davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

TO WHOM IT MAY CONCERN : ON NINE OCCASSIONS XXXX XXXX XXXX HAS IMPROPERLY AND MALICIOUSLY REPORTED INACURATE, MISLEADING AND OR FRADULENT INFORMATION TO THE CREDIT BUREAUS REGARDING MY MORTGATE AS WELL AS AN AUTO LOAN. NO PAYMENTS HAVE EVER BEEN LATE TO THIS CREDIT UNION SINCE ACCOUNT OPENING. SEVERAL BOARD MEMBERS OF XXXX XXXX XXXX ARE AVERSE TO THE COMPANY I AM CEO OF. MY HOME IS CURRENTLY FINANCE WITH XXXX  AND THE PROPERTY IS CURRENTLY FOR SALE. MY TRUST OFFICE AT OUR XXXX WAS CONTACTED BY SEVERAL LOAN OFFICERS OF XXXX THROUGH REAL ESTATE PERSONELLE OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX  HAS A PRESIDENT THAT SITS ON XXXX XXXX. WHEN MY OFFICE WAS CONTACTED BY THIS REAL ESTATE FIRM WITH TIES TO XXXX  WE REFUSED TO SHOW THE PROPERTY TO THEM AND THEIR REALTORS AND LOAN OFFICERS BECAME IRRITATED DUE TO THE STRICT SALE REQUIREMENT PROCESS. SUBSEQUENTLY THE VERY NEXT DAY THE MORTGAGE WAS REPORTED AS DELINQUINT AN UNPAID/PAST 30 DAYS DESPITE BEING PAID ON TIME AND THAT THE LOAN AMOUNT INCREASED, CAUSING A MAJOR DROP IN MY PERFECT CREDIT SCORE FROM MID 700 'S TO THE HIGH 500 'S. AFTER MUCH TIME AND COMMUNICATION WITH THE CREDIT UNION, EXPERT WITNESSES, LAWYERS, LEGAL DEMANDS TO THE CREDIT UNION THEY REVERSED THE FALSE, INACURATE AND FRADULENT REPORTING AS THEY HAVE DONE PRIOR BUT JUST LIKE THOSE OTHER TIMES THE CREDIT SCORE HAS BEEN DAMAGED AND NEVER FULLY RECOVERED. XXXX CLAIMS THIS PROCESS IS AUTOMATED, AN ACCIDENT, OR ERROR " DARN COMPUTER '' DEFENSE. I COULD SEE THIS BEING AN ACCIDENT ONE TIME BUT 9 TIMES IN A YEAR AND A HALF PERIOD WITH ANCILLARY AVERSE INDIVIDUALS TO MY CORPORATION AND MYSELF INDIVIDUALLY WHO ARE TIED TO XXXX  IS CLEARLY MALICOUS. THIS IS FISHY AND AS A CONGRESSIONAL GOLD STAR FAMILY MEMBER I AM ASKING THE UNITED STATES FEDERAL GOVERNMENT TO INTERVENE AND OR REFFER THIS MATTER TO THE DOJ OR FBI FOR PROSECUTION OR INVESTIGATION. IF THEY FREELY DO THIS TO ME, IMAGINE HOW MANY OTHER AVERSE AMERICANS THEY SUBJECT TO THIS TORMENT VIA THEIR RACKETEERING INFLUENCED AND CORRUPT ORGANIZATIONAL PRACTICES.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

My mortgage was originally through XXXX XXXX and then was bought out by XXXX XXXX XXXX. I was going through a divorce and foreclosure papers where served. I had sold the home before a court date was even set on XX/XX/XXXX. 

XXXX XXXX  continue to send FS ( foreclosure Proceeding Stated ) remarks to Experian XXXX months after I sold the home and MOST recently, left a FS remark on XX/XX/XXXX after the home was sold in XX/XX/XXXX. I tried to dispute this thru Experian multiple times even including my XXXX XXXX XXXX XXXX proof of sale. XXXX XXXX continuous to not answer any of my questions after telling me this is a " closed account ''. 

My home buying chances are in danger while XXXX XXXX XXXX continuous to leave negative credit inquires. Experian disputing is no help to me neither ...... 

HELP!
Consumer complaint received 2017-07-27
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NC)

There was n't a clear category for my issue, but I live in a state ( NC ) where I know the mini-Miranda must be read, however when I was contacted this morning by Navient, it was n't read nor was I properly verified - just a " Is this ( my name )? '' and then went right into verifying my contact information. I know that not saying the Mini-Miranda is a violation of the FDCPA since they were trying to collect on a debt ( XXXX overdrawn )
Consumer complaint received 2023-05-05
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)

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 XXXX XXXX ) Account Number XXXX Account Name XXXX XXXX XXXX Account Number 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 mor

e 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 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC.
Consumer complaint received 2017-09-06
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. (TX)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.
A copy of my Identity Theft Report and proof of my identity.
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (TN)

In XXXX of XXXX  I terminated my internet connection with XXXX XXXX. I had been a customer for many years and never been late one time on monthly fees. At termination of service, XXXX sent me a box to return the equipment via XXXX. The equipment was promptly packaged and returned as instructed. I absolutely had no need for the equipment and was glad to get it out of my way. In XXXX of XXXX  XXXX billed me for the equipment. Prior to packing the equipment, I took a picture of the shipping label. I provided that information to XXXX. I assumed that met their requirements. A few months later I was contacted by a debt collection agency. I provided the same information and they continued to insist I owed this debt. After a few more months a second collection agency contacted me and in addition to asking me to pay for the returned equipment they stated I did not pay a monthly service fee. Again, I provided the information and this time provided proof that the monthly service fee was paid. Now I have been contacted by a third collection agency and again I have provided the shipping information. It is not my fault that this happened during the XXXX lockdown timeframe. I am very frustrated by this whole process. In addition, doing a quick XXXX search shows this seems to be a common business process.
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: REGIONS FINANCIAL CORPORATION (IL)

Im responding saying that I wont be able to pay it right way Ive been trying to find a job for months i got kicked out moved to XXXX  and couldnt find a job there so I moved back to XXXX with my girlfriend and ur grandma to find a job but still nobodys wanting to hire me I need time to get the money Im sorry for any inconvenience
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (IL)

I recieved an alet from reporting agency that there was activity on my report I looked at report to find XXXX XXXX was listed as putting me in collections I called the number listed and they told me they could not giv me any information they could only talk to my lawyer.it was for somthing with Citi that shows in the collections box for {$2000.00} I have never in my life had any citi bank accounts or credit cards and they wouldnt even tell me what is was for. I recievd a letter about a year ago to my dtrs house from citi stating that someone was tying to open a checking accont on line in my name and my daughters address they had me talk to the fraud dept who assured me the checking account was not opened. 
I have heard nothing after that until my credit report shows this collection agency for Citi and a balance due of {$2000.00}.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

On XXXX the XXXX I faxed the Fraud department a copy of my FTC identity theft report. I asked to have this account removed because the account is fraudulent. 

I also sent a Identity theft report to the Credit Bureaus to have the block the account from reporting. The credit bureaus blocked the account on XX/XX/XXXX. As of today XX/XX/XXXX XXXX  re reported the fraudulent account. 

I also faxed over police report and a FTC report to XXXX they still haven't removed the fraudulent account.
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

ARS has been reporting a collection account to XXXX for at least the last year, regarding a medical debt to XXXX XXXX XXXX for services dating from XXXX. 

When I look at the address ARS reported as associated with the debt, it shows an address in XXXX, XXXX XXXX, where I have never lived. This debt is n't mine. And I have never lived in XXXX XXXX or used any address there. The item does n't show on my XXXX or XXXX XXXX credit report, it only shows on XXXX. 

So, I disputed the debt via XXXX several times. XXXX says they contacted ARS, who " confirmed '' the debt is mine, although I was provided no information how ARS made this confirmation. How did ARS determine this was mine? Especially when the billing address is XXXX miles from where I live? 

ARS does n't seem interested in checking basic facts before reporting to what can effectively ruin my chances of getting loans. Despite it not being on either of my other reports, and despite nothing else on my credit indicating I 've ever lived in PXXXX XXXX.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

Enhanced Recovery placed an account from XXXX on my credit report on XX/XX/XXXX. I called this company and spoke with an agent to find out what this item is, and I was informed it was an XXXX account from XX/XX/XXXX. I told the guy I do not have an account with XXXX. I called XXXX on XX/XX/XXXX and I was told I do not have an account and do not owe XXXX any money. I want this account removed from my credit report immedialety because it does not belong to me
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I am writing to dispute the following information that appears on my Experian report from XX/XX/2023 : Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$520.00}. The original creditor is XXXX XXXX. 
I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Consumer complaint received 2023-05-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (NV)

I placed an order on XX/XX/XXXX for a XXXX XXXX XXXX with a {$700.00} down payment on XXXX. I was told online, on their website and the app, that registration and title would be included before signing the contract for the loan. After signing all required documents, I received a notification via the app that my registration was complete and plates were on the way. It also stated that if I didnt receive my plates by XX/XX/XXXX, to give them a call. On XX/XX/XXXX, a week after the 7-day return policy ended, I received and email stating they were notifying me of the change in their registration and that all Nevada residents will now be processed as title only. I immediately called in to dispute it and was told theres was nothing they could do and I would have to pay registration fees in full. I feel as though it was very misleading and false advertisement to say it would be covered by XXXX on the website and app and then be told I have to pay for registration out of my pocket.
Consumer complaint received 2023-05-05
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. (NY)

i am a natural person, i am a living human being, i have rights under 15 USC 1681. Transunion is govern by 15 USC 1681 and they violated my rights numerous times. i demand the accounts listed below be remove because According to 15 USC 1681 : i have the to privacy and i did not give transunion written permission to furnished these accounts TRANSUNION ILLEGAL AND ADVERSE REPORTING ( XXXX ) XXXX XXXX # XXXX ( XXXX ) XXXX XXXX # XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I attach my credit report of transunion adverse reporting with multiple names, addresses, hone numbers and employer. 

According to 15 USC 1681 : i have right to privacy and i did not give transunion written permission to furnish these account
Consumer complaint received 2016-06-04
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (AZ)

Hi Wells Fargo bank complaint I tried withdrawing my funds to pay my rent on the XXXX of the month, as I always do, the bank did not allow me to do so. 
They placed a block on my card without my permission. 
As I result, this has cost me about {$30.00} in transportation fees. Possibly a late fee on my rent too. I said a prayer hoping that they do n't. 

They said that there are daily limits on my account. I asked for an increase on my daily limit. Wells Fargo declined it. 
I have had my account in good standing for almost 1 yr now. 
There is no reason for the company not to approve the increase. 
It 's a checking account, not a credit card. 

My check is on time every month, and the same amount is deposited. 
All companies are aware of when deposits are coming in from ssa. 

I 'd like to see a withdrawal limit to the amount that I deposit each month on the XXXX. 

I have been working hard to clean up my credit. 

Can you make a change to banks to increase at least the debit card charging to the amount that is deposited into my account each month? 

This way all of my bills will be paid automatically when my income comes in, or most of them. 
I can then get my money order for free at XXXX, instead of paying {$5.00} for a cashiers check, and having to withdraw cash to get a money order. 
I tried quite a few times to make sure that I got it paid yesterday. 
It is their daily limit policy on the opportunity checking that makes it difficult. Especially when I have to work that day, and the bank is closed when I leave work. 

This is much safer than carrying cash. 

Thank you for your time. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) has violated several of my rights 15 U.S.C. 1681 Section 602 A. Clearly state that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-10-10
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)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer.

.

XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX