davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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. (MD)

I am writing to dispute and request the removal of inaccurate information from my consumer file with Experian. The information in question pertains to late payments attributed to accounts listed on my consumer report. Pursuant to relevant federal statutes, including 15 U.S. Code 1666b, 5 U.S. Code 552a, 20 U.S. Code 1232g, and 15 U.S. Code 1681b, I assert that these late payments are in violation of my rights and federal regulations, and therefore, should be expunged from my consumer report without delay.

Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the necessary information required by law, is mailed or delivered to the consumer at least 21 days before the payment due date. Failure to comply with this requirement renders any late payment designation invalid. 

Moreover, the Privacy Act of 1974 ( 5 U.S. Code 552a ) stipulates strict conditions for the disclosure of records contained in a system of records, including the requirement for prior written consent from the individual to whom the record pertains. This extends to information related to a student 's application for or receipt of financial aid, as outlined in 20 U.S. Code 1232g.

Additionally, under 15 U.S. Code 1681b, any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. Without such authorization, any addition to the consumer report constitutes a violation of the Fair Credit Reporting Act.

Therefore, I demand the immediate removal of late payments attributed to the following account : Dept of Education/XXXX [ Account Number : XXXX ] Late payments in XXXX : XXXX, XXXX, XXXX, XXXX Late payments in XXXX : 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (NY)

My services Shellpoint mortgage is not reporting my monthly payments the southern district bankruptcy court does not do reaffirmations Shellpoint says I need an affirmation to report my payments to the credit agencys
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NJ)

My information might have been impacted by the XXXX Data Breach and may have got into the wrong hands of the wrong person inquiries : NAVY FEDERAL CR UNION XX/XX/XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-01-04
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (CO)

I have problems with my charges being denied. This first happened in the spring with me trying to make a purchase from XXXX online. 
This has happened again with me trying to buy renters insurance from XXXX. 

They keep not accepting my current phone number, which is XXXX Even though that was my phone number even on my previous card with them, ending in XXXX. 

I had had this phone number for over 5 years. 

I do not know of any other reason that they are denying the charges. I have tried to reach customer service and keep getting told " high volume '' " please call back ''.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my persistent attempts, I have not made any headway in disputing these issues. Enclosed is a copy of the letter I previously forwarded to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. Should you choose not to address my original request, which was sent via certified mail, I will not hesitate to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a thorough reevaluation of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will result in my insistence on the immediate removal of these items from my report.
Consumer complaint received 2022-02-17
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. (CA)

XXXX is reporting multiple addresses on me that are incorrect, multiple variations of my name that are incorrect, and multiple inquiries that should not be there. I am a consumer ( definition-natural living person ) .Pursuant to 15 usc 1692 ( a ) ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT WRITTEN CONSENT TO RPORT ANYTHING ON MY CREDIT REPORT. NO CONSENT IS IDENTITY THEFT pursuant to 15 usc 1692 C ( c ) ( 2 ). I am invoking my specified remedy as a consumer and the original creditor.
Consumer complaint received 2022-10-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

I just remember how I'd get conlficting information on my loan after my loan modification with Caliber Home Loans. 


They are selling my loan to XXXXXXXX XXXX XXXXXXXX, who I've been reading has WORSE reviews with holding payments and not telling the customer
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

My account was broken into and fraudulent checks were used deposited inside to funnel out to outside accounts. I saw this well I thought I did bye submitting all these forms and going to the bank now this case that was supposed to be closed is now resurfacing and Im getting blamed for it now my account says - {$4000.00}. Please send this to Navy Federal please Please send this to the other bank thats accusing and please indicate for me. Thank you.
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

AES sent me a letter, claiming that I was 28 days past due of my payment. I already signed up for XXXX XXXX XXXX a month ago on AES Success 's website. AES never processed my XXXX XXXX  ; instead, the company is sending me harassing messages and letters demanding payment. 

I don't owe this company any money.
Consumer complaint received 2023-07-26
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. (AZ)

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.

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 inructions 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 2024-01-04
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern : They're several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts AND information are listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX INCOFFECT PRESONAL INFORMATION : Addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX Employers : XXXX XXXX XXXX NAME : XXXX XXXX Im writing this letter to you in an effort to get these items removed immediately. This is a written dispute of all accounts per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have been working with XXXX XXXX for about a

year regarding various issues with my loan. I was told my new payment would be {$5.00} per month. Its {$50.00}. Ive left messages several times and no one will return my call. The NAVIENT website also said I had a payment due in XX/XX/year> but the electronic statement says XX/XX/year>. 

In addition my statements are not being mailed to me. I need my statements mailed. I decline to have them sent electronically each time I log in.

My loans are being transferred to XXXX in XXXX and I want things to be correct before they transfer.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (MI)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (MD)

Chime Dispute Claim ID : XXXX XXXX XXXX XXXX I authorized a one time payment using my chime account via XXXX XXXX XXXX XXXX XXXX for the dollar amount of {$300.00} for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After NEVER receiving the item no tracking information and no contact from the merchant I filed a claim with chime for the total of {$300.00} Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Chime has denied my claim 2 times sending me emails stating Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime Disputes Team I have filed a police report and provided the police report number to chime where chime states they never received the documents however upon sending the police report number chime sent me a email stating documents received. 
I also have the police report information directly to the chime support member that answered the phone. 

Police Report number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reopening my claim within less then XXXX hours chime has closed my case and sent the email stating Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed I have provided ample proof and documentation that I NEVER received the product and was scammed & chime is refusing to refund my money and has yet to send me the documents used to come to a conclusion to deny my claim. 

I have filed a complaint with XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-01-05
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. (LA)

Today was almost 60 days since I've sent dispute dated XXXX2020 for the complaint and for Deletion of those inaccurate and unknown accounts on my credit report. But, there's no response yet. I'm a victim of XXXX  Data Breach and it cause to me a lot of stress. I demand to REMOVE all that inaccurate and unknown accounts on my credit report. Or I will file a litigation.
Consumer complaint received 2021-01-05
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. (LA)

Today was almost 60 days since I've sent dispute dated XXXX2020 for the complaint and for Deletion of those inaccurate and unknown accounts on my credit report. But, there's no response yet. I'm a victim of XXXX  Data Breach and it cause to me a lot of stress. I demand to REMOVE all that inaccurate and unknown accounts on my credit report. Or I will file a litigation.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

according to the fair credit reporting act 15 USC 1681 section 602 a states there is a need to insure that consumer reporting agencies exercise fairness, impartiality and a respect for creditors rights to privacy XXXX, experian and XXXX are third parties reporting agencies that share which is backed by 15 USC 6801 which states it is the policy of the congress that each entity must adhere to these laws that protects customers, consumers, and creditors-me! and that the information is confidentiality of those customers non public personal information I have opt out from receiving any promotional, marketing, and or my information shared with other entities without my permission and this is a vioaltion
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX and Experian are reporting a XXXX  inaccurate and false information on my consumer report, and not In Accordance With ( IAW ) the FCRA. This information was not reported by the XXXX  court. The XXXX  information is as follows : XXXX XXXX XXXX XXXX XXXX, {$0.00}, Discharged XXXX. XXXX, 2016, Reference Number XXXX, Date Filed XXXX. XXXX, 2016, Filed at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXXXXXX XXXX was told the Court Never releases XXXX  information to the public, nor does it report to CRAs. I was personally told by the Court that the only way such information is obtained is through the Public Access to Court Electronic Records ( PACER.gov ), which is a free service and provides the public with access to court records. Consumer violations are : 15 U.S.C. 1681 ( 4 ) : Congressional Findings, and 15 U.S.C. 1681c ( a ) ( 5 ) Information excluded from consumer reports, and no CRA may include any other adverse item of information to anyone. I have the right to privacy and These CRAs are violating my right to privacy. I have never given these CRAs consent or permission to give my information to anyone, which is a violation of 15 U.S.C. 1681b - Permissible purposes. The XXXX information is as follows : XXXX XXXX XXXX : XXXX, {$0.00}, Discharged XXXX. XXXX, 2016, Reference Number XXXX, Date Filed XXXX. XXXX, 2016, Filed at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Delete this information now.
Consumer complaint received 2023-01-12
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. (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.
Consumer complaint received 2024-01-04
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.