davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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: CITIBANK, N.A. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CITI, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is a direct contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Information Practices Act, and identity fraud laws, specifically Missouri Revised Statutes Section 570.020. 

It has come to my attention that CITI has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the Missouri Information Practices Act, provides protections for consumers against unauthorized disclosure of personal information. Furthermore, identity fraud laws, such as Missouri Revised Statutes Section XXXX, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CITI to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CITI immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Information Practices Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CITI will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation (TX)

On XX/XX/XXXX I had emergency XXXX and was not able to work. I was released from the hospital on XX/XX/XXXX and started receiving long-term XXXX payments. I informed Regional Finance located on XXXX XXXX XXXX. XXXX, Texas XXXX of this situation and provided them with XXXX paper work to verify my condition. I had XXXX  coverage on my loan and they refused to use that coverage to make my monthly payments. Instead the supervisor XXXX XXXX forced me to refinance the loan on XX/XX/XXXX so any missed payments would be put on the back end of the loan. 
I was a told the XXXX payments would take affect with the new loan. Since the new loan has been in affect Regional Finance has been calling me inquiring about my payment of {$140.00}. I asked about the XXXX coverage and I was told that it was not on the new loan. XXXX XXXX the supervisor forced me to refinance the loan to cover the payments during my illness purposefully omitted the XXXX coverage so my payments would go unpaid. This has caused me a tremendous amount of stress by them violating my consumer rights and I want resolution and consideration in this matter. I do not want my credit file impacted by them reporting negatively without my permission and if any negative information has been reported I want that information removed from all three credit bureaus and secondary bureaus as well. I asked Regional Fiance to give me time as I recovered from XXXX and they only caused me more stress and anguish by using switch and bait tactics on me to sign a document that should not have been drafted. 
Attached is a copy of the loan document that was signed eletroncially while I was under doctors care during my XXXX.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or repaired immediately. 

XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-06-14
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)

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, Account # XXXX, and under the account name XXXX XXXX XXXX, has violated my rights on multiple fronts. FCRA Section 602A mandates that consumer reporting agencies must ensure the accuracy of the information they collect, maintain, and report about consumers. However, XXXX XXXX XXXX has failed to comply with this requirement, resulting in misleading and inaccurate information being furnished to creditors and other entities. 

Moreover, under FCRA Section 605B, consumer reporting agencies are strictly prohibited from including medical information in a consumer 's credit report without the consumer 's consent or unless required by law. Despite this safeguard, XXXX XXXX XXXX has included sensitive medical information in my credit report without any legal basis or my permission. This unauthorized disclosure of medical details not only violates my privacy rights but also undermines the fairness and accuracy of my credit report. 

Additionally, under Section 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors such as XXXX XXXX XXXX must cease collection efforts until they provide verification of the debt upon the consumer 's request. Despite my repeated requests for validation of the debt they claim I owe, XXXX XXXX XXXX has continued aggressive collection actions without providing any satisfactory verification. 

These egregious actions by XXXX XXXX XXXX have caused severe financial distress, damage to my reputation, and emotional turmoil. I demand immediate correction of my credit report to remove all inaccuracies, including the unauthorized medical information, cessation of all collection efforts until proper validation of the debt is provided, and compensation for the damages and emotional distress caused by their unlawful conduct.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-06-14
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. (MD)

I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.
Consumer complaint received 2022-02-05
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. (AL)

Equifax is reporting a duplicate acct on my credit file from XXXX XXXX that they have failed to validate..I have previously disputed this info 30 times with no relief in site... I would like equifax to follow the law and valid the acct or remove it.
Consumer complaint received 2024-06-14
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)

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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/year>, XXXX 2023 AND XX/XX/year> 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 XXXX  days before the payment due date. 


XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-06-14
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)

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX  accounts 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
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. (NC)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-13
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. (IN)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-08-13
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.

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 2024-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GREENSKY OPERATIONS, LLC (MD)

On XX/XX/year> GreenSky withdrew {$130.00} from my checking account through an ACH transaction. I did not request the loan. I have talked to a representative at GreenSky. Their best guess is that someone took out a loan and accidentally gave them numbers that correspond to my account and/or phone number. I informed the GreenSky representative that I found that unlikely and that I was aware of their history of fraud. 
My bank has opened a fraudulent claim for the withdrawal.
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Moiharwin Diverisfied Corporation (NV)

Back in XX/XX/year> I responded to the initial request for payment with a request for proof of debt being owed by me along with proof I ever agreed to the service and being responsible for any payments. 30 days later I had no gotten any documentation proving the debt. I received a couple letters from the collection company around the same time period and reached out to them to advise they are not to contact me any longer as they did not send any documentation in the time period required by law, they said they would no longer contact me then today XX/XX/year> I receive a text message from the collection company requesting payment once again. I responded to the text " You are in violation of the Fair Debt Collection Act please cease any communication or I will be retaining an attorney to file a law suit ''
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

On XX/XX/year> I submitted the payoff amount for XXXX of my XXXX private federal student loans administered by Navient. The payment was processed and the balance on the account on XX/XX/year> now shows {$16.00}. I believe this is a pattern of phantom charges, hidden fees, and improperly applied payments to continuously inflate balances. The loan was paid in full according to the amount quoted on their servicing website. I have had it with them and their failure to disclose payment information and bait and switch tactics on loan balances. I want this loan updated to reflect the balance has been paid and my other loan to be investigated for improper fees and a full transaction history.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (WI)

I open a US Bank Checking account. There was a XXXX dollar bonus, requirement is deposit XXXX or more, 10 or more debit card purchase total of XXXX dollar or more, and enroll in online banking. I complete all the requirements on XX/XX/year>. And after a week, XX/XX/year>, US Bank said they will close my account on XX/XX/year>. With no reason. I doubt that US Bank close my account because they dont want pay me the bonus. I ask them why they close it, they said they will not provide any information. The worst bank I ever worked with.
Consumer complaint received 2024-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SOFI TECHNOLOGIES, INC. (AZ)

For the past several weeks, I have attempted via multiple chat sessions with a XXXX representative to request a written letter be mailed confirming my canceled private student loan has been closed and there are no remaining obligations or balances on the account. The most recent request was today when my chat session was escalated to an account manager. XXXX joined the chat session and after reviewing the notes on my account, she stated she has limited access to assist me with my request and I need to contact XXXX. I responded to let her know I have contacted XXXX, and they said I need to contact XXXX. 

XXXX then abruptly ended the chat session with the following response, Its been a pleasure chatting with you today. Could you please take a brief moment to complete a survey. 

I am requesting the assistance of CFPB to resolve this issue as I have been unsuccessful.