davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (CA)

To who this may concern, The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is being reported inaccurately on my credit report. I ask Experian LLC to verify multiple documentations in which they failed to provide me with. I ask for the following documents as follows ; 1. Original contract baring my wet signature 2. Credit insurance 3. Payment history 4. Interest rate disclosure 5. Balance history 6. Payoff disclosure Documentations was never provided to me and I will like for Experian to provide me with these documents for proof of validation of accurate reported information.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Nelnet : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. 
( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2023-06-13
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. (NJ)

XXXX customer service doesn't have access to my account nor does anyone on the backend. The account closed in XXXX and I paid off the balance XX/XX/XXXX in a one time payment for the account to be removed from my credit reports. XXXX has been reporting my account 8 late payments 120days and everything else up to XXXX as a charge off. 
I have also requested my data multiple times over there years and no answer. just today I've spoke with over 35 reps from all departments and no on has access to it. This account should reflect its removal from all my reports. I have disputed every month with the bureaus, XXXX XXXX  and XXXX and still it has not been updated. Now when I am in between homes and explained the emergency I was in.
Consumer complaint received 2019-02-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions Bank Corporate Office XXXX XXXX XXXX XXXX, Alabama XXXX My father died in XX/XX/XXXX. He had purchased CDs from Regions Bank in XX/XX/XXXX totaling {$40000.00}. Regions name was XXXX XXXX XXXX at that time. Regions says that they have no record of these CDs. In XX/XX/XXXX, I wrote the Alabama State Banking Dept and Regions told them that they dont keep records on inactive accounts for more than 5 years. I then received a call from a Regions employee telling me that they dont have that money and not to contact them again about it. 
They say that they dont keep records past five years but dad also had an inactive checking account that was opened in XX/XX/XXXX and they had record of that account .so they do keep records.
Consumer complaint received 2019-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

On XX/XX/2016, I was involved in a car accident, which totaled out the vehicle. That same week, I contacted West-lake Financial, and submitted a claim to them to let them know what happened. My Insurance was handling the claim to pay out the value of the vehicle, and because I was paying for Gap Coverage, they would handle the rest. West-Lake financial picked up the Vehicle before my Insurance Company could send them the payment for the value of the car. This was also labeled as an Repo on my credit report, which in fact it was not.

I have been on the phone with West lake several times, with no cooperation what so ever. My insurance company claimed that, because they picked up the car, they were supposed to contact them for payment of the value of the vehicle, and they did not.This is severely impacting my credit report, and i just need for this to be resolved.
Consumer complaint received 2023-06-13
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. (GA)

Hello, my name is XXXX XXXX XXXX XXXX. I am writing today to resolve an issue that has caused damage to me financially and reputation wise. EXPERIAN claims to have verified an account named XXXX XXXX XXXX is accurately reporting to my consumer report as of XX/XX/XXXX. This is impossible because the account STILL has a date last active of XX/XX/XXXX reporting on EXPERIAN and a date last active of XXXX  reporting on XXXX. My consumer report is my life and EXPERIAN has been purposely damaging me and it has to stop immediately. I have provided proof in the attached screen shots of Experians willful noncompliance which is a violation of the FCRA. I am prepared to file a civil lawsuit to rectify this matter if need be and have already filed the necessary paper work in with the federal court in the state which I reside.
Consumer complaint received 2022-07-30
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. (TX)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against XXXX and Equifax if they do not validate the account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-06-12
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX and 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
Consumer complaint received 2023-07-31
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. (WI)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , FL XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to formally notify you that I have been a victim of identity theft, and unauthorized accounts have been fraudulently opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately block and delete all accounts listed below from my credit file. 
The fraudulent accounts are as follows : XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$17000.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$29000.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$37000.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened on : XX/XX/XXXX Balance : {$9500.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX Mobility Account # : XXXX Opened on : XX/XX/XXXX Balance : {$340.00}
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry XXXX
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (VA)

I called Citibank customer service but the call wasn't answered by Citibank, it was answered by an OUTSOURCED CALL CENTER called XXXX. The website is XXXX. According to the website, XXXX employees answer the calls from home. I have reason to believe my financial information was compromised by enabling agents working for XXXX who aren't even Citibank employees to answer Citibank customer service calls which entail personal financial information from their homes. What is the security of information used by the outsourced XXXX employees? What physical security is in place in people 's homes to prevent misuse of my private information? In addition to privacy concerns, I also believe Citibank has developed this outsourcing program as part of the company 's systemic XXXX  and XXXX  to avoid paying benefits and providing job security to women and persons of XXXX who often take call center roles.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I bought a XXXX XXXX  on line for {$220.00}. The watch they send me is fake and not working, just a toy. I sent them a notice to refund my money on XX/XX/XXXX XXXX. Requested them to send me the refund authorization, They refused and offered me a partial refund of 10 %. I refused and requested to refund me the full amount. 
Then I contacted my Credit Card co and dispute the charges. Credit card co they gave me the credit. 
Later on they debited my account telling me that I have missed the opportunity to respond their inquiry in a timely manner. 
I requested them that for one month I was in XXXX and had not received their inquiry. 
I have provide all correspondence and proof of purchase with the supplier. 
Credit card co should help me to provide refund not the Fraud co and encouraging them to continue doing fraud. 
Supplier Co : XXXX Credit Card : Capital One, Account No : XXXX XXXX Case Ref : XXXX
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$8100.00}
Consumer complaint received 2023-07-31
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. (TX)

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 ( accounts- # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15U.S.C 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 then seven years. 15 U.S.C 1681s-2 n ( 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 2019-01-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (OH)

PNC misled me into believing that I was receiving a 0.25 % interest discount on my outstanding loan balance for setting up an ACH and having the monthly payment deducted automatically. On more than one occasion over the past few years ( XX/XX/XXXX through XX/XX/XXXX ) I was told that I was getting the discount. During a recent inquiry, I was told that I was not getting the discount. This occurred in XX/XX/XXXX on a call to the PNC customer service center and again on XX/XX/XXXX by XXXX XXXX in a separate call. I filed a complaint with PNC. # XXXX  on XX/XX/XXXX and was told I would get a response within 10 days. On XX/XX/XXXX I followed up with PNC because I had not received a response and I spoke with XXXX XXXX in the escalation team who set out to research the issue. I was told on XX/XX/XXXX that the contract we signed in XX/XX/XXXX was tied to a specific checking account and the ACH had to come from that account in order for me to get the discount.

So here is where I was misled. First, for background, we renewed our line of credit in XX/XX/XXXX and continued to pay down the existing balance. When the balance was XXXX, we determined that we did not need the checking account and it was closed in XX/XX/XXXX. On XX/XX/XXXX, we needed to access funds from the line of credit. I visited the PNC branch on XXXX XXXX XXXX in XXXX Ohio to inquire about the ACH and discount. I was told by the banker that an ACH from any checking account would qualify me for the discount so I set up the ACH at that visit using my current primary checking account. I trusted that the banker knew PNCs policy with regards to the discount and would not mislead me into thinking I would get the discount if I would not get it. Also, since the previous checking account was closed there was no way for me to get the discount unless we modified the existing agreement which I was not given the opportunity to do. Furthermore, I should not have been consistently lied to when I inquired about the discount.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trying to take the necessary steps to purchase a car, when pulling my credit report, I realized I had inaccurate personal information reporting on my credit report. It has been over a year that I have been trying to get all 3 reporting agencies to update my personal information so that it is no longer inaccurate. According to the 15 U.S.C 1681 ( a ) ( 4 ) law, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2019, I received an alert from XXXX  saying that my credit score had decreased and one of my account had been charged off. I immediately logged in to see what was going on because I always am up to par on my credit reports because I am trying to buy a house. Needless to say it says that XXXX XXXX XXXX XXXX has CHARGED off my account. This is absolutely in correct because my car was totaled out from a wreck and the insurance paid their portion off leaving me a small portion which I paid off before time. I always kept up to date with XXXX  XXXX on this and several representatives assured me that since I paid the balance off before time that the account would not be charged off. Well I am livid, because it made my score drop and this charge off is on my credit report. I contacted XXXX XXXX last week around XX/XX/2019 and the representative looked into it and told me he was not sure why this happened, but I would be getting something in the mail.
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (FL)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please DELETE these unknown items from my file XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EQUIFAX : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$3200.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX  XXXX Balance {$3700.00} XXXX XXXX  XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} XXXX XXXX XXXX  XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}
Consumer complaint received 2023-06-12
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. (LA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$700.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023