davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
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. (AZ)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I've disputed a XXXX XXXX account multiple times due to inaccurate reporting. I sent disputes via mail starting in 2020, disputing the account due to inaccurate reporting. Currently the status is reporting " Paid '' and " Derogatory '' between the credit bureaus. There are also other discrepancies reporting on my credit that are not correct and are inconsistent between the 3 credit bureaus. If I dispute and they come back " Accurate '' every time, then how are all 3 bureaus reporting differently? This is not FCRA reporting standards and is a violation.
Consumer complaint received 2022-07-19
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. (NY)

N accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602A. 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 2024-01-23
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. (NC)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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 2021-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted XXXX XXXX XXXX onXX/XX/2021 about a debt they clamed I own, see attachment.To this day they failed to verify the debt the debt as they are required by the air Debt Collection Practices Act and the FCRA.
Consumer complaint received 2024-01-23
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. (NV)

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 Account Name : XXXX Account Name XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : 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 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
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. (CT)

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 Account Name : XXXX Account Name : XXXX XXXXXXXX XXXX Account Name : 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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

In accordance with the fair credit reporting act. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2022-01-17
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: GOLDMAN SACHS BANK USA (MD)

XXXX XX/XX/2021 - Paid a merchant {$1200.00} for services. XXXX XX/XX/2021 - Services were not provided by merchant as agreed. Attempted to resolve the issue with the merchant, however after more than 30 days the merchant refused to provide a full refund. I filed a transaction dispute for the transaction with Goldman Sachs and received a provisional credit while the dispute was under review. XXXX XX/XX/2021- Without explanation, Goldman Sachs reversed the provisional credit and closed the dispute against my favor. XXXX XX/XX/2021- I received an official email with the following message : " Due to a system error, you may have received an email or notification stating a dispute you filed was not resolved in your favor. The dispute has indeed been resolved in your favor. We will reapply the credit you had previously received within XXXX hours. '' XX/XX/2021 to XX/XX/2021 - I never received a credit as mentioned in the email. I contacted Goldman Sachs over a dozen times for an explanation of the dispute and email. Each time, the customer service representatives promised to escalate and resolve the issue but as of XXXX XX/XX/2021 I have never received any callbacks, communication, or credits and the balance is still outstanding on my credit card account.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I believe there has been a mistake in my account billing for Account Number : XXXX, for the auto : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have a late payment of longer than 30 days in my credit score report. However, when reviewing my account I discontinued automatic payments in XX/XX/XXXX. I made a payment on XX/XX/XXXX that went to the Principal instead of the Monthly Payment. This was an error in billing, I did pay the amount of {$590.00} in XXXX and XXXX XXXX XXXX took in the amount to pay for the principal. I consider this fraud. I then on XX/XX/XXXX of XXXX did a double monthly payment of {$1200.00} as I noticed that you had not taken in my XX/XX/XXXX payment towards my monthly payment. I contacted XXXX XXXX XXXXXXXX XXXX multiple times regarding this error by phone before the 6 month limitation in billing changes per their policies took place, but I never received a positive response. We can look at phone recordings to verify. I believe this is a billing error and I should not have a 30 day late payment flag in my credit report since this institution received the monthly amount on time, but failed to bill it as a monthly payment. In reality this institution received 3 payments from me totalling {$1800.00} in the period from XXXX to XXXX and still received a derogatory mark from XXXXXXXX XXXX XXXXXXXX XXXX. which I respect, but which made a billing error that cost me a significant drop in my credit score. 

Please note that I am willing to dispute this at the Credit Bureau level since this is the only bad mark in my credit report, since this is a billing error, not a denial to pay from my side. I clearly made 3 payments in that period when only two were needed in my pay schedule. 

Thank you for your time and attention. 

XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-23
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. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (NC)

Several items on my credit report with this company are for years prior to XX/XX/2011. I have written this company twice asking that these items be removed from my record to no avail.
Consumer complaint received 2022-07-19
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. (NC)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Exoerian and XXXX Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX
Consumer complaint received 2020-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XX/XX/20 Sent in letter to be dispute accuracy and sources of information on my report. Transunion has took more than 40 days to investigate and has not removed accounts or sent updated report
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I have been a customer of Chase bank since XXXX, and up until now had always loved my bank. The past year or so has been a very difficult time for me and my family. We discovered I may have XXXX, I was terminated from my job and in a near XXXX  car accident - all of which I am still trying to recover from. Ive gone through my statements and in total I have been charged {$7100.00} in overdraft and related fees since early XXXX. 

Right now my account is overdrawn by {$790.00} and my sons account is overdrawn by {$660.00} which were charges on my debit card that somehow got linked to his account. If I hadnt been hit with all these fees I would have a positive balance of {$5700.00}. That kind of money makes a world of difference in todays economy, especially since Im still out of work and wont be getting much for unemployment soon. But no one at Chase seems to care. 

I also attempted to deposit a {$2500.00} check at which point my account disappeared and when it reappeared my debit card had been linked to my sons account and the purchases I made over drafted his account! I cant understand why this happened and no one I tried to speak to would help me. Chase bank is putting my and my son on the street with these fees.
Consumer complaint received 2024-01-19
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. (FL)

Experian is reporting that the ( XXXX XXXX XXXXXXXX ) account status as Late ; however, according to XXXX and XXXX online monitoring services report, I have no late payment and no collection on the ( XXXX XXXX XXXXXXXX ) therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I am so beyond frustrated, I have been trying to address the errors and solve this problem with your agency and corporations and debt collectors and have continuously been ignored. I am now having to escalate things, because I am not being treated fairly and my complaints continue to be disregarded. I am needing to escalate things to a legal complaint, because these errors are invalid and unverified yet continue to stay on my report without knowledge of accuracy or my permission.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I appreciate the effort taken to eliminate some of the fraudulent items from my file that resulted from alleged identity theft. However, there are still remaining ITEMS that require removal. As a victim of identity theft, I am reiterating my request to remove these items from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to remove any items not later than 4 business days after XX/XX/XXXX. This matter has been previously raised in my complaint, and I am readdressing it here with my new FTC report # XXXX. The remaining items for removal per bureau are : -- -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} -- -- -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX This complaint serves as notification that if the listed items on my reports are not removed, I will be compelled to file a lawsuit. I have informed my attorney of my intentions, and they are prepared to hold you accountable in case of willful noncompliance.
Consumer complaint received 2022-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

My mortgage is with NewRez LLC handled by Shellpoint Mortgage Servicing LLC. and I was in COVID19 Forbearance plan. However, the process of getting out of the forbearance and starting paying my new modified loan was all but a disaster. Starting XX/XX/2021 I was in talk/email with a Shellpoint contact person and when it comes time for me to sign documents, they keep sending the wrong/misspelled documents over and over again. When all that happened they didn't push my payment starting date, which was scheduled to start in XX/XX/2021. And when my mortgage payment due date passed they reported it to credit agencies as I missed all payments during the COVID19 Forbearance plan, this is despite my payment of a newly calculated modified monthly payment on XX/XX/XXXX. Now, all the promises that the government gave to a homeowner like me have become lies. my XXXX XXXX got to the lowest point itever been and the psychological impact was putting a toll on me. 

I did everything that NewRez/Shellpoint Mortgage Servicing LLC asked me to do. I tried to avoid getting into this kind of situation, speeding hours and hours on the phone just to get one representative to give you a false assurance that everything will be fine. Shellpoint Mortgage Servicing LLC messed up my document. They sent wrong papers for me to sign four times. With this out of my control situation I got a XXXX XXXX hit which is almost hard to overcome. 

Please, please... I need someone to help me on what to do in this situation.
Consumer complaint received 2024-01-23
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. ()

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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