davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (FL)

I submitted a complaint per FCRA based on the unknow of this account, asked for a reinvestigation as documentation was never provided from original creditor and both other bureaus DELETED the account from my credit report. Experian replied today with " updated '' and stated will be removed in XXXX of 2024. This is XXXX of 2024 they have allowed this inaccurate account to continue reporting and still are allowing it to report and causing me damages on my credit report. They should have to pay me for per 15 USC 1681 {$1000.00} for failing to do a proper investigation and still allowing this on my report!
Consumer complaint received 2024-09-30
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history with all ACCOUNTS and all payments were placed on Autopay. These late payments which became result as charge off that is reporting is a result on a systematic error on their end processing my payment. These was clearly a billing error made within the companies 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 asked multiple times for the late payment reported in ALL MONTHS REPORTING LATE to be removed. 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. XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX 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 and delete the late payments from my consumer reports
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NC)

My account was being used for unauthorized transactions online. I called and canceled my debit cards. Hours later multiple attempts to withdraw {$11000.00} was attempted and declined on the compromised account. I received a call from Chase JPMorgan saying my account was being hacked. I opened my account on my mobile device and seen that these attempts were being made. I began transferring all my funds to my spouses account. While still on the phone, I called Chase direct from another phone and the XXXX speak to each other over the speaker phone. Chase told me he was a fraudster and to hang up. The fraudster was able to make a {$7100.00} transfer to his account at a XXXX XXXX. Chase issued a recall and then denied my claim days later saying in a letter Mailed to my home that I was either beneficiary or the authorizer of the funds, taking XXXX accountability for allowing this to happen on an already red flagged account. Nothing should have left my account after all this activity was going on and my history shows NEVER having used, transferred anything to a XXXX XXXX or transfers in such large amounts had never been made from my account. After 31 years of banking with Chase I felt so alone and exposed to this world of hackers. I was afraid to make the most basic of transactions and the trauma got so bad I had to move all my funds to another bank fearing that the rest of what was left of my life savings would too be taken. Calls and emails unauthorized online purchases are still being sent to me daily on that compromised account. Chases fraud department was quick to complete what they said would be a XXXX investigation in under a week. I appealed the decision Chase declined it again based on the fact that at the time the hacker had gained control over my account, my facial recognition was present. I'm getting alerts and phone calls from Chase saying my account is being hacked, of course I'm going to go on my device and check. That it was they based their decision on. Even in real time with the criminals on the other end, Chase couldn't secure my account. They made away with {$7100.00}. Chase did nothing to stop it. They labeled me in the same category as the criminal, the beneficiary. My credit was effected, my home mortgage is in jeopardy and this will take years to recover from. I took what was left of my life savings to another bank. Purchases from XXXX for TV 's, Laptops, are sent to me daily from Chases red flag department but they allowed thousands without a single warning.
Consumer complaint received 2024-10-23
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. (TX)

XXXX DEBT COLLECTOR HAS SENT ME NUMEROUS EMAILS DATED XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> REQUESTING A DEBT TO BE PAID. I REQUESTED AN ACCOUNT NUMBER AND PURCHASE AGREEMENT ON XX/XX/year> FOR THE AMOUNT THAT XXXX IS PROJECTING THAT I OWE, WHICH IS {$880.00}. THEY HAVE NOT EMAILED OR MAILED AND AGREEMENT AFTER IT WAS REQUESTED. I SUBMITTED A LETTER TO THE COLLECTION AGENCY ON XX/XX/year> AND HAVE NOT RECEIVED A RESPONSE SINCE.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 692 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-23
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. (MD)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 # XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-10-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (PA)

In XXXX of XXXX I received an email from XXXX XXXX explaining that my Student Loans were discharged under the Borrowers defense plan. I was told that within XXXX days the loans would be discharge and I would be entitled to a refund for all Payments that were made during the life of the loans. It is now almost XXXX and no action has been taken on the Loans, and when I call the Servicer ( Nelnet ) and the XXXX XXXX XXXX I am told there is no set time frame on how long the discharge will take which is completely unacceptable and I need my loans discharged and my money refunded I am a Senior citizen
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (TX)

I have ( had ) a money market account with PNC Bank that was an account I was not going to be using. When the bank moved from Compass to PNC, I asked them if it would be a problem to keep it without use in their bank, as with Compass, I did not have that problem. They assured me it was not an issue with them as well, and my money would be secure and making small interest ... Come XXXX, when I received and was looking at my bank statement, I see that my balance says XXXX with a deduction of XXXX. Escheat closing... I immediately called the bank, and they told me that due to me not using the account, it was closed. I explained that this was not going to be a used account. I received no help from the phone person ( XXXX ), who only gave me a number to call, when I did call it says they do not have to mail a letter. Getting no help or call back from the number given to me. I Went to the bank, asked why I never received a letter telling me I could possibly loose the account if I did not go in. They had no good answer and I have been getting the run around from them there. I was told I had to contact the state ( they now have my money ). They have not tried to help me. I need to know who to contact. Or what to do, where to go to get my money back. This is just not right that I have to chase my money around.
Consumer complaint received 2024-10-23
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. (FL)

I am writing to formally request the immediate deletion of the following account from my credit report due to violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ). The account in question is : Account Number : XXXX Creditor : XXXX XXXX XXXX Upon reviewing the details of this account, I have identified the following violations : Failure to Validate the Debt : I requested validation of the alleged debt on XX/XX/2024, and XXXX XXXX XXXX failed to respond or provide proper validation within the 30-day statutory period, as required by the FDCPA. 

Reporting Inaccurate Information : The information being reported by Experian is inaccurate and does not reflect any legitimate debt obligation. I dispute this account and request that it be removed from my credit report immediately. 

Lack of Signed Contract : I have never signed a contract or agreement with XXXX XXXX XXXX, and no proof of such a contract has been provided. The debt collectors attempt to collect this debt and report it to credit agencies without such proof violates my consumer rights. 

Due to these violations, I am requesting the immediate removal of this account from my credit report and cessation of all collection activities related to this matter. Continuing to report or attempt to collect on this debt without validation or accurate reporting is in violation of federal law. 

I trust that you will take the necessary steps to investigate and resolve this matter promptly. Please confirm in writing that this account has been deleted from my credit report. 

Thank you for your attention to this urgent matter. If this issue is not resolved promptly, I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. 

Sincerely, XXXX
Consumer complaint received 2024-10-23
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. (GA)

EXPERIAN AND XXXX ARE REPORTING INACCURATE INFORMATION. I EMPLOY THEM TO FILLOW SUIT AS XXXX HAVE ALREADY REMOVED THESE ACCOUNTS.
Consumer complaint received 2023-04-14
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. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KS)

My student loan balance with XXXX was transferred to XXXX in XXXX of 2024. On XX/XX/year> I noticed that my student loan balance was showing with XXXX but also with XXXX causing my debt to be double the amount on my credit report. XXXX I submitted a dispute with all three credit bureaus for the inaccurate balance on my XXXX student loan. I attached the copy of the balance report showing XXXX balance from XXXX with my dispute. On XX/XX/year>, I received notification from the credit bureaus stating my balance of {$130000.00} was accurate with XXXX and that I made at {$720.00} payment in XXXX ( which I did not ). On XX/XX/year>, I called XXXX which they again confirmed my XXXX balance.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc (NC)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have previously attempted to resolve these violations through direct communication with the company. As these infractions persist and clearly violate my legal rights, I am entitled to statutory damages of {$1000.00} per each documented violation listed above. The company must either provide appropriate compensation for these violations or immediately terminate and remove these accounts. Prompt action is required to address these matters.
Consumer complaint received 2024-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (CA)

I received a letter dated XXXX, 2024 from Mr. Cooper. They said the my current home owners inusrance does not meet their acceptable coverage standards. This is frustrating because Mr. Cooper purchased this loan... I did not initially choose them as my mortgage company. They said I would need to provide them with a new policy in order to avoid the placement of temporary coverage on the property. 

Oddly, I received an email on XX/XX/year> from Mr. Cooper that states, " We've teamed up with XXXX '' and they are offering me a home insurance quote. 

I feel like they are colluding with XXXX and are forcing me to drop my current insurance and join what they recommend.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Reference no : XXXX Wells Fargo is purposely reversing claims after the accounts have been closed and the issue was resolved. XXXX XXXX charged an annual fee for {$100.00} after my laptop had just been purchased after 2 weeks. This transaction occurred through my XXXX account. 

The claim was filed on XXXX. I am no longer affiliated with Wells Fargo. This is the second reversed claim that Ive received after leaving the bank. 

This bank should be investigated for its practices.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meade & Associates, Inc. (OH)

Every single day, multiple times a day I receive a phone call from XXXX XXXX XXXX from XXXX. I have yet to have a single representative properly identify themselves, they claim I owe an unknown debt amount, from an unknown company. I advised I have no idea what they are referring to, that I'm not refusing to pay, I'm just unaware.

They had my personal information and I requested that they send me something in writing that details their allegation. It has been weeks and I have not received anything, yet this company continues to call me. I want this company to immediately cease and desist all forms of contact with me, my employer, my relatives and friends.

Thank you.