davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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. (CA)

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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and remove them immediately from my 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 XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (OH)

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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2023-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

18 months ago I was advised by my former bankruptcy attorney to send certified letters requesting special information : date of first delinquency, which is when the 7 year period begins, not when the 3rd party buys the account, but when the account first goes into delinquency status. The letters were returned, I called and the gentleman I spoke with was ignorant, starting they bought the debt and work for the original creditors. They base when the debt is discharged off my credit report, not the original delinquency, to stop using XXXX. I said a bankruptcy attorney is not XXXX, to which he hung up. I've disputed these over the years via XXXX XXXX and they never actual update anything despite receiving emails stating they'll be deleted and removed from my report. I received one yesterday, stating the XXXX XXXX account will be deleted. I'll check on 30 days and I guarantee it will still be on there. Most on there account, original date back to XXXX through XXXX when I original got married and then shortly filed for divorce, because my husband overcharged them while I was on XXXX and I could keep up with the payments, they fell behind and eventually were charged off then placed with collections a year or so later. Therefore, I know the date of first delinquency would be XXXX or XXXX, making the debts beyond the 7 year window to be listed on credit report. I'm asking for assistance because the original creditors have deferred me to the 3rd parties whom don't have the original dates of delinquency, only when they bought the debt making this whole situation and process inaccurate and difficult for me to dispute and clear from my credit.
Consumer complaint received 2023-06-14
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and remove them immediately from my 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (WI)

I sent in my dispute letters via mail on XX/XX/2023 and I still haven't received a response, a status of the investigation or any results.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries. 

XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries. 

XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-07-18
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. (LA)

I am contacting you to request the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and details should not be reported as they violate both the FDCPA and FCRA regulations. I insist on the immediate removal of these items to rectify this breach of multiple laws. Please take the necessary steps to remove these accounts and information from my consumer report without delay.
Consumer complaint received 2022-12-23
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. (OR)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KLS Financial Services, Inc (NC)

XXXX of XXXX, NC has compromised my medical information by selling the debt without my authorization and consent. XXXX  of XXXX, NC also sent a signed copy of my consent to release my medical information to health care providers only to the to a debt collector ( KLS ) in which is a serious HIPPA violation, this medical debt that is under {$500.00} is reporting to all three credit bureaus without my consent, XXXX  of XXXX NC sold my medical information to KLS Finance service XXXX, NC. They had no right under the HIPPA law to disclose any of my medical history including bills.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Items where deleted from my report, and return after being deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — Store credit 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 (NC)

Amazon closed my account several months ago. Before I had payments drafted automatically and then had it stopped once account was closed without even consulting me. I had never had a problem paying my account however I have made payments consecutively since XX/XX/2023 and they are saying I am delinquent when I am not. This month I paid late because of what they were doing with my account trying to resolve it. I am enclosing all payments since XXXX up to last month and I just paid today XXXX. My account is closed and my balance has increased instead of reducing when they are no purchases on my account. Can you please look into this matter for me because speaking to their reps amounts to nothing. Thank you very much
Consumer complaint received 2020-12-23
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: EQUIFAX, INC. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Stop reporting fake false wrong info on my credit reports. Debt is NOT paid off. There is no proof. There is no payoff letter or statement. I asked for a payoff letter on my loan portal. But XXXX has not provided a payoff document. Even my payoff request says its still a debt held by XXXX until they get the money. No money was ever transferred for this contract. XXXX reports a fake false wrong XXXX balance because the debt is not paid yet. Please stop reporting fake false lies on my credit file. U r doing it to hurt me and its working. I beg u to stop.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a business credit card with Bank of America. I paid the credit card balance using Bank of America Checking account. After payment the whole balance was paid and there was a credit balance on the credit card. Without letting me know Bank of America has put a hold on the payment, though it has already cleared the account. XXXX days after making the payment I had to Call the Bank to have the hold removed. 
No reason for the hold was given.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and 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 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 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

Went to XXXX website to obtain my report and was unable to get it. Logged in, but system keeps kicking me out.

Statute of limitations has expired on XXXX XXXX XXXX XXXX XXXX RTN/ACCT # : XXXX / XXXX. This has to be deleted. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX are not my address delete address off my report. 

My address is XXXX XXXX XXXX, XXXX PA XXXX
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: UMB FINANCIAL CORPORATION (CO)

XX/XX/2022 - UMB XXXX - never applied for credit XX/XX/2022 XXXX XXXX XXXX XXXXXXXX - never applied for credit XX/XX/2022 - XXXX XXXX XXXX - never applied for credit XX/XX/2022 - XXXX XXXX - XXXX inquires in last XXXX XX/XX/2022 - XXXX XXXX statement XXXX Never worked with XXXX XXXX or applied for credit or deposit accounts XX/XX/2022 - First XXXXXXXX XXXX XXXX  - never applied for credit XX/XX/2022 - XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX in their possession. I've never applied for credit with XXXX
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MD)

My original student loan servicer was Nelnet. My loans were paid and XXXX took over my federal student loans in XX/XX/2023. I contacted Nelnet after checking my credit report months ago and disputed through XXXX twice now. On XX/XX/2023 and again on XX/XX/2023. On XXXX shows my total debt to be XXXX which is incorrect. Nelnet needs to submit that I no longer have any student loan balances with them which they have failed to do on both disputes to XXXX. Please help.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive been monitoring my credit since XXXX. With the assistance of your credit monitoring. I purchased my home using XXXX XXXX XXXX XXXX 

Now in XXXX Im finding some serious discrepancies in your monitoring & credit scores. 

They appear racially motivated. My credit score dropped XXXXXXXX XXXX this month after decreasing my debt to credit ratio over 20 %. My debt overall decreased nearly XXXX in the last 2 months & my score continues to decrease. The explanations further puzzle me as they are always positive but the score goes negative. 

Now I sold my house in XXXX & am trying to get a new mortgage in a new city & my credit score is lower than its been when I hade derogatory items Im finding this is the case with both XXXX XXXX TransUnion. 

Are you using my demographics to discriminate against me & keep my score low to keep me from owning a home? Looks that way. Real Estate has always been the way to shut XXXX out of the American Dream. Anytime we start owning homes the rules change. 

This appears to be the same thing in XXXX
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (SC)

On XX/XX/2023 {>= $1,000,000} XXXX XXXX  was wired by XXXX Bank to BANAMEX Bank that lacked critical information needed to direct it to my account at XXXX XXXX XXXX  in the United States. Since XX/XX/2023 BANAMEX Bank has held the funds and have not responded to request from the sending Bank XXXX XXXX  to return the funds in order to have Account Numbers and Address added to the wire and retransmitted to my account. BANAMEX has failed to respond to repeated attempts to return funds held by BANAMEX to XXXX.
Consumer complaint received 2023-01-24
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy. 




XXXX XXXX XX/XX/XXXX LATE PAYMENTS REPORTED ACCOUNT # XXXX 15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 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 have reasonable cause to believe that the information is inaccurate. THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.
Consumer complaint received 2023-06-07
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: The CMI Group, Inc. (GA)

In accordance to the fair credit reporting act, Credit Management LP, has violated my rights by reporting a debt of {$160.00} for Account # XXXX with XXXX, XXXX and XXXX credit reporting agencies .

15 U.S.C 1681 section 602a states I have the right to privacy.

15 U.S.C 1681 604a Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

In XX/XX/XXXX I received my statement from XXXX XXXX stating that they didn't receive my XXXX 's payment of {$82.00}. I immediately called and the XXXX representative said that because I was a good customer and had never been late, that she would waive the interest and late fee. The outstanding balance was immediately paid. Then in XX/XX/XXXX I received my statement and I was given a credit of the late fee of {$29.00} but then I was charged a {$40.00} late fee and some additional interest. I immediately called again and was told that they understood the error and would remove the fees and interest and I again made my payment. In XX/XX/XXXX I received my statement and was again charged late fee for the outstanding interest of {$4.00} which I was told would be removed. Every month I have called and sent letters and the late fees keep adding up until finally in XX/XX/XXXX, XXXX decided to charge off my account. I am horrified as I have never in my XXXX years ever paid a late fee or interest. I did have good credit but now XXXX has really hurt my credit score with the fabrication of late fees and unfair interest. I no longer shop at XXXX which is a shame because it was one of my favorite
Consumer complaint received 2023-11-04
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. (TX)

Ive been monitoring my credit since XXXX. With the assistance of your credit monitoring. I purchased my home using Equifax services in XXXX 

Now in XXXX Im finding some serious discrepancies in your monitoring & credit scores. 

They appear racially motivated. My credit score dropped XXXX XXXX  this month after decreasing my debt to credit ratio over 20 %. My debt overall decreased nearly XXXX in the last 2 months & my score continues to decrease. The explanations further puzzle me as they are always positive but the score goes negative. 

Now I sold my house in XXXX XXXX am trying to get a new mortgage in a new city & my credit score is lower than its been when I hade derogatory items XXXX finding this is the case with both Equifax XXXX XXXX. 

Are you using my demographics to discriminate against me & keep my score low to keep me from owning a home? Looks that way. Real Estate has always been the way to shut XXXX out of the American Dream. Anytime we start owning homes the rules change. 

This appears to be the same thing in XXXX