davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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. (NJ)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

Subject : Enclosed Correspondence Regarding Privacy and Opt-Out Request To Whom It May Concern, Please find enclosed XXXX letters regarding my formal request to opt out of reporting my personal information, as detailed under the relevant sections of the XXXX XXXX  and supported by federal guidelines. I am addressing these issues with respect to privacy protections afforded to me under 15 U.S.C. 6802 ( b ), along with applicable case law and Consumer Financial Protection Bureau XXXX. These letters outline my concerns and specify actions requested to ensure compliance with my rights. I am asking that these matters be addressed promptly, with acknowledgment of the requested removals within XXXX days. Thank you for your attention to this matter. I look forward to receiving confirmation of your compliance with these requests. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-24
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: TD BANK US HOLDING COMPANY (NY)

I purchased a XXXX phone directly from XXXX using their interest-free credit line serviced by an outfit called TDRCS/XXXX  Account XXXX. 

I had set up automatic payments through my bank and went on with my life. For some reason the bank stopped making auto payments as of XXXX of XXXX  and I was not aware about it until the credit company sent me a letter in XXXX of XXXX  ( why did they wait 5 months?? ) at which point I promptly went ahead and paid off the whole remaining balance of {$500.00} something dollars. 

In the meantime, this company had started killing my credit score by dropping it about XXXX points just because of XXXX missed payments of {$28.00} something dollars. I had 25 years of impeccable credit history, it is obvious that there was no ill intent on my part. What were I to gain by forfeiting XXXX payments of {$28.00}?? It doesn't make any sense. I paid the whole thing off immediately when the issue had surfaced. I contacted the company in XXXX  and wrote them letters which were scoffed at. I spoke to a manager of theirs and again my plight fell on deaf ears with the same rebuttal of " you were late and that's that ''. There was no compassion or any willingness whatsoever to assist a customer with a problem. 

I am coming back to this issue now and I want justice. I opened another dispute with XXXX, which now says it was updated but I don't see any results whatsoever. The delinquency is still on file.
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

Coinbase notified me XX/XX/18 that my account was being closed due to a policy violation. I was told multiple times that they would not disclose why my account was being closed. I had not logged into the account or performed any actions within the last year or two so I initially thought it was a scam. After going through weeks of attempts at verifying my identity and regaining access, I realized it was not a scam. 

I am being allowed 3 days to remove my funds before they lock my account again and keep my assets. I have protested four times that they must extend this window as it is impossible to create and verify a new wallet and also because they are preventing me from sending funds due to " security restrictions '' related to the recent lock and unlock of my account. They have only replied to say that my account was closed because of " either : resetting the password, logging in to an unknown device, or connecting to VPN that changes the IP address. '' which I have done none of. 

My funds were not available or accessible to me for the last month and are still not available for withdrawal. I fear I will be locked out of withdrawing them before I am able to and that I will lose all of my assets held with them.
Consumer complaint received 2023-11-14
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 called the closed student accounts with XXXX and XXXX XXXX about how accounts with them were reported. The XXXX representative stated he had only one account for me and I told him multiple accounts were showing up. XXXX XXXX informed me they only had one account for me and I informed them multiple accounts were displaying. I never gave these companies written or verbal permission to report anything to consumer reporting agencies.
Consumer complaint received 2023-06-22
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. (CA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-04
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. (IL)

In accordance with the Fair Credit Reporting act, account XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I filed for Chapter XXXX Bankruptcy in XX/XX/XXXX. At that time my Mortgage company ( Nationstar ) was considered a secured loan, which included escrow payments in my monthly fee. Those fees were {$1100.00}. I was in default of {$9800.00}, payments were included in the Trustee payment.I was informed in XX/XX/XXXX by my mortgage company that I needed to pay additional mortgage because the escrow increased. I later fell behind in my monthly mortgage payments and by XX/XX/XXXX i was in arrears of approx. {$15000.00}. Under a government program, Illinois Hardest Hit, in XXXX XXXX they paid my mortgage carrier {$18000.00}, my contribution to their forgivable loan was {$390.00} until XXXX XXXX. I then was responsible for the increased monthly mortgage of {$1400.00}. Last month I received a letter from Nationstar informing me that they failed to provide me with a yearly escrow analysis, since XX/XX/XXXX, because I am under bankruptcy, but because I requested an analysis, they completed one and there is a great shortage. I called them and told them I never requested an Escrow analysis but I thought I should have been informed yearly anyway. The mortgage payment then increased to {$1800.00}. I did not see any reflection of the paid defaulted mortgage.There is a carry over of an amount due of {$1600.00} on XX/XX/XXXX. How I do n't understand because Illinois Hardest Hit paid them a lump sum of my arrears. On the Escrow Analysis I received in XXXX XXXX, it does not list my current mortgage balance, yet it readily list projected charges XX/XX/XXXX as part of the reasons for such a huge increase. Nationstar never reported the mortgage default payment to my Bankruptcy Attorney or to my Chapter XXXX Trustee. When I brought this matter to the attention to my Bankruptcy Attorney, I was told they would look into the matter. I forwarded proof of mortgage default payments to my Bankruptcy Attorney, to no avail. I have had different attorneys because I was told some of them are no longer employed there. Nation star mortgage transfers me to one department after another without any resolution. They will not answer my question to date why they have n't noticed my bankruptcy Trustee about my mortgage being current. My bankruptcy is soon to be discharged in several months. I believe Nationstar Mortgage has intentionally mismanaged my escrow account. There was no reason for them not to provide me with an anual escrow disclosure, which would have notified me of any shortages in the escrow account.I have been very ill and now disabled.But I am now able to carefully read documents and follow-up on my account with mortgage provider.
Consumer complaint received 2023-12-14
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)

To Whom It May Concern, I am writing to dispute information in my consumer report provided by your agency. Upon reviewing my report, I discovered non-public information about me has been disclosed to a non-affiliated third party without my written consent, possibly violating the provisions outlined in 15 USC 6802. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure raises concerns about my privacy rights, as I was never given the option to opt-out, as mandated by law. 

I observed that certain accounts, specifically those associated with [ Creditor Names ], are being reported without my written consent. I want to clarify that my dispute lies with your reporting agency for disclosing and reporting information without proper authorization, not with the creditors. 

Referring to 15 USC 1681b - Permissible Purpose, I note that a consumer 's written consent is required for the reporting of personal information. To date, I have not provided such consent, and I request proof of my consent to ensure compliance with this legal requirement. Failure to provide this evidence could be considered a violation of my FCRA rights. 

I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter, with complaint reference number XXXX. I believe the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, akin to identity theft. 

In accordance with 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : 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  I also request the removal of the unauthorized inquiries from XXXX XXXX XXXX XXXXXXXX on the following dates : Inquiry date XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XXXX XXXX, XXXX I assert my right to a fair and accurate credit reporting process, and I believe prompt removal of these accounts is essential to rectify reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and proof that I was given the option to opt out of the reported information. This ensures your reporting agency adheres to necessary standards for accuracy and fairness in credit reporting. 

I expect your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Failure to comply with FCRA provisions may result in further legal action. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

THIS ACCOUNT REACHED IT'S 7 YEAR EXPIRATION DATE IN XX/XX/XXXX, YET IT STILL APPEARS ON MY CREDIT IN CLEAR VIOLATION OF THE FCRA LAWS!!! 

DO NOT SEND ME ANY PHONY LETTERS DEMANDING I IDENTIFY MYSELF! I HAVE DONE WHAT THE CFPB REQUIRES ON THIS SITE WHEN FILING THIS COMPLAINT! 

YOU ARE IN CLEAR VIOLATION OF THE FCRA LAWS FOR ALLOWING OUTDATED NEGATIVE INFORMATION TO REMAIN ON MY CREDIT PAST ITS TIME! 

I WILL BE WELL WITHIN MY LEGAL RIGHTS TO SUE YOU UNDER THE FCRA LAWS AND WILL FOLLOW THROUGH ON IT WITH THE PROOF OF MY CREDIT REPORT FOR XX/XX/XXXX WHICH I PULLED TODAY AND THE OUTDATED ACCOUNT REMAINS DUE TO YOUR REFUSAL TO REMOVE IT PER THE FCRA LAWS!
Consumer complaint received 2023-12-14
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. (PA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to formally dispute and request the removal of certain late payments that are currently being reported on my credit file. After reviewing my credit report, I have identified inaccuracies related to late payments, and I am confident that these entries are incorrect. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of the late payments on my account. I have thoroughly reviewed my financial records, and I have not identified any instances of late payments on the specified dates. 

XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXXXXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX customer service I kindly request a thorough investigation into this matter, and I ask that you remove the inaccurate late payment entries from my credit report. Having an accurate representation of my credit history is crucial for my financial well-being, and I believe the removal of these entries is warranted based on the supporting documentation provided.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2024-04-04
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)

In accordance with the fair credit report act the list of accounts has violated my federal protected consumer rights to privacy and confidentiality. Account Name : 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 USC 1681 action 602A states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C 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 record by 7 years. 15 USC 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 inaccurate
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-12-14
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)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.