davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Here are the items to point out for the Capital One Account ending in XXXX : The account was closed, without proper notification to the consumer, although it was in good standing with a XXXX balance. 
A violation of the consumers right under CFPB Regulation B - Section 1002.9, which states, ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. 
The letter was mailed to the consumer in an envelope with a transparent window, which displays the company logo prominently. 
A violation of the consumers rights as noted in Regulation F of the CFPB, 1006.10 ( b ) ( 2 ) states ( 4 ) Not use any language or symbol on any envelope or in the contents of any communication by mail indicating that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;..

The communication with the consumer was at a time that was inconvenient, A violation as stated in 15 U.S. Code 1692c ( a ) ( 1 ) - Communication in connection with debt collection ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 
The closed account status furnished by creditors to the credit bureaus for the above stated account negatively affected the consumers credit worthiness and reputation as reflected in all three credit reports causing credit applications to be denied. 
A violation as stated in 15 USC 1692d ( a ) ( 2 ) elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
Consumer complaint received 2023-12-09
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. (FL)

I sent my dispute XX/XX/23. Experian updated my Experian portal saying they can not process my dispute. I sent in all of my verification documents ( drivers license, social, and utility bill ) They are refusing to give me my results while continuing to report negatively on my credit report. This is a problem and needs to be fixed.
Consumer complaint received 2023-12-10
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)

I believe that as a consumer reporting agency the credit bureaus should respect our privacy rights because as is Experian, XXXX and XXXX are credit bureaus and i am the consumer. i think i should have the right to make sure my private information is not being shared with any other third party or affiliates that i the consumer did not give my written consent and this is back by the law 15 USC 6801 which says " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer non public personal information. and the last time i checked i am the customer to the bureaus. these are the laws that back me 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 section 604 a section 2, 12 CFR section 1016.7, 15 USC1681 ( e ) ( b ) and the Privacy Act of 1974.
Consumer complaint received 2024-04-03
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. (IL)

Subject : Dispute Notification - Cavalry Port To whom it may concer, I am writing to express my utmost dissatisfaction and concern regarding the handling of the account associated with XXXX XXXX on my credit report. It has come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) concerning this account, and I am requesting immediate action to address this issue. 

Specifically, I am formally requesting a full debt validation, which should include the following details : Original Contract : Please provide a complete copy of the original contract between the purported creditor and myself concerning the XXXX XXXX account. 

Original Creditor : Kindly state the name and contact information of the original creditor linked to this account. 

Original Open Date : Specify the precise date when the XXXX XXXX account was initially established. 

Date of Last Payment : Clearly outline the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the XXXX XXXX account was officially closed, if applicable. 

I am fully aware of my rights under the FCRA, and it appears that there has been a failure to fulfill obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within [ 15 days ] from the date of this letter will leave me with no alternative but to take legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to do so. 

I anticipate a timely response, accompanied by the requested documentation, to be sent to the address provided above. Additionally, I request that any corrections made to my credit report be promptly reflected. 

Sincerely, XXXX XXXX Concerns : Security and Wire Fraud Negative Status and Charged-off Accounts Extortion and Lack of Validation
Consumer complaint received 2023-12-11
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. (CT)

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 2023-04-27
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: Experian Information Solutions Inc. (NV)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 
ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, experian ) - Inquiries - personal name reported as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-12-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

While being in my bank account information i saw a different address where i do not live nor is it my mailing address I left it alone. A few days ago i get my credit score and i see that it went down a good amount i pay in time and have not had any problems what so ever until i see that i have 3 hard inquiries and thats why it went down. I would like this inquiries away because I didnt start any applications and havent opened one. This will not allow to get a mortgage and im looking into this but with the inquiries still there it wont be much of a help. I have already reported to identify theft. 

Thank you
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to bring to your attention a matter of significant concern regarding my consumer credit report. Upon reviewing the report, I have identified instances of late payments that have been reported without proper notice, as mandated by 15 U.S.C. 1666b. I would like to draw your attention to the following accounts that are reflecting late payments : XXXX. XXXX XXXX  Account XXXX XX/XX/XXXX days reporting XXXX. XXXX. XXXX XXXX  Acct XXXX XXXX ] : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX 30 days late XXXX. XXXX XXXX  Acct XXXX 30 days XX/XX/XXXX XXXX. XXXX XXXX Acct XXXXXXXX XXXX XXXX 30 days According to 15 U.S.C. 1666b, consumers are entitled to receive notice of negative information being reported to a credit bureau before it is included in their credit report. In this case, I have not received any such notice, and the inclusion of these late payments on my credit report is a clear violation of my rights under this statute. I am formally requesting the following actions : 1. Immediate investigation into the lack of notice for the reported late payments. 2. Verification of compliance with 15 U.S.C. 1666b by the entities reporting this information. 3. removal of the late payments from my credit report.

I expect a thorough and prompt resolution to this matter to ensure that my credit report accurately reflects my financial history and to prevent any undue harm to my creditworthiness. Please provide confirmation of the initiation of the investigation and an estimated timeline for resolution. Additionally, I request a free copy of my updated credit report upon the completion of the investigation. Your immediate attention to this issue is appreciated. Failure to address this matter within a reasonable timeframe may compel me to pursue legal remedies to protect my rights under federal law.
Consumer complaint received 2023-12-10
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. (CA)

I am writing in regards to the unauthorized inquiries reporting on my consumer report there has been no permissible purpose giving on my behalf these inquires are fraudulent and needs to be removed asap. 

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 2023-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Today XX/XX/XXXX I was made aware of an escrow analysis that I believe to be incorrect. Carrington mortgage services is raising my monthly payment from XXXX to XXXX do to a escrow shortage of around XXXX. I checked all my taxes and they have not increased significantly. My water sewer bill was taken out of escrow on a one time payment. The mortgage Co is now counting that into my yearly taxes. I pay out if pocket for sewere water. Also I have no missed payments. I believe that an error has been made and they said I can not get another analysis till XX/XX/2024 or until the shortage is paid off. I can't afford that lump sum. I've called and given them all my info from my tax numbers.
Consumer complaint received 2024-06-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

I have qualified for and received XXXX XXXX XXXX XXXX of my student debt. 
Mohela shows that it has been forgiven ; my credit report does not. 
I contacted Mohela, who confirmed that my amount due is {$0.00} ; my credit report still shows an amount of over $ XXXX due. There is no payment history that I can pull to show that it has been paid and forgiven in full.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). I further attest that I am authorized to pursue this disagreement under both federal and state law. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. These false remarks are also illegal according to 18 USC 1621. There are items in my credit report that have nothing to do with transactions I've ever completed. I claim that someone or some organization utilized my personal identifying information without my consent to apply for goods, services, or money. Please have a senior official from your company certify under penalty of perjury that I received goods or services if you believe I obtained them. Please have a senior official from your company certify under penalty of perjury that I received goods or services if you believe I obtained them. These businesses are breaking the law by doing these aggressive inquiries and adding these unauthorized accounts to my credit report. This has brought about a great deal of unneeded stress and anguish. I did not authorize these accounts or hard inquiries, and they are not mine. Please look into it and promptly remove it from my credit report.
Consumer complaint received 2024-04-03
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. (VI)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (CT)

XX/XX/2022 I was sent my comprehensive report, it says my account score is a XXXX, safe enough to open a account now Im receiving emails saying from XXXX XXXX saying I can not open a account because my score is to high risk, whoever I just mentioned its a XXXX which would be perfectly fine and I took a look now its XXXX which puts me back at risk and for what reason? Im being unjustly miss treated and feel as if no one can help me I get referred to early warning then I get referred back to capital one nobody gives me answers nor helps they simply feel like not assisting me and false information is constantly being placed on my comprehensive report. Why would the score jump and change within a span of few months? I being barred from creating a account and its damaging my banking history because of the courtesy of early warning services.
Consumer complaint received 2023-05-08
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance {$37000.00}.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 2023-12-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Notice Without recourse / without prejudice UCC 1-308 Notice to Respondeat Inferior is Notice to Respondeat Superior Notice to Respondeat Superior is Notice to Respondeat Inferior Silence is Acquiescence, Agreement, and Dishonor ; Estoppel conditions apply upon default A. Do to non-disclosure and breach of fiduciary duties.

As follow : 1. Im not been notified of a credit check.

2. Improper presentation to consumer credit, Inquiries, Debt to ratio, Short credit length. 

These things are hurting XXXX. Correct any Damage to me and my credit and or credit report to reach XXXX Score. 

Example : Opt-out. Dont show, Inquiries, Debt to ratio, Short credit length. 



B. For the resulting breach of trust.

Breach of personal Information hack/leek. How will I be compensated.

C. If the request is rebutted, show the law where it says you cant do that.

15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

[ consumer/beneficiary : jorge f avila celedon ] 2815 Schoolhouse Lane APT 9 Cambria, CA 93428 I believe i dont have account with this person. in case i happen to have a account i request to have it closed/remove immediately. as i have no recollection.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This company has violated my rights as a federally protected consumer on permisssable purpose and furnishing information to non affiliated third parties without my consent. information is in pdf letter stating my case and complaint to them. Also all complaints and disputes to the consumer reporting agencies have not been resolved on this account. The consumer reporting agencies have also not been in compliance and have not gotten my consent to allow furnishing of this account. They have aloud fingerhut to furnish income on my reports of a charge off, have not investigative the issue properly and have not followed laws of a consumer reporting agency because they have not gotten my consent and have not investigated properly at all.
Consumer complaint received 2023-12-10
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. (NV)

On XX/XX/XXXX I filed an identity theft report due to the violation of laws of 15USC 1681b, 16USC1681q, and 18USC 1028A. Please remove this public record from my consumer reports immediately. 

Consumer Reporting Agency : Experian Record type : XXXX XXXX XXXX XXXXXXXX Date filed : XX/XX/XXXX Date resolved : XX/XX/XXXX Responsibility : Individual Reference number : XXXX Consumer Reporting Agency : XXXX Case number : XXXX Bankruptcy disposition : XXXX XXXX Date filed : XX/XX/XXXX Date reported : XX/XX/XXXX Consumer Reporting Agency : XXXX Record XXXX : XXXX XXXX XXXX XXXX  Number : XXXX Type XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX