davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (NY)

Dear Experian, I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile. As a consumer protected by the Fair Credit Reporting Act ( FCRA ) under 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness. I urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report. accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX I'm challenging inaccurate accounts listed below. CHILD SUPPORT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm challenging inaccurate Inquiries listed below. ( XXXX XXXX XXXX  ) XXXX ( XXXX ) XXXX i have provided a federal ftc identity theft report also a police report! all the information that they ask for
Consumer complaint received 2024-10-14
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my rights to privacy and confidentiality under 15 USC 1681 151 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account with my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

It should be noted that some false information that has been mistakenly confirmed as true appears on my credit record. No changes have been made, even though I have attached proof that unequivocally demonstrates the material is false. 

The FCRA, 15 U.S.C. 1681i, requires credit reporting agencies to look into and fix inaccuracies, and this is a breach of that law. Please conduct a new investigation into this situation right away and either remove or fix the false information from my credit report.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (CA)

When I call EdFinancial Services requesting how much refund, they say that there is no refund. I am in the automatic group of XXXX XXXX XXXX settlement. I recall payments being made to XXXX. I am a XXXX XXXX recipient and should have received something. I want clarity and a formal letter setting forth how loan forgiveness was applied and why no refund. XXXX cleared though. Instead, I get transferred around. Please get me this breakout and why no refund.
Consumer complaint received 2024-09-27
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. (GA)

Subject : Dispute of Fraudulent Account Failure to Investigate Properly ( Identity Theft Report Attached ) Dear Experian, I am writing to formally dispute an account that has been inaccurately listed on my credit report. Despite a prior dispute, this matter was not properly investigated. Other credit bureaus have already deleted this fraudulent account from my report, and I request that Experian do the same. Below are the details of the fraudulent account : XXXX XXXX Account Number : # XXXX Balance : {$730.00} Original Creditor : XXXX XXXX XXXX XXXX ( Banking ) This account is a result of identity theft. I have attached an identity theft report for your review, as well as any necessary documentation to support my dispute. 

Please conduct a thorough investigation and remove this account from my credit report as soon as possible. As per the Fair Credit Reporting Act ( FCRA ), I have the right to have all fraudulent and inaccurate information removed from my credit report. I would appreciate written confirmation once the correction has been made. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-27
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. (GA)

Subject : Dispute of Fraudulent Account Failure to Investigate Properly ( Identity Theft Report Attached ) Dear Experian, I am writing to formally dispute an account that has been inaccurately listed on my credit report. Despite a prior dispute, this matter was not properly investigated. Other credit bureaus have already deleted this fraudulent account from my report, and I request that Experian do the same. Below are the details of the fraudulent account : XXXX XXXXy Account Number : # XXXX Balance : {$730.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is a result of identity theft. I have attached an identity theft report for your review, as well as any necessary documentation to support my dispute. 

Please conduct a thorough investigation and remove this account from my credit report as soon as possible. As per the Fair Credit Reporting Act ( FCRA ), I have the right to have all fraudulent and inaccurate information removed from my credit report. I would appreciate written confirmation once the correction has been made. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-27
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. (GA)

Subject : Dispute of Fraudulent Account Failure to Investigate Properly ( Identity Theft Report Attached ) Dear Experian, I am writing to formally dispute an account that has been inaccurately listed on my credit report. Despite a prior dispute, this matter was not properly investigated. Other credit bureaus have already deleted this fraudulent account from my report, and I request that Experian do the same. Below are the details of the fraudulent account : XXXX XXXX Account Number : # XXXX Balance : {$730.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) This account is a result of identity theft. I have attached an identity theft report for your review, as well as any necessary documentation to support my dispute. 

Please conduct a thorough investigation and remove this account from my credit report as soon as possible. As per the Fair Credit Reporting Act ( FCRA ), I have the right to have all fraudulent and inaccurate information removed from my credit report. I would appreciate written confirmation once the correction has been made. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-27
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. (VA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. 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 you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 2024-09-27
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. (OH)

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, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

Resources
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away 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 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I contacted Nissan motor acceptance via chat first XX/XX/year>. After going through a grueling authentication process, I asked for a supervisor.I even advised, maybe the salesman had listed something other than what was provided at the POS. XXXX just remained adamant at getting the exact authentication, regardless of providing my middle initial vs middle name. I verified what was on file, and requested it be updated as i have provided in the chat. Sure it wont be, but its on file. XXXX never answered my question directly, which was initially regarding payment options. She likes to answer questions with questions! The agent wasnt able to transfer, advised me to call in. She was most unhelpful, and replied with automated information NOT pertinent to my inquiry. She then proceeded to put me through a questionnaire for a process she knew I didnt qualify. Given how familiar she was on my account history, and that no payment had been received! Mind you, the first payment wasnt due until 45 days after purchase! The current payment is 10 days past due. Her only concern was getting the payment! XXXX gave no other relevant alternatives, and a non apology! Just un empathetic, unprofessional! I then call in, am disconnected after a 5min hold. I call back and speak with a great representative, who went above and beyond to take ownership of my concerns. I maintained wanting a supervisor. He transferred me to the escalations team, who after another excessive hold, disconnected at pick up! I wish Id never left XXXX, as nissan doesnt have favorable policies for consumers experiencing financial hardships! The customer service is terrible, I actually would love to be transferred back yo my previous finance company!! Actively seeking information if this is possible.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (IL)

I received my funds to my account XX/XX/year> I sent funds out to get product for my company the next day. I waited a week and never received anything product for my business so I put in for a recall on the funds. I received my funds back into my account XX/XX/XXXX. I went to the bank that morning to take out money because I already was behind on taking care of business for my company and was told by the branch to wait a day but also was told that I can use the atm. I use the atm machine and my account instantly had a block on it. Ive been calling and not being told to much of anything. I finally reached out to somebody XX/XX/XXXX and they told me that the check was sent out to me and I should receive it between 7 to 10 business days here it is XX/XX/XXXX and I still didnt receive any funds so today Ive been calling Citibank branch Ive been calling Citibank business and still I have been getting the runaround when it comes to the closeout check. Now all of a sudden Im just being told they dont know whats going on and every time I get on the phone with someone they proceed to hang up the phone on me and today they also was telling me that no funds will hold out for me the funds will be sent back out to the original sender and Im constantly telling you that I am the original sender that money was a reversal sent back to my account and now theyre trying to take the money that was reversed back to me and sent it to the person who sent it to me all the way back in XXXX. Im highly disappointed and confused with how Citibank has been handling me and handling my business I will highly appreciate it if someone reach back out to me as soon as possible and help me resolve this major issue that I have. Thank you The issue of the Citibank business that Im having a problem with is located at XXXX XXXX XXXX in XXXX XXXX, TX XXXX My name is XXXX XXXX Business name : XXXX XXXX  Phone number : XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing in response to a collection notice I received from your agency regarding a debt that you claim I owe. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information :.

1. The original creditor of the debt 2. The amount of the debt 3. The date the debt was incurred 4. Any documents proving that I am responsible for this debt 5. A copy of the original contract or agreement I am also requesting that you cease all collection activities until this debt has been validated. Please send me the requested information within 30 days of receiving this letter.

Sincerely,
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX chase bank restricted my account after i got an ach deposit from XXXX they sent me an email after restricting the account stating that. Ive been calling them and they been giving me the run around they told me i would have to wait 5-10 business days for the account to close and then another 7 for them to mail me out my remaining balance which is about {$700.00} in total. Now they tell me they are investigating the deposit and they wont tell me when they will release my funds or even tell me why they closed the account out, the ceos assistant called me and told me they are holding my funds in suspense and that thats all the information she can give me, with no information on when they will mail out my remaining balance in a check.
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (TX)

In the last three months from XXXX to XX/XX/year>2023 any person with my email address and account number can access my account and get all account information including my bank information and rest my password directly from login site with any verification that it is me resting password or access my account login
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (CA)

This lender did not disclose that the minimum monthly payment would NOT even keep up with finance charges. The minimum monthly payment was set too low, there was no up front explanation of this on my original loan docs and there is very little information contained within the monthly statement. The statement never shows where my monthly payment goes to, it doesn't state that my interest is actually accruing more every month because the monthly payment doesn't even cover the interest. 

Additionally, the loan started out as interest only, which I was not made aware of, and once I thew thousands of dollars at it one month, it still didn't help lower the principal.