davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In the month of XXXX I sent a letter to XXXX XXXX Bank, where the error that was provided in my credit report was expressed, affecting me negatively. 

They contacted me letting me know that that report would be deleted from my account in the next 30 days. 

Reviewing my credit report, the other agencies that reported this account deleted it from my history, satisfactorily, but with this agency I have not yet had any kind of response, it is for this reason that I am contacting you to let you know that please I need this negative information to be deleted from my report as soon as possible. 

Thank you!
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

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

XXXX XXXX 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 2024-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (GA)

I received the federal XXXX Grant in XXXX and XXXX. The total amount I received was {$6000.00}, distributed in two disbursements : - XX/XX/XXXX : {$3700.00} - XX/XX/XXXX : {$2300.00} My XXXX XXXX XXXX is XXXX. My account number is XXXX XXXX XXXX. MOHELA is the current servicer for my XXXX  Grant. I started teaching in XXXX, but during this period, the company managing my XXXX Grant converted it to a loan, which I repaid in XXXX. Below are the payments I made : - XX/XX/XXXX : {$71.00} - XX/XX/XXXX : {$3000.00} - XX/XX/XXXX : {$71.00} - XX/XX/XXXX : {$3400.00} Proof of these payments is attached. I paid a total of {$6600.00}, which covered the entire loan amount. On XX/XX/XXXX, I received an email from XXXX XXXX confirming that the loan had been paid in full. On XX/XX/XXXX, I received another email indicating that I had paid {$550.00} in student loan interest in XXXX. These emails are also attached. 

In XXXX, I began receiving correspondence from Federal Student Aid suggesting that my loan might be reinstated as a XXXX if I was still teaching. On XX/XX/XXXX, my XXXX Grant was reinstated, and I received a check for {$6600.00}, the amount I had paid back in XXXX. However, about a year ago, I discovered that my XXXX Grant had been converted to a loan again. To my surprise, interest was calculated retroactively from XX/XX/XXXX. This retroactive interest is a violation of my borrower rights, as financial laws prohibit charging interest on funds not borrowed. The interest should have accrued only from XX/XX/XXXX, the date the loan was reinstated. Given that student loan interest rates were paused at 0 % from XX/XX/XXXX, to XX/XX/XXXX, interest should have started accruing only from XX/XX/XXXX. I intended to pay off this loan in XX/XX/XXXX but had to wait for the interest miscalculation to be corrected first. 

During this time, I contacted MOHELA numerous times and spoke with several representatives, none of whom understood my issue. My attempts to correct the interest miscalculation and pay off the loan were hindered by MOHELAs incompetence. Their failure to address the error in XXXX delayed my ability to settle the loan, resulting in growing compounded interest. If MOHELA had corrected the mistake when I initially contacted them, I would have already paid off the loan.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

VIOLATION OF 15 USC 1681s-2 section 623 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. 

1.A. Reporting information with actual knowledge of errors. Balance, payment history, Actual amout of payments, first date of delinquency. 
B, Reporting information ofter notice and confirmation of errors. Direct dispute and notification by me notifying of erreors, XXXX confirmation receipt XXXX, XXXX, XXXX XXXX.Reasonable cause to believe information is inaccurate. Attached XXXX XXXX own payment history and statement of balance owed along with copy of experian and equifax reports to demononstrate inaccurate reporting 2. A.Duty to correct and update information. With each dispute and direct notification XXXX XXXX continues to cerify information reporting correctly with evidence that is was not. 
3. Duty to provide noticeof dispute. XXXX XXXX reports previously in dispute resolved by furnisher. Dispute has never been resolved I have included their own financial history submittwed to the cfpb
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (TX)

I am writing to formally dispute the reporting of a charge-off on my credit report I have identified a charge-off associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Under IRS guidelines, a charge-off is treated as income for tax purposes. As a result, it should not be reported as a negative item on my credit report, as it is effectively considered settled debt rather than an outstanding obligation. Reporting it as a charge-off misrepresents my financial status and has a negative impact on my creditworthiness. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be accurate and not misleading. Since the charge-off reflects a settled debt that the IRS considers XXXX income, it should not be listed as a negative item on my credit report. 
I kindly request that you investigate this matter and remove the charge-off from my credit report if it is determined to be inaccurately reported. Please provide me with written confirmation of your findings and the results of your investigation within the XXXX  days required by the FCRA This is violation of my rights under 15 USC 6802
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FISERV INC. (GA)

Subject : Dispute of Inaccurate Information on TeleCheck and XXXX XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my TeleCheck and XXXX XXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : XXXX. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
XXXX. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation. 
XXXX. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
XXXX. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation. 
XXXX. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by TeleCheck and XXXX XXXX violate my rights under the following laws : 11. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
12. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

13. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information. 
XXXX. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes. 
XXXX. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my TeleCheck and XXXX XXXX. Specifically, I ask that : XXXX. TeleCheck and XXXX XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. TeleCheck and XXXX XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my TeleCheck and XXXX XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (KY)

I have a chime account I used there pay anyone feature on there account I typed in the phone number of my friend for the amount of XXXX my friend never received it, it went to a totally different person even though my friend has a chime account with that phone number on there account. This all happened on XX/XX/2024. Contacted customer service they opened a dispute # XXXX and it was closed saying no error occured when it absolutely was an error. Please help me fix this from happening I have known others this happened to so why haven't safe guards put in place to keep this error from Happening chime must benefit from this error so why fix it.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (FL)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (MN)

Debt was sold to a XXXX XXXX company, XXXX XXXX XXXX - debt was paid and still reflecting as a charge off looking as though a balance is still owed company never informed me I could dispute the charges so I ended up paying and no attempts had been made to remove this from my credit report instead it looks like a charge off and no balance have been paid.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-12
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX 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 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 and 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ID Analytics, Inc. (IL)

Upon reviewing my credit reports, Sagestream is showing a Bankruptcy that was reported fraudulently on my credit reports ( XXXX, XXXX and XXXX ). Upon receiving a letter from the United States Bankruptcy Court, clearly stating that they do not provide any information to the credit bureaus, therefore, reporting this is from a third party intel, as well as without consent of the consumer making it fraudulent.
Consumer complaint received 2024-06-12
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. (FL)

I am taking action to dispute and investigate these accounts as they are being wrongfully reported on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} for each incorrect entry. I understand that FCRA 605B mandates reporting any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THIS LATEPAYMENT ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2024-04-22
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (TX)

On XX/XX/year>, I received an email from a debt collector called TrueAccord. I have no contract with this company. They wrote me through email stating, " According to our records, you have an outstanding balance of {$860.00} with XXXX XXXX XXXX XXXX XXXX, but the original creditor is XXXX. '' I sent the debt collector a response on XX/XX/XXXX and XX/XX/year>, I let them know that I was disputing the validity of the alleged debt. I asked them for a copy of a Physical contract/agreement allegedly between TrueAccordXXXX XXXX XXXX XXXX XXXX and XXXX XXXX I let them know to limit all communication to post mail only when they have properly validated the so-called debt, they claim I owe. I never received an initial communication ( dunning letter ) from TrueAccord which means they are in direct violation of 15USC 1692g ( a ) ( b ). I just received an email out the blue, don't know how they got my email address or information. I have sent two letters to them but have not heard anything from this debt collector. The last response from them was on XXXX XXXX, again through email stating, " XXXX XXXX XXXX XXXX XXXX, original XXXX XXXX notified us of an outstanding balance you have with them. They have not provided me with proof of the physical contract/agreement to validate the debt. The account # XXXX, XXXX number is XXXX, the address is XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-02-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (NY)

The amount I was billed for was XXXX which is incorrect. I continuously called ALLY, finally spoke with a rep named XXXX from the investigation of vehicles who confirmed on XXXX XXXX approximately XXXX XXXX. She stated the damages I was charged for were in fact incorrect and the summons I was charged for would be removed as well due to them being incorrect. The rep XXXX stated she would send a new invoice with the updated amount for the up charge of the mileage being over. However ever bill I received since then has had the XXXX amount which I am not responsible for. For the entire duration of my lease with ALLY or any company I have NEVER missed a payment or been late. This is very upsetting being my credit score has been effected by this irresponsible charge of greed by ALLY. I have photos of the XXXX prior to it being returned with dates and time stamps. Hopefully the recorded line will come about with the rep telling me she in fact did NOT see any damages and would adjust a bill that I NEVER received.
Consumer complaint received 2024-06-12
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2024-06-12
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. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-06-12
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. (VA)

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.

and 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.