davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

violation of FCRA VIOLATION OF METRO 2 COMPLIANCE i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNTS- # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX ACCEPTANCE NOW 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED.0
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TN)

Money stolen from my checking account. 

Regions bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Regions bank in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I have no idea what this is )
Consumer complaint received 2024-05-31
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. (NY)

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 

Furthermore, I suspect a violation of my XXXX Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the XXXX Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-31
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. (NY)

Multiple creditors are violating multiple of my rights as a consumer. I have listed them Under 15 U.S. Code 1681e ( b ) ( b ) Compliance procedures maximum possible accuracy.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1681 there are also multiple names and addresses on my report that are not mine. there must be some kind of mistake but the inaccuracies on my report are against my rights as a consumer. please block and remove all inaccuracies that I listed in my documentation attached.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PROSPERITY BANCSHARES, INC. (TX)

On Saturday, XX/XX/2022, around XXXX XXXX  we ( my husband and I ) checked into the XXXX XXXX XXXX on XXXX XXXX  XXXX, XXXX Texas XXXX. We left our bags and went back to our brother in laws house. We returned around XXXX XXXX  with our children and grandchildren. We started to give them baths ( no showers ). The manager came and knocked on the door. He stated the room below us was flooding. We allowed him to go in. He checked the shower, flushed the toilet, and left. 

Upon check out ( XX/XX/2022 ) we asked for an invoice and he refused to provide one. We called the police and they obtained an invoice for us, we saw the charge for a broken showerhead. We reached out to our bank to dispute the charges and provided pictures. Our banking institution wrote : " It's unfortunate, but they stayed there and broke the shower head which caused the damages. '' Not only did our bank fail us by remaining neutral they also condemned us by stating we did something ( broke the shower head ) that we did not.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

Money was debited from my account by a scammer through XXXX XXXX on XX/XX/XXXX. My debit card is linked to XXXX XXXX so the person was able to charge {$400.00} to my bank card. XXXX XXXX denied my claim because it looks as if I sent someone money, when in fact someone else accessed my account, changed all my two-factor authentication information ( phone numbers & email ) so I wont get any notifications while they sent the money to themselves. Since XXXX XXXX XXXX wasnt too helpful I contacted my bank Navy Federal. Navy Federal immediately sent the credit to my account, and eventually reversed it due to a SO CALLED investigation. I requested an appeal And I have been waiting for this appeal since XX/XX/XXXX. I already provided Navy Federal with screenshots showing that my XXXX factor authentication information was changed and then money was sent out to a unknown individual, but I am somehow still waiting for this investigation and my account has been negative ever since. Navy Federal continues to call me letting me know that my account will be closed if I dont clear the negative balance that isnt even my fault to begin with. I contacted them today by secure message and it seems as if the Appeal has been denied once again. HOW IS THIS LEGAL???? I filed a police report as well CASE # XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-07-04
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. (NC)

I have some late payments reported on my credit report that are still open and current this was not authorized by under law. I also noticed 4 hard inquiries that have not been removed within the two year timeframe.
Consumer complaint received 2024-05-31
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. (CA)

Hello, My complaint is with FICO after checking my credit score today. I learned it stopped from XXXX to XXXX over night my score dropped XXXX. FICO and Experian woujd not explain to me why my score dropped. I have never been late on any of my accounts! I tags great pride in protecting my credit. I am very, very stressed as to why my score dropped XXXX points with out an expansion I need answers asap from FICO and Experian. I am very upset about this new found information regarding my credit score. I check my score daily to make sure no one steals my identity or information. It appears someone has committed fraud against me. I need to get to the bottom of this asap
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

I contacted Nelnet to request a hardship deferment on XX/XX/. The agent with whom I spoke indicated that, since I had recently updated my income/tax information on Studentaid.gov, she would process my application via phone. I never received information about this. 

I called Nelnet again in late XXXX and in early XXXX and, both times, agents indicated that they would process my application. 

On XX/XX/2023, I called Nelnet again and spoke with a supervisor. She contradicted previous information I received about processing the application via phone and said I would have to file additional information to begin the application. After a long consultation with her, I decided to initiate a 12-month forbearance ( which I did via phone per the supervisor 's approval ). The supervisor said I would receive an email, within within a few minutes or possibly a few hours, confirming the forbearance. I have still not received this email. The supervisor did say she would call me today on my mobile. I was in a work meeting and missed the call. She left a voicemail but no direct contact information -- only the main Nelnet phone number. I am now on hold for " greater than 90 minutes '' during my work hours.
Beyond the contradictory information and lack of confirmation via email, I have had to wait no less than two hours and as long as three to four hours to speak with a person at Nelnet. This is unacceptable.
Consumer complaint received 2024-05-31
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. (DE)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DE XXXX I sent XXXX, Experian, and XXXX 2 letters and My FTC report asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DE XXXX. This is my only name and my only address. I have also attached my FTC report related to the incorrect Information.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2023-07-04
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. (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 Account number:XXXX  Account name : XXXX  Account XXXX Account name : XXXX  Account number : has violated my rights. Or list of inquiries 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (AZ)

On XX/XX/2022 I mailed in a form canceling a product post dated within XXXX hours of signing the form as required by AZ state law. I also notified the representative that I dealt with via text and every agent that visited my home afterward that this plan had been canceled. On XX/XX/2022 an account was opened on my credit report for XXXX without my consent, after I had already canceled the plan. No work has been done, no audits were completed and no permits were filed and yet they opened up an account in my name.
Consumer complaint received 2024-05-31
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-03
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)

Hello recently I have been seeing XXXX XXXX reported on my profile history and I thought someone added me as a tradeline. So I been calling since XXXX to get this issue handled as I got a notification from the XXXX  that my information was exposed in the data breech and also Exposed with a individual with the police department of XXXX ga They did not provide the names of the individual who had my information only a letter And telling me the steps I can take. Please remove these accounts they are both fraud.
Consumer complaint received 2024-05-31
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. (CA)

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX Credit Bureau XXXX, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, and as a result, I have been involved in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance do not belong to me, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you addressed this issue as soon as possible.

Thank you for your attention to this matter. 

Sincerely, 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
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Account Managers, Inc. (WA)

While checking my credit report a few months back, I noticed errors concerning the account for GRIMM COLL ( XXXX ). This is a violation of my rights. I contested these errors with the XXXX credit bureaus and the collector, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of XXXX XXXX. 

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( XXXX ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
15 USC 1681s-2 ( a ) ( XXXX ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.