davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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. (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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 informationisinaccurate.

Please remove these Inquiries from my credit report.

These inquiriesarelisted :
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was reviewing my credit report and found numerous errors relating to student loan late payment history. The credit report agency has the responsibility to report accurate information. During the government shut down aka the PANDEMIC XXXX late payments and collection status was placed on each U.S DEPARTMENT OF EDUCATION LOAN ACCOUNTS ... AS THIS REPORTING NOT ONLY INACCURATE BUT ILLEGAL. XXXX LOAN PAYMENTS WAS PLACED ON PAUSED DURING THE PANDEMIC XXXX LOAN PAYMENTS RESUMED IN THE FALL OF XXXX 
If you click on my XXXX loan payment history it shows late payment and collection status was inaccurately reported during that period. 
I've contacted each credit bureau, filed multiple complain reports, and they neglected my concerns. I also sent certified letter to Experian on XX/XX/XXXX. I was told they never received it, I will attached the certified receipt below.

I also contacted the US DEPARTMENT OF EDUCATION and I was told they did not report any late payment on student loans during the PANDEMIC. 

EXPERIAN XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX will not remove XXXX inquiries off my credit report, I've removed my fraud alerts so I can establish credit, but they will not respond to remove XXXX inquiries off my account, please forward complaints to corporate office and XXXX, alone with XXXX XXXX, and the attorney general office of there state, complaints filed to fcra
Consumer complaint received 2024-07-11
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: Skopos Financial, LLC (TX)

Skopos Financial is reporting a late payment on my account for XX/XX/XXXX. That is incorrect. I was approved for an extension which covered XX/XX/XXXX and XX/XX/XXXX. So payment could not have been late for XX/XX/XXXX since extension was in effect. After multiple attempts to figure out why they reported late. I spoke to representative which then told me it was from XX/XX/XXXX payment that was reported. That as well is incorrect. Payment was made 4 days after the due date which i have a grace period to do so. Representative agreed. He said it was reported in error and that i had to dispute it with the credit bureaus to get corrected. He also stated that they would credit the late fee charge that was applied to my account since that was a billing error. I asked if they could correct it on their side since it was their error. He said they couldnt. But that he could provide me with a transaction history to prove my payments were made accurately. I have not received that transaction history. This has been very frustrating because this is severely hurting my credit score. i continue to contact skopos to try to get it resolved and they have been no help other than apologizing on their behalf for their error.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

XX/XX/year> Was the 1st attempt of requesting the removal of public information reporting inaccurately which is in direct violation of 15 US CODE:1681 1 ( I ) 5, 15 USC 1681e , 15 USC 1681a4 , 15usc 1681n Company : XXXX Experian XXXX Despite multiple disputes, phone calls and certified mail-along with a letter from the clerk of court requesting the removal of these three public records reporting inaccurately. XXXX along with Experian and XXXX have continually ignored my request. This is a clear violation of my rights under 15 USC 1681a ( 4 ), which mandates the need for consumer reporting agencies to ensure the maximum accuracy of information in consumer reports. I have provided all necessary documentation, and I am extremely dissatisfied with the lack of response and resolution. I am attaching all relevant information for your review and assistance in resolving this matter.
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (IN)

My mortgage was sold XX/XX/XXXX. I made a payment on XX/XX/XXXX and received a confirmation number from Newrez. Money was not taken out of my account after many days. Called company and was advised not to worry. Went online and said my payment was posted on XX/XX/year> and next normal bill was due on XXXX. Now on approx XXXX I get a bill stating due date was XX/XX/XXXX and account is two months behind. Extremely upset. I called Newrez and they are telling me that I put in the wrong bank account info and it never went thru. I feel it didnt go thru because of the transfer and not an error I caused. Was belittled by customer service not accepting any responsibility and now am worried this will affect my credit. I never had an issue with my previous mortgage company. Awful customer service
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

[ XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX XXXX ] [ XXXX XXXX, Ca, XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX, MA XXXX Re : Dispute of Charge-Off on Credit Report Account Number : [ Your Account Number ] To Whom It May Concern, I am writing to formally dispute the charge-off on my credit report related to my account with XXXX XXXX XXXX XXXX XXXX This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Consumer Financial Protection Bureaus ( CFPB ) Regulation F, 12 CFR 1006.34 ( b ) ( 5 ). 

Upon reviewing my credit report, I noticed that the charge-off listed for my account with XXXX XXXX XXXX XXXX is inaccurate and requires correction. I am requesting that you investigate this matter and provide verification of the debt and its validity as required by the FCRA.

Fair Credit Reporting Act, 15 USC 1681 Under the FCRA, you are required to ensure the information reported to credit bureaus is accurate and complete. Specifically, 15 USC 1681i ( a ) mandates that upon receiving notice of a dispute, you must conduct a reasonable investigation to determine whether the disputed information is accurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ).

Consumer Financial Protection Bureau Regulation F, 12 CFR 1006.34 ( b ) ( 5 ) As per Regulation F, 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are required to provide specific information about the debt they are attempting to collect. This includes the name of the creditor to whom the debt is currently owed, the account number, and an itemized statement detailing the amount of the debt. 

Given these requirements, I request that you provide the following : XXXX. Documentation and verification of the charge-off amount, including an itemized statement. 
XXXX. Evidence that the debt is valid and accurately reported. 
XXXX. The original agreement or contract that created the debt. 

If you can not provide sufficient evidence that verifies the validity and accuracy of this charge-off, I request that you promptly remove it from my credit report. 

Please respond to this dispute within the time frame required by law. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, [ Your Name ] Feel free to customize this letter further to suit your specific situation.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (AL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a Section 2 consumer reporting agency can not furnish an account without my written instruction ; 15 USC 1666b 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( CCB/ZALES ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( CCB/ZALES ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

My account with NAVY FCU was never late! I have had exceptional payment history with NAVY FCU and 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 reported in XX/XX/XXXX to XX/XX/XXXX 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. 


NAVY FCU 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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-26
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :
Consumer complaint received 2019-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION (TX)

Over the course off the last 12 months XXXX has applied numerous invalid fees and charges ranging from fraudulent transactions to hidden fees. In all a total of {$4000.00} in these charges have been added to statements. I notified the company in XX/XX/XXXX that we would suspend all payments until the incorrect billing was fixed. The company failed to address the matter and suspended the account. The company are claiming we owe a total of {$8300.00}. I had initially agreed that of the {$8300.00}, {$4200.00} was legitimate fuel usage and offered to pay this amount providing they could provide a correct statement reflecting this. I spoke with XXXX XXXX who refused to look into the matter and threatened collection if we did not pay the balance. She then offered a 20 % discount to which I declined. I advised her we did not need a discount but only to be billed correctly.
Consumer complaint received 2024-08-26
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. (AL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX XXXX 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 XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MN)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

XX/XX/2020 deposit of {$18000.00}. I received a letter stating that I put {$1800.00}. XXXX XXXX I received a letter from Wells Fargo Bank stating what happed and the corrections of {$16000.00} was made. The full amount was made and deposited in checking account ending in XXXX. I was using checking account ending in XXXX. Each time there was a transfer it cost me {$35.00} and there were plenty. Also Wells Fargo would transfer an amount from account ending with XXXX into account ending in XXXX and would show as a withdrawal. That was a deposit into acct XXXX which would have been added money. Wells Fargo showed that as withdrawal in acct ending in XXXX meaning spent money. A subtraction. XX/XX/2020 {$1000.00} and XX/XX/2020 XXXX as deduction.. Also XX/XX/2020 {$600.00} ups money order to XXXX west XXXX XXXX unknown. There are a few others found. I am not sure of this statement because I paid othe bills
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 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 Sections 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 2024-08-27
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: Experian Information Solutions Inc. (MO)

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmerAssist A/R Solutions, Inc. (WY)

I settled the total amount and had a payment arrangement for approximately 50 % of the total owed. I paid {$100.00} through the phone with them as an initial payment and then my debt was transferred to another debt collector. The new debt collector does not show any payments were made. After multiple phone calls to AmerassisXXXX, the old debt collector, they finally found my account and the payment I made. Amerassist has agreed to refund me the {$100.00} payment but they have yet to do so.