davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
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: Experian Information Solutions Inc. (NJ)

I have asked experian to investigate some inaccuracies on my credit profile, however they told me it is all accurate. I have further decided to exercise my rights and have asked them to prove their investigation and comply with the following requests under the FCRA, 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ) : I demand that Experian provides all necessary communications conducted in order to verify the accuracy of the accounts listed below. This should include the date of communication, the person you spoke to at the debtor 's office, all communication furnished by the debtor, the contract signed under my name, and the authorization to report this on my credit report. Please ensure that all this information was collected after I initially raised my concerns. 

I request that Experian demonstrates that all the timelines align with the date you informed me that the accounts are indeed accurate and that a thorough investigation was conducted. 

I insist that Experian sends all of the aforementioned information to my address on file within the next 15 days of receiving this certified mail. If Experian can not furnish the requested information, I demand that all accounts mentioned below be removed from my credit profile immediately. 

Here are the accounts in question : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX I also request that Experian sends me an updated copy of my credit report or the findings of your thorough investigation, reflecting the necessary corrections in accordance with the FCRA. Timely resolution of these issues is crucial to my financial well-being.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MD)

I had a XXXX XXXX Account opened in XXXX and the last time used my account before I closed it was XXXX XXXX. My account was paid in full at the XXXX XXXX in VA in full. XXXX reported my account to the credit reporting agency as paid in full. I checked out my credit reports in XXXX of this year and XXXX have my report showing negative information. I called XXXX XXXX Department to rectify this issue and they stated that will update my credit reports with the correct information.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 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 2016-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Roundpoint took the XXXX 2016 mortgage payment from my account even though it transferred the loan to another servicer in XXXX. When I realized this had happened, I called to ask. They have been saying for 3 weeks that the payment is on its way to the new servicer, but the new servicer had not received the payment as of XXXX XXXX. I requested some sort of control/wire/transaction number to proof that they had sent out the payment and were not just sitting on it, but they have refused to provide any proof. Their only response is to keep waiting ( even though it 's been 3 weeks and they think it 's believable that mail takes this long within the US ). Given this company 's terrible reputation, I 'm very concerned that I might lose my money or not see it again in months. Please help me.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Experian Please delete the following accounts. 

XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX
Consumer complaint received 2018-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MN)

This private student loan is listed as " charged off '' on my credit report, but is no longer held by XXXX XXXX. It was apparently sold by XXXX XXXX to Navient. Navient claims they sold it to a third party and have no records since XX/XX/2008. I can't figure out who has it.
Consumer complaint received 2023-10-14
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected this account XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2018-10-19
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)

I Have been disputing this account named XXXX XXXX for some months now, i inform all the credit bureaus that the account don't belong to me and that it was a result of identity theft but they keep update the account instead of removing it from my report.
Consumer complaint received 2018-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc. (NV)

In accordance with the fair debt collection practices act I requested from XXXX XXXX who is reporting on all 3 credit reporting agencies that I owe {$4800.00} and has been charged off, on XX/XX/2018 and was received by them on XX/XX/2018 via certified mail tracking number XXXX with return receipt a validation. I requested competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I asked that they respond in 30 days. I received a letter on XX/XX/2018 saying " as requested we'er enclosing a copy of your billing statements. Also, I received a letter from a company called Client Services a settlement offer to pay {$970.00}. I have no knowledge of this company or why they are sending me anything they are not reported anywhere on my credit reports. 

On XX/XX/2018 I sent a second letter to XXXXXXXX XXXX that was received by them on XX/XX/2018 by certified mail tracking number XXXX with return receipt. I asked them to send me validation of competent evidence bearing my signature that I have a contractual obligation to pay them. I let them know this is a final goodwill attempt to clear up this matter. Yet again I did not receive any response from XXXX XXXX  concerning my request. I received a second letter from Client Services with a new offer to pay them {$480.00} to settle my debt with XXXXXXXX XXXX. Again I have no knowledge of this company ( Client Service ) they are not a creditor and I have not entered into an installment account or opened an agreement with this company. Client Services are not reporting on any of the three credit agencies. Also, XXXXXXXX XXXX never marked that am disputing this account with any of the credit reporting agencies. Their willful non-compliance is a violation of the Fair Debt Collection Practices Act Sect 807-8 and the Fair Credit Reporting Act Sect 623-B and also the Nevada Revised Statutes 598C.160 Duties of Reporting agency. Since XXXX is in violation I would request that this account be deleted from the credit reporting agencies. I have done my due diligence to resolve this matter with no response from XXXX.
Consumer complaint received 2023-10-15
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)

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, 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 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 2023-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX please delete this item XXXX XXXX XXXX please delete this item I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to Provide that proof, or if lacking proof of these payments being late. please update my_ payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws
Consumer complaint received 2018-10-19
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: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from American Express on XX/XX/XXXX and XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX I was pulled over by the Sheriff 's Department and I was held in jail until XX/XX/XXXX. The gentleman I was arrested with got out of jail a few days after XX/XX/XXXX. He obtained my information, debit card, my phone, and all other personal effects of mine. After he received this information and items he then decided to use my bank card to shop at various retailers including debiting out cash. 
The following are transactions in which he used my debit card. 
XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX transfer/debit {$350.00} XX/XX/XXXX debit purchase XXXX XX/XX/XXXX debit purchase XXXX XX/XX/XXXX debit purchase XXXX XX/XX/XXXX debit purchase XXXX XX/XX/XXXX debit purchase. XXXX XX/XX/XXXX debit card recovery XXXX XX/XX/XXXX. Atm XXXX XX/XX/XXXX atm XXXX XX/XX/XXXX atm XXXX XX/XX/XXXX XXXX NSF fee item return. 

Over XXXX taken from me. 
Upon my release from jail on the evening of XX/XX/XXXX I immediately notified the bank, usaa, and informed them that these transactions were not authorized nor did I have knowledge of them. I explained that I had been incarcerated and that this man has my wallet, my personal information, as well as my cell phone and keys to my home. The bank refunded several of these transactions, only to debit them back out of my account a few days later. There is even one of the debit or transactions was a XXXX transfer from my account into this man 's account. This shows were he used my name, he signed my name. He took my identifying information that he had no right to do. They could not in any way shape or form explain their reasoning behind my account not being credited with all the transactions not authorized by me or done by me. I sent proof of all of my dates of incarceration and all other information they needed including my id. I spoke with them on a daily basis and was never able to resolve this with them. I called them at least twice a day for 3 weeks. I am XXXX and get a small social security check each month and what I was arrested for was unfounded and dropped not that has anything to do with my banking however what I went through in jail and then coming out to find that your only income was taken is beyond words.
Consumer complaint received 2018-10-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Allied Collection Services, Inc. (Nevada) (VA)

Some debt collectors harassed my disturbed peace by calling my number and ask for someone to speak. I suspect that they are getting or collecting insider information from cfpb reference number XXXX. I am not at liberty to tell my findings on the murder for hire or retaliatory punishment ring which is getting check from US government, states or companies against the rules and regulations of the OMB. As a matter of fact, I am not submitting this complaint against cfpb., but I am not afraid to speak up. You know what I mean?
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (TX)

Received contact in regards to a debt that was 9 or 10 years old. Attempting to collect and threatening legal action against me. Stating needed to resolve within 72 hours not giving enough time when I have had no original information on the threat. Not giving reasonable or affordable options. At one point was homeless after getting separated from the military. So is a debt that was many years ago and haven't received any notification in years and just now threatening wage garnishment
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am unable to secure housing ( rental ) due to 2019 'eviction ' appearing on TransUnion report. The eviction record does not include the final judgement, dates of filing and settlement, or settlement amount. I was never evicted from the home, I did not give authorization for these court filings to be released and the inaccurate information has caused me to be denied housing for my family.
Consumer complaint received 2018-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION (GA)

On XX/XX/2018, XXXX XXXX XXXXXXXX  XXXX. charged an OVERDRAFT FEE of {$120.00} On XX/XX/2018, XXXX XXXX XXXX  XXXX. charged an OVERDRAFT FEE of XXXX This is my 3rd Complaint against XXXX XXXX XXXX  XXXX. ( " Zion '' ). Thus far, in settlement of disputes, they have refunded {$190.00} ( on XX/XX/2018 ) without altering their conduct in the slightest. 

I respectfully petition for reimbursement in the amount of {$190.00} along with treble damages ( in the amount of {$570.00} ) for willful and deliberate malice and/or gross negligence tantamount to malice by Zion 's Bank in continuing to charge the undersigned OVERDRAFT FEES by deliberately and willfully and/or via gross negligence approving transactions most likely to earn Zion profits though this unethical and unlawful practice ( i.e. " stacking '' ). 

Bank statements and e-notices enclosed will demonstrate that Zion has charged OVERDRAFT fees of {$32.00} for transaction amounting to less than {$6.00} which, to the undersigned, is dispositive of criminal/grossly negligent conduct. 

I respectfully reiterate my prayer for damages in the amount of {$760.00} ; and, an injunction/agreement to IMMEDIATELY CEASE AND DESIST from STACKING and other unethical/unlawful practices. 

Yours truly, XXXX XXXX XXXX, XXXX. 
XXXX  XXXX XXXX
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (IN)

XXXX XXXX, of XXXX XXXX XXXX, XXXX, Indiana XXXX was charged an additional year 's mortgage payments for his home. The home was purchased in XXXX with a XXXX mortgage and should have been paid in full in XXXX. This did not happened, he was charged for an additional XXXX for this error that was made. In XXXX XXXX he owed XXXX, a check was sent for XXXX which is the regular scheduled payment. They refused to apply the check to the final mortgage payment and stataed the money was applied to interest fees.