davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2024-03-04
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

Presently there is a collection account in the amount of {$180.00} the collection agency is Credit Collection Services reflected on my credit report with XXXX, XXXX and XXXX. 

I had a renter 's insurance and automobile insurance policies with XXXX XXXX from XXXX to XXXX. 

I contacted XXXX XXXX to discuss this alleged balance owed and the representative advised was not able to locate any balance owed.
Consumer complaint received 2023-05-27
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. (NH)

I am writing to bring to your attention the inaccurate information that TransUnion has reported on my credit report. Despite my attempts to rectify the situation by contacting TransUnion on XX/XX/XXXX, they have not responded or taken any action to correct these errors. As per my rights under the federal law, I kindly request your assistance in addressing these concerns. 

XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$18000.00} ) : The reported Balance of {$18000.00} for the XXXX  account is incorrect. I strongly disagree with this amount, as I distinctly remember it being lower. Furthermore, since this account is closed and charged-off, the Past Due amount should not be reported. I kindly request that TransUnion delete the Past Due information and mark this account as disputed to prevent any negative impact on my credit score. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$500.00} ) : The Balance amount of {$500.00} reported by TransUnion for the XXXX XXXXXXXX account is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lesser sum. Additionally, the Past Due amount provided by your agency further indicates an inaccurate reporting of this account. Since this account is closed and charged-off, the Past Due information should not be included. I intend to contact the creditor directly to resolve this matter. Therefore, I kindly request that TransUnion mark this account as disputed until a satisfactory resolution is reached. 

XXXX XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ) : The information presented for the XXXX XXXX  account is inaccurate. The original creditor on this account is XXXX XXXX XXXX, not the entity indicated by TransUnion. Additionally, the reported Balance of {$560.00} is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency for accuracy. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$6600.00} ) : The reported Balance of {$6600.00} for the XXXX XXXX account is incorrect and has adversely affected my credit reputation. This amount does not align with my recollection of a lower balance. I urge TransUnion to review the Past Due information provided, as it is inaccurate to report a Past Due amount for a closed account that was charged-off. This account may have caused a significant decline in my credit score. Therefore, I request that TransUnion mark this account as disputed to prevent further negative impact on my credit score while I work towards resolving this issue with my creditor. 

Furthermore, I would like to point out that the account XXXX  ( Account # XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00} ) is not mine. I request immediate removal of this account from my credit report, as it does not belong to me.
Consumer complaint received 2023-05-27
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. (KS)

I am writing to file a formal complaint against Experian, a consumer reporting agency, for violating my rights under the Fair Credit Reporting Act ( FCRA ). I believe Experian has failed to comply with the provisions outlined in 15 U.S.C 1681 section 602 ( A ) and 15 U.S.C 1681 section 604 ( A ) ( 2 ) of the FCRA. 

The account # XXXX Violation of 15 U.S.C 1681 section 602 ( A ) : States I have the right to privacy. Section 602 ( A ) of the FCRA explicitly explains that I have the right to privacy regarding my consumer information. However, Experian 's actions have compromised my privacy in so many ways. This violation undermines the core principles of the FCRA, which aim to protect consumers ' sensitive personal information. They are in violation to the highest degree and this should be addressed. 

Also addressing the violation of 15 U.S.C 1681 section 604 ( A ) ( 2 ) : States a consumer reporting agency can not fornish an account without my written instruction. This has been addressed to them multiple times. The last phone call I was rudely told " this is not the case '' and I was hung up on while trying to explain my situation of identity theft. 
According to section 604 ( A ) ( 2 ) of the FCRA, a consumer reporting agency such as Experian is prohibited from furnishing information about a consumer 's account without the consumer 's written instructions, unless certain exceptions apply. However, Experian has furnished information regarding my XXXX Accounts ( stated above ) without obtaining my written instructions to do so. This unauthorized disclosure of my account information is also a clear violation of the FCRA.
Consumer complaint received 2023-02-02
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. (CA)

Regarding the fraudulent account I discovered on my credit report, I am submitting this complaint. I am contesting an account that has nothing to do with any transactions I initiated or approved. I have filed a report with the Federal Trade Commission detailing the theft of my identity, and a copy of the report is provided. I am an identity theft victim, and my personal information was used to open this account without my knowledge or consent. As a result, I am requesting that you either immediately remove this fraudulent account from my credit report with your company or tell me exactly where you got this information so I can take the appropriate legal action. The fraudulent account I discovered on my credit record is listed below, and it has to be deleted as soon as possible ; XXXX XXXX XXXX Balance : {$50000.00}. Please follow the law and have the challenged account deleted as soon as feasible in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2023-04-10
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-09
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. (NY)

I called the department to verify the inaccuracies, and they sent me a letter saying it is accurate. When I did a thorough research myself, I found improper inaccuracies on the credit report even after they said they did a thorough research. 

Account Name : XXXX Account # : XXXX In accordance with the fair credit act XXXX  account # XXXX, has validated my right. 
15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00}. Please remove these accounts ASAP.
Consumer complaint received 2023-05-27
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. (FL)

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

I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo foreclosed on my home in 2016 when they denied me on extended my forbearance agreement and would not approve me for a loan modification that would have enabled me to stay in my home. I want to be added to the settlement that your company reached with Wells Fargo that I should have already been included in the lawsuit. I send a letter to Wells Fargo stating all of the information and the reason why I should be included in the settlement of the lawsuit.
Consumer complaint received 2024-03-04
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Delete the late date of the disputed item from my credit report immediately as mandated by the FCRA, and cease the inaccurate reporting, or face legal consequences for non-compliance. The failure to respond appropriately within the specified time frame will result in further legal action for the violation of my rights under the FCRA. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2011 Balance : {$290000.00}. Please update the status of this account ASAP.
Consumer complaint received 2023-02-02
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: Bread Financial Holdings, Inc. (TX)

Received an alert that there was a new Hard Inquiry on my credit report made on XX/XX/2023, by Comenity Capital. I did not authorize the credit check or apply for credit or a credit card.
Consumer complaint received 2021-05-16
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. (IL)

I XXXX XXXX XXXX am a consumer of the United States and i never gave EXPERIAN nor XXXX XXXX XXXX partial account # XXXX ) and XXXX XXXX partial account # XXXX ) permission nor the right to report on my consumer report. The fact that these accounts are reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681a ( 2 ) ( i ). These accounts and Experian are harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it hard for me to purchase a home for me and my children in these hard times with the pandemic going on. Attached to this complaint is proof of these companies reporting on my consumer report along with late payments, XXXX XXXX XX/XX/XXXX and XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-26
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: CCS Financial Services, Inc. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have sent disputes to all 3 credit bureaus and CCS Credit Collection Services to remove the collections account for XXXX XXXX from my credit report. The reason given is the debt was settled for less than the original balance. However the debt has been paid settled and is no longer considered an outstanding debt in collections. I have a paid in full letter from the original creditor XXXX XXXX. 

I want to include XXXX as part of the Credit Bureaus listed separately below.
Consumer complaint received 2024-03-04
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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.

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 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (IN)

On XX/XX/2020 XXXX XXXX XXXX declared a stay at home order for XXXX which is where I live. It was extended and lasted until XX/XX/2020. During that time no one was to leave house for any reason except groceries. The federal government did not get stimulus payments out to people who qualified until XXXX XXXX XXXX. Slightly before this period and during I became behind on my car loan with Chrysler Capital. I had XXXX conversations with them and they told me they would not let me wait until stimulus checks get to us to pay any past due. Under the XXXX XXXX XXXX XXXX, they were supposed to offer me a payment plan or other options so I don't lose the vehicle. They refused to offer any help what so ever. They repossessed the vehicle in XXXX XXXX XXXX and we got our stimulus check in mid XXXX. When I called Chrysler Capital at this time they told me I had to pay the total balance of over {$35000.00} to get the vehicle back. I did not have that much so I lost the vehicle. This was in direct violation of what the XXXX XXXX was supposed to prevent. I could not work and pay bills, but also Chrysler would not follow the law.
Consumer complaint received 2024-03-25
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. (NJ)

I am writing to you to express my deep concern regarding an alleged fraudulent XXXX account that has been erroneously reported on my credit report by Transunion. This account is adversely affecting my creditworthiness and has significant repercussions on my financial standing. 

Despite my repeated requests, Transunion has failed to provide sufficient evidence to validate the existence of this alleged account. I have requested Transunion to furnish any agreements, signed contracts, bills, or other documentation about this account, to this date I have yet to receive any documents. It is essential to note that I have no knowledge or affiliation with the reported XXXX account. 

Transunion 's assertion that this account is accurate is categorically untrue and unsubstantiated. Without any documentation verifying this account 's legitimacy, Transunion must take immediate action to remove and delete this erroneous entry from my credit report. 

The inaccurate reporting of this alleged fraudulent account by Transunion has had severe repercussions on my financial well-being, impacting my ability to secure loans, obtain favorable interest rates, and even pursue certain employment opportunities. It is unjust and unwarranted for Transunion to perpetuate such damaging inaccuracies without providing any concrete evidence to support their claims. 

Therefore, I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Transunion adheres to the Fair Credit Reporting Act. I urge you to compel Transunion to promptly remove and delete the erroneous XXXX account from my credit report, thereby restoring the accuracy and integrity of my credit profile. 

I appreciate your attention and look forward to a swift resolution. Please do not hesitate to contact me if any further information is required.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (AL)

Got a new AMEX card with high rates. Wrote them a letter saying that 27.49 % plus XXXX percent penalty if not paid in full inside 30 days or if you miss a payment, etc., is not what I was hoping for, was the highest rate I ever heard of and let them know that I was hoping they were going to treat me better as a former gold card member. Suggested I would not recommend anyone accept that type of high rate plus a penalty high rate. Sounds like an impending disaster. Think it should be illegal or considered usury. *My last 15 year home mortgage had an APR under 4 percent, was paid off early and I haven't incurred any unpaid bills since? My credit is good or near XXXX. 

Imagine I got sick and put the hospital bill on a card like this? How could anyone recover at near 50 percent interest rate?