davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NC)

On XX/XX/2023, I received an email notification from Affirm that my account was nearing 60 days past due, at which point my delinquency may be reported. The email also stated to resolve my outstanding payment today. I then called Affirm and spoke with a representative who stated that Affirm does not report 30 day delinquencies, but does report 60 day delinquencies. The representative also said that a payment was needed to be made by XX/XX/XXXX to prevent the account from going 60 days past due and avoiding a possible 60 day late credit mark. On XX/XX/XXXX, I logged into the Affirm website and paid off the loan in full. Unfortunately, Affirm still reported the account as 60 days past due. I previously disputed this through my XXXX credit monitoring file, but Affirm did not correct their error.
Consumer complaint received 2023-09-02
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 consumer report has been improperly used and my rights have been violated. 
In accordance to 15 USC 6801,6802. I was supposed to be given appropriate notices to report anything on my consumer report and then be given the option to opt in or opt out of allowing that information to be reported to my consumer report and then be given the exact process to be able to opt out securely. 

This information is an invasion of my privacy rights. 
The Granm Leach Billey Act 15 USC 6802 states that I as a consumer should receive a notice and that this information can not be reported in public, it is my personal information and the listed items below should be removed immediately because I never received a notice nor did I give my permission to anyone. 
1 ) XXXX XXXX - # XXXX XXXX 
2 ) XXXX XXXX XXXX- # XXXX XXXX 
3 ) Dept of EducationXXXX # XXXX XXXX 
4 ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 
5 ) XXXX XXXX XXXX 6 ) XXXX XXXX - # XXXX XXXX 

7 ) XXXX XXXX XXXX - # # XXXX I never received NOTICE or gave anyone PERMISSION. Remove these items from my consumer file.
Consumer complaint received 2024-04-01
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. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NH)

My credit was damaged when my mortgage company misapplied a payment and then accused me of missing payments. I make my payments the first of every month without fail. 
During an escrow analysis, I called customer service with a question. Unknown to me this triggered an inquiry which then led to my entire next mortgage payment being misapplied to the escrow account instead of to my mortgage. Again, unknown to me, all my subsequent payments were " late ''. When I was finally notified after several months, no one in customer service could tell me what had happened to my payment. After more than a month of calling and speaking to customer service and escrow representatives, all of whom assured me that they would take care of it and promised to call me back ( they never did ), I finally spoke to an intelligent young man in Escrow who figured it out and realized that the payment had been misapplied. At the same time I received checks from the company for a huge escrow overage ; the misapplied payment. This young man and a customer service rep managed to it straighten out and I used the escrow overage checks to make that " missing payment ''. When I asked about my credit ( score ) being damaged, I was assured that would n't happen. Of course, it did. When I contacted the mortgage company to ask that the negative information be corrected, I was informed by the " Research Department '' that this could n't be done as I had missed payments! Payment ( s ) that the mortgage company had misapplied. 
My credit has been damaged through no fault of mine, the mortgage company takes no responsibility, and I can not get through to anyone who can correct this misinformation and repair my credit score.
Consumer complaint received 2024-04-23
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. (TX)

In accordance with the Fair Credit Reporting Act these accounts below has violated my rights. 

Account Name : XXXX XXXX XXXX, XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX, XXXX Account Number Ending : XXXX Account Name XXXX XXXX XXXX XXXX Account Number Ending : XXXX Account Name : Dept of EdXXXX  Account Number Ending : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXXXXXX Account Number Ending : XXXX Account Name : XXXXXXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX Account XXXX Ending : XXXX Account Name XXXX XXXX XXXX XXXX Account Number Ending : XXXX Account Name XXXX XXXX XXXX  Account Number Ending : XXXX Account Name : Dept of XXXX XXXX Account Number Ending : XXXX Account Name : Dept of XXXX XXXX Account Number Ending XXXX XXXX Account Name : XXXX XXXX XXXX Account Number Ending : XXXX Account Name : Dept of EdXXXX Account Number Ending : XXXX Account Name XXXX Dept of EdXXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX  Account Number Ending : XXXX Account Name : Dept of Ed/XXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account XXXX : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : XXXX of EdXXXX  Account Number Ending : XXXX Account Name XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX Account Number Ending XXXX XXXX Account Name : XXXX Bank Account Number Ending : XXXX 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, also states a consumer report agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-01
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. (GA)

EXPERIAN REINVESTIGATION REQUEST NOTICE XX/XX/2024 I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) EXPERIAN is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (MO)

I used the company Affirm to pay for some purchases I made. I was making my payments on time until they locked me out of the account because of an unauthorized user! I contacted them before any payments were late trying to pay over the phone they cant take payments because they cant access it either! This started in XXXX they caused me to become past due and have trapped me into a past due status. How can they look me out of my account not take money over the phone cause me to be late on payments and not fix it! Affirm literally is reporting me past due when they wont allow me to pay and to this date I am still locked out. There customer service reps tell me over and over they are fixing it yet they reported fraudulent information stating I am past due. I contacted this company before any payments were late begging them to fix it but yet I get no where. I want this fixed this caused my credit score to drop XXXX points. No one is helping me and this company is being allowed to report fraudulent incorrect information please help me!
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2023-09-26
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. (IN)

Im submitting a complaint to you today to inform you I found these inaccurate addresses in my credit reports and I did not find my current address included. I visited https : //www.ftc.gov and filed an identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate information which is being posted to my reports. Here is the list of addresses which do not belong to me : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-09-02
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 : ACCOUNT NUMBER XXXX, XXXX XXXX XXXX : ACCOUNT NUMBER 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 2023-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I was charged {$620.00} on XXXX XXXX and I did not authorize this charge. I immediately called Citibank to rectify the situation and they gave me a provisional credit. I had never been to this establishment or heard of it. I got a new card in the mail. Today, on XX/XX/XXXX, I went to deposit money into my account to pay my wifi bill, and it was negative XXXX dollars. I was shocked. It said that the charge was reversed in favor of the business. However, Ive never been here and Id like to see the proof that I was here and paid for this. Im currently pregnant and unemployed and this is proving to be a severe hardship for me that I cant pay bills on this account. I have only ever filed one dispute before this and that was back in XXXX XXXX XXXX, so this is not a common occurrence for me to file disputes. I would just like my money back as it is mine.
Consumer complaint received 2024-04-01
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. (NY)

Following the Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602. 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 an 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 a person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-12-27
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. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XX/XX/2021 XXXX XXXXXX/XX/2021
Consumer complaint received 2023-09-26
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-27
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. (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 2023-12-27
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. (NV)

In accordance with the Fair Credit Reporting act XXXX account XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (IL)

President Biden approved my student loans to be forgiven Aidvantage sent me a letter stating two of my three loans have been forgiven. They then reported late payments to the credit bureaus but the information isnt accurate. Ive been in forbearance for a very long time. I have no late payments.

They also issued a letter stating these two forgiven loans would be removed from my credit report within 30 days and that hasnt happened yet.

I need them to remove the late payments that they added which arent correct. I also need them to remove the two forgiven loans from my credit report