davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
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. (MD)

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 2024-05-09
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. (TX)

I am writing to address the ongoing issue regarding charge off accounts on my credit report and to make my fifth attempt to rectify this matter. Despite my previous attempts and providing substantial evidence to support my claim, the charge off accounts persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the accuracy of the credit reporting system. 

I request that you conduct a thorough investigation into these charge off accounts and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance XXXX {$1000.00}.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

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 XXXX Balance Owed : {$710.00}
Consumer complaint received 2024-05-09
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letter
Consumer complaint received 2024-05-29
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. (IL)

These account is showing inaccurate information. 15 us 1681b and 15 us 1681e accordingly to fcra these law was in place. These account are showing improper information that not right. One bureaus is showing 30 day late payment XXXX and 60 day late payment XXXX and 90 day late payment XXXX. And the other bureau is showing XXXX XXXX XXXX. These all inaccurate information please delete harming me from getting house for my family.
Consumer complaint received 2024-05-09
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. (NC)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get 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 XXXXXX/XX/year>
Consumer complaint received 2024-05-09
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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)

Subject : Dispute Regarding Inaccuracy Reporting of XXXX XXXX XXXX Account - Third Notice I am writing to address the ongoing inaccuracy in the reporting of the XXXX XXXX XXXX account on my credit report. Despite my previous attempts to rectify this matter, the account continues to be reported inaccurately. In response to my initial dispute, XXXX XXXX XXXX asserted that the account is reporting accurately. However, their response fails to address multiple violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802. Firstly, according to 15 USC 6802, a financial institution must provide consumers with a notice before disclosing nonpublic personal information to a nonaffiliated third party. Additionally, the consumer must be given the opportunity to opt out of such disclosures, along with an explanation of how to exercise that option. Also ( 15 usc 1681g states that all consumer reporting agencies upon request clearly and accurately disclose to consumer all information in consumer file at time of request ) .XXXX XXXXXXXX XXXX has failed to demonstrate compliance with these requirements. Furthermore, XXXX XXXX XXXX has not provided evidence of how they verified the accuracy of the account, nor have they presented the required three disclosure forms with my wet ink signature. As per FCRA regulations, failure to comply with these provisions warrants immediate removal of the disputed account from my credit report. Additionally, the account is erroneously reported as a charge-off. According to IRS Publication 4681, once an account has been charged off, it is no longer considered debt but rather gross income. Income should not be reported on a consumers credit report. Therefore, the reporting of this account as a charge-off is not only inaccurate but also misleading. I urge you to take swift action to investigate and rectify these violations of the FCRA. It is imperative that accurate and compliant reporting practices are upheld to ensure the integrity of consumers credit reports. I expect a prompt resolution to this matter and the immediate removal of the inaccurately reported XXXX XXXX XXXX account from my credit report. Thank you for your attention to this matter.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To whom it may concern, I am writing to request your help in finding my lost {$2000.00}. This has been an ongoing issue since XX/XX/2023 between XXXX XXXX  ( account XXXX ) and Bank of America ( account XXXX ). Here is a timeline of my efforts : XXXX XXXX - using XXXX XXXX online services, I initiated a {$2000.00} transfer from my Bank of America account to my XXXX XXXX  account. It is important to note that I started this transfer from the XXXX XXXX  website and not from the Bank of America website. I received a notice that the transaction would be complete within 24-48 hours. 

XXXX XXXX - XXXX received an email confirmation from XXXX XXXX  that the {$2000.00} transfer was completed. 

XXXX XXXX - XXXX closed my XXXX XXXX  account, forgetting to check about the incoming transfer. I received a notice ( attached ) showing that the {$2000.00} was returned to Bank of America with an estimated arrival by XXXX XXXX. 

XXXX XXXX - XXXX checked my Bank of America account and noticed that the {$2000.00} hadnt been returned. I went to the XXXX XXXX  branch in XXXX, CA and spoke with XXXX XXXX and she made a few calls. I stayed with her for XXXX hours before she concluded that it was a Bank of America issue. 

XXXX XXXX - XXXX XXXX - XXXX made numerous calls between Bank of America and XXXX XXXX  trying to resolve the issue. Each bank kept pointing me to the other bank. I spoke with XXXX at Bank of America, as well as XXXX with the Bank of America Disputes department. I tried to file a claim with Bank of America, but they stated that since the transfer was initiated through XXXX XXXX, and that XXXX XXXX  didnt return the {$2000.00} to Bank of America XXXX there was no trace number and nothing to file for. 

XXXX XXXX- I went to the XXXX XXXX  branch in XXXX, CA and spoke with XXXX XXXX ( XXXX XXXX stopped returning my calls ). He tried to be helpful, but was also unable to assist. He confirmed that the {$2000.00} never hit my XXXX XXXX  account and that filing a claim with Bank of America should resolve the issue. 

That same day, my son and I called XXXX XXXX  again and spoke with XXXX. We were told that she would investigate and speak with the XXXX department, then call me back on XXXX XXXX at noon. 

XXXX XXXX- no call back from XXXX XXXX XXXX 

XXXX - my {$2000.00} is lost and neither bank can assist. 

Attachments : XXXX XXXX  XXXX Bank of America XXXX XXXX XXXX  emails
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (LA)

On XX/XX/XXXX, I tried to access my Netspend account to withdraw {$1100.00}. I was denied access. After having sent documents to prove my identity via fax, email and text, I was still denied access to my funds.
Consumer complaint received 2024-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or can not be verified. 

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 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

In XXXX of XXXX, I made a payment to Discover credit card services for the amount of {$33.00}, unfortunately, Discover credit card is stating that this payment did not go through to my bank. This is not true, the payment posted on my end I've even shown them bank statements showing that the payment posted, even their own system shows that the payment posted, the recording to their discovery credit card services recording states that the payment posted, unfortunately, none of this seems to help as they simply refuse to accept the fact that this payment went through and was withdrawn from my bank account and I have shown them several documents to prove that it in fact went through. Despite all of this evidence to support my claim, they went ahead and closed the accounts as non-payments, kept my security deposit of {$200.00}, and destroyed my credit rating because this shows a delinquent account that was closed for non-payments violating their agreement between their company and the consumer. They have asked me to submit proof of this payment and I have done so several times already as you can see by the documents that I have uploaded but they simply state that they never received these documents even though I have proof that they did and we're even discussed they continue to lie about this account on several bases and on several fronts simply refusing to accept the fact that they are wrong
Consumer complaint received 2023-08-05
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 — Investigation took more than 30 days
Company: Checkr, Inc (DE)

Over XXXX days ago I credit report was run on me for XXXX in the middle of XX/XX/2023. They said they had to wait on something to come back from XXXX  that was showing up on my background. I told them I never let the XXXX and never been there. I called XXXX. They said it was a male and they were white I informed XXXX and checkr what the issue was they neglected to fix the issue and each time that I call email or corresponded with them they say the same thing at each time on checkr the date gets pushed back for my background. This is an accurate information on me that is affecting my livelihood and causing a hardship cause its mistaken identity and they are not doing anything about it but giving me the runaround
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (CA)

on XX/XX/2020 I sent Experian the attached letter via certified mail. I have the green cards that state these were received by the company. The accounts listed on these letters are fraudulent. I have presented all information required to have this information removed from my credit, as it is very damaging. See attached ID Theft Report, Police Report, Notarized Affidavit, SS Card, Driver Licence, and Utility Bill. Why has this not been removed?
Consumer complaint received 2024-05-09
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. (TX)

PLEASE BLOCKED AND REMOVED It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-08-04
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: Nelnet, Inc. (PA)

I previously disputed the accuracy of these account with the Credit reporting agencies and Nelnet. Specifically, i disputed with Nelnet via the CFPB XXXX and Nelet is still using my nonpublic information. My personal information was shared without consent. On top of that, they are reporting incomplete and inaccurate details. 
I want the accounts removed from my consumer profile. XXXX alleges that Nelnet verfied these account as accurate Affidavit of truth attached. XXXX report attached
Consumer complaint received 2020-01-17
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)

As of Complaint # XXXX, have it been corrected at XXXX  and closed both at XXXX and XXXX  now both Equifax and XXXX  decided to to lower my score 60+ points, because of the same complaint. 
My mistake was only adding one of the three credit reporting agencies.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Hello, I am reaching out to file this complaint due to being misled by the company regarding a forbearance plan. I contacted the company to be placed on a forbearance plan when I was having a difficult time. I was told during this time my account would not be reported as late. Additionally, I made my payments way before the plan ended and even made my payments earlier then described on the plan. Please remove any negative reporting payment history that is in place.
Consumer complaint received 2023-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (LA)

one day I saw that I lost XXXX points on my XXXX  account a debt collector Vance and Huffman LLC trying to collect on a debt that I do not owe them nor do I have a valid written contract agreement with a wet ink signature I am a natural man, I am a living human being, under 15 U.S.C.1692g it's no validation of debt that's one of the violations also another violation is 15 U.S.C.1692e false an misleading representation breaking these laws under FDCPA as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. They took adverse action against me and reported a collection to the credit bureau Section 808 ( 1 ) of the Fair Debt Collection Practices Act and Regulation F prohibit debt collectors from charging consumers pay-to-pay fees ( also known as convenience fees ) for making payments a particular way, such as by telephone or online unless those fees are expressly authorized by the underlying agreement or are affirmatively permitted by law 15 U.S. Code 1692f - Unfair practices, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : This false entry has caused my credit score to plummet close to XXXX points. I reached out to the collection agency and was advised that they would look into the duplicate payment nothing happened this caused a negative impact on my finances and life leaving me with higher interest rates and denied an extension of my credit which caused an adverse action under the law I have rights under 15 USC 1681A ( K ) 1
Consumer complaint received 2024-08-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rosebud Economic Development Corporation (OH)

On XX/XX/year> company Zoca Loans and Rosebud Lending LZO reported a debt in the amount of {$1400.00}. The investigation is not accurate on my credit report. I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to Zoca Loans. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter.
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

XXXX is attempting to collect a debt and is reporting such " alleged '' debt on all 3 credit bureau profiles. XXXX is indicating that I owe {$1100.00} for cellular service from starting on or around XXXX. The problem is during this time I was a minor in high school and not of legal age to apply for any credit of my own. Now Convergent Solutions has purchased said debt and are attempting to collect, despite me informing that I was a minor and this debt isn't mine
Consumer complaint received 2023-08-03
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: Fidelity National Information Services, Inc. (FNIS) (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!