davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX
Consumer complaint received 2024-09-03
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)

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Experian is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by Experian on my accounts that lingered old accounts way past its statute of  limitations. Experian is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with Experian has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to Experian many times but received nothing in return. Experian needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.
Consumer complaint received 2022-10-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

LVNV funding is trying to collect a debt that they can not validate as mine. They refuse to provide bill of the original creditor explaining how they came up with the amount they claim owed etc and are reporting the account as open when it is closed meaning inaccurate information to XXXX and XXXX. They also have not provided any copies of Contracts showing the original Debt they bought as mine to begin with and are trying to collect on a debt that is unverifiable and inaccurate. The credit amount owed is incorrect and has not been validated. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

On X/X/2017, I made a payment to my Bank of America credit card. It did not show as pending and I received no confirmation, so I took it to be not processed. I made another payment and lo and behold, two payments for $ 9000+ were debited from my account!! They were taken out on XXXX. Today is X/XX/2017 and I have yet to receive a refund!! I have called every day and am always given some excuse - I had to wait three business days before they could register a claim, that it can then take an additional 5-10 business days for the refund, the Patriot Act ( this was from XXXX in the West Virginia call center today and I asked him that it takes two weeks due to the Patriot Act? No response ). I have been told three times that I should expect to receive the refund Saturday or today. Nope, nothing as yet. It is interesting that a bank will take your money in a matter of seconds but can not explain why it takes two weeks to return an error. XXXX told me the refund was approved today!!!!!!!!!! You can not make it up and I am just appalled that banks can sit on a {$9000.00} refund with no repercussion to them for acting so unethically and unprofessionally ... ... ... ... ... ...
Consumer complaint received 2024-07-25
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: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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 2017-08-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (AZ)

Ford has been reporting me 30 days late when I am not 30 days late. They are in violation of the FCRA and they will not fix the issue. Nobody there will help nor do they know what they are doing. I make my payments every single month so how can I have random 30 day late payments!!? If they claim I am in fact 30 days late then they need to prove to me that I am. I have contacted an attorney who handles this type of law and the next correspondence will be from him. Its like these creditors can do whatever they want and say whatever they want and nobody makes them responsible. Why is n't the CFPB investigating them? I see many of these same complaints! They are affecting my financing and affecting my credit picture with this inaccurate reporting.
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (AZ)

I 've had a Chase credit card for a few years, never late. I opened a checking account 2 days ago and they now have closed the checking account and my credit card account. They did this a few years ago too. I can get to answers as to why. I have not defaulted, I have not deposited cash, I am not money laundering or gambling or overdrafting or anything else. I have 2 other checking accounts but there is a Chase close by so for ATM purposes it would have saved me . It was fine that they closed my checking, I had never had the chance to even use it but to close my credit card too ... rude. Please help, it 's been years and I 'm blacklisted by Chase and can get zero answers from the company ... only that they have the right to close my account ( s ) with no explaination.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I reviewed my credit report and XXXX has listed my XXXX payment as delinquent. My payment due date is the XXXX of each month and my XXXX payment was submitted on XXXX XXXX. It was not past due as indicated on my credit report.
Consumer complaint received 2017-08-13
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: Consumer Portfolio Services, Inc. (NC)

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Consumer complaint received 2017-08-15
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. (CA)

I have been with XXXX for a long time and overall it 's been a great bank. Very good in most occasions. But I 've had some issues with fraud over the last year, particularly with people getting access to my credit report to open accounts without my authorization. I 've had some of the fraudulent inquiries removed from my reports but not all.
There are XXXX inquiries - on X/X/16 and X/X/16 - which I do not recognize and for which no corresponding account was opened by me. It 's not as huge a deal as opening a fraud account or letting someone use my accounts ( XXXX, XXXX XXXX ), but it hurts my credit score to have lots of inquiries that do n't belong to me and were not authorized.
I 'd like to have them removed.
Consumer complaint received 2017-08-14
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. (VA)

I have made numerous complaints to XXXX XXXX XXXX concerning the following account XXXX. XXXX XXXX has refused to accurately report the above mentioned tradelines on my Equifax Credit Report I requested to speak to a representative in the Credit Reporting and Bankruptcy Department and was told by XXXX in customer service that she couldnt transfer me to the anyone to speak to about my situation. I explained to her the way the account was being reported was incorrect. She said that it was acceptable to report the repossession status in conjunction with the bankruptcy. I informed her that the reporting was incorrect and that it was considered to be continued " collection '' activity and that it violated my rights under bankruptcy protection. I am demanding XXXX XXXX XXXX to delete this account or will escalate my case to the higher authority or pursue other legal remedy.
Consumer complaint received 2022-10-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

This irritates me! I've already spent months sending disputes and filing complaints, but I'm not seeing any results from them. This is causing me a lot of pain and stress.
Consumer complaint received 2017-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

I have a private loan originally taken out with XXXX XXXX. Navient is now servicing the loan. My original loan amount was {$25000.00}. It has since doubled. I was in default and they offered me a loan payoff of 85 % at the time. I did not have that amount of money at one time. Keep in mind they offered me this when I was in default. I worked out a payment plan with them to catch up on my payments and bring me out of default. This was a 1 year plan when the plan expired. I called back again to keep the plan or work out another payment options which they did. I asked if the one time payoff was still available. They said no because I was current and not in default. I said so your saying if I am in default you offer the one time payment discount but if I am current you do not. They said that is correct. I called again today and asked if they would offer a one time payoff discount and they said no because I am current and not in default. I reiterated again. So you will not work with me for a one time pay off because I am current on my loan. They said that is correct. Have a good day bye bye. I understand I owe the amount I borrowed. I just want someone to work with me to offer me the one time payoff discount that was originally offered. By the way is still {$15000.00} more than what I borrowed for a total of approx. {$37000.00}. Which is what the guy offered and agreed to today before he abruptly changed his mind when he saw I was current on my payments.
Consumer complaint received 2017-08-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I had a {$5000.00} line of credit with Santander Bank. I never used it and canceled the credit line long ago. Santander continues to bill me for fees, for interest on the fees, and other charges that I do not owe. I reported this to their fraud department three weeks ago. The fraud department said they would close the line of credit. They never did and I get dunning letters and calls almost every day. I have explained the situation about a dozen times, and each person says they will take care of it, and they never do.
Consumer complaint received 2022-10-26
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. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlas Credit Company, Inc. (GA)

I was harassed by what I am assuming was the debt collector lady. She would repeatedly call my phone, aggressively beat at my door, and continuously sit outside of my house. I attempted to call in and come to an agreement so that i could pay the loan in full, but any time they got me on the phone I would experience complete aggression and disrespect. I was too afraid to go into the store because of the stalking and intimidation I was experiencing. If needed I can obtain witness statements from other Adults living in the house at the time.
Consumer complaint received 2017-08-13
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: DISCOVER BANK (NC)

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is  verified, but I do not know nothing about this company and has asked it be removed several times.
Consumer complaint received 2017-08-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TX)

TRUEACCORD SENT ME AN EMAIL STATING THAT I COULD PAY MY DEBT TO THEM. I HAVE NEVER BORROWED MONEY FROM TRUEACCORD, NOR DO I OWE THEM MONEY.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (VA)

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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2017-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery another XXXX agency like XXXX and others who have been fined millions, probably the same, XXXX XXXX XXXX XXXX, is charging me for a debt I do n't even know about. The bank is not even in existence. How can you charge on a debt from a bank that does n't exist? I want this {$500.00} and something removed from my credit report, all credit reporting agencies.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports