davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc. (CA)

1. On the credit report from XXXX, there is a " collection '' record from EASTERN ACCOUNT SYSTEM. The balance is {$560.00} first reported on XX/XX/XXXX. On " Payment History '' it shows " Failed to Pay '' on XX/XX/XXXX. 2. A check was made payable to XXXX XXXX XXXX dated XX/XX/XXXX with the amount of {$560.00}. ( this is the exact amount of service requested, rounded up in credit report to {$560.00} ) 3. OnXX/XX/XXXX, the same check was deposited by XXXX XXXX XXXX  in XXXX CT with proof of check image attached.

4. The credit report is incorrectly showing " Failed to Pay '' on XX/XX/XXXX, this collection is reported 3 years after the check was deposited by XXXX XXXX in XX/XX/XXXX 5. An online dispute was submitted to XXXX  to correct this. However, XXXX did not make the proper correction and still shows this collection record and " FAILED TO PAY '' in current credit report 6. A email was sent to EASTERN ACCOUNT SYSTEM requesting correction. No response was ever received.

7. Called XXXX XXXX XXXX  Office and was promised to correct the record but it never happened.

8. A mortgage loan was rejected from XXXX XXXX XXXX  in XX/XX/XXXX due to the false record of collections showed inXX/XX/XXXX
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (GA)

This letter is regarding my XXXX account, which you claim I still owe {$5700.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act XXXX including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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. (IA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have had two late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXX, XX/XX/year> ) importantly this company is no longer in service. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2018-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

Dear Sir or Madam of CFPB I disputed the referenced accounts XXXX which is XXXX XXXXXXXX XXXX XXXX as of 2018 The credit report of XX/XX/2018 shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. I have all my proof of documents to hold in court to show it has been removed and Equifax violated the FCRA which is {$1000.00} per each to me from Equifax I will exchange this for a immediately. 

Thank you, Your Name XXXX XXXX
Consumer complaint received 2018-08-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BTH Management (FL)

I informed the company I was a XXXX XXXX XXXX veteran on XXXX, and social security, that, That I was theconsigner, and that I would voluntarily surrender the care. The company never sent me any information on car, it wS reposed in XX/XX/2016, within this last week it was placed on my credit report after I had disputed it, The company placing it on. Y report is not the original debt, I have no contract with this, company that has placed this on my credit report. I am asking it be removed as legally they are not the lien holder, they have no right to my social security number, or my credit report, So I am asking that the CFPB ASK THEM TO DO THE FOLLOWING, REMOVE THIS FROM MY CREDIT FILE, This letter is in direct response to your companies answer to my disputes submitted ( Date ) for the accounts listed below. I disputed the inaccuracy in which these accounts were being reported. 
I dont understand how these accounts were verified when I was not sent any proof by way of your method of verifying the accounts listed in my dispute. So according to FCRA 611 ( a ) ( 7 ) I am requesting the description and documentation used to verify these accounts. 
There for I am also requesting that you provide me with the documents that you have on file as of ( DATE ) that your company is in compliance with Metro 2 reporting standards. Under the Fair Credit Reporting Act 15 U.S.C. 1681g, I believe it is my right to request that you provide me with the Header Record, containing 18 fields, which ensures that the information was identified correctly by the bureau. The Base Segment, containing 49 fields, which provides the specific account information for me. The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau to my particular file. 
Your response that these accounts were verified was not enough to satisfy the accuracy of these accounts. If you can not provide me with the above information as requested please delete these accounts accordingly per FCRA 611 ( a ) ( 5 ) ( A ) ( i ). 
I am exercising my right provided by FCRA 15 U.S.C. 1681i to request that the above information be provided to me with the time allotted or these accounts be deleted from my credit report. Please do not continue to knowing report these items if there is no proof to their accuracy. 
If you are unable to provide proper redress for this matter, which is the Metro 2 compliance documentation and evidence to the accuracy of these accounts I will be forced to seek additional support by way of complaint to the FTC, and my Attorney General. 
If you are unable to provide the above documentation and evidence please delete these accounts and provide me with an updated copy of my report reflecting the deletion of these accounts.
Consumer complaint received 2018-08-23
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 — Investigation took more than 30 days
Company: Byrider Franchising, LLC (MS)

Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1  ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX  )
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, 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. (NC)

I sent letters with multiple request to have credit inquiries removed that I did not recognize from my credit reports. XXXX removed the inquires, XXXX and Experian refuses to remove the inquiries.
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Today, I attempted to use my debit card for gas to get to work and it was declined. At my lunch break, I reviewed my account to find out that Union Bank has shorted my account {$88.00}. After my withdrawal of {$1000.00} ( not including my deposit of {$7200.00} ), I had {$620.00} left. I calculated all of the charges since that date and have spent {$540.00}, which leave {$88.00} missing. Thank XXXX I had a credit card or I would have been able to get to work today. I am very livid and XXXX off that I don't have access to my own money. I should not be overdrawn {$210.00} as stated on my account balance. Unless my XXXX XXXX XXXX and prior education has taught me Math incorrectly, this is completely incorrect. I would like to find out how to file suit against Union Bank or if their is something the CFPB can do about this. Union Bank should not be stopping anyone from utilizing their own money. Now, I have to figure out how to survive until this matter is straightened out. I have been not only inconvenienced but put in a place of hardship that I should not be experiencing.
Consumer complaint received 2018-10-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: REGIONS FINANCIAL CORPORATION (NC)

In XXXX I when shopping for a Home Equity Line Of Credit ( HELOC ) so that I can pay off bills and make home improvements. On XX/XX/2018 I went to Regions Bank mainly to ask questions and gather information to see if this is where I wanted to apply for the HELOC. They were very helpful and answered all my questions. I shared with them my credit score, my personal finance and some of the negatives that I had on my credit history. I was trying to get from them, if I should or shouldn't apply based on the information I was providing. I knew that applying would result in a HARD INQUIRY on my credit which would affect my credit score. I didn't want to apply if the information I was sharing didn't prequalify me to move forward. But from the positive response I received I didn't see a reason not to apply. I was informed that the underwriters makes all the decisions on the applications. 
After weighing everything I returned To Regions Bank on XX/XX/2018 and applied for a HELOC. By the end of the day on Wednesday, XX/XX/2018 my credit application was denied. Now I have NO HELOC and left with a HARD INQUIRY on my credit. I have a checking account with Regions because I like them. So I'm not trying to hurt them. I need your help in getting their HARD INQUIRY off my credit report IMMEDIATELY so I can continue to search for the financial product that I need to do what I need to do for my home and personal finance.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The company " Transunion Credit Bureau '' charged me {$19.00} for a membership without my authorization. The website doesn't inform you that you will be charged for registering on the website. This company is a completely fraud and wants you money!! You can't hide any cost from people in order to trick them, it's not ethical to do that.
Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2018 I received an email from Huntington Bank stating that I needed to verify my recent transactions. I have two XXXX. My book-bag was left in my locker at XXXX, which consisted of my phone case. I was away at the XXXX XXXX ( XXXX ) and not even in Michigan nor XXXX. I replied NO to a text message so that my card could be locked and I called in the next day. I disputed around {$7000.00} in unauthorized charges to be told that the Merchants said my transactions were authorized. Some transactions were out of State ( not country ) and some were in state. Some transactions were through the ATM. I did not authorize any of these transactions nor have my card or ssn. I was sent out a new card, which now I carry in my sock so I know for sure no one will have access to it. Under Regulation E if this problem is not corrected within 15 days I will be filing a lawsuit. This is unlawful and no way to treat a direct deposit customer that has never had any issues with overdrafts and always a positive balance.
Consumer complaint received 2018-08-24
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Unified Global Group (KY)

They called saying the loan I had applied for was accepted. Due to my good behavior of paying debts/bills on time, no criminal history, and I was awarded this money as a grant and I would not have to pay this back. 
The number associated with this was ( XXXX ) XXXX and ( XXXX ) XXXX XXXX XXXX was the name given. You could hear a lot of people in the background so it did sound like a call center.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

I received a call last Thursday from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. The woman said there was a suit about to be filed against me and used intimidating tactics to try to get me to pay for an old debt that I had paid off years ago. I told her that and she refused to accept that. The call ended into a shouting match and I hung up. I receive these calls several times a year. They result from these XXXX XXXX firms buying old Credit Card companies Write Off lists with consumer info such as credit card company and social security number. They then try to coerce you to pay it off or be sued. They are thugs on the phone! I even had one company in California put a collection on my credit report. I had to contact my State Attorney General to get it corrected on my credit files with the three credit bureaus. I'm sure you know that the Credit Bureaus are very difficult to deal with. Why can't the CFPB do something to stop these predators from operating these scams on innocent people. You can do a XXXX search on the above mentioned company and see all of the complaints lodges against them. Why are they allowed to be in business? 

XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX
Consumer complaint received 2024-10-07
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at the following : XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), credit card XXXX  on XXXX XXXX under account number ( XXXX ), credit card XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned credit accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.