davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-11
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)

Ive been making regular payments to my carecredit credit card and they have been reporting me deliquent and affecting my credit negativity. Ive been contacting the card company and they refuse tk help me instead they have closed the account and put my account as delinquent. Included in the attachments are screenshots from my babk account of the payments that have been made.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I was going over my credit report and the following addresses are all wrong and need to be removed off my credit profile. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX the only address that should be on there is XXXX XXXX XXXX.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (CA)

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 2024-04-11
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 have recently obtained a copy of my consumer credit report from your bureau and I am disputing the completeness and accuracy of the following information. This information is adversely affecting my consumer report, and I request that you promptly correct it. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX USAXXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. 

I trust that XXXX days is a reasonable timeframe for your investigation. Following your investigation, please furnish me with an updated credit report along with the names, addresses, and telephone numbers of the individuals who have been contacted.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I've consistently made sure that payments on this account are made on time, never allowing them to be overdue. I'm uncertain about the reasons for reports of late payment comments on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-11
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. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you removes these errors to correct my credit report immediately! I have reported this to the federal trade commission and attached the federal trade commission affidavit. Now that I given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

NationStar Mortgage is the only lender out of the XXXX other lenders that I have that give me issues. For about a year they kept calling me and harassing me about payments being late on the XXXX of each month, when in fact I had till the XXXX to make the payment. After a year of calling an yelling at them over the phone they stopped. Thank XXXX some law firm filed a class action against them which I was more than happy to sign up. 

2- They changed my bill to paperless. I have called multiple times about them changing it back to bill. 

3- My Adjustable rate expired and they never notified me that my payments had gone up. They assumed I would log in online and see it. I did not receive anything in mail 4- Every year, the harass me about my home insurance policy, they want to force their own policy on to me and they can not figure out my name after 7 years still.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Due to changes in Experian 's Credit Freeze lift process over the last XXXX years, I have been unable to temporarily life my credit freeze either by phone or on-line. I wrote a detailed letter to Experian on XX/XX/XXXX, asking for assistance in fixing the problem. After not hearing anything for a month, I wrote a second letter on XX/XX/XXXX, this time to the CEO, asking that the problem be resolved and that I be informed of a satisfactory resolution by mail. Instead, on XX/XX/XXXX, I received a short e-mail informing me that my credit security freeze had been permanently removed " as you requested. '' The email also told " please do not reply to this message. '' This action was NOT what I asked for in either of my letters, and NOT what I want or need. I simply want the Security Freeze I had in place to be re-instated, and that I be able to lift it on a temporary basis, as needed, either by phone or on-line, as was the case as recently as XXXX, the last time I successfully temporarily lifted my Experian Security Freeze. Please note that I have no problems with lifting freezes temporarily with the other two credit reporting bureaus. I would appreciate any assistance you can provide in resolving this problem.
Consumer complaint received 2022-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

I opened up a cash app account a couple months ago, I was a victim of id theft and my phone was stolen, I managed to get a new phone via insurance, once I lost my phone I noticed that there were charges on my cash app card. I disputed the charge through cash and my claim was denied. I filed an FTC report and sent it in to cash app with my new dispute and my claim was denied again. cash app sent me what they used to determine where or not my claim was true fraud. the only thing they sent me was a receipt from the unauthorzed charge. which doesn't show how cash app investigated the claim. I need my money back from the XXXX  charge as i need to pay my rent.
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (CO)

Beginning approximately 90 days ago ( today is XX/XX/2023 ) and continues daily. Elan financial calls my cell phone 2-6 times per day. Sometimes before XXXX and after XXXX XXXX. Try to answer repeatedly, say hello several times before being hung up on every time. Tried to return the calls and I am required to give an extension number that I do not have I have 2-3 accounts that are managed by Elan. I have no way of knowing which they are calling about
Consumer complaint received 2024-04-11
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. (NC)

XXXX XXXX XXXX I am unaware of the amount due and your bill does not include a detailed breakdown of any fees.

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability & Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization or delete account from my profile immediately
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (CA)

Today I reviewed my credit report. And discovered a fraudulent account from midland credit management In the amount of {$620.00}. The account is in connection to a previous XXXX XXXX XXXX credit card account that was removed from my credit report in XX/XX/2023 due to it being a fraudulent account. Midland credit management has reported this debt back on to my credit report.
Consumer complaint received 2024-04-11
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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2016-06-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (IL)

To whom it may concern, I was looking over my parents mortgage papers, and noticed that when they bought there house they first time buyers and the mortgage company they went to was XXXX XXXX, there house was priced at {$87000.00} with a down payment of {$3200.00} which leaves them financing {$83000.00} at a 9.347 % interest rate on the loan, looking over the papers, I discovered that they charged them a finance charge of {$160000.00} which is more than the asking price, the total loan ended up coming out to be {$240000.00}, which is almost more then double the price something is n't right here, and something needs to be done about this, they bought there home back in 1996 and still paying off this huge loan when really the house should be paid off, the real loan total should have been {$91000.00}, also in the matter they had a lawyer present through all of this, but looking through the papers his signature is no where to be found on any of the documents, My father would like a reduction on his left over balance of what he owes because this company fraudulently took advantage of them and something needs to be done, the reason we were looking through the papers was my Dad had to refinance through HARP at the time he had a 30 years fixed rate, but he thought he could do better through a HARP refinance. which he found out not to be the case, he thought he was getting a 30 year fixed modification at his age of XXXX years old, that would have been appropriate, the modification was done through XXXX XXXX, they had a program called the XXXX step which part of the loan was at 2.5 % interest and the remainder portion was at 3.0 % interest, but it turned out that was n't the case, he thought the HARP program was going to help but he came to find out that they gave him a 40 year mortgage instead they broke it down to XXXX different percentage pay scales, his intent of getting the modification was to get a 30 year fixed. he did n't want his mortgage to go up, he wanted it lowered because of his age, so he basically went from the fringing pan to the fire by getting his loan modified, being a trusted soul I thought that everyone would do right by him, because of the modification he will not be able to afford it when they do the next bump up on the interest rate, bottom line is that HARP does not help it hurts and needs to be fixed, the total mortgage process has be traded him, That we are seeking justice for all of this.
Consumer complaint received 2023-07-21
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: WELLS FARGO & COMPANY (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation (FL)

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 human trafficking debt bondage, which falls under trafficking according to Trafficking - 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 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 law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (VA)

This complaint is with CASH APP. I have had to instances with them with them where deposits were not refunded to my account ; XXXX due because it was sent to a closed account in my name an the latest XXXX on XXXX that has caused this formal complaint. On XX/XX/08 a {$500.00} was sent to my account At XXXX XXXX cash out were made at XXXX Bank for a total of $ XXXX contacted CASH APP to let them know that this was not my transactions and that this was an act of fraud on my account. I notified the police and I gave them the report # XXXX. Cash App told me that I needed to go to XXXX and find out who made the transaction. I asked them were they serious, that was not my job to investigate the theft. They denied to replace the money in my account. I find this inexcusable and THEFT on their part. 

I am not pleased that I am out of {$1000.00} because of this company. and I will close this account after this complaint is resolved.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

On Tuesday XX/XX/2024 at XXXX I received a call from a debt collector stating I owed money on my energy bill. I explained that I did not have any energy bills under my name since I have never had an energy bill or utilities bill. I've worked at a XXXX XXXX for the last decade where all my jobs required me to live-on campus. The XXXX XXXX were free due to the job needs, they also were in XXXX XXXX XXXX XXXX. This energy bill is with XXXX XXXX located in XXXX. The address for the location that my name was fraudulently used is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

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 2024-04-12
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-12
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: NAVY FEDERAL CREDIT UNION (SC)

XXXX has has not updated nor deleted the inaccurate I for that has been reporting on my report for more than 26 months thats XXXX XXXX XXXX XXXX That is currently in litigation and a federal court case has been established! Also XXXX is also violating the FCRA but reopening every 30 days and reporting false reports thats the same accounts are closed! This is fraud and need to be cease immediately. The account that is reporting is navy federal credit union! The account has been closed since 2022 but XXXX is falsely updating every 30 days! The navy federal that is reporting falsely has already been discharged and should no longer be reporting! Also with XXXX loans that is a violation of FERPA the Family Education Rights and Privacy act and also has been discharged!
Consumer complaint received 2024-04-12
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. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-05
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)

Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$3500.00} DEPT OF EDXXXX {$770.00} CHILD SUPPORT XXXX VA {$0.00} XXXX XXXX {$2400.00}