davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
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. (NJ)

Someone opened a fraudulent credit card account with XXXX XXXX  using my personal information and were making the payments towards that fraudulent credit card account while I was in overseas. When I found the information about this fraudulent account in XX/XX/year>, I immediately called the discover bank customer service and reported the account as a fraud, and sent the affidavit and all the requested documents to their dispute department. Back in XX/XX/year> the credit card balance was - {$1.00} as per their statement, after 4 months of investigation, they have re billed the same credit card for the amount of {$1700.00}, I do not know even how it is possible, an account balance goes from - {$1.00} to {$1700.00} while it was reported as a fraudulent account, they failed to investigate this account properly and they also failed to verify the identity before allowing someone else to open this account fraudulently, They must be responsible for this fraudulent credit card account and remove it from the credit reports immediately.
Consumer complaint received 2024-06-15
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. (NC)

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  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 2024-06-15
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. (TX)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/1976 SSN : XXXX Dear Sir or Madam CC : CFPB Please be advised that inquiries appear on my credit file due to identity theft. I have filed an FTC Identity Theft report which is attached : the items Violate U.S.C-1682 ( c ) ( 2 ) and must be blocked removed within 4 business days.

The following inquiries violate 1681c2 and do not appear as result of any authorized transaction involving myself. 
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
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Hello, I had a XXXX XXXX  credit card. I have never made a late payment on any of my accounts. I called XXXX XXXX or went into the store not sure, on XX/XX/22 paid off this credit card XXXX and closed the account and there is activity on this account that is on my credit report that I am not making payments. This has decreased my score over 61 points. I have disputed this information with all three credit beaures and not heard a response. It has been on going since XXXX. 
XXXX statemnt due XX/XX/22 was XXXX. Then for some reason the balance went up XXXX and I paid that off. I have worked so hard on mainitnng a great credit score to buy a home plus I am in nursing school and may need loans.
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

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 Just number of harassing calls all day to the point of not having time and got into trouble at my job.
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 that should be on the report is missing
Company: LEXISNEXIS (AL)

My name is XXXX XXXX, and I am requesting all unauthorized hard and soft inquiries, along with non-mailable addresses be removed from my credit profile. 

For each of the non-mailable address and inquirys I am requesting : The name and contact information of the company or entity that made the inquiry and or provided the non mailable address. 

Additionally, I am opting out of these inquiries and any authorization I may have previously given, verbally and/or in writing effective immediately. 

As, hard inquiries do affect my credit score. I request that you restore my credit score to reflect the removal of these hard inquiries.
Consumer complaint received 2024-06-15
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. (CT)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-15
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. (MD)

In accordance with the Fair Credit Reporting 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 violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have ( he right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account wilhout my writen instructions.
Consumer complaint received 2023-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I am discovered 5 debts on my report from portfolio recovery when I was trying yo rent a home for my family. We are currently homeless. I was denied leasing because of collections on my account. I sent a debt verification letter on XX/XX/2023 and received no response. They are continuing to report the 5 collections account to the 3 major credit bureaus without verification of debt, violating federal and state laws. I want the accounts removed from my reports immediately and a letter of its deletion sent to me and anyone who had received my report within the last 60 days. As long as this happens IMMEDIATELY I will not proceed with court action.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

Upon a recent examination of my credit report, I have identified multiple billing errors pursuant to 15 U.S. Code 1666 ( b ), specifically : 1. The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on the statement 2. A computational or similar accounting error on the creditor 's statement.

Moreover, the creditor did not provide the legally required 21-day notice prior to the statement, resulting in improper late payment recordings on this account. I hereby demand verifiable documentation from the creditor 's financial records substantiating that I failed to make these payments on time. It is evident that this constitutes a billing error. 
The following items must be amended to " Paid as Agreed '' on my consumer report : XXXX ) Payment Status for Month of XXXX, XXXX XXXX ) Payment Status for Month of XXXX, XXXX XXXX ) Payment Status for Month of XXXX, XXXX XXXX ) Payment Status for Month of XXXX, XXXX XXXX ) Payment Status for Month of XXXX, XXXX Pursuant to my rights as a consumer, I demand that these remarks be updated or deleted immediately. Due to these incorrect payment reports, my ability to obtain new credit has been severely limited, hindering my efforts to improve both my life and my children 's lives. Non-compliance will compel me to seek monetary compensation for this violation under 15 U.S. Code 1681n ( Civil Liability ) in small claims court.
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My wife was in a XXXX XXXX  and we struggled to keep up with payments however we stayed on top of them. However we did have a few check bounce and made it right so that we were not late. Bank of America will no longer allow us to make payments online and will only accept certified funds. Thais forces us to pay {$15.00} each month for a certified check. I want to pay my Bank of America mortgage out of my Bank of America checking account each month. Also when this first happened and could no longer pay online a XXXX XXXX XXXX  gave me address XXXX  XXXX XXXX XXXX XXXX, TX XXXX to make my payment. I mailed the certified check on the XXXX of XXXX and they returned on the XXXX of XXXX as a return to sender. Come to find out this address was for payoffs and not monthly payments. I had to call Bank of America back and get the correct address to overnight the check with cost an additional $ XXXXbecuase of the wrong address that the XXXX XXXX  gave me I was hit a 30 day late which we should not be given since I was giving the wrong address. I have the envelope that left XXXX XXXX on the XXXX of XXXX and the check receipt if you would like this to investigate. I believe Bank of America is not an advocate for thee customers and do unfair practices.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BTH Management (GA)

The following companies are reporting me Personify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Under the doctrine of estoopel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the above alleged debt, nor therefore any such debt, in fact exists
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

Have have a secured credit card with Amazon. Everyone I use it they report my usage to the credit bureau XXXX and XXXX. This causes my credit score to ding because they are not reporting once a month after the billing cycle the report literally daily. They also have not reported my card on my XXXX. I did a XXXX  complaint and they advised that what they were doing is accurate they this also put a negative remark on my credit report saying that I disputed information which I did not I only ask they to report monthly and to add my Amazon credit card to my XXXX report. They did not fully read or investigate my request and I would like to speak with someone competent that can help resolve this issue because they made my credit drop XXXX points. There are also multiple people on XXXX and over the internet having this issue. I would like to resolve before reporting to the DOJ.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (CA)

Back in XXXX of XXXX I had severe health problems which led to me being forced to be under XXXX XXXX XXXX  Luckily for me the health issues I was able to overcome, after staying in the XXXX for over XXXX weeks I was then transferred to a XXXX XXXX  for another XXXX weeks. Once I was XXXX to go home I started slowly to get back into normal daily cycle that when I realized while I was in the XXXX XXXX XXXX XXXX my mortgage payment didn't go through since my bank account was jeopardized. Again if I dint have the health issues and if I was home I would have known as soon as it happened and I would have fixed it at my earliest since I take m credit very seriously. I know this loan is already transferred and my loan with UNITED WHOLESALE M has been closed.
Consumer complaint received 2023-03-13
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. (GA)

Name : XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/1984 In accordance with the Fair Credit Reporting act The following agencies are violating my rights. 

XXXX XXXX  XXXX : Account Number XXXX XXXX : Account Numbers XXXX XXXX : Account Number XXXX XXXX : Account Number XXXX XXXX  : Account Number XXXX 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 fumish 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 itern of information, other than records of convictions of crimes which antedates the report by more than seven years.

In 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.

I did not consent, so please remove accounts/late payments listed above
Consumer complaint received 2024-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

I just received two letters from Aidvantage and they are telling me that I am delinquent in my payments but I have never been contacted by them since XXXX. I was then told that another servicer, XXXX, had my loans from XXXX until Aidvantage received them in XXXX of XXXX. The agent said that they had the wrong email address and this was the only way they tried to contact me since XX/XX/XXXX- XX/XX/XXXX. Why were letters not sent for 2 years? Why did you only try to contact me via email when you knew it was being sent back? I'm not paying extra fees for this company 's mistakes. My wife has known her loan servicer since she started taking out loans. Why am I just receiving this information 2 years and a delinquency later? If you want to get technical, 8 years later. Thank you so much, XXXX and Aidvantage for making life even more difficult than it ever needed to be.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/year> and XX/XX/year>, two fraudulent withdrawals were made against my Wells Fargo checking account, the first for {$4000.00} and the second for {$4500.00}, respectively. Both times a person or persons made withdrawals using a withdrawal slip at a branch, and the signatures provided clearly did not match my signature. Assuming the person ( s ) making the withdrawal was faking my identity, processes were not in place or the teller failed to compare the signatures, in addition to other possible lapses. These fraudulent transactions were reported to Wells Fargo, FTC, and a local police report was filed. Credit agenties were notified and freezes were placed with the credit agencies.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/year>, I deposited {$300.00} cash into an ATM for Bank of America in XXXX XXXX. The ATM only counted {$160.00} and an error message came up that said they could not return the remaining cash ( {$140.00} ). The ATM then asked how much money total was deposited, which I type in {$300.00}. {$300.00} was deposited into my account. 

On XX/XX/XXXX, I received a letter stating ( posted on XX/XX/XXXX ) that the bank will debit {$140.00} of my account due to difference in currency. I called the claim department for Bank Of America and the person said that they will file a claim and temporary credit me {$140.00} while they investigated, which may take 10 days. I checked my bank and the money was not credited. I called the claims department back and there was no claim # on file for my account.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (WI)

I was sued by LVNV Funding LLC in XXXX and attended the court dates and the case was closed. In XXXX I requested a debt verification letter and it was never received Today on XX/XX/XXXX, I was notified that there was another lawsuit filed against me for the same debt by a bankruptcy lawyer. I placed a call to LVNV Funding and it routed me to a company called Resurgent Capital Services, they told me that the law suit was indeed filed. They stated during the phone call that they had been garnishing my wages since XXXX, and the debt verification letter was mailed to an address i resided at in XXXX. I have never had any money removed from my paychecks and was never notified of any judgment placed against me. They asked if I had a spouse as they have been communicating with someone about my debt since XXXX ( which is against the law ) and this person just started payments on the debt again in XX/XX/XXXX but the lawsuit was filed on XX/XX/XXXX. I would really like this debt wiped from my record and removed from my credit report as there are many discrepancies in this situation. It is also my understanding that you can not be sued for the same debt twice if a judgement was made on the case. Please help me!
Consumer complaint received 2024-06-17
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. (MT)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (MS)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit "
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.