davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-24
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. (NC)

Below I am copying the information that Experian keeps reporting, no matter how many letters or calls I have made to have this information removed and updated correctly. XXXX XXXX XXXX XXXX- Auto Loan. 
Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Each time they say updated, they change the date of last activity. This is illegal. Not one of the bureaus has sent me any information on how they verified anything. Now, since my last letters to both XXXX  and Experian, XXXX has deleted this account. I sent a follow suite letter to Experian and still not even a response. XXXX  never was able to verify or send me any information. I have been disputing the information below that is reporting inaccurately since XXXX of XXXX. I have sent letters and certified letters and all I get from Experian is updated. Updated to what? They update nothing and just type the same information over and over again. I get no responses at all from none of my letters from Experian. I get a letter or post card that states how they investigate, yet I get no proof of documentation or validation. All bureaus are not contacting the creditor to get accurate information. I mailed letters out XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting information be removed or cleared up. All the information is conflicting and no-one wants to help. I feel unvalued as a consumer, and violated. I have sent additional letters to all three bureaus as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Absolutely no updates or removal. Still reporting inaccurate information and also is causing me credit worthiness. Reports are showing derogatory debt. 

In addition to this complaint, I have another complaint in regards to Experian continuously sending an email to me stating my information on disputes have been updated, yet when I log on or follow the email link they send me, ABSOLUTLEY nothing shows up as a response or status for the disputes. Why does EXPERIAN NOT ALLOW ME TO SEE ANY OF MY DISPUTES ONLINE. I never signed up to just receive by mail. EXPERIAN doesn't even send me letters in the mail for responses of disputed information and their statuses. I specifically included in my letters, each one of the letters for over 6 months, to send me something in writing in regards to my disputes.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/year>, an XXXX  account by the username XXXX  posted a part that I had been looking for, for quite some time and I asked how much would it be to purchase it. They responded saying that it was {$330.00} with shipping and handling included, very fair price for the product, so I sent the XXXX  payment of {$330.00}. Then I received an email from the shipping company they used called XXXX XXXX XXXX, saying I needed to " insure '' the item for half the price or {$160.00} so I believed them and sent the {$160.00}. On XX/XX/year>, I was told that I needed to " insure '' my item again and pay for " stamps '', for another {$240.00}, I refused the 3rd payment and now they are refusing to ship the item, if it even exists, saying everything is completely refundable which I just can't believe. For the 3rd payment they went on about customs and how it needs stamps to go through customs and that there will be a huge delay, but when I refused and told them to just go on with the delay, they said they have to hold the package. Neither chase, XXXX, or the " company '' want to refund me so now I'm down {$490.00} for believing an instagram page that sells items with XXXX followers.
Consumer complaint received 2023-06-09
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 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 2021-07-26
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. (GA)

This is becoming a serious issue. Your company has still not followed the instructions that were clearly stated in my letters that were sent on XX/XX/2021. I demanded that you produce for me the original consumer contracts bearing my signature for that accounts that were listed in my letters through physical verification which you were required to do by federal law per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Till this day I have received NO original consumer contracts bearing my signature on it at all showing that those accounts are indeed verified and accurate. All you did was complete the disputes and said that the accounts were verified without providing the information that I demanded. As a consumer, I am completely disgusted at the fact that you have openly committed federal violations as if I don't know my rights as a consumer. This violation is grounds for immediate deletion of all accounts that were listed in my disputes. since you want to XXXX XXXX and stall with my disputes and pretend as if you clearly cant read, I'm evoking my rights as a consumer Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) ( 2 ) I demand that you remove all accounts listed in my letter because i have not given you any permission to report any accounts onto my consumer report in the first place. i have attached the first dispute dated XX/XX/2021 as evidence and my new letter dated XX/XX/2021 containing the 3 accounts that I'm demanding be removed. if you decide you want to ignore or stall with my request I will file a law suit requesting monetary relief for the damages of your inaccurate reporting as well as the clear violations you have decided to commit.
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (MD)

Speedy cash said I owe {$970.00} on a loan I never took out. The company has no record of the loan and told me someone is using their name. I delete the emails but after a couple of months it comes back. The case number is XXXX. They want me to use this email to respond : mailto : XXXX. Email sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX.
Consumer complaint received 2024-09-01
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: EQUIFAX, INC. (FL)

I recently reviewed my credit report and found unauthorized inquiries Creditor Date of inquiry XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (VA)

On XX/XX/2021, I purchased a XXXX XXXX XXXX from XXXX XXXX  of XXXX. Two days later, my husband met with the same car salesman ( XXXX ) in search of a used truck. After running his credit, it became clear that his payments would be incredibly high due to his poor credit score. Someone, either my husband or the car salesman, suggested having me as a co-signer in order to reduce the amount of the monthly payment. Please keep in mind that I was not present and did NOT provide any authorization. Allegedly, my husband told the salesman that he was interested in running the numbers IF it did not require any additional inquiries into my credit. Supposedly, the salesmen informed my husband that my credit information was already on file so there would be no need to run it again. However, this turned out to be untrue because I was unpleasantly surprised to discover 17 hard inquiries on my credit report. XXXX XXXX of XXXX refused to correct this error on their part, stating that it would be my responsibility to contact each individual bank to request an investigation. That would amount to hours of phone calls and months of waiting. I called the credit bureaus and was provided the same answer. That I would need to contact each bank individually. I did absolutely nothing wrong here. I was clearly taken advantage of and nobody is taking ownership of this wrongdoing. My credit score is very important to me. Please, can you help correct this issue.
Consumer complaint received 2021-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I made a monthly Payment of principal, interest, and additional principle prior to the monthly due date. Instead of applying the additional amount as additional principal to reduce the loan balance, the bank held the funds overnight and applied the additional sum paid as an extra monthly payment. As this was misclassified as an additional payment instead of additional principal, the bank charged me interest for the night they held the funds. I have attempted to resolve this with XXXX XXXX, a supervisor at Bank of America, and he has refused to address my concerns.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX, and Equifax are reporting XXXX XXXX XXXX as a duplicate account 7 times on my credit report! That is a clear FCRA violation and they refuse to investigate for accuracy and it's hurting my credit rating!
Consumer complaint received 2024-08-31
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. (NC)

I am writing to formally lodge a complaint regarding the handling of my credit report disputes by the major credit bureaus, including [ XXXX, Equifax, and XXXX ]. I believe that the credit bureaus did not conduct a thorough and complete investigation into the items I disputed, as required by the Fair Credit Reporting Act ( FCRA ).

After conducting my own investigation, I have gathered substantial evidence proving that the credit bureaus did not meet their obligation to investigate my disputes properly. Despite my submission of detailed information and documentation supporting my claims, the credit bureaus failed to correct the inaccuracies in my credit report. As a result, the disputed items remain on my credit report, which has caused significant and unjust harm to my credit standing.

I am requesting the immediate removal of all the disputed items from my credit report, as the credit bureaus have not fulfilled their legal duty to investigate these disputes adequately. I trust that the CFPB will take appropriate action to ensure that my rights are protected and that the credit bureaus comply with the FCRA.

Thank you for your assistance.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The following inaccurate personal information is Not and I demand it be corrected immediately : Please DELETE the following inaccurate names : XXXX XXXX XXXX XXXX XXXX Please DELETE the following inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please DELETE this inaccurate personal Information on my credit report. 


The following accurate personal information that is mine is below and should be added immediately : Please ADD the following accurate Name to my credit profile : XXXX XXXX XXXX Please ADD the following accurate Address to my credit profile : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please ADD accurate personal information to my credit profile.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$150.00} XX/XX/XXXXXX/XX/XXXX {$8400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is not my debt and this company violated multiple consumer laws, including reporting an inaccurate debt and failing to respond to my timely debt validation request. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting GAAP debt validation. I never received response from PRA in response to my GAAP request, nor did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely GAAP request. I recently disputed this with XXXX. I also disputed other debts that this company claims I owe. In response to 3 other disputes, I received credit card statements showing a completely different amount that did not at all validate or explain the amount they are reporting. In response to my dispute regarding this specific debt, PRA did not send me a single document to validate that I ever had this account, that it is my debt, or that the amount is accurate ; I did not receive a single item from PRA in response to this, other than a recent letter from them offering a settlement payoff that did not address the accuracy or validity of the debt or acknowledge that I disputed this debt. It is my belief that this is not my debt and that is perhaps why they did not attempt to respond with anything, I do not believe this is a valid debt. i do not have this account on my credit report, so I believe the original creditor also does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report. The amount in question for this account per their debt collection letter attempt to me on XX/XX/21 is XXXX
Consumer complaint received 2021-07-25
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. (AZ)

There are 3 accounts that say charge off and that is not accurate I also have one collection account that is not mine Also one account that says 30 days late which is an error
Consumer complaint received 2021-07-24
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. (LA)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) *****
Consumer complaint received 2024-09-01
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. (GA)

I reviewed my Consumer Reports and noticed that since XXXX of XXXX the account below has been reporting late payments. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to best of their ability with Maximum Accuracy. I have never been late for this account. 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 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. 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 2024-09-01
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. (KS)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies 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 ( XX/XX/XXXX- XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (FL)

I contacted Bull City in XX/XX/2021 via phone regarding a collection account I did not recognize. The collection agency representative I spoke with could not locate me in their system based on my personal information that I provided. The representative then advised she would contact her supervisor and get back to me. I never heard back. I later filed a complaint against this company and which they removed the collection account from my XXXX and XXXX  reports. They have now forced this fraudulent account onto my XXXX  report. I have notified XXXX  on multiple occasions this is not my account and is a result of fraud and they refuse to remove it.
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Mr XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed {$840.00} and {$24000.00} from my checking account. I gave them the wrong number. They would not let me change the number. I thought they would reimburse me {$24000.00} in a couple days. They said I owed them {$250.00} for some product. My money did not come back in a week. I did not give them my bank account number. They already knew it. I reported it to my bank. This transaction occurred on XX/XX/2020. The bank said it could be available on XX/XX/2020 or sooner. I spoke to my bank about the transaction. I changed my password. I was referred to you.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint to ensure that the consumer reporting agencies receive my notice of dispute regarding personal identification information. The information they have on file is inaccurate. That includes XXXX inaccurate social security numbers, multiple irrelevant and inaccurate addresses, and inaccurate names.
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (OH)

I have a debt collections with a credit card company that sold my account to a debt collector which they have sent my collection to multiple collection agencies. They have summoned me to court to try and sue me for the money that was already paid off with the credit cards insurance company my information was sold multiple times which is a violations of my HIPPA rights
Consumer complaint received 2024-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (FL)

I have reviewed my credit report, I've noticed Discover bank submitted a charge off on my credit report. It has decrease my credit rating. I have called the customer service to dispute such issue. The customer service informed me they no longer have access to my file, they have sold it to another agency.