davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Recovery Services, Inc. (UT)

On XX/XX/2024 I spoke with a woman who called from number XXXX ( XXXX ) XXXX trying to stop by my house to serve papers. I asked what it was for and she said express recovery and I told her I hadnt received anything and wanted to know what the debt was for. I provided my address and informed her I had not received any notices of a lawsuit or any information on debt being owed. Then I asked if she wanted to bring the documents she had to my new address and she said shed need to talk to her boss because there are legal notices that I would of need to receive and she wasnt sure what to do. I told her again I hadnt received anything and would like those legal notices to be sent to my new address before any lawsuit is filed against me because Id like to pay it. Which this did not happened. On XX/XX/2024, I received papers for a lawsuit on the debt which I was confused about saying there was {$160.00} owed and interest. I thinking they legal had to send notices before any lawsuit would be actually filed, so I immediately paid it since I had the information I need, who and what the debt was for and I paid the money. Thats all I needed to make the payment. i emailed the payment receipts to the email provided immediately. On XX/XX/XXXX I opened a letter sent to me notifying me a default judgement had been granted and owed now {$480.00} more for a debt paid and had never received any notices a judgement was being considered. I feel violated and taken advantage of. How could this happen? All I did was move and didnt realize I was a perfect one to take advantage of. Now, I have a {$480.00} judgement owed to an attorney for fees and filing. Yet, I never received the legal notice required of the attorney to file the lawsuit.
Consumer complaint received 2023-07-05
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 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 2024-03-28
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. (CA)

I am reaching out to address the inaccuracies and omissions in the credit information that you have reported on my credit profile. It is disappointing to note the lack of sufficient procedures to ensure the utmost accuracy in compliance with credit reporting laws.

The following information requires immediate investigation, and I insist on being furnished with evidence supporting the alleged items, particularly any contracts, notes, or documents bearing my signature. Failure to provide such evidence warrants the removal of these items from my credit report without delay : I am troubled by the fact that XXXX has already rectified these accounts from their records, indicating an acknowledged error. However, your failure to do the same is concerning. I demand the deletion of these items from my file due to their inaccuracy, error, incompleteness, or inability to be verified. It is unacceptable that you are not adhering to legal requirements, particularly when other credit bureaus have already complied. 

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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NY)

Hi I had my Credit Card payments set up automatically and last month my account was shut off without me knowing about it. when I found out I right away called in and they told me that my account is paid up to date but in the end a XXXX  day late showed up on my account
Consumer complaint received 2018-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: First Data Corporation (FL)

In regards to : First Data Corporation ; XXXX XXXX XXXX XXXX, XXXX is a registered ISO of XXXX XXXX XXXX, XXXX, XXXX, CA ; XXXX XXXX XXXX, XXXX XXXX, NY ; and XXXX XXXX, XXXX, AL. Review First Datas Legal Policy. 

This company processes the credit card payments for all of my customers. I have a dance school and I charge my customers monthly per their classes. It has been over one month that First Data Corp has frozen my money in which they now have explained there was a red flag payments they collected and wanted an explanation. In which I explained to the lady named XXXX XXXX that my students/customers leave their cards on file in which we have authorization in writing from each of them authorizing each charge and to leave their cards on file. First Data Corp has told me that their affiliated/referred company which is the software company that I use has registered my account as not allowing for credit cards to be hold on file. 

I need for someone to please investigate this issue because all they tell me is that their company is the biggest in the country for credit card processing but half of the time they don't give me a correct explanation. I have around {$8000.00} - {$9000.00} frozen and have to use my savings account to make sure my XXXX  can get paid this month. 

This is very frustrating as I am a XXXX  XXXX XXXX XXXX that I have to deal with this credit card processing company not trying to solve or work with what needs to be done so I can have my money that my XXXX paid me.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX and Trans Union is reporting a collection account as open. Per the FCRA this is a violation, and such account should be deleted. Validation of the collection account has not been provided by the debt collector, XXXX, or Trans Union. In addition, removal of inaccurate/invalidated credit information is a violation of U.S. Code 168i ( 5 ). I did dispute this violation XXXX  times in XXXX. Recently summited another dispute to XXXX on XXXX  and XXXX lowered my credit score by XXXX points after submitting the dispute. No other factors could have contributed to a XXXX point decrease.
Consumer complaint received 2024-03-28
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-08-30
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. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX
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: PENNYMAC LOAN SERVICES, LLC. (NY)

In accordance with the fair credit and reporting act this creditor had violated my rights under 15 usc 1681 section six to state I have the right to privacy. It also states a consumer reporting agency can not furnish and account without my written instructions under 15 uscs 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-28
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. (NV)

XX/XX/2024 I sent a letter to the courthouse asking do they report bankruptcies to credit bureaus and i got a letter stating " THEY DO NOT '' report any bankruptcies to anybody. SO if that the case how did the credit bureaus verify this bankruptcies as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 ACT 15 USC 1681 section 603 ( 3 ) ( e ) states : the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with outhers with whom he acquainted or who may have knowledge concerning any such items of information. however such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times The credit bureaus violated my givens rights under 15 USC 1681.

ACCORDING TO 15 USC 1681 section 602 A states I have the rights to privacy. & also states a consumer reporting agency CAN NOT furnish a account without MY WRITTEN INSTURCTIONS According to 15 USC 1681 s-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 2023-02-25
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: EQUIFAX, INC. (WA)

So I sent a letter off on XX/XX/2022, to remove personal information that I do not want on my credit report. Here is my tracking # XXXX. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2024-03-28
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. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. 
Therefore, I kindly petition that you update my credit report to reflect these corrections XXXX  XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I'm currently seeking a mortgage for housing. I was informed by the Mortgage Lender I have a repository on my Equifax credit report that states I have inconsistent information. The Mortgage Lender is unable to obtain the Equifax consumer report due to this fraud, block or whatever it is. I need this taken off Equifax consumer report immediately. Equifax is hindering my ability to obtain housing for My Family and I. I never asked for such a measure to be placed on my Equifax consumer report. I contacted Equifax and spoke with an agent and he stated I needed to mail a cover letter, copy of my license, my current & previous address, copy of SS card, DOB, and a letter from XXXX. I will attach the documents I sent to Equifax in this complaint. I have given them everything they requested
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (PA)

My wife and I were part of a modification on our home with an attorney we hired to represent us and our mortgage company. We got approved for a modification and received a copy to sign. My attorney also got a copy and told us that this modification was a good one and urged us to sign it and mail it back to the mortgage co as soon as possible. We were excited that the payment was what we could afford. Our attorney we thought read through the agreement before advising us to sihn it. He never mentioned anything about the other numbers we latter found out were involved that soon lead us to defaulting on our modification. 
We were completely unaware that the payments we were sending to the mortgage company were insufficient. We knew the figure as being correct. The mortgage company was sending all statements and communications about our modification directly to our attorney and not to us at all. We had no idea we were defaulting. Our lawyer refused to answer any of our calls or further emails from us to him. Our attorney never informed my wife and I that he was getting all mail from our mortgage co. His address was even on all the statements. Our mortgage company is now in active foreclosure of our home. We are extremely unhappy with how our mortgage company conducts business with it 's clients. We were never made aware of what exactly our numbers would be on a monthly payment basis. We desperately want to save our home from another foreclosure attempt.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-07-05
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. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn i have been a victim of identity. I found numerous accounts on my credit report they were not open by me. This has been hurting me as i am in the process of buying a house for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX. XXXX ( XXXX  ) For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.
Consumer complaint received 2024-01-28
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. (MO)

Experian and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared according to 15 USC 6801 which states, " 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 customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution, and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of said reporting services.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

Recently, I tried to get an updated report on MyEquifax but kept receiving an error message. I reached out to Equifax several times and was advised my file has been duplicated and someone would get back to me. Still havent heard from Equifax and issue is still unresolved. Ive had MyEquifax for years and now there is no information like I dont have a credit file. Now I am not confident the items on my credit report or accurate as I havent been able to access my file in over a year.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

XXXX XXXX has been misusing its claims department in order to raise premiums filing false accident reports to CLUE ( LexisNexis ) and not with the DMV in order to justify raising car insurance. Meaning if I have a simple flat tire and I need a tow if I go through my insurance they will file it as an accident to raise rates and that is false and a gross abuse of a loophole that needs to be closed asap if I had said accidents why where they afraid to put it on my actual driving record with the DMV? Maybe they get sued for malpractice and manipulation of the law?? I have a spot less driving record with no accidents to date thus I should not be paying high prices from falsehoods and hustling
Consumer complaint received 2024-01-05
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. (OH)

XXXX XXXX XXXX is incorrectly reporting to credit bureaus that my mortgage payment is 30 days past due. As of this complaint, XXXX XXXX XXXX has not yet acknowledged, in writing, that all required supplemental and regular mortgage payments were fully paid each month as agreed from XX/XX/XXXX to XX/XX/XXXX ; See included letter dated XX/XX/XXXX. Please also see the uncanny letter received today, via postal mail dated XX/XX/XXXX ; The letter apparently ignored the arrangements made with the XX/XX/XXXX letter. Your assistance with helping me resolve the incorrect credit reporting will be appreciated.