davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (LA)

XXXX XXXX Last 4 of SSN XXXX & XXXX XX/XX/XXXX Credit Bureau Names XXXX Experian XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$4000.00} and written off balance of XXXX on Experian and XXXX just show written off as bad debt XXXX  Apps, opened XX/XX/XXXX the account also reflects multiple balance with is incomplete inconsistent and inaccurate This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies Experian shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately XXXX shows no payment history within the last 24 months
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-10
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. (VA)

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 XXXX XXXX XXXX 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 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 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Please stop contacting me about the debt, I do not owe. 

For the following accounts : Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are sending me is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-27
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. (GA)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-08-31
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: CCS Financial Services, Inc. (MN)

These accounts and inquiries are not mine they were made without my permission, consent, inquires. CREDIT COLLECTION SERVICES Opened : Opened : XX/XX/XXXX. Reported : XX/XX/XXXX. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Consumer complaint received 2023-06-30
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)

In accordance with the FCRA, Experian have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give anyone written permission to furnish these accounts to my credit profile. I have the list of accounts that I will post here! ( Company or Organization : XXXX XXXX XXXX XXXX and Company or Organization : XXXX XXXX XXXX ) I am attaching identity and proof of address.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (CA)

In XXXX, there were multiple hard credit inquiries made on my credit. XXXX XXXX, WebAvant LLC on XX/XX/2022, and XXXX XXXX XXXX Bank on XX/XX/2022. Noticing multiple hard inquiries that were not requested by me, I submitted for a credit freeze on my XXXX account since thats where the first hard credit notification came from. 

In XXXX, I received many alerts from XXXX, XXXX, XXXX XXXX and other credit monitoring services asking if I opened a new credit card or tradeline. After checking my credit report I noticed the following new accounts. 

A credit card from AvantLLC was successfully opened by somebody using my identity in 1 day and currently has a balance of {$59.00}, which is all I can see on my XXXX report. I immediately sent an email to AvantLLC on XX/XX/XXXX explaining the fraudulent account in which they replied my information in the email doesn't match any accounts they have open. They responded on XX/XX/XXXX and asked for " information we can commonly use to find accounts includes name, date of birth, last four digits of Social Security number, email address, telephone number, and street address. '' I didn't feel comfortable sending that information to them though email or over the phone since I've never even heard of the company before. 

A credit card was opened through XXXX XXXX and the by the time the credit card was reported on my credit there was a {$3000.00} balance. 

After seeing multiple hard pulls and then the credit accounts actually having been opened I reached out to XXXX and XXXX to have fraud alerts placed on my account in XXXX.
Consumer complaint received 2023-01-23
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR (NE)

I am dealing with Reverse Mortgage Funding LLC. I had a Hail Claim which I turned in to my carrier XXXX XXXX. They issued me a check in the amount of {$27000.00} which I encorsed " FOR DEPOSIT ONLY '' to account XXXX XXXX in bank XXXX and then signed by my wife and I. 
Consequently this was a restricted deposit and I was the first endorsement. I do have the proof. 

XXXX endorsed it with 3 of their companies and the subsequently cashed it. I have asked for it and always had excuses and lies for not giving it to me. I have repeatedly asked where it is and they would not tell me. Now they file bankruptcy - no wonder they would not tell me. At our age we can not afford to lose this money to fix the hail damage as we don't have it. They have turned things over to XXXX XXXX XXXX XXXX and am not making any headway with them. To me, they are trying to steal money from us seniors. I have done everything they have asked but they keep asking for more. Some of which is impossible at this point. Since I was XXXX with a restricted endorsement they should not have been able to cash that check They should send me their check. I do have a copy of the front and back of the check they endorsed as proof. PLEASE help me get my {$27000.00} so I can fix my house. Why should I have to hire a lawyer to get this - is there any protection in cases like this?? It certainly proves that reverse mortgagees are not the best for us elderly. I should have backed out in the beginning as I was getting XXXX  around then. but I stuck with it..PLEASE HELP! If you need further informatiion, let me know. Thanx, XXXX XXXX
Consumer complaint received 2022-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I am a borrower impacted by the Joint Consolidation Separation Loan Act I contacted Mohela about our loan # XXXX by phone the beginning of XXXX asking for a 30 day forbearance and they verbally granted it. But they are still sending a bill for it. I emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX explaining this to them and they only responded with an explanation that I already have a forbearance on this loan, but they are referring to my other loan # XXXX which is part of the pandemic forbearance. I tried calling and was placed on hold for 120 minutes and when someone answered, they took my personal information and put me on hold back at the beginning cue that said " your approximate hold time is 100 minutes. I had to go back to work and could not hold for an additional 2 hours. 

I also completed my annual recertification information on XXXX and they are sending me letters stating that I have not done it and increased my payment by {$300.00}. 

I also emailed asking for a PSLF forbearance due to our application sent in for the temporary waiver and they have not granted it.
Consumer complaint received 2022-10-31
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. (VA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022 Capital One has incorrect information on my credit report.. credit card is paid off in full.. {$500.00} limit, I have contact them and they will not update this info on my credit report, they will not respond to my mail, or phone calls!!
Consumer complaint received 2022-10-31
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: 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. 
XXXX XXXX XXXX XXXX XXXX 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 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 2017-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MD)

I was shocked once I viewed my XXXX XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XXXX and XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There were XXXX XXXX student loan accounts that were removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. 
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: BARCLAYS BANK DELAWARE (CA)

I initially purchased something in XXXX of this year. And returned the item in person as well and was not credited that money. I then later received a bill for a payment that I should have not have to pay. So I started to try and work this out since early XXXX. I also send over a copy of the receipt that I had to clear things out. I spoke to numerous people no one really helped to get things done. They did mention that it was maybe because they changed banks, but sorry that is not my fault. This should have not happened. I filed a dispute and then they closed it and I had to call again so they could recheck. They told me to wait and where not helping at all. I finally called because I did not hear from them. They said this month after they told me not to worry because they where working on the disputed to just wait. So I got tired of not hearing anything so I flared yet again and they said they closed my account!!! Their bad actions of not helping had affected my credit. I need them to fix it ASAP!!! This is so sad that they just tied to wash theirs hand and affect my credit. I need for someone to fix this. I am in process of trying to purchase a home. Please have them fix my credit. 

In the attached paper is the receipt I also sent them so they could fix it fast. It is so old now that you cant really see but it was the proof I only needed to show them. It has taken them almost 4 months.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (CA)

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 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 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 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 2022-10-31
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act, the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 15 U.S Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S Code 1681c ( a ) ( 5 ) : 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 antecedent the report by more than seven years.

15 U.S Code 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