davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 has violated my rights. Or a 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 2023-12-04
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)

I am writing in regards to the above referenced debt to inform you that I am disputing this debt. 
Please verify the debt as required by the fair debt collection practices Act. 
I am disputing this XXXX XXXX debt because I do not owe it. Usc15
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

The following credit cards and credit card accounts currently listed and showing on my Experian and 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
Consumer complaint received 2023-09-22
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. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-04
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. (NC)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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 2024-04-20
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. (CA)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX  XXXX XXXX Balance {$730.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXXXXXX XXXX Balance {$95.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance {$170.00}
Consumer complaint received 2023-12-04
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. (OH)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized fraudulent accounts include the following : XXXX XXXX opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$230.00} XXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance XXXX $ XXXX card opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX $ Unauthorized address used to obtain fraudulent accounts include : XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX OH XXXX Fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I have a Blue Cash Preferred credit card issued by AMERICAN EXPRESS, which has {$95.00} annual fee. 
XX/XX/XXXX, I requested to downgrade it to Blue Cash Everyday, an annual fee-free card through the online chat. And got the confirmation. ( The conversation is saved in the attached screenshot ). They did not downgrade and did not send me the new card. 

XX/XX/XXXX a {$20.00} annual membership fee was charged. ( saved in the attached screenshot ) XX/XX/XXXX another {$95.00} annual membership fee was charged again! ( also saved in the attached screenshot ). 

XXXX XXXX, XXXX, I called customer service XXXX XXXXXXXX and submitted a complaint about this case, and got a reference Number " XXXX ''. They said they would investigate. When I asked if they could find my chat record with their online agent on XX/XX/XXXX, they replied they could not. Then I asked if I could upload the screenshot I record to them, and they said I could not, and if needed the investigation team will contact me and ask me to wait for 30 days. 

XX/XX/XXXX, I called customer service again without getting any information from them since the last call. I was told they closed my case with the conclusion of no chat was found.
Consumer complaint received 2023-08-03
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: MARINER FINANCE, LLC (CA)

I am writing to lodge a formal complaint regarding Mariner Finances failure to provide me with a Form 1099-C after charging off a debt. I believe their actions are in violation of tax reporting regulations and are causing confusion and uncertainty for me as a consumer. I had a financial obligation with Mariner Finance that was eventually charged off. Despite the debt being charged off, I have not received a Form 1099-C from Mariner Finance , which is i believe to be required by the Internal Revenue Service ( IRS ) for reporting cancelled debt as income. I kindly request that the Consumer Financial Protection Bureau investigate my complaint against Mariner Finance for their failure to provide the required Form 1099-C. I believe that their actions are not only an inconvenience, but also a potential violation of consumer protection regulations. 
Your attention to this issue and your assistance in resolving it would be greatly appreciated.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have imbound account ( Escrow ). The collector company collect Monthly payments to pay for property taxes and home insurance. I bought my house in XXXX 2014. The collector paid part of the property taxes and did n't pay the supplemental taxes which is the difference between the old assessment and the new assessment. The new assessment is related to the new purchase value. I sent the Tax and the Supplemental tax bills to the collector. I reminded them two times to pay the supplemental taxes and they kept telling me that they get tax information directly from tax collector. I contacted the tax collector. He confirmed the the supplemental tax is due and their is a late fee. Attached XXXX projected Escrow show the estimated value of the Property Taxes. XXXX was the collector before transfer it to Nationstar.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

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 2023-05-17
Product: Credit reporting, credit repair services, 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. (MD)

WE HAVE DISPUTED MANY TIMES AND WE HAVE BEEN OVER LOOKED NOWWE NEEED TO RESOLVE THIS.CONSTANT NEGATIVE REPORTING CAUSING THE LEVELOF OUR LIFESTYLE TO BE CHALLENGED. THIS IS AN OPEN CHARACTER XXXX. AND THIS IS ADVERSLY AFFECTING ME THE CONSUMER.
Consumer complaint received 2023-12-04
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. (OH)

All three credit reporting agencies XXXX, Experian, and XXXX have reported late payments which violate 15 U.S. Code 1666b, also I did not give written consent to be able to add anything to my report which Is a violation of the Fair Credit Reporting Act. The accounts listed below are accounts that show inaccurate information and are shown as open which is a violation as well. Not only that 15USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. " Also12CFR1016.7states that " A consumer may exercise the right to opt-out at any time. " I am opting out of your reporting services.

The Accounts that are being reported as late are as follows : 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 2023-09-22
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. (TX)

Experian reinserted previously deleted acct XXXX. The FCRA lays out specific requirements that have to be met in order to reinsert an account. I was never notified by transunion in writing within 5 business days from the date of reinsertion. This is a violation. Prove that I received notice. Theres no certified mail, signature, green return receipt. Experian is to certify that the information is accurate. So Im requesting the method of verification as well as the information used to verify that the account is accurate. Due to violations of the FCRA I want this account deleted. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
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. (PA)

I am distressed that XXXX have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX account XXXX
Consumer complaint received 2023-02-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (AL)

On XX/XX/2020, ED FINANCIAL SERVICES L Opened an account in my name for Education Loans in the amount of {$3000.00} and {$3200.00}. I tried to contact them several times on or around XX/XX/2020 in regard to this matter, however, I was being transferred to all the wrong departments and didn't receive any assistance.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 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 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXXXXXX Balance XXXX {$510.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-23
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. (MD)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Per XXXX XXXX XXXX ( XXXX ) ( d ) : if an investigation finds incompleteness or inaccuracies, the furnisher shall notify the other credit reporting agencies. This inaccurate and invalidated and illegitimate account was deleted by experian due to these reasons and Equifax and XXXX were to be notified yet XXXX and Equifax are still furnishing it. XXXX and Equifax are neglecting to comply with the FCRA and continue to allow erroneous information to persist on my credit report. This is a clear violation of Section XXXX of the FCRA. They have caused inconsistencies that can is harming my financial well being. This is also a violation of XXXX XXXX XXXX. DELETE this inacurate, unverifiable, and illegitimate account from my credit profiles on Equifax and XXXX. 
SEE ATTACHED LETTER
Consumer complaint received 2023-08-31
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)

I filed a complaints # XXXX for not properly verifying the information that is needed before providing my consumer report. I did not give XXXX XXXX, XXXX Account written permission to report anything on my report. I have NO Contracts with the XXXX debt XXXX. I did NOT ask for a Reinvestigation. The company has already responded XX/XX/2023 so how can Experian be doing a reinvestigation. Experian is using deception means in their response. I HAVE A RIGHT TO PRIVACY. YOU VIOLATED MY PRIVACY when you did NOT verify tha required permissible purpose BEFORE selling my report. 

The laws says it has to be a permissible purpose. Dont complete your bogus Reinvestigation about the accounts is verified. How can that be when no consent to report the information. Delete these accts immediately # XXXX, # XXXX. I intend to seek counsel for the continuation of the violation of my PRIVACY