davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX has been reporting information to third parties without my consent. It has ruined my reputation. The law says I have to give written instructions for this information to be furnished but XXXX never got my written instructions, consent or authorization to furnish this information. The late payments on my student loans go against my written instructions. The late payments are an invasion of privacy and something I never opted-in to display on my credit report. Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent to this information being shared.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 17th 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28
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. (MN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-09-20
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)

XXXX has been reporting information to third parties without my consent. It has ruined my reputation. The law says I have to give written instructions for this information to be furnished but XXXX never got my written instructions, consent or authorization to furnish this information. The late payments on my student loans go against my written instructions. The late payments are an invasion of privacy and something I never opted-in to display on my credit report. Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent to this information being shared.
Consumer complaint received 2023-04-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (FL)

I have a payment agreement with Balance Credit, Acct number # XXXX. The payment loan amount is {$130.00}. The payment due on XX/XX/XXXX. 2023 could not be deducted from XXXX XXXX XXXX XXXX XXXX decided to close my checking account due to a scam transaction that happens few days earlier. XXXX XXXX  opens a new Checking account to protect from fraud transactions. I called Balance Credit on XX/XX/XXXX on due date to make the payment over the phone and explained the situations. The Rep took the new bank account number to make the payment. I receive an alert from XXXX XXXX  notifies the charge debit of {$130.00} made on XX/XX/XXXX and another payment of {$130.00} from Balance Credit. I called the Balance Credit to dispute the {$130.00} charge, and the Rep agrees they made duplicate charge and apologize. They agreed to refunded charges electronically immediate. Today is XX/XX/2023, I have made more than 10 calls to their Customer Centre, I explained the hardship of my personal financial situations. No resolutions or refund payment, on XX/XX/XXXX they made the next charges payment. Finally on XX/XX/XXXX I speak to a supervisor promises to expedite by XXXX payment that I should be able to received Tuesday XX/XX/2023. Today I called again, they said That I have to wait 6 business days to payment post on their account and another 10 businesses days to a refund a paper check. Basically 2 months to receive payment fraudulently charge and they doing an illegal business practice. I pray to FTC for a hardship and to stop scam practice and to put a fine for a business wrong action. Please help
Consumer complaint received 2022-09-24
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. (MD)

In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 c. ( 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 crime which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 reasonably cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (MI)

XX/XX/2022 : two unauthorized charges came through to my account. XXXX and XXXX. I reported to current that day. Immediately in fact. They said to wait until it was not pending to file dispute. Dispute filed the moment the payments posted. They closed dispute within four days saying no error was found & that I could get a copy of the investigation. I chatted with customer service and the email they gave me, and never have gotten a copy. They never issued the temporary refund as per their policy and will not answer why they didnt. I reporter within the two business days and send current to their strictest set of proofs to show I did. In chat. It is the only way to speak with anyone there. Their phone does not work. 

Since an error WAS made, because I never authorized the charges, I contacted both merchants who said it was current who acted fraudulently. They refunded the money. Current has not posted the refund and I am beyond the merchants time frame for it to post. Current says to contact the merchants. Both say Current has the money. Current has not posted it. Current is robbing me. I need need need that money. It is for treatment for XXXX. 

Also, at one point, the proof of refund I tried to submit all of a sudden wouldnt send. 

I tried to reopen the dispute as well and current would not reopen it. I gave them all the necessary paperwork. They did not reopen.
Consumer complaint received 2022-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (TX)

I initiated a redemption of my Gemini XXXX on XX/XX/XXXX, which is still pending. In the past, the redemptions were almost immediate. Gemini recently informed customers it would take XXXX days. It's nearly XXXX weeks, and I am still waiting, wondering if and when I will get my money. 
Allegedly Gemini updated terms and information on XX/XX/2022, to the Gemini XXXX, the same day they froze accounts. As agents, they knew about the issues well in advance and did not warn their users. As an agent for users, Gemini does not appear to act in customers ' best interest. 

Gemini Support on XXXX contacted me and said Gemini 's withdrawal management system is down. I could get an immediate withdrawal through their validator node at 'withdrawal.geminivalidator.com '. However, it did not work, and Gemini support said there could be a problem with the server and directed me to yet another site : sign-validatornode.net. That site wanted the private key to my hard wallet. When I expressed concern about divulging my private key online, Gemini support said it was 100 % secure. The problem is that I don't trust Gemini and don't know if GeminiSupport is a third-party application like Gemini XXXX. 

As an agent for users, Gemini deceived users into believing Gemini XXXX was an in-house program controlled by Gemini, so assets were secure and protected. From the beginning, Gemini as an agent for users, had a conflict of interest given their relationship with XXXX, the third party that controlled Gemini XXXX. Gemini knew XXXX 's financials were not above board and failed to warn their customers. When XXXX froze withdrawals, Gemini followed suit, freezing Gemini XXXX withdrawals, leaving its customer 's money freely accessible to XXXX. 

Gemini did not act in good faith or do due diligence as agents for its customers. Now its support team wants us to provide our private keys online to withdraw our funds when their servers are experiencing withdrawal management problems.
Consumer complaint received 2024-10-28
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. (PR)

I am writing to formally request an investigation and removal of several fraudulent accounts that appear on my credit report. These accounts were opened without my knowledge or authorization, using my personal information fraudulently. I am protected under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which mandates that credit reporting agencies must promptly investigate and remove any accounts that are found to be fraudulent
Consumer complaint received 2022-09-20
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: EQUIFAX, INC. (MO)

This is disappointing! I have been disputing for the correction of the accounts that are reporting erroneous information on my Credit File but it is clear that the Credit Bureaus do not pay attention to any of my disputes at all! The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXXD XXXX Balance Owed : {$4000.00} XXXX XXXXXXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXXXXXX Balance Owed : {$0.00} ; and XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-09-20
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)

Information on my consumer report is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be deleted. My request to delete is not made in error nor is my request to delete and or block being made on the basis of material misrepresentation of the fact by me reverent to the request to block and delete the identified transactions. The identified transactions are not information related to any of my transactions made by me as the consumer.
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (IN)

About a year ago in The fall of 2021, I received an alert from my credit monitoring service that I had a debt collection being reported on my credit reports. Knowing that I have no debt in collection I looked at all the credit reporting agencies and realized this was indeed NOT my debt. My license and wallet were stolen about 3 years ago and I have had some problems with identity theft since then. I filed a dispute with all three bureaus which they all returned saying it was valid debt with a company I have never had a phone with. I then proceed to contact the collection agency Sunrise Credit Services in writing to inform them that I had no idea of the debt and requested that they send the original bill and I told them it was probably identify theft. If you look at my credit history I have no late payments or unpaid debt. They responded by sending me a phone bill from XXXX XXXX XXXX with my name but an incorrect address. The address was in XXXX, Indiana. I have never lived in XXXX, IN in all of my 47 years of being alive on this Earth!! Shouldn't any credit agency or debt collecting agency be able to verify this information? 
I have a debt in collection for the amount of {$1400.00} to Sunrise Credit Services original to XXXX XXXX XXXX I have disputed this with the agencies and the credit bureaus but they continue to say it is my debt. This is fraud and I have never purchased a phone from XXXX XXXX  XXXX and I have never lived in XXXX, Indiana. 
XXXX XXXX XXXX Sunrise Credit Services
Consumer complaint received 2023-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (KY)

This notice is to inform you that FOX COLLECTION CENTER has unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F that went into effect XX/XX/2021, FOX COLLECTION CENTER has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. I sent them a Cease and Desist letter over a month ago and they are still calling and harassing me from a lot of different numbers throughout the day and evening. I do not know who they are. They have not provided any required documents or contract to prove that I owe them anything. This harassment needs to stop. They have no permissible purpose by law to contact third parties with my private or personal information
Consumer complaint received 2023-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

Dear Sir/Madam, Subject : Formal Complaint Regarding Frozen Bank Account at PNC Bank I am writing to lodge a formal complaint regarding an issue with my account at PNC Bank . My 3 accounts XXXX XXXX XXXX XXXX XXXX have been frozen without a clear explanation, leaving me unable to access my funds. This situation has caused significant financial distress and inconvenience. Please find below the details of my situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Incident Description : My account was frozen on XXXX XXXX, 2023. I was not provided with any prior notification or a specific reason for this action. 

3. Attempts to Resolve with the Bank : Following the discovery of the freeze, I visited my local PNC Bank branch on the XXXX to inquire about the issue. The staff provided only my account statements and transaction history, without any clear explanation for the freeze or guidance on resolving it. They informed me that they are unsure about the duration of these processes, and the only thing I can do is wait for an update. 

4. Personal Impact : The inability to access my funds has hindered my ability to conduct daily transactions and address urgent financial obligations, causing undue hardship. 
I understand that banks may need to freeze accounts for various reasons, including fraud prevention. However, I believe as a responsible account holder, I am entitled to transparent information and fair treatment regarding my financial status. 

Sincerely, XXXX
Consumer complaint received 2022-09-20
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. (MO)

I am submitting this 10th CFPB Complaint to follow up the previous CFPB Complaint I submitted last XX/XX/2022, to request that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. Why is so hard for the Credit Bureaus to remove the accounts and information that resulted due to identity theft? The Credit Bureaus should and must always comply the Federal statute and have the disputed accounts and information deleted under the Fair Credit Reporting Act section 605b. The Credit Bureaus did not just failed to comply with the FCRA regulation and ignored my requests, they have declared that the Disputed accounts and information are verified and are accurate! This is blasphemous! The Credit Bureaus never sent me copies of proof of verification let alone copies of documents bearing my signature to support the Credit reporting Agencies ' claims. Under the FCRA section 605b, I am requesting that the Credit Bureaus immediately remove the disputed accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX D XXXX CT XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; and Medical XXXX Balance Owed : {$23.00}. Once again, these accounts and information resulted due to identity theft and must be removed completely from my Credit File in accordance with the FCAR section 605b.
Consumer complaint received 2023-04-04
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. (NJ)

They continue reporting information that does not belong to me such as names and address even after I provide my state drivers licenses. They are also reporting accounts that violate my consumer rights according to 15 USC 1681 B.

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error these 3 accounts are in violation Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payements are transactions and transactions are excluded from a consumer report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ), An accommodation includes any payment assistance or relief granted to a consumer who is affected by the COVID-19 pandemic during the period from XX/XX/2020, until 120 days after the termination of the COVID-19 national emergency declared by the President on XX/XX/2020 under the National Emergencies Act.1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. 

*I was on a Covid 19 Forbearance Plan, and was never late on payments. I am now out of forbearance and mortgage is in good standing. I was given an accommodations, and as a result I can not have any negative effects on my credit. This is preventing me from pursuing any type of loans.