davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-04
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-07-11
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 — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC (FL)

Per last complaint, XXXXXXXX XXXX agreed that if payment plans were set up that they would close their assignment to the collection agency and apply a hardship deferment to the account, which would clear the past dues. the hardship would also allow XXXX to update the past credit history to current and good standing. 

Payment plans were set up and payment actually has already been completed, yet XXXX and XXXX have both failed to correct the issue, all that has been updated was that monthly payments have been set up. Please resolve at your earliest convenience, thank you so much.
Consumer complaint received 2023-03-04
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. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. Three credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-31
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. (OH)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2024-03-04
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

On many occasions Experian App tool for credit fixes and monitoring has sent me pre approvals for credit cards and when I apply I am not approved. But unfortunately my credit soft pulls add up and eventually my score is diminished. They personally know I am not approved and they continue to trick me into thinking my credit is good.when it's not. I have tried to resolve this issue by unsubscribing from the emails. I had also subscribed to the sites premium service for several months with hope to repair my credit with no resolve.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (GA)

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

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : 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 2016-09-07
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (GA)

On XXXX XXXX, 2016 I received an email from American Express offering XXXX XXXX if I applied for a credit card. I had been holding off on applying for any cards but thought the XXXX XXXX would be worth it. I applied and re-read the email I received. My husband worked for a credit bureau and so we have always been selective when it comes to this type of decisions. The email stated, " earn XXXX XXXX after spending {$1000.00} or more on your card in eligible purchases in the first 3 months of card membership. Plus, receive a {$50.00} statement credit after you make a XXXX purchase with your new card in the first three months. " I spent over {$1000.00} in the first three months and waited to see the XXXX XXXX ... they never showed on my account. I contacted Amex several times only to get the run around. After finally speaking to a supervisor, I was asked for a promotion code but explained that the email I received had a direct link and was never asked to submit a promotion code. I saved the email, sent it to Amex to review and was told I would have a response within XXXX6 weeks. This happened two more times after waiting 6 weeks each time. Every time I spoke to someone I was told that the promotion code I used did not offer but XXXX XXXX. I repeatedly explained that the email I received and used to sign up for my card had no promotion code attached but rather used a direct link from that promotional email. I have waited months, spoken to at least XXXX supervisors and no one can get this resolved. I have attempted everything I can, I feel lied to and incredibly disappointed in the amex customer service. I have been treated as a liar when I have proven that I am a loyal customer who has continuously paid on time and only used the email that I received from them. XXXX supervisor had the audacity to say that I was attempting to get higher XXXX becuase their amounts and promo emails fluctuate. I had to explain that I had received offers of up to XXXX XXXX before yet i was not asking for that. I was simply asking for what was promised in the email I received from them. it had come down to principle. Their promotional email was either faulty and the direct link did not take me to the correct page or it was a blatant lie. Either way, after months of attempting to correct this issue I have come to a realization that American Express only employs incompetent people who can not resolve this simple issue. I do not recommend them to anyone anymore as I now see that correcting even the smallest issues are nearly impossible, they are not willing to take the time to research the matter rather they pass you off to different representatives, tell you to wait XXXX8 weeks each time you call or do n't bother to give you an answer but " this has already been reviewed and nothing can be done ''. Their business practices are nothing short of unprofessional, deceitful and unlawful.
Consumer complaint received 2022-11-17
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. (TX)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXXXXXX XXXX XXXX  XXXX ( XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Ive just reviewed my credit report and noticed there are several inaccurate late items on my report as follows : This account is listed as being 30 days late. I have never been late on this account.

15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company.
Consumer complaint received 2023-03-04
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-29
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)

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; TXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/ XXXX XXXX
Consumer complaint received 2023-03-04
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$360.00}
Consumer complaint received 2022-09-05
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)

Please remove collections and charge offs from my report. XXXX. XXXX XXXX, and XXXX XXXX. This has caused me financial hardship and embarrassment. This matter is involved in litigation. I never gave anyone permission to sell my information. If this issue is not solved appropriately I am getting an lawyer to sue. 

Please be aware when handling this matter. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2023-02-16
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2015-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

1. Payments made to NationStar in excess of the monthly mortgage amount have incorrectly gone toward interest, rather than 'principal only '. This occurred in XXXX and XXXX, XXXX. I was assured each time that amounts above the monthly payment would be applied to principal. These had later been reversed until XXXX, XXXX. I advised NationStar, in advance, of a large, principal only paydown ( set for XXXX/XXXX/XXXX ). This was incorrectly applied on XXXX/XXXX/XXXX. The reversal was not applied until XXXX/XXXX/XXXX. 
2. I desire an independent audit of the loan history since the XXXX transfer from XXXX XXXX XXXX to ensure that the current balance due is correct. My intent is to verify the payoff balance and transfer the balance to another lender via a HELOC.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Documentation was sent to Select Portfolio Servicing with the following verbiage : Per the FCRA as a federally protected consumer, I am now opting out of any and all authorizations I, the consumer may have given you, written, unwritten, verbal and non-verbal per 15 USC 6802.

15 USC 6802 Obligation with Respect to Disclose Non Public Information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( 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 I was never given the option to opt out, a form nor the process to opt out hence the reason I created and sent my own.

( 15 USC 1611 ) Criminal Liability for Willfully and knowing violations ( 15 USC PRIVACY ACT OF
1974 ) ( 15 USC 1681 ) Accuracy and Fairness of Credit Reporting It is ILLEGAL to report TRANSACTION HISTORY ( 15 USC 6801 ) PRIVACY AND OBLIGATION POLICY states it is the policy of the XXXX 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. ( 15 USC 6805 ) The enforcement, prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I Asked the credit Credit bureaus to complete a verification on everything on my credit report. They did complete the report and stated that everything was accurate. I went and did a thorough research myself and found improper and in accuracies on my report every after there report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the recordings of the Fair credit reporting act # XXXX 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 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions
Consumer complaint received 2015-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Our Mortgage interest rate resets as of XXXX XXXX, 2015. The loan provides for XXXX years of fixed interest only payments converting to a fully amortized adjustable rate for the final XXXX years. 12 USC 1026.20 ( d ) requires a servicer to provide the borrower with a notice between XXXX days before the mortgage rate resets that includes an estimate of the new mortgage payment and other required information. We never received this required disclosure, and at the time it should have been provided we were not receiving monthly mortgage statements. Nationstar did not provide monthly statements in XXXX our of XXXX months and still has failed to provide us with a copy of the note as required by California Civil Code Section 2943 ( b ) ( 1 ) and the Deed of Trust. Today, XXXX XXXX, 2015 we did receive the Change in Interest Rate that is required XXXX days before the reset, but this document does not fulfill the requirements of the estimated notice we never received.