davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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. (GA)

Transunion XXXX XXXX are inaccurately reporting the account XXXX XXXX  Account # XXXX it is listed as a charge off but that is not correct. Any account charged off with a balance is should be refunded to the consumer furthermore neither agency provided me with evidence that this account is indeed a charge off. You will need to provide the documents or turn any recording you have that proves you spoke to someone to verify this information before you furnished it on my consumer report. It is my right under FCRA that each account be properly validated.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion XXXX XXXX are incorrectly reporting the account XXXX XXXX  Account # XXXX it is listed as a charge off on my consumer report. Any account that is terminated by a creditor must be refunded to the consumer within 7 days so I am requesting the information they used to determine that this information is correct. Consumer agencies does not have access to private financial records so I know this account has not been validated.
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

SPS bought my mortgages from XXXX XXXX starting XXXX of XXXX. They have resolved this same issue with one of my loans, but not the other. SPS says that I am in default although they have collected the money via ACH every month on time. They have said that they are not applying the payments to my mortgage ( although they have the money ) and threatened that if I don't make an additional payment this month I will face credit problems and legal proceedings to take the house.
Consumer complaint received 2023-12-07
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. (MI)

XXXX XXXX is ignoring their obligations under 15 U.S. Code 1681s2. For account ending XXXX aka card number ending XXXX, XXXX XXXX decided to mark the account charged-off beginning XXXX XX/XX/XXXX, yet the account was alleged charged-off on XXXX XX/XX/XXXX. The Date of First Delinquency would thus be within the nexus of the XXXX XX/XX/XXXX. Yet, the data XXXX is supplying to Experian indicates the account would continue on-record into XX/XX/XXXX. That date is beyond the 7-year period and indicates the date of first delinquency is reported on or around XX/XX/XXXX, instead of a date within 150 days BEFOR XX/XX/XXXX. Moreover, the same issues are evidenced in the data XXXX is reporting to XXXX, as XXXX has consistently received updates from XXXX, in which XXXX claims the Date of First Delinquency is XX/XX/XXXX. It should also be noted the XX/XX/XXXX date is NOT supported by the payment history furnished to the CRAs by XXXX, with both XXXX and Experian showing the month of XX/XX/XXXX " paid on time ''. Thus, XXXX is supplying false/misleading/inaccurate information it knows, or has reasonable cause to believe is incorrect. In their response to { XXXX, XXXX and XXXX }, XXXX reerences the table supplied in response to XXXX, alleging the account is being reported as " accurate '' because it is consistent with the table of information provided. Yet, the table provided itself shows an alleged past-due payment that was thirty ( 30 ) days past-due in XX/XX/XXXX, and miraculously one-hundred twenty ( 120 ) days past-due for the month that followed, making a difference of ninety ( 90 ) days past-due over one ( 1 ) billing cycle.That payment history on its face is false/misleading/inaccurate. XXXX has engaged in acts and practices that are unfair, deceptive, and abusive and has sought to cover their XXXX by providing contradictory, misleading, inchoate statements in response to CFPB complaints. There is nothing lawful about their behavior and XXXX needs to take accountibility for their own incompetence instead of trying to justify incompetence and punsihing a person with a documented learning XXXX that has been afflicted with XXXX  ( also XXXX ) during this entire ordeal. It would appear to be " XXXXXXXX XXXX '' providing the XXXX in the XXXX XX/XX/XXXX response and then copying the same XXXX into the XXXX XX/XX/XXXX response. Each person touching the account during an " investigation '' has provided their own spin on XXXX which has been contradicted others.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX : Is showing open and late, this account is not open it has been paid in full closed. Also, this account shows late payments this account has never been late. 

XXXX XXXX : This is account does not belong to me. this account belongs to my brother with a similar name. I've asked for this account to be removed and or proof that this account belongs to me. 

XXXXXXXX XXXX XXXX XXXX  This account does not belong to me and i have asked for this account to be removed. I also asked for proof of this account belong to me.
Consumer complaint received 2023-11-26
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. (CA)

Hello, My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from all of my credit reports. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (MI)

My father passed away, I still live in the house. Freedom mortgage confirmed me as a successor in interest, the deed is now in my name. Freedom mortgage will communicate with my over the phone, but refuse allow me online access to access loan documents and make payments. They claim they will only allow me online access if I refinance the loan.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-12-07
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)

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 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. Solution Please delete these accounts in which my consumer rights has been compromised.
Consumer complaint received 2023-12-07
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 filed a complaint against all 3 of the reporting agencies last month XX/XX/2023, in reference to improper credit reporting and unlawful reporting as well as multiple violations committed by sub reporting agency XXXX XXXX. 
My information was disputed and confirmed inaccurate by XXXX, however, the other major agencies, ( experian, XXXX XXXX XXXX ) have reported information on me without pemissible purpose 15 USC 1681 B ( a ) ( 2 ) and Right to privacy 15 USC 1681 ( a ) ( 4 ), and finally 15 USC ( a ) ( d ) ( 2 ), Exclusions pertaining to consumer report law, in reference to reporting late payments within transactions. 
These agencies have violated my rights and violated the law! 
As the overseer of these reporting agencies, I am requesting that these violations be removed from my bureaus effective immediately, and my scores returned to their proper levels, ALL OVER XXXX Thank You XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AZ)

In XXXX, I booked a reservation at an XXXX beginning on XX/XX/year>. On reviewing my credit card activity, I saw that the XXXX was miscategorized in a real estate category instead of home share. Furthermore, I was only given XXXX points instead of the XXXX travel points I had gotten from numerous other airbnbs with the same card. It's also well advertised and within the card member agreement that the Chase Sapphire preferred card receives XXXX for XXXX stays.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, 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, US DIST CT ACCT XXXX, XXXX XXXX XXXX Acct- XXXX, XXXX XXXX XXXX XXXX ACCT : XXXX, XXXX XXXXXXXX ACCT : XXXX, XXXX  XXXX acct XXXX, XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX, XXXX  acct XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Note I have reached out to directly to XXXX for the original signed contract and they can not provide I request deletion of this debt from my credit file.
Consumer complaint received 2023-12-07
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. (SD)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-07-21
Product: Credit 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: JPMORGAN CHASE & CO. (NY)

I bought a bikini worth {$1100.00} from XXXX on XX/XX/XXXX and never received the package. I disputed the money in Chase. But it was rebilled on XX/XX/XXXX. I checked XXXX 's order website and it showed that the package was returned to XXXX and it would be refunded to my bank in XXXX weeks. On XX/XX/XXXX, I received a refund of {$580.00}. I contacted customer service to ask why the refund amount was not {$1100.00}. He told me that my return was damaged. I never received the package. I asked XXXX to give me proof of the damage, photos or videos. XXXX refused to give me proof and I went to Chase to dispute the bill. I disputed with Chase 4 times and provided all the customer service chat records and order information. Chase closed my dispute 4 times over the phone and told me that I had to bear the loss myself.
Consumer complaint received 2023-12-07
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. (LA)

Inquiry for Credit card showing on credit report for XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/2023 I did not apply for a XXXX card because I already have one with the company. Please remove inquiry.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-12-07
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)

Experian continues to report inaccurate accounts on my report and keeps sending me emails saying the dispute letters do not appear to be me when I send them certified mail and provide my driver 's license and other forms of identification. The following accounts need to be deleted immediately for inaccurate reporting of the FCRA. XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I am attaching the dispute letter, and it needs to be honored. I am also involving my lawyer for violations of my consumer rights, and Experian refusing to honor my several requests to remove inaccurate accounts from my report also, refusing my dispute letters is a clear violation of my consumer rights. They continue to send me emails stating my letters are not mine when they are, and I've sent them certified.
Consumer complaint received 2024-04-09
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: LEXISNEXIS (GA)

LexisNexis is not following the law. To stall on my concerns they continue to ask for information already provided to them. There are several name variations and address listed on my report that are not accurate and causing me to be denied credit that I am entitled to which is my right to openly contract without interference. Again my name is XXXX XXXX there should be no other names listed on my consumer report. My only legal address and residence is XXXXXXXX XXXX XXXX XXXXXXXX, Georgia XXXX any other address is not correct and should be removed immediately.
Consumer complaint received 2023-10-02
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. (CT)

These accounts are reported incorrectly and do not belong to me, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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)

I wrote letters to the credit bureaus to reinvestigate these accounts, However, they stated everything was complete and accurate. Specifically, I asked for the original application bearing my signature as proof, which they have failed to provide. 

This situation is a clear violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681. The accounts in question, detailed below, infringe upon my rights to privacy and confidentiality as stipulated in the Act. 

Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my efforts to have these accounts reinvestigated by the Credit Bureau ( CB ) , their response was that the information was accurate. This is perplexing, especially when the open dates, dates of last activity, payment history and among other details, are evidently incorrect. Attached are screenshots as evidence of these discrepancies. According to 15 USC 1681i ( 15 ), there is an obligation to modify accounts that are inaccurately reported.

Furthermore, the following sections of the FCRA support my claim : 15 USC 1681 Section 602 A, which underscores my right to privacy.

15 USC 1781 604 Section 2.

15 USC 1681c ( a ) ( 5 ), which specifies the prohibitions on consumer reporting.

15 USC 1681 2 ( a ) ( 1 ), regarding the restrictions on furnishing consumer information.

Additionally, Experians practices appear non-compliant with the Metro 2 credit reporting standards. I have substantial evidence to support my claims and am prepared to present this if required. 

I seek your assistance in addressing this matter with all 3 credit bureaus to ensure that my consumer rights are upheld, and the inaccuracies in my credit report are duly rectified.