davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-03-07
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. (IL)

I am writing to complain to EXPERIAN about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Consumer complaint received 2024-03-07
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. (PA)

Credit Agency was mailed FTC report to delete all inaccurate fraudulent accounts, addresses, and employment history on my consumer credit file. Credit Agency failed to provide legal validation off the alleged debts within lawful time frame. Reporting invalidated information constitutes fraud under Federal and State Laws.
Consumer complaint received 2023-01-03
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. (CA)

I have sent my previous letter to XXXX and Experian for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to XXXX and Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, XXXX and Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that XXXX and Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge XXXX to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT XXXX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XXXX -- XXXX Balance : {$1600.00}
Consumer complaint received 2016-09-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AL)

Nationstar refuses to apply payment correctly. To make it simple - Nationstar HAS received our payment for XXXX 2016. They have misapplied it. They have CASHED all our checks. Why is this company allowed to continue with their HORRIBLE business practices???? They have hurt my credit BADLY by saying we are behind on our payments!!!! The worst thing is this is the SECOND time they have done this to us. 


I expect an APOLOGY, I expect my CREDIT score to be corrected, and I expect the two checks that they RECEIVED for XXXX 2016 in the amounts of XXXX and XXXX which total the CORRECT amount due for XXXX to be applied correctly.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2023-01-03
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. (CA)

I have sent my previous letter to XXXX and Experian for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to XXXX and Experian was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, XXXX and Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that XXXX and Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge XXXX to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT XXXX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Experian Information Solutions Inc. (IN)

The salesman did not inform me about the rescission period, which is my right to cancel the purchase within a specified timeframe. Additionally, I was misled by being told that my timeshare purchase was an investment that increases in value. The promise of the developer buying back the timeshare when I want to sell turned out to be untrue. 
Furthermore, I was not properly informed about the maintenance fees, which were said to go up by only a few cents every year. The promised hour-long tour ended up lasting XXXX hours, causing inconvenience. On XX/XX/2023, {$2400.00} was charged to my credit card without my full awareness. They made a hard pull on my credit without my consent or proper notification. 
Despite my efforts to address the situation, writing XXXX letters and making XXXX phone calls, they refused to cancel the purchase. They claimed I was a day late and that I sent the letter to the wrong department, which suggests their refusal may be unjustified. Furthermore, the salesman allegedly forced me to sign by not allowing me to leave the room and misleading me about the purpose of the signature, falsely claiming it was for a hotel payment that was never made. 
Based on these circumstances, it appears that my consumer rights were violated, and it would be advisable to seek further assistance or legal advice to address the situation and potentially explore options for resolving these issues.
Consumer complaint received 2023-09-23
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Celebrity Financial, Inc. (MD)

Starting in XX/XX/2022 I needed financial help so I turned to APEX. I was told to only pay {$500.00} although my mortgage was XXXX XXXXand they would turn this into XXXX - mortgage lender. I had to put the {$500.00} on a VISA card monthly and give them call with VISA number. 
I learned in XXXX my mortgage was still in jeopardy as APEX never sent any of the {$500.00} to them. 
I am now working back with XXXX making monthly payments on time. I need to report APEX for taking my funds illegally. 
Phone number - XXXX Contact name - XXXX XXXX
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have a Capital One Quicksilver card with a credit balance of {$220.00}, yet for the past week, Capital One claims I have {$0.00} in available credit. After several phone calls to their overseas call center, I was finally transferred to a call center in Arizona after I lost my temper. The Capital One representative claimed I had no available credit despite the {$220.00} credit surplus, which he acknowledged. I was told I could not access my credit for 26 more days because the overpayment I had made had not settled despite the fact that it was paid to Capital One via my local bank 's billpay service. I asked for interest to be paid on my {$220.00} credit or for it to be returned immediately to my local account where it would draw interest. I was told that it could only be returned via a paper check through the notoriously error-prone USPS, and then only after 15 more days had passed. I asked for the money to be transferred to my Capital One 360 Savings Account. That request was denied, too. This is the one time of the year when I need total use of my money and credit. I have waited and saved all year to be able to shop for XXXX  at this time of the year. Instead, Capital One refuses to make my money and credit available to me nor pay interest.
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I sent a XXXX transfer using the wrong phone number. 

The phone number is not in operation. 

Bank of America 's mobile app filled in the contact info for me when I started entering the phone number. I mistook it for filling in the information for a registered XXXX user. 

I have followed their procedure to ask for the money back, but they have denied it twice with no information as to why except they " followed my instructions. '' On the phone they'll say it's up to an unnamed " third party '' bank whether to refund me or not. In truth, it being a non working number, it was probably sent into XXXX and they haven't refunded me because they can't spend XXXX XXXX having a live human consider that. 

All info for the complain was taken by them via phone.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-07
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)

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and Experian are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of 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 non public information. 

15 US Code 1681 ( e ) reads, 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 1681 ( b ) of this title.

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal.

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

XXXX XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, 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. XXXXXXXX XXXX XXXXXXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, Experian, XXXXXXXX XXXX XXXXXXXX wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX  never informed me of my right to exercise my non disclosure. 

XXXX and Experian are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Consumer complaint received 2024-03-07
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. (LA)

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 XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX 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 2022-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

I have two late payments on my XXXX XXXX Card in XXXX and XXXX. Ive asked to have them removed from my credit. Im disputing the late charges.this card was was replaced due to my card being lost when I lost my entire wallet. I was given a new card
Consumer complaint received 2023-01-30
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. (NJ)

XX/XX/2023, I sent XXXX a letter demanding them to remove accounts from my consumer report Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. They didn't remove those accounts ; I also didn't give any written authorization to furnish any information on my consumer report. XXXX responded the items were verified, I never asked for a investigation I asked for the accounts to be removed.
Consumer complaint received 2024-03-07
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : - XXXX || ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

We just realized that we should check our daughter 's credit report ( XXXX is XXXX ) as well as place a freeze to her credit for her own protection against fraud and identity theft. However, we attempting to do so, Equifax ( you know the company responsible for the Data breach that made freezes free to everyone ) wants us to mail in copies ( adults and child 's ) of our Social Secuity cards along with driver 's license, and birth certificate cards, with their form. If this gets lost in the mail or stolen, there goes all our most vulnerable information for someone to steal all our identities. How is this the correct course of action and what can be done about it? 

While I am here, why is XXXX allowed to charge you for their XXXX boost services. You mean to tell me that I don't actually have to be a good consumer, all I have to do is pay you money and you'll raise my credit score?
Consumer complaint received 2023-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (AL)

Received letter from Wakefield and associates stating they were debt collectors and I owe a debt to XXXX XXXX XXXX XXXX which I have never heard of. I would like to know if this is a scam. The letter stated the debt is from 2021 in the amount of {$850.00}. Did not know if I should respond to the company or not.
Consumer complaint received 2022-12-22
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. (NC)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : TXXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,