davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter.
Consumer complaint received 2023-03-23
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. (PA)

In accordance with the Fair Credit Reporting Act, 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 has violated my rights. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks
Consumer complaint received 2023-04-06
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$250.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1900.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6500.00} XXXX XXXX & XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-06
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. (NJ)

I am writing to express my concern regarding fraudulent items on my credit report. I recently discovered several entries on my credit report that were not authorized or initiated by me, causing significant financial damage and negatively impacting my credit score. To elaborate, these fraudulent items include credit accounts that were not opened by me, as well as charges and loans that I did not initiate or receive. The total amount of these entries is substantial and is causing harm to my credit score. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. Despite my efforts to dispute these items with the credit reporting agencies and creditors involved, I have not received a satisfactory resolution. I have provided documentation and evidence of the fraudulent activity, but the items remain on my credit report.
Consumer complaint received 2023-03-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc. (TX)

On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX ( collection company ) stating they had acquired an unpaid payday loan from AdvanceAmerica. I notified XXXX XXXX XXXX that the debt had been settled in XXXX of XXXX with AdvanceAmerica and submitted a copy of a bank statement page showing the payment made to AdvanceAmerica, along with an email confirmation from AdvanceAmerica stating that the balance was paid. The collection company then submitted the information to AdvanceAmerica for review. As of XXXX the collection company has not received a response from AdvanceAmerica. 

On XX/XX/XXXX, I followed up with the collection agency and was told they were still awaiting a response from AdvanceAmerica. That same day, I called AdvanceAmerica and spoke with a representative who asked me to upload copies of the documents I had sent to the collection agency. I did just that, however, I never heard back from AdvanceAmerica. 

On XX/XX/XXXX, I once again called AdvanceAmerica and was told that the documentation I had submitted was insufficient and that they needed my entire bank statement showing all of my personal expenses. For reference, the original statement I sent them had my personal expenses and transactions blacked out since they were unrelated to the balance in question. The payment made to AdvanceAmerica, however, was NOT blacked out and could be fully verified. I was told by the supervisor at AdvanceAmerica that I would need to submit an un-redacted copy of my bank statement which shows confidential information. I let the supervisor know that the payment in question was clearly visible on the statement I submitted and there was no reason they needed to see all other personal transactions. I was told that was their policy and unless I submitted a copy of my statement showing my personal expenses, balances ( which includes savings and investment accounts ), that they would not verify the payment and ensure that my account with them was accurately updated.
Consumer complaint received 2023-04-06
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 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 I request due to errors on account status and payment history the account be removed immediately from XXXX, equifax, and XXXX.
Consumer complaint received 2023-03-23
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. (GA)

I have sent several information about the account being inaccrutte THE COMPANY IS IN VALUATION OF SEVERAL LAWS Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed belo
w still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-10-07
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. (GA)

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

Account name : XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX Account 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 2022-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I sent a letter addressed to Resurgent Capital Services L.P. and a letter also addressed to LVNV Funding LLC asking for validation and verification. They replied saying the information is verified and they also sent me a copy of the billing statement. The address on the billing statement is not my address and the information is incorrect. 

The address they have on this account does not match my address. The original creditor removed the account from my reports when i initiated a lawsuit over this fake address. 
The address they have is XXXX XXXX XXXX XXXX XXXX .... My address is XXXX XXXX XXXX XXXX XXXX .... I do not live in XXXX and that is not my address. This is a large housing complex and people steal mail and packages all the time to commit fraud. 

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 consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Experian is illegally reporting inaccurate information about me. They are reporting that I have an account with XXXX XXXX XXXX that is open and with a past due balance of {$580.00}. This is a violation of FCRA and is in violation of requisite METRO2 compliant reporting standards.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX medical collection agency, and XXXX XXXX XXXX XXXX my HIPPA rights by sharing my personal information with the credit bureaus. While XXXX removed the accounts, XXXX and Experian both refused.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX 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 Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Experian is reporting incorrect information about me. The alleged collection account for XXXX XXXX XXXX is listed as being open and with a past due balance of {$130.00}. This is a violation of FCRA and is in violation of requisite of METRO2 compliant reporting standards.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened a interest checking account ( ending in XXXX ) on XX/XX/XXXX, at the Citi Bank branch on the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ). At the time of the opening, I was assured to be eligible for a checking account opening promotion if I complete the required activities, which required me to deposit a certain amount of non-citi funds to the account, keep that balance for 90 days, then I will receive a bonus cash deposited into my account within 30 calendar days. Specifically, if I deposit XXXX dollars to this account and keep it there for 90 days, I will receive a XXXX dollar bonus, per promotion XXXX. On XX/XX/XXXX, I made a wire transfer totaling XXXX dollar non-citi funds to this account, and my minimum account balance for this account was above XXXX dollars until XX/XX/XXXX, which was already 123 calendar days. According to Citi 's promotion terms and conditions, I should have already received the promotion by that time. However, I never received the bonus. Also because that my total balance was below their minimum balance to avoid a account management fee that I was never aware of, I was charged a monthly service fee of XXXX dollars per month starting XX/XX/XXXX for XXXX months until I closed this checking account in XX/XX/XXXX. I contacted Citi bank 's customer service via chat in XXXX and XX/XX/XXXX, and they replied that the promotion bonus just takes time to reflect on the account. In XX/XX/XXXX, I still did not receive the bonus. At the end of XX/XX/XXXX, I visited a Citi bank branch in XXXX in person, and a banker filed a claim regrading this issue for me. I was guaranteed to hear back from them within 2 weeks. However, I did not hear a single thing from them until XX/XX/XXXX. In the month of XX/XX/XXXX, I contacted Citi bank 's customer service through phone multiple times to inquire about the status of my claim, and each time the customer service would make a false promise of saying that I will hear back within the next week, and in fact, I did not, until XX/XX/XXXX. Because I was being hit with the 25 monthly service fee and the fact that I could not trust Citi Bank 's promise anymore, I closed this checking account at the end of XX/XX/XXXX. Shortly after I closed this account, I received a letter from Citi 's customer service department delivering the result of my claim, in which they claimed that I was not eligible to receive the bonus from this promotion because my account was closed. This seemed intentional and manipulative because the bank made various false promise through out entire relationship.
Consumer complaint received 2022-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IL)

On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from Caine Weiner that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to XXXX XXXX  and XXXX and have not recieved updated information. Below is documention of the transaction CAINE WEINER Original creditor : XXXX XXXX Balance details 10 % of this account is paid off Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$390.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Account information disputed by consumer Your statement - Contact info Name CAINE & WEINER Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (FL)

So I bought this XXXX XXXX XXXX From XXXX XXXX on XXXX XX/XX/XXXX First of all the car was highly overpriced for what the value of the loan is. I pull up the XXXX XXXX book value of the car is XXXX dollars they sold to me for almost XXXX and with so many problems like the engine is messed up and door behind the driver is broken.. Engine and light in front is broken I havent had this car for even three months yet and it has so much problems. To make matter worse I got sick and had to spent time in the XXXX Im behind on payment and company refuse to lower my payment to what the car actually worth or give me a deferral for 90  days This car is lemon and if I can get this resolved through this XXXX  Im planning on taking the legal advice that was given to me to pursue both company. Also this company call me XXXX to XXXX times a day during my resting part.. They harassed me everyday
Consumer complaint received 2022-11-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

We have been filing for a XXXX XXXX assumption with PennyMac since XXXX of 2022. 
This has been a very frustrating transaction for both the buyer and the seller who are veterans and just want this loan to close. 
The mortgage officers in the assumption Department have completely disappeared on us numerous times, they have also repeatedly asked for the same documents over and over and then when we submit them they just disappeared on us again. No response to are phone calls or emails. We have reached out to management and filed several complaints. We are always promised to get a response but never do.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

RE : The inaccurate and certifiably noncompliant information you are reporting To Whom It May Concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE LL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

[ Date Filed/Reported : ] XX/XX/2016 [ Reference # : ] XXXX [ Closing Date : ] This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extenas to the reporting mandates that there be no deviation from XXXX CO Format compliance since, per the CDIA, DNP 3-4 " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law. 

Thank you for your time and help in this matter