davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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  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 1681 ( 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 then records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-01-18
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. (PA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-16
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-18
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. (SD)

I am aware that despite customers providing precise information, you have been using pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand that this is illegal, as each customer complaint should be individually considered and handled appropriately. 

My letters are created using accessible software available to everyone. If you choose not to process my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay processing based on the assumption of third-party assistance. This does not qualify as a legal exception. I am the sole author of letters bearing my name, or they are written by my advisors with my knowledge and consent. Failure to respond promptly will be seen as a willful disregard for my rights, and legal action will be taken.

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and XXXX XXXX data field reporting standards, I have the right to dispute incorrect information on my credit report. It is essential that all data in a consumer 's file is properly documented and validated. The allegations against me are false, and I won't tolerate misinformation about my financial history. I challenge these claims due to their failure to comply with reporting standards. It is your responsibility to report data accurately and in compliance with FCRA and XXXX XXXX standards. Handle this matter with care and diligence.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

In accordance with the FCRA Experian has violated my federally protected rights as a consumer. 
Experian has refused to remove incorrect personal information from my credit report after requests made via telephone, online and by mail with document verification. Experian is reporting multiple alias/aka names and invalid addresses that I am not associated with which has compromised my consumer privacy.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Chime Financial Inc (OH)

On XX/XX/2021 a friend I thought I could trust who I was previous paying for rides I stepped out the car and got back in to notice my phone was stolen. The person pretended to help me look for my phone to discover the next morning he had my phone and transferred all my money out my savings chime account to his account. I found out he had it when I got to the phone store the next morning to buy a new phone to realize all my money was stolen out my savings account ti his. I instantly filed a police report where he currently still has a warrant out for his arrest. I disputed the claim provided information with detective as well as the case number as well as recepit buying new phone at store.chime bank denied me 3x times of sending my money back The person stole XXXX $ out my savings I have struggled tremendously from this incident even suffered with lights being off in home because I couldnt pay my utilities.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (CA)

Enhanced Recovery Company LLC continues to violate the Fair Debt Reporting Act and the Fair Debt Collection Act. Enhanced Recovery Company LLC willfully and willing re-aged this alleged debt knowing violating the consumer laws for the FDRA and the FDCA.

Re-aging a alleged debt is illegal.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. This is a list of alleged late payments : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

NOTE : I have requested this same information to be provided to me by XXXX  and as of todays date XXXX hasn't complied with my request.
Consumer complaint received 2024-01-18
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX  XX/XX/2023 EXPERIAN XXXX XXXX  XX/XX/2023 EXPERIAN XXXX XXXX XX/XX/2023
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (RI)

On XX/XX/2020, I sent a letter to this company under the name of Midland Funding LLC for account number XXXX for a balance of {$370.00} reported as an account in collections. I asked them in writing to send me a copy of the signed credit application for the debt from the original creditor with whom I had filed an identity theft report in the past. 

XXXX months have passed and I have not received a response. Perhaps they replied and the post office is delayed and this is why I waited three months to file this complaint.
Consumer complaint received 2024-01-18
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK (WV)

I Received a Loan from the SBA & it was placed into my account at First Horzion Bank in XXXX North Carolina in 2020 the loan was for XXXX I withdrew XXXX for necessities about XXXX hours later after I withdrew the funds my funds was in the negative amount of XXXX I called the bank & spoke with a clerk & the individual explained to me it was a issue with the system & to call back I never got a chance to give them a call back & revive a update due to handling other business ventures. The results of this issue was my account being closed & me owing the first horizon XXXX I was completely oblivious of the action made I called the bank back yesterday & tried to get the XXXX reversed & placed back into my account or receive a check with that amount to place in my new account with XXXX XXXX I was informed by First Horizon bank that they will give me a call on the next business day for a follow up action.
Consumer complaint received 2024-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX
Consumer complaint received 2020-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (OH)

On XXXX, XXXX, XXXX, I received a notice from XXXX, claiming they were considering a lawsuit against me, in regard to an alleged account with " Synchrony Bank/Lowes ''. I contacted XXXX, via Certified USPS, on XX/XX/XXXX, to dispute the validity, and alleged balance within 30 days, I also asked they not contact me during this period. Then I received a " second notice '', from XXXX, dated XX/XX/XXXX, during that 30 day period. I contacted XXXX again by Certified USPS on XX/XX/XXXX, to demand a response to my request. I never received one.
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

My wife and I had a mortgage loan with XXXX XXXX ( XXXX  ), that was transferred to BSI Financial ( BSI ) for loan servicing in XX/XX/XXXX. Our home was destroyed during the XXXX XXXX on XX/XX/XXXX. In XXXX and XXXX, we received insurance proceeds from our insurance carrier to rebuild, and sent the funds to XXXX. XXXX paid for some of the repairs, but then sent the funds held in escrow for the remaining repairs to BSI once it became servicer. On XX/XX/XXXX, I requested that BSI pay our contractor, and have sent BSI all of the forms they required and all of the bills from our contractor, but BSI will still not send us a disbursement so the contractor can be paid. We are afraid that our contractor will walk off the project if he doesn't get paid. BSI keeps giving us the run around, such as claiming it needs documents I sent to it months ago, and ordering inspections, then cancelling them. BSI is also holding more funds than our loan balance, and will not send us the overage amount. BSI also failed to fully pay for the insurance on the home, causing the insurance company to send us a cancellation notice.
Consumer complaint received 2024-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CT)

I must emphasize that all disputed accounts are fraudulently reported, and there should be no discrepancy in the treatment of these entries. The selective deletion of certain accounts while others persist is not only arbitrary but also inconsistent with the principles outlined in the Fair Credit Reporting Act ( FCRA ). I am filing a complaint against the remaining disputed fraud accounts. As a victim of identity theft, I demand the immediate deletion of the remaining fraudulent accounts from my credit report. The continued presence of these entries is causing irreparable damage to my creditworthiness and overall financial stability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not know how the theft took place, and I have no information about any suspects involved. I did not receive any money, goods, or services as a result of identity theft, and I demand that my credit report reflects this truth.
Consumer complaint received 2022-08-14
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)

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX  has violated my rights. On XX/XX/2021 there was an unauthorized inquiry. 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 an account without my written instructions 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 an account without my written instructions.
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (FL)

RE : Existing complaint # : XXXX XXXX has sent the bill to : Afni, a collection agency. 

I do not owe this bill. Neither XXXX or Afni has heard my side of this wroglfully accessed debt. Afni just takes the word of XXXX  becaue they are a big corporation and can get away with ruining a persons credit without merit or cause. Below is my original complaint. Afni needs to read this. Collection agencies should not have the right to assume a debt is owed without talking with me first. 

XX/XX/2020 XXXX you will see I purchased an XXXX from XXXX XXXX. The XXXX didn't work properly and I made seven ( 7 ) calls within fifteen ( 15 ) days to XXXX. I also took the XXXX back to XXXX XXXX and I took it to a local computer/phone repair shop. It would be fixed for a day and go back to not working. My carrier was XXXX. The first thing of note is the people I talked with at XXXX had me calling them back until I had PAST THE FOURTEEN DAY return policy. All of my calls to XXXX are verifiable. On DAY FIFTEEN when I called I was told I was out of luck having them do anything for me. I refused to give up and got through to a " specialist '' within XXXX. I'll make a very very very long story short, I was told I had a right to a FREE replacement or upgrade as I had bought insurance that covered a one time replacement. I received that XXXX and it has been working fine. One day I received a bill for the free replacement XXXX. I am being harassed by XXXX and they are putting this debt in for collection. I returned the old ( 15 days old XXXX XXXX as requested ( see attached ). XXXX sent the instructions and a box on how to return the XXXX, which I followed. I sent it back within the timeframe stipulated. XXXX is absolutely in the wrong. I will not pay this bill and it should not go into collection. Not until I got farther up the line of employees at XXXX was I told I had the replacement coming to me. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

This debt needs to be canceled and taken out of collection. I did everything I could to resolve the issue with that phone and it was not fixable.
Consumer complaint received 2024-01-18
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. (MD)

I am writing to bring to your attention a 30-day late payment entry on my mortgage account for the month of XXXX XXXX. I appreciate the services provided by XXXXXXXX XXXX and the role you play in facilitating my homeownership. 
I have recently reviewed my credit report and noted the presence of this late payment entry. I believe there has been a misunderstanding or error, as I have consistently made on-time payments since the inception of my mortgage. 
Upon investigating this matter further, it appears that the lateness may have been the result of XXXXXXXX XXXX  as stated on their website and the document they sent me stating that they processed check # XXXX on XXXX XXXX XXXX  and mailed it out same day. They also stated through email and their website that the check was delivered on XX/XX/XXXX, XXXX..this payment will be delivered by paper check on Wednesday, XXXX XXXX XXXX   SENT TO XXXX XXXX XXXX XXXX, TX XXXX CHECK NUMBER XXXX XXXX XXXX sent check from XXXX XXXX, CA on XX/XX/XXXX through mail to XXXXXXXX XXXX XXXX XXXX, Tx it was delivered on XX/XX/XXXX. That's not 30 days late. XXXXXXXX XXXX said they received it XX/XX/XXXX but can't verify that.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my extreme frustration and disappointment regarding the fraudulent accounts that have recently appeared on my credit report. I demand your immediate attention and action to rectify this situation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

It is beyond comprehension that such fraudulent activities have infiltrated my credit report, jeopardizing my financial well-being. I expect your organization to uphold the highest standards of accuracy and integrity when it comes to maintaining credit reports. The presence of fraudulent accounts is not only damaging to my credit score but also raises serious concerns about the effectiveness of your security measures. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I demand the aggressive deletion of these fraudulent accounts from my credit report without any further delay. This matter requires urgent attention, and I will not tolerate any delays or excuses. I have attached the necessary documentation, including proof of identity and evidence of the fraudulent nature of these accounts, to facilitate a swift resolution. 
If your organization fails to address this matter promptly and effectively, I will not hesitate to pursue legal action and file complaints with the relevant authorities. The impact of these fraudulent accounts on my financial reputation is severe, and I will not tolerate any negligence on your part. Your immediate attention to this matter is non-negotiable. Failure to comply will result in severe consequences, and I will not hesitate to escalate this issue through legal channels.
Consumer complaint received 2024-01-19
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>