davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Failed Account Investigation Violations of 15 U.S.C. 1681s-2, 15 U.S.C. 1681i, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1666b, and TILA ( Truth in Lending Act ) Dear CFPB Representatives, I hope this letter finds you well. I am writing to **file a formal complaint** regarding the investigation of an account that has been incorrectly reported on my credit report. Below is the information needed to identify the account : - Creditor Name : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX - Date of Late Payment : XXXX I received a notification stating that the account in question had been " verified. '' However, this response did not adequately address the concerns raised in my original request and failed to comply with the legal requirements. 

I am submitting this complaint because I believe the investigation was insufficient and constitutes a violation of the following legal provisions : 1. **15 U.S.C. 1681s-2** : This law requires information providers to correct or remove inaccurate or incomplete information when notified of a valid dispute. In this case, the information remains incorrect, which constitutes a violation.

2. **15 U.S.C. 1681i** : Refers to the requirement that credit reporting agencies conduct a reasonable investigation when a consumer disputes information. The investigation performed does not seem to meet this standard.

3. **15 U.S.C. 1637 ( b ) ** : Under the **Truth in Lending Act ( TILA ) **, credit card issuers and creditors are required to provide clear and accurate statements to consumers. I have not received any documentation that meets this requirement regarding the disputed charges.

4. **15 U.S.C. 1666b** : Requires the creditor to provide an account statement reflecting any disputed charges within a reasonable time frame. To date, this has not occurred.

5. **Truth in Lending Act ( TILA ) ** : Under TILA, creditors are required to provide clear and understandable terms and conditions, including details about charges on accounts. The creditor has failed to meet this requirement, hindering my ability to understand the terms of the account and the associated charges.
Consumer complaint received 2024-11-01
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. (GA)

This accounts were charged off on the following date : XX/XX/2022, XX/XX/2022 Since then the date of last activity has been inconsistently updated to all XXXX credit reporting agencies XXXX, XXXX, and Experian If the dates are coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. Please delete all accounts from my credit report immediately. The accounts are listed below with all relevant information. 

Account name : XXXX Account # : XXXX XXXX : Date last XXXX XXXX : Date last XXXX Experian : Date last XXXX Account name : XXXX Account # : XXXX XXXX : Date last XXXX XXXX : Date last XXXX Experian : Date last active : XXXX
Consumer complaint received 2024-10-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (CA)

I have dealt with Exeter Finance, due to health issues I got behind on my monthly payments for a XXXX XXXX XXXX, I requested a modification to the loan or extend the loan or lower the interest rate but they denied all my attempts to work with them, they did move the payment 2 or 3 times in the past but when I had XXXX XX/XX/XXXX and I had a second XXXX XX/XX/XXXX came out of the hospital XXXX XXXX XXXX, I show them pictures and video of the XXXX XXXX XXXX XXXX XXXX XXXX  and due to XXXX XXXX which I was denied my claim unjustly but that's another story but it was part of the issue I couldn't make payment, I spoke to a supervisors but they did not care instead they said get money out of your XXXX or borrow money from family or friends so you can catch up or lose the car, but I couldn't instead they charged off the loan but I still have the car, just this month I pay 3 payments, so I don't know what are my rights, I have e-mail copies complaint to cfcb XXXX XXXX  to no avail, I made 3 payments this month of XX/XX/XXXX, what rights do I have?
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I am filing a complaint for requesting unnecessary documentation to validate a debt. 

Requesting : Original Creditor : [ Provide the name of the original creditor ] Debt Collector : Date Opened : [ Date ] Date Closed : [ Date, if applicable ] Date Account Sold : [ Date, if applicable ] Date Charged-Off : [ Date ] Date of First Delinquency : [ Date ] Date of Last Payment : [ Date ] Balance : [ Current Balance ] Also requesting payment ledger ( statements, etc. ) and records of communication with Midland if applicable
Consumer complaint received 2024-08-20
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. (FL)

My complaint responses are coming back as the accounts being verified. None of the accounts that I have listed in my report or letter below belongs to me. I am asking that these accounts be removed completely for it is affecting my character.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (FL)

I have mailed several certified letters to this collection agency and they continue to negatively report on an account that i have advised them does not belong to me. The event went n to threaten me to reopen the debt and sue me. to also " Be careful " how i responded to them because it could put me in harms way. That they would not stop the collections and continue to report. I have all of the documentation and communication with them.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XX/XX/year> {$1200.00} XXXX XXXX XXXX XX/XX/year> {$850.00} XXXX XXXX XXXX XX/XX/year> {$880.00} Midland Credit XXXX XX/XX/XXXX {$1100.00} Midland Credit XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} I have never heard of these companies and have not taken out any loans this year. They are stating that they are open account when I have not heard of them or taken out any loans with them.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (FL)

XXXX XXXX XXXX XX/XX/year> {$1200.00} XXXX XXXX XXXX XX/XX/year> {$850.00} XXXX XXXX XXXX XX/XX/year> {$880.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$580.00} CKS Prime investment XX/XX/XXXX {$1400.00} I have never heard of these companies and have not taken out any loans this year. They are stating that they are open account when I have not heard of them or taken out any loans with them.
Consumer complaint received 2024-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

SLOAN SERVICING had me to send in an IBR application as I have with the previous company and today regardless of the fact that I have XXXX income they are changing me over {$60.00} per month I have never dealt with this from the previous company this feels like discrimination
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX - Account # : XXXX XXXX - Account # : XXXX I am a victim of identity theft, and several collection accounts have been fraudulently opened in my name without my knowledge or consent. These accounts are causing significant harm to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and have fraudulent information removed from my credit report.
Consumer complaint received 2024-08-20
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
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. (NJ)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am a XXXX XXXX XXXX XXXX  and am disputing unauthorized hard inquiries on my Equifax credit report. The following inquiries were not authorized by me and resulted from XXXX XXXXXXXX : XXXX XXXXXXXX - XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> I request these inquiries be removed immediately as they are the result of fraudulent activity. I have attached proof of identity, proof of residence, and an identity theft affidavit to support my claim.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm writing this letter to inform you I have found inaccurate information on my credit report. This information is fraudulent and I have no relationship to them. Please remove these information from my credit report immediately Inaccurate Addresses : XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX, XXXX, NY, XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX {$88.00} I have no knowledge of this account and received no notification of this debt. I have requested receipts and confirmation of this debt and notification via certified mail of this debt and have not received. I demand this be removed from my credit report immediately.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am reaching out to address serious concerns regarding multiple issues with my credit report. Upon review, I identified several inaccuracies, including incorrect account listings, inconsistent billing information, and accounts that are not mine. These discrepancies pose a significant risk to my financial well-being, and I urgently request your help in resolving them.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-11
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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC. (CA)

I'm trying to open a checking account with Sofi Bank. They declined my application stating my identification card was expired, but my Florida ID doesn't expire until XXXX of XXXX. They also stated I had a profile already set up dating from XXXX. I told them I need to update everything so I can go ahead and open the checking account and have them send me the debit card, that's when they said XXXX had a lock on the account and need to call XXXX to remove the lock. I called XXXX and they said all locks and freezes has been removed and I should be able to continue the process. Sofi maintains that my identification card is expired.
Consumer complaint received 2024-09-11
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 seek your help in addressing this mistaken account on my credit report. It has severely impacted my reputation, and I require your support. Your improper reporting has caused major damage to my standing, and I demand you remove this incorrect data from my credit report.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

XX/XX/year> My Husband Daughter, made her self Power of Attorney and Excess My Account and Stole Money, We had No idea that she can do that and The Bank didnt Inform me The Primary holder of the Account, that she has Excess to in My Account ( She has Stolen {$2100.00}, {$1400.00} on XX/XX/year> and the XXXX she taken {$700.00} more..My Husband is XXXX y/o with XXXX he would have not Approved this..and Myself XXXX y/o
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I had XXXX charges for {$45.00} and {$22.00} appear on my XXXX credit card on XX/XX/year> that I believe were fraudulent. I didn't recognize the merchant ( XXXX XXXX XXXX ) and couldn't find any information about them online when looking up the merchant name. On my credit card statement, it said the merchant was located in New York and that I had paid via XXXX XXXX device. I was not in New York at the time, I had gone to visit my sister XXXX weeks earlier and had already been back in California for XXXX days by the time the charges showed up on my account. I filed disputes for both charges with XXXX on XX/XX/year> and provided all of the above information to the representative. He advised me to change my XXXX account password and processed the dispute claims for me. After the XXXX day review period on XX/XX/year>, both charge disputes were not accepted and the money was taken from my account. I reached out to XXXX again and asked for the reason why the claims were not accepted. The representative told me that there was no reason stated on the claim and it was not clear to her why the disputes were denied. She offered to reopen my disputes, which I accepted. After the XXXX day review period, XXXX of my disputes ( {$22.00} ) was accepted and the other was denied ( {$45.00} ) even though both transactions occurred at the same merchant and on the same day and time. I reached out to XXXX on XX/XX/year> asking why only XXXX had been accepted and the other was denied. Again, they were not able to provide me a reason for the denial. The representative reopened my dispute again for the charge that had not been refunded, and it is still undergoing review. I feel as though XXXX and XXXX XXXX have mishandled the review of my disputes.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

My card was charged for multiple items twice. Once on the XXXX XXXX XXXX  which is correct and a second time on the XXXX XXXX XXXX which is a fraudulent charge that was not charged by me or put in the new card number i requested earlier.

This is after i had frozen/turned off my brand new card that i received a couple hours earlier. One charge for {$300.00} was paid twice and {$11.00} for XXXX  was charged twice. I immediately contacted support and they are trying to blame the hotel and XXXX  even though after searching online for this issue it became obvious by the hundreds of social media posts that this is a common issue with Cashapp
Consumer complaint received 2024-11-01
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)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. It has been XXXX  days and you are in XXXX  of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in XXXX under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2024-08-20
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. (NY)

I'm writing this letter to inform you I have found inaccurate information on my credit report. This information is fraudulent and I have no relationship to them. Please remove these information from my credit report immediately Inaccurate Addresses : XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX, XXXX, NY, XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.