davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
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.

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 2023-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

XXXX XXXX  is charging me XXXX of which I have already paid XXXX. I am asking for an arrangement because I have lost my job and they send me a letter that my debt is now XXXX. I think it is not fair and I should seek help to solve this problem.
Consumer complaint received 2024-04-16
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. (NJ)

ACCOUNTS being furnished on my consumer report are violating consumer law federally under 15 U.S. Code 1666b - Timing of Payments which states that a creditor may not treat a payment as late unless reasonable procedures are in place to ensure that each required periodic statement, including the required information, is mailed or hand delivered to the consumer no later than 21 days before the payment due date., I am requesting proof that the payment due date notice was mailed out to me not email at least 21 days before the due dates in question. Please provide original, valid notices, not emails of notices or templates. If you can not produce such notices or information related to the account in question meeting the specified timeframe, I request the removal of the reported late payment.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax - XXXX XXXX - XX/XX/2023 - {$140.00} I am not responsible for this. I don't have any type of agreement with XXXX XXXX. Equifax has had their site down and unavailable to even access my report or dispute it.
Consumer complaint received 2024-04-16
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)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA, XXXX Employer XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

on XX/XX/22, my online XXXX account was hacked. XXXX transactions were made, for total amount of XXXX which I have not made any of these transactions. 
I called XXXX to close the account and I called PayPal ( synchrony bank ) and they opened XXXX claims for unauthorized transactions. 
later XXXX claims were closed in my favor because XXXX responded that I am not responsible for those XXXX transactions and the other XXXX claims were against my favor. 
I called synchrony bank and reopened the XXXX claims again because I am not responsible for any of those purchases. synchrony bank didn't accept the XXXX claims and closed them against my favor! and I called again and reopened them again. and back and forth till today they keep closing the claim against my favor and I am the victim of fraud transactions. XXXX account was hacked. 
please, I need your help to investigate on my case.
Consumer complaint received 2024-05-03
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (NC)

I agreed to a payment plan of back in XXXX of XXXX  for {$92.00} .. Every Time I pull my credit report it says I have a pass due balance I have not missed a payment in 2 years since payment agreement was made.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXXWhat telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any e-mail or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
Consumer complaint received 2024-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (FL)

This is in regards to the Wells Fargo victim relief fund for not allowing a mortgage modification. Needing to verify the amount of my claim. Wells Fargo sent {$200.00} check but said they are still researching if they owe me more money, which I believe they do.
Consumer complaint received 2023-05-01
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. (GA)

I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or correct the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2023-04-21
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: JPMORGAN CHASE & CO. (CA)

Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX XXXX XXXX which is reporting a charged off account of in the amount of {$23000.00}. JPMBC Card reporting a charge off account for amount {$23000.00}. Another JPMCB Card is also reporting charged off account in the amount of {$51000.00}. I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Upgrade, Inc. (NJ)

XXXX XXXX contacted my spouse after finding his number through alternative sources. They would leave messages on both of our phones like 'Good afternoon. My name is 'collector ' and I am contacting you in attempt to confirm location information for 'my name '. '' On several occasions 'collector ' spoke to my spouse. XXXX time I spoke with on my partners phone with my partner in the room, not hiding anything from him, but not giving her permission to speak to him. On XXXX  XX/XX/XXXX, 'collector ' spoke confirming I have a debt with their agency, who the debt was with originally and that I had not set up payment arrangements. Even after being asked to not discuss anything with him, she kept calling him at all times of the day and night. I spoke today with the company and I demanded they remove his number from their system. I also was told that it is ok for them to talk about your account information with spouse and family members. I asked for information on their company 's policy and I was told I would have to talk to a supervisor who conveniently was in a meeting. I am not a happy person right now.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX Account # : XXXX
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Experian offers Experian Boost. The allow qualified monthly payments such as rent, insurance, streaming services, & other types of monthly bills to be connected to Experian Boost. I connected my bank account with Experian boost & they were able to download my qualified monthly bills. They require 3 consecutive monthly payments within the past 6 months. The issue is, they are only accounting for 2 months of payments ( XXXX & XXXX ). I have been making monthly payments since XXXX. I have many back & forth conversations with their member support. They requested copies of my bank statements showing these additional payments. Which I provided. One response from them was " the payment description must be exactly the same for all payments. You payment date is different '' No, XXXX the payment date is going to be different. They should know that. After a month of dealing with incompetence, requesting the copies of bank statements, & them providing the same response which doesn't address my issue. I have requested a call from a manager. Which has not happened. I resorted to filing a XXXX  complaint. Experian response was to send me a credit report. Further incompetence, which the company doesn't understand their own service. This delay is costing me time & money from improving my credit score. As of now I have a XXXX credit score due to my bankruptcy. There are many resources available to re establish credit. But, I need a credit score other than XXXX to qualify. This can be easily resolved by a phone call from Experian.
Consumer complaint received 2023-05-08
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: Advantage Credit, Inc. (FL)

There is a double inquiry on my credit report under the same company, Advantage Credit Inc. I authorized a one-time inquiry, and my credit report shows a double inquiry with different days.
Consumer complaint received 2023-11-19
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)

Under the Fair Credit Reporting Act ( 15 USC 1681 ), consumer reporting agencies, including XXXX, Experian, and XXXX must handle their responsibilities fairly and respect consumers ' privacy rights. As per 15 USC 6801, financial institutions, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are obligated to protect customers ' nonpublic personal information. However, I haven't provided written consent for disclosing my information to XXXX, Experian, or XXXX by any financial account on my report as required by 15 USC 1681 section 604 ( a ) ( 2 ). 
Moreover, 15 USC 6802 stipulates that a financial institution can not disclose nonpublic personal information without informing the consumer of their right to nondisclosure. Unfortunately, I was not informed of this right by the information furnisher. Additionally, XXXX, Experian, and XXXX are reporting adverse information without my permission, violating 15 USC 1681C ( a ) ( 5 ) and 15 U.S. Code 1681s-2 ( A ) ( 1 ), which prohibits furnishing inaccurate information. 
Furthermore, XXXX, Experian, and XXXX are not maintaining reasonable procedures as mandated by 15 U.S. Code 1681e, and 12 CFR 1016.7 affirms my right to opt out of such reporting at any time. Therefore, I am exercising my right to opt out of their reporting practices.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I was a victim of identify theft and fraud through XXXX XXXX on XX/XX/2019. Someone used my info to purchase cell phones totaling {$4200.00}. I was unaware until i pulled a credit report to make a purchase and learned about the account 's delinquency. 
I worked with XXXX for months to clear my name of this event, which they cleared via email on XX/XX/2019, including notifications to all 3 credit reporting bureaus : Experian, XXXX, and XXXX. I have had phone conversations with each company to get this resolved and removed from my credit report without success. 
Current status : * Experian- Still showing delinquent, historical payments * XXXX Still showing delinquent, historical payaments * XXXX- shows current delinquent payments The failure of these bereaus to immediately correct this inaccuracy has had an effect on my mental health and personal finances, resulting in tremendous amount of added work when trying to get a home mortgage, in addition to a loan denial for a vehicle.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my 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 XXXX
Consumer complaint received 2023-11-19
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. (NC)

On XX/XX/XXXX  I spoke via phone to XXXX, Experian rep, because I was denied credit to purchase phone at XXXX due to problem with Experian tax information. I knew there was a data problem because my credit rating is always in the XXXX range. XXXX quickly located the problem... saying it was on Experian 's end : several fields of my data had been overwirtten with that of another client. She fixed the fields in error but said it would take 10 days to correct system. She ordered a credit report that would identify corrective actions Experian took to solve the problem. I was concerned that the XXXX offer might not be in effect by the time the errors were fixed, but there was nothing else XXXX could do. A couple weeks later, I recieved a letter from Experian noting they had no data for XXXX XXXX in their database. I made at least a dozen phone calls to Experian, but was unable to get through even to leave a message. 

So I filed a complaint with the N.C. Attorney General 's Office requesting Experian assign a customer rep to correct the problem of my being denied credit for several months. Experian 's brief response from XXXX XXXX, Senior Regulatory Affairs Associate, did not address the problem or assign a rep. It contained the following inaccuracies : 1. " regarding the above mentioned deceased consumer 's personal credit profile ... '' 2. " we are unable to locate a credit record for XXXX XXXX XXXX. '' I can assure Experian I am not deceased and I received a recent Experian credit report # XXXX dated XX/XX/XXXX  reporting a credit rating of XXXX and listing several errors corrected. BUT I am still rejected at XXXX due to incorrect tax information. XXXX states there is nothing they can do .... that I have to fix the problem with Experian. 

Please can you help? I need Experian to assign a service rep who can see the problem through to a resolution that will allow me to purchase items on credit. 

XXXX XXXX
Consumer complaint received 2018-03-04
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. (IL)

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I disputed each account with each credit bureau.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account XXXX : XXXX XXXX Account XXXX : XXXX