davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX The universal requisites, at a minimum, include adhering to any and all applicable federal and state statutes, regulations, and standards which is required to ensure that the involved entities each have the correct policies and procedures in place to document their confirmed certifiable compliant reporting process even to the mandates to adhere to the Metro 2 data-filled field formatted reporting standards, of which no omitting nor deviations from the aforementioned standards can exist without jeopardizing the claimed data 's integrity calling into question its ethical and or lawful retaining of the very conditional privilege to report complete, true, accurate, physically proven data. THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers reporting privilege related to any negativity accused versus me. In this, accept my challenge of you and or the reporter for proof of adequate confirmed reporting process including the mandatorily utilized Metro 2 format. 
CLEARLY, INACCURACIES CANT BE CERTIFIABLY COMPLIANT! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: Maximus Federal Services, Inc. (OH)

As of today all loans that I had received while attending XXXX XXXX XXXX have been discharged, with the exception of the {$8800.00} in private loans that I am still required to make payments on. I am one of the students who was a member of the XXXXXXXX XXXX XXXXXXXX lawsuit. XXXX XXXX XXXX engaged in a series of widespread fraudulant activites and was investigated by the CFPB. 

Unfortunately, private loans were not discharged or forgiven under XXXX XXXX XXXXXXXX, despite the fact that the lenders were complicit in perpetuating fraud on the students. I would like my loans discharged. The private lenders should not be exempt from the consequences of the same actions that led to the discharge of the federal loans.
Consumer complaint received 2024-04-24
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)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

15UCS 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681 ( a ) - Definitions ; rules of construction Exclusions. -Except as provided in paragraph the term ( consumer report ) does not include - any report containing information solely as to transaction or experiences between the consumer and the person making the report.

15 USC 1666 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-24
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. (TX)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-04-23
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. (GA)

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given XXXX XXXX XXXXXXXX XXXX prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, XXXX XXXX XXXXXXXX XXXX, Experian, XXXX, or XXXX written permission or consent to obtain my information or to furnish my information.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 2024-04-24
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. (MS)

On XX/XX/2024, I disputed an account with EXPERIAN regarding XXXXXXXX XXXX XXXX  and the account came back inaccurate and incomplete, on XX/XX/2024, I disputed the account demanding its removal, and again a reinvestigation took place, and it came back incomplete and inaccurate. On XX/XX/2024, I further demanded the removal of the account, a reinvestigation took place, and it returned to me inaccurate and incomplete. Each time I have disputed these accounts, The account comes back the same, and the account is reinvestigated and updated within a very short period of time. Honestly, I don't believe EXPERIAN is conducting real investigations regarding this account. It continues to come back verified or updated as it remains incomplete and inaccurate. As of XX/XX/2024, this makes the XXXX time I have disputed this account. EXPERIAN is in violation of the Fair Credit Reporting Act 15 USC 1681e ( b ). For each dispute I have provided great detail as to what is wrong with the account, yet they continue to verify as updated or accurate and they have been verifying missing payments I have made that have been notated as " No Data '', and late payments where there is a random 90 late payment being reported. How can a person start off 90 days late?? Late payments progress every 30 days start at a 30-day late payment. This company has been verifying false and incomplete information repeatedly over the course of 5 months and have not removed the account as demanded based on their failure to report accurate information. They keep adjusting things on the account rather than fix the issue. They are stalling, ruining my credit report, damaging my reputation, and adversely affecting my livelihood. The have been in violation of the Fair Credit Reporting Act for more the 4 months and I do not have the money to sue them right now. This account needs to be deleted immediately!
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
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. (GA)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. (NJ)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX : I opened my Bank of America ( BOA ) checking account ending in XXXX and deposited {$3000.00} in a branch. 

XX/XX/XXXX : I transferred {$10000.00} from my own account ( ending in XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) in 3 transfers : {$1000.00} through Billpay, {$4000.00} and {$5000.00} through Online transfer towards my own account ( ending in XXXX ) in BOA. 

XX/XX/XXXX : I received a phone call from BOA telling me that the names of my XXXX account and BOA account are different ( but they were actually the same ) so that they thought there is some risk in my account and they would close my BOA account. 

XX/XX/XXXX : The {$9000.00} transfers through Online transfer were declined and returned to my XXXX account but the {$1000.00} transfer through XXXX was successful. My account in BOA ( ending in XXXX ) was closed and the remaining fund ( {$3200.00} ) was subtracted. 

Since then, I have contacted BOA several times to ask when I will get the remaining fund back, but they kept telling me that the money was still under review and they were unable to verify the ownership of my money. They asked me to contact ALL the other persons or organizations who had transferred money to my account and let them prove the ownership. BUT they gave me no contact info of their verification team so none of the other banks nor myself could provide relevant documents. What's more, since I have no access to my BOA checking account, I am unable to know who sent me money before closure. 

The last time I contacted them was in XXXX, XXXX, when they still insisted that the money was under review.
Consumer complaint received 2024-04-24
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)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of XXXX XXXX XXXX ( XXXX ), which makes this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. 
I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (KY)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct 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 XXXXXXXX
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On XX/XX/2023 I purchased gas at XXXX XXXX in XXXX Pennsylvania. The pre-authorization amount and hold was {$170.00}. In my other instances at this gas station, the hold was lifted within 24 hours. However, the hold was never lifted. I was charged for XXXX gallons of gas despite the fact that my gas tank can only hold up to XXXX gallons. I have disputed this twice, Capital One refused to reach out to the merchant. I had to spend approximately twelve hours on the phone over the course of three months, just to get a minimal amount of information from the merchant. Once I finally received the receipt from the merchant and uploaded it to a third dispute with Capital One I was informed that not only can I not be helped, but also that too much time had passed. This can not be accurate because my original dispute was within 10 days of the charge and I have been in contact on multiple occasions since that time. Compounding this issue is the compounded interest since that time. Ive been charged interest on the additional {$100.00} that I am owed and I have not been able to use my credit card since.
Consumer complaint received 2024-05-13
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)

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, Account name : XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX