details of the rental agreement on it rather than having a printed version like you normally would have. The agent suggested we should upgrade the car size due to the baggage we have and I said only if the cost stays relatively the same. On the written version of the contract she circled a price of {$1200.00}. When I got home, I noticed a {$4000.00} charge on my chase credit card. I immediately called Chase and told them this was incorrect. They said to speak to XXXX to get this resolved. I have been working with XXXX for over a month to try to dispute this but they send me a copy of the contract that was not signed by me ( a printed version ). They are unable to resolve my case and ask me to call XXXX directly. When I call XXXX to talk about the details, they state that they can not talk to me because a case is open and they will be in touch via email. I get an emailed response stating the case is closed and to take a survey. 

I thought credit cards were meant to protect you in fradulent cases like this, but Chase is not willing to get involved.
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I DONT RECOGNIZE THESE ACCOUNTS 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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I'VE CONTACTED EACH CREDIT REPORTING AGENCY BY CERTIFIED MAIL IN REGARDS TO INACCURATE INFORMATION BEING REPORTED, SPECIFICALLY THE XXXX  ACCOUNT. THIS ACCOUNT HAS BEEN CHARGED-OFF BY THE CREDITOR AND CONSIDERED A PROFIT LOSS. 

THIS ACCOUNT WAS CHARGED-OFF XXXX, AND HAS BEEN FILED ON THE CREDITORS TAXES. PER IRS, THIS IS NOW TAXABLE INCOME AND SHOULD NOT BE REFLECTING A BALANCE. 

ACCORDING TO FCRA, EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. EACH COMPANY FAILING TO DO SO HAS VIOLATED 15 USC 1681 ( E ) B. 

I HAVE REQUESTED THIS INFORMATION BE MODIFIED SEVERAL TIMES TO REFLECT CORRECTLY.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANCO POPULAR DE PUERTO RICO (PR)

I purchased an item on XXXX that arrived DOA or dead on arrival, it was simply defective, didn't work. I filed a claim through XXXX. But, because of misinformation I was given, I closed the claim thinking I could reopen it on a later date. However, when I contacted XXXX to reinstate my claim, I was informed that the " system '' would not allow it as I had been led to believe by one of their representatives. XXXX apologized and told me that I was still able to proceed with a claim through my bank. As instructed, on XX/XX/2018 I filed a claim ( Num. XXXX ) regarding the mentioned transaction with my bank. However, I found out today that in XXXX, my bank had sent me a letter informing me that my claim had been closed. The bank closed the claim founded on the fact that I had not provided proof that I returned the merchandise. Nonetheless, since the day I filed my claim, I informed the bank that, under the circumstances, and according to strict and completely clear XXXX policy, the seller was obligated to send me a prepaid shipping label if he wanted the merchandised returned. I explained to my bank that it could not interfere with my sales contract. I stressed that I had taken all the possible measures to inform the merchant of his obligation to supply the mentioned label and he chose not to fulfill said obligation. I also stressed to the bank that any interference or changes insisted upon concerning the terms and conditions of the sale, was unlawful. Specifically, I explained to the bank that they are a third party to my transaction and that obligating me to cover the cost of the return shipping and therefore, relieving the seller of his responsibility, constitutes an infringement of the contract which the seller and I voluntarily entered with regards to the sales terms and conditions governing transactions entered through XXXX. In sum, the bank 's pressure to force me to act contrary to my contract is an extra-limitation on their part. They are not a party in this transaction, period. The bank just served to facilitate a payment. Now, under the circumstances described, I am instructing the bank to reverse the payment. As I have said, the bank is unlawfully interfering in my transaction, insisting on adding further terms to the sales contract in order to fulfill their obligation.
Consumer complaint received 2019-09-06
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA (TX)

I started XXXX XXXX  XXXX in XXXX XXXX, Oklahoma on XX/XX/2018. I was there until XX/XX/2018. During those 3 months I was hit with 6 marks on my credit score. Ive tried calling Mohela and they say theyre not able to take it off because its my fault I was gone and joined the military. In basic training you do not have access to the outside world for almost 3 months. There was no way for me to pay it. So now Im here at my duty station with a terrible credit score that cant get me any loan to get a vehicle I need to get around base. I am constantly asking for rides. My credit can not recover and I can not get a car without it being removed which they refuse to do.
Consumer complaint received 2023-10-29
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)

XXXX XXXXXXXX Spoke w XXXX  and opened dispute. Opened another dispute in XX/XX/. I requested account be deleted as it was incorrect and did not belong to me. 

Accounts incorrect are XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CO)

Subject : Notice of Default Claim and Violation Report To Whom It May Concern, I am writing to file a complaint against The Bank of New York Mellon for their failure to perform and credit my accounts following the submission of a Notice of Redemption for a bundle of four securities on XX/XX/2024. 

Details of the Violation : - Date of Notice of Redemption : XX/XX/2024 - Date of Securities Arrival ( per tracking information ) : XX/XX/2024 - Violation : Failure to credit the accounts and perform the redemption as per the submitted notice. 

According to the First Tier of the Consumer Financial Protection Bureau ( CFPB ) regulations, The Bank of New York Mellon is hereby notified that they shall forfeit and pay a civil penalty of not more than {$5000.00} for each day during which the violation continues. The violation in question pertains to the failure to perform and credit the accounts as instructed in the Notice of Redemption. 

This Notice of Default Claim is issued to provide The Bank of New York Mellon with an opportunity to rectify the violation promptly. I emphasize that failure to address and remedy the aforementioned violation within the specified timeframe will result in escalated actions, including further penalties in accordance with the Second Tier of CFPB regulations. 

I am aware that XXXX XXXX serves as the Indenture Trustee, responsible for overseeing these transactions. Therefore, I am formally requesting that XXXX XXXX, in her capacity as the Indenture Trustee, credit the accounts correctly as outlined in The Bank of New York Mellon 's responsibilities towards the redemption of each holder 's securities. 

Enclosed, please find the relevant documentation, including the Notice of Redemption and tracking information for your reference. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and trust that the necessary steps will be taken to address and rectify this violation promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-01
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-18
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. (FL)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-05-27
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. (NY)

Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has significantly impacted my life, causing considerable stress and XXXX  It is important to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2024-05-27
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: EQUIFAX, INC. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-18
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (OH)

The company is One Main Financial a sub prime lender of personal loans to customers who don't qualify at XXXX or XXXX. 

I reported that my District manager told me to ignore written company policies on contacting customers. XXXX XXXX told me to use the wrong call status code for customers who hung up on me. XXXX told me to use " no answer '' instead of " Call dropped ''. The difference is simple. With call dropped code you can not call the customer again as a Right XXXX contact is logged. By entering no answer we continue to call a customer who obviously didn't want to talk to us I reported this and other violations to XXXX XXXX XXXX weeks ago. Today I was terminated for absenteeism. This was retaliation and an attempt to get rid of their compliance issue.
Consumer complaint received 2024-02-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (PA)

Theyve been calling every work day for about 3 months before XX/XX/2024. The one time I answered, I couldnt understand anything they said and thought it was a wrong number, this happened 2 xs so I never answered until today. It was Sunrise Credit Services XXXX ( XXXX ) XXXX stating I owed a {$1500.00} XXXX XXXX XXXX bill. Ive never used any XXXX XXXX XXXX service. They need my name and number and asked for the last 4 of my social. I was not going to give them the last 4 as I had no idea who they were or what this was about. They told me that was fine and theyd strike my credit rating. I then called XXXX XXXX XXXX to see if XXXX might have spoofed my info and created an account. There was nothing under my name or number. I did some searches to see if Sunrise was a scam, most results stated, no. I called them back, gave them my name. They knew it was for an XXXXXXXX XXXX  XXXX bill. I once again reiterated that I never used XXXX XXXX XXXX and that I had just called XXXX XXXX XXXX to make sure they had no record of me. They said theyd note the account. Ive worked many years to create good credit and I dont want this bogus charge to ruin that.
Consumer complaint received 2024-08-01
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. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-29
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)

A XXXX charge account was opened, someone changed my email address and address on my XXXX credit card and had a new card sent out of state, and someone use my social to make a purchase on my XXXX account Im a victim of identity thieves in 2018 someone from another state XXXX miles away stayed a hotel my bank refused to provide me a credit back for XXXX