davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (MA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$4600.00} XXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently started an reinvestigation of my credit report with all 3 bureaus ensure that what they were reporting was 100 % accurate. During that reinvestigation, XXXX and XXXX both deleted the account. Transunion was the one outlier that did not properly investigate or take proper actions after the investigation. I have never done business with this entity and this account should be removed immediately pursuant the FCRA.
Consumer complaint received 2024-04-25
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. (IL)

I have identified inaccuracies in my XXXX Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with XXXX. Despite my attempts to address the matter through mail communications, XXXX has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates XXXX 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I applied for an XXXX XXXX XXXX plan after payments resumed on my student loans. I was approved for an XXXX payment and told my application would be sent to my loan servicer, Nelnet. 

I received an email from Nelnet that my plan was " being processed '' and that while it was being processed I did not have to do anything else and if my payment became due it would be placed in administrative forbearance. 

At the start of this month I started receiving " Past Due '' notices. I called Nelnet and after holding on the phone for 2 hours was told the account " had not '' been placed on administrative forbearance and asked to apply for something else. I responded I did not want to apply for anything else because I was not eligible for anything else and my XXXX plan was already documented. 

Currently my account is now Past Due despite my request not being timely processed by Nelnet.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am still getting emails from Experian saying they won't investigate the inaccurate information on my credit report. Every time I send a dispute they send me the same email stating they are not going to investigate because they think my request is suspicious are not from me. This is now the XXXX  time Im getting this email! I have given them my personal information, my address date of birth, social security number and yet they still refuse to investigate. It seems like this is a stall tactic for them to not correct the inaccurate information on my credit report. The CFPB website says they are required to investigate. I know this is a violation of my consumer rights and would like for them to be held accountable.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report Via XXXX, and I noticed some late payments posted on my credit report, I never made late payments nor I was provided proof of such so my account needs to be updated to paid never late. 

Account Name : XXXX XXXX Account Numbers:XXXX 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MO)

I contacted XXXX  XXXX last year about two payments in the amount of {$1500.00} and {$800.00} that were made to XXXX XXXX XXXX of XXXX NY to complete a job and merchandise but never received it. XXXX XXXX refused to investigate the incident thoroughly and advised that I should contact XXXX 's XXXX, Chase in-order to get my funds returned. I did so but never received any response from Chase. After a months and month of contacting XXXX XXXX for an update they were unable to provide an update. I would like my funds in the amount of {$1500.00} taken out of my account on XX/XX/2022 and {$800.00} taken out on XX/XX/2022 returned to my account after an investigation conducted with Chase.
Consumer complaint received 2024-02-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nagle & Zaller, PC (MD)

Received letter first stating I owe XXXX, then XXXX then XXXX now XXXX I have receipts paying them monthly what is owed. In XXXX  I missed XXXX payments totaling XXXX per month. I have not missed a payment since. This is a XXXX XXXX 
Whenever I email or try to call no call back received. I have my payment documentation and can not understand the amount they say I owe. It does not make mathematical sense. I contacted a lawyer but have not had any action from the lawyer. Please help me. I am XXXX and if you look at my payment record with many other debtors you will see that I do pay what I owe. I strongly believe they are trying to bilk me out of money I do not owe, maybe because of my age. Please help..
Consumer complaint received 2023-09-17
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: AMERICAN EXPRESS COMPANY (CA)

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$130.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2023-10-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Wildhorse Financial Services, LLC (MI)

I received the following text message. 
I have not applied for a loan with this lender or any lender. 

I do not know if they Ive done a hard pole on my credit report. 
fTheir website a website for gravity lending like it says in this text message. Ive never heard of them never applied for Long with them. Ive tried to call her number listed and and all I get is a recording that said we can not recall can not be completed as dialed. Please hang up and try again.. I dont know if they exist but Im going to monitor my credit report and make sure that theres nothing that was pulled and just be sure that I have taken her alone but I guess I just wanted to report this company or this lender I dont know Ive never heard of them, and they never replied for the them. I dont know if its scam or a scam. I dont know, but thats why Im reporting it. And I dont even know if Im reporting it to the correct office. Thank you. 


I will be closing your loan application and credit file out at this time. If you are interested in seeing how I can help you save money on this loan please feel free to reach out and I can re-open your application. I have many years of experience in this industry and as a financial professional. I work diligently for my clients and charge no fees. I can be working for you, while you're working for yourself. Thank you for the opportunity and I wish you the very best. - XXXX XXXX, XXXXXXXX XXXX Officer at Gravity Lending
Consumer complaint received 2023-10-26
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)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and EQUIFAX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX  XXXX XXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00}.
Consumer complaint received 2024-07-06
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. (MA)

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 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-04-25
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. (MI)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (FL)

Based on 15 USC 1681i ( a ) ( 1 ) ( A ), asserting that the information reported is inaccurate, incomplete, or unverifiable, which violates your rights under the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (FL)

On Monday, XX/XX/, it was revealed to my office manager that a check, from a separate practice, had been stolen and made fraudulent. Both medical practices use the same vendor and so our checks were mailed out together. With that said, because their check had been compromised, mine could possibly suffer the same fate. 
On the same day my office manager notified my PNC representative, XXXX XXXX, of the situation to see if we needed to do anything on our part. Later, on XX/XX/2023, it was discovered that my check had indeed been affected as well. 
The fraudulent check was cashed on XX/XX/2023, for {$17000.00} with a completely different receiver noted and a signature that was not mine. It was made out to XXXX XXXX where the original one was for XXXX XXXX in the amount of {$2000.00}. I had written many PNC checks before this one and I would have thought, especially with the given large amount being cashed, that my signature would have been checked for authentication, but it was not. 
Both my office manager and I made numerous attempts to get updates from PNC regarding this issue. Not once did the bank, that is supposed to protect my money, reach out to me on their own for an update. To this day it is still my end checking in for a status update. 
In XXXX, after receiving the only mail from PNC regarding this issue, my office manager spoke with XXXX XXXX to once again correct PNC with the proper information on the check that was stolen. My office manager reached back out to XXXX XXXX to ask why it appears that nothing had been processed when this issue first came to light. He stated that he had initially put in two requests. I am not confident that is true given that XXXX is executing this now, 2 months later. 
Eventually I was directed to speak with XXXX XXXX who was not any better at keeping me updated. My conversations with her gave no insight into any progress being made during the investigation. Dealing with her did not ease the stress, it only confirmed my feelings that this issue was nowhere near a resolution because no one seemed to be vigilante. 

Now, 6 months into this process, I am being told that there is nothing to be done about the stolen funds. I found this to be extremely unacceptable, even more so after discovering that the mutual XXXX  with the stolen check, who also banks with PNC, was able to rectify their fraudulent check that was in the same envelope, within a timely manner. 
This issue has caused me to question the logic of banks. Why do we open accounts and pay for checks if we can not guarantee the security of our accounts?
Consumer complaint received 2024-04-25
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. (PA)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2024-04-25
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. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/2023 Status Open. {$520.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$5000.00} Balance updated XX/XX/2023 Recent payment - Monthly payment {$170.00} Original balance {$4700.00} Highest balance - Terms 36 Months My credit report is telling that this account was opened in XX/XX/2023 in the amount of {$4700.00} with an interest charge every month. They have called and harassed me on the phone leaving messages and I'm on the DNC list. When I spoke to someone XX/XX/XXXX at XXXX XXXX there about original service agreement or contract with my signature, they gave me the run around. So, in the pdf 's provide I sent a certified letter a couple of weeks ago. Back on XX/XX/XXXX, I gave them 10 business days to send me any documents with the details I've been requesting. This company is fraudulently using my information and is reporting to credit bureaus. I have never done business with them, and my bank records show NO money ever deposited into my bank account for a loan. I'm requesting that this negative information be removed from my credit report, and they stop calling and harassing me. If this is not resolved soon, I will be filing a civil lawsuit to XXXX XXXX! They must delete all negative information from all 3 credit bureaus ASAP!
Consumer complaint received 2023-10-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions 1. US DEPT ED Active {$4800.00} N/A of Credit Limit 2 . US DEPT ED Active {$3700.00} N/A of Credit Limit 3 . XXXX Closed {$2700.00} N/A of Credit Limit 4. XXXX Closed {$7600.00} N/A of Credit Limit 5 . XXXX/XXXX  Closed N/A N/A of Credit Limit 6. XXXX/XXXX  Closed N/A N/A of Credit Limit 7. XXXX Closed N/A N/A of Credit Limit 8. XXXX XXXX  Closed N/A N/A of Credit Limit 9. XXXX/XXXX  Closed N/A N/A of Credit Limit
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Experian is a serial repeat offender who constantly violates the laws and my rights by allowing incorrect reporting to happen. When i dispute incorrect information, Experian willfully and intentionally ignores the dispute, and never sends updates after XXXX  days. Experian further refuses to block id theft even with a valid police report and id theft report. I have sued experian over XXXX times in my lifetime, and they settle for {$5000.00} - {$100000.00} depending on damages. Once i threaten to sue for them violating the fcra, they will block the fraudulent accounts. Then they will reinsert it willfully and intentionally violating my rights. 

Now Experian has took the biggest step in breaking the law by deleting my entire credit report, causing a lifetime of damage preventing job opportunities, mortgage, loans, utilities and more, because they rather retaliate and punish the victim and whistleblower because their incapable of following the law. They refuse to provide my weekly/yearly report required by the FCRA. they blocked my phone number for calling for any tech support. They went out of their way to discriminate and attack me for only asking they follow the laws.