davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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. (WA)

I have taken the necessary steps to address the inaccuracies on my credit report by instructing Experian, XXXX, and XXXX to reinvestigate specific accounts that have raised concerns due to their inaccuracies and errors. The accounts I've requested reinvestigation for are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite these concerns, all three credit reporting agencies have asserted that everything is complete and accurate, even though clear inaccuracies persist. This response is in direct violation of the mandate outlined in 15 U.S.C. 1681i ( 5 ), which obligates these agencies to remove or modify accounts that are not reporting correctly. 
Furthermore, it is crucial to emphasize the importance of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which explicitly prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is evident that these agencies have not complied with this critical provision. 
I possess compelling evidence supporting my claims of credit reporting violations and, as a result, have submitted this formal complaint to the Consumer Financial Protection Bureau. My primary objective is to secure a resolution that ensures the accurate reporting of my credit information, in alignment with federal laws and guidelines, while holding the credit reporting agencies accountable for their non-compliance.
Consumer complaint received 2024-01-05
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. (NJ)

XXXX  XXXX XXXX randomly shut off my access to this account and requested a copy of my ID to verify my identity. I sent them a copy of my ID, but they then closed my account. I had a XXXX balance when I last had access to the card. I do not recognize the balance they are reporting nor have I ever been late on a payment on this account. They are reporting me 60 days past due and decimating my credit score and report. They are unwilling to work with me and I have no other recourse to get this negative and false reporting removed.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I had an account show up as a closed account and charge off on my personal credit report, this was NOT a Personal Debt it was a company Debt, we have tried multiple times to resolve the matter with Experian and XXXX with no valid response except it was valid, this had never reported on my Credit Report, we also asked for any signed paperwork from XXXX and have gotten none, if that was provided to Experian it was never provided to me.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I requested XXXX and XXXX credit agencies to remove an account by Portfolio Recovery services. Due to the fact that I have never had an account with this company. I was told that they were able to show validity of an Account that I have had with them which is False information and not legitimate. I have never had an account with the said company Portfolio Recovery. Based on the Fair Debt Collection practices 15USC 1692 Act, Porfolio Recovery is falsley stating that I have had an account with them with my signature with a date of opening an account which is also false and which was never provided to me, by law I was supposed to be given 30 days by letter notifying that this account was going to be placed on my credit file, which I never recieved.
Consumer complaint received 2024-01-05
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 am not liable for this debt with XXXX XXXX for {$260.00}. I do not have a contract with XXXX XXXX XXXX, and was not provided the original contract as requested. A request to remove this illegitimate account from my credit report has been submitted several times but the furnishers of information continue to claim this account has been verified without providing proof of investigation and findings. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NC)

I ordered a grant writing service from XXXX XXXX The website only listed it as {$36.00}. I was charged three times for a total of {$100.00}. I did't receive the service. After following up numerous times, XXXX XXXX acknowledge she had not delivered the services and agreed to a refund. She never made good on the refund. I contacted Chase to dispute the transaction. I told the rep on the phone there was three charges. He said he got it. When I was mailed the form requesting information, it only had one charge. When I submitted evidence in my online banking it only showed disputes for two charges. Someone in Chase is intentionally getting the information incorrect. Today when I logged in my account one charge was
reversed. The reversal occurred on XX/XX/2024. This is an error. Chase has received evidence in the form of an email where the merchant admitted wrong and stated she would provide a refund.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I have sent letters and disputed this account multiple times. They came back as " verified '' without any proof. I have received a letter from XXXX XXXX stating there is errors and the account must be removed. This is the final attempt before my lawyers will be involved.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, 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. (ME)

All three credit agencies have out dated or missing information, and do not reflect each other in positive info. No creditor, or lender can do a credit check and see all three reporting agencies, all they can see is XXXX, and XXXX, no ability to view Experian, which is holding the highest scores. I have multiple inquiries on my reports from names that I have never heard of, or applied through for credit checks. 

I have made and continue to make disputes on these sites.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported In XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never sent The periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Consumer complaint received 2024-01-05
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. (MD)

About XXXX months ago I reviewed a copy of all ( XXXX ) of my credit reports ( XXXX, EXPERIAN, and XXXX ) where I noticed accounts that are reporting inaccurately. It is showing misleading information, as it is showing me late on a few accounts from XX/XX/2022 to XX/XX/2022, but to my knowledge this is incorrect or an error not of my own doing. I have spoken to the creditors via mail and simply just asked for the accounts to be updated to PAID/PAID AS AGREED, NEVER LATE if the proper evidence can not be provided. I have been getting either no response or unsatisfactory responses with quick " investigations '' that provide know documentation. I been submitting complaints to the CFPB. This misleading data is causing a great harm to not only my credit score, but my employment is in jeopardy as I'm required to maintain exceptional credit as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After recently seeking legal counsel regarding consumer laws, I was made aware that these inaccuracies are a violation of the Fair Credit Billing Act ( FCBA ), 15 US Code 1666-1666j " the creditor must provide the consumer with PROOF that they were indeed late but they HAVE NOT. It also fails to comply with 15 U.S. Code 1681 " to report fair and accurate information ''. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not proven certifiable fully true, correct, complete, timely of known ownership and responsibility to the consumer. I DEMAND evidence of the investigation beyond a computer automation that simply states " Investigation is Closed '' Please provided the documentation steps required by law indicated which individuals and measures that were taking to prove the Creditor 's claims. 

I beg of you, a quick search of my credit prior to XX/XX/2022 will show my credit worthiness and consistency of on time payments and fulfillments for over 2 decades. Please eradicate any and all derogatory aspects of reporting and at the MININUM I simply request to rectify as PAID/PAID AS AGREED, NEVER LATE on the below listed accounts. These bureaus are violating multiple FCRA, FCBA laws and it is very detrimental to my credit score and putting my employment in jeopardy. I'm a XXXX XXXX XXXX XXXX XXXX XXXX and I'm sick as how errors and lack of due diligence by a creditor can easily and dramatically affect someone's financial livelihood. The companies are listed as followed - 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 In Closing, I simply asked to update the listed accounts as PAID/PAID AS AGREED, NEVER LATE or provide the required documentation under the law that a proper investigation was conducted that proves otherwise to not include a automated electronic response as " Verified As Accurate and Updated ''
Consumer complaint received 2024-01-05
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. (OH)

A {$2.00} dollar increase in one installment loan from interest decreased my overall credit score by XXXX points. 

The reporting agencies have put me into a stricter category for assessment of the credit profile and I believe that it is a conspiracy that your going to rare XXXX that crosses the XXXX XXXX instead of me. ( 4-6 months later )
Consumer complaint received 2024-06-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc. (TX)

Been calling GM FINANCIAL over a week for voluntary repossession of my wife 's and I XXXX XXXX XXXX. Talked to approximately 4 personnel in Customer Service and a Supervisor on XX/XX/XXXX ( XXXX XXXX ), she will inform their Reprocession Department for them to call us, send us disclaimer for voluntary turn in of car, as of this time, no call or documentation. XXXX XXXX told me the car will be put up for auction and whatever they did not get make our loan remaining balance, we would have to pay GM Financial that balance. The is worth according to XXXX XXXX XXXX ( {$13000.00} ) and our balance due is approximately {$20000.00}. Question, why are consumers that can not afford to pay for a product anymore due to financial hardship or medical reasons and are elderly have to pay for a product they no longer own. If GM Financial repro the car, it's their property, not ours, they should cover the balance or write it off. The elderly, who mostly living on fixed income suffers the most and especially when both my wife and I are XXXX XXXX VETERANS ( myself a XXXX XXXX XXXX XXXX XXXX. When the vehicle was purchased, the used dealership did not completely do a thorough maintenance inspection of vehicle or performed a complete detailing of vehicle. I myself did the detailing at home, inside out and done a maintenance check and a friend ( Master Mechanic ), identified the maintenance problems and I took the maintenance check list back to thXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, Texas, to becorrected. Whose gon na pay me for detailing and having the vehicle checked? Solution, no balance payment/waiver.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (AL)

I have money market and savings accounts with Discover bank.

For the last three months, I have been requesting many officers of discover bank to send me free check book, free shipping.

Being a NON-WHITE customer of discover bank, Discover bank did NOT send me even ONE check book, as mentioned above.

This is nothing but intentional discrimination and retaliation for being a non white bank customer of Discover bank.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$3900.00}.
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

On XX/XX/XXXX, I submitted a request through XXXX to be put on XXXX XXXX from the XXXX plan I have been on for years. On XX/XX/XXXX, I received an electronic message from Mohela alerting me I was denied the XXXX XXXX ; however, reason or denial was not included in the letter. As a result, I called Mohela on XX/XX/XXXX immediately after receiving this letter and was placed on hold for several hours until I finally was able to speak with a customer representative. 

The customer representative informed me that I was denied because I had not submitted supporting documentation with my application on XX/XX/XXXX ( which I was never directed to do so ). She recommended I resubmit my XXXX application verbally over the phone with her ( which I did ) and told me it would take 5-7 business days to complete. 

As part of the application I submitted on XX/XX/XXXX, I also requested to be put into administrative forbearance for one month which is required when switching from XXXX plan to XXXX XXXX. I received notification on XX/XX/XXXX I was placed into forbearance that ends on XX/XX/XXXX and that my payment after forbearance ends will be automatically set at the " level '' repayment plan which includes a payment of XXXX which I can not afford, nor did I ask to be placed onto this repayment plan. 

On XX/XX/XXXX, I received an electronic message that my request for the XXXXXXXX XXXX is delayed and will be resolved within XXXX business days. I contacted customer service representative on XX/XX/XXXX to request additional information since my forbearance ends on XX/XX/XXXX and my next payment of XXXX is unaffordable. It took XXXX minutes of being on hold to finally speak to someone. The customer representative informed me that they are experiencing delays processing the XXXX applications and that mine is still pending. She noted that if if my application has not been processed by XX/XX/XXXX, I can call back and ask to be placed on forbearance for another month so that I don't need to pay the XXXX amount. I am also a public servant hoping for public forgiveness after 10 years of repayment. I asked if these months of forbearance will count towards XXXX, and she told me no. 

I find Mohela 's customer service and communication to be extremely poor. I regret trying to change to SAVE plan and should have just remained on my XXXX plan. It's ashame this is happening. I am literally counting down the years and months that until XXXX is achieved. Now it will be delayed due to Mohela 's processing delay.
Consumer complaint received 2024-06-04
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

On XX/XX/XXXX, I noted a collections account on my credit report and made inquiry only to determine that someone was trying to obtain a lease ( in XXXX XXXX  ) under my information. I immediately reached out to the collection agency as well as to the credit reporting agencies. I was advised to file an identity theft report with the Federal Trade Commission ( FTC ) and a police report. Since I live in XXXX XXXX I had to make the report to the XXXX Police Department ( XXXX ) over the phone and file freedom of information report in order to obtain a copy of my own police report since it was not feasible for me to fly to XXXX for the report. I followed all recommendations from the FTC following the filing of my identity theft report and reached out the debt collection company as well as the XXXX credit reporting agencies. All three agencies initiated the extended fraud alert ( EFA ) on my behalf and stated the collection account would be removed. XX/XX/XXXX, I sought a personal loan and found the same debt collection agency was attempting to collect the same account previously identified, however, only XXXX had not removed the account. Upon speaking with an agent from XXXX she stated that it was true that I could only receive the XXXX if I had been a victim of identity theft, but she saw no record of my ever submitting the information informing them of the fraudulent account, and she could not tell me how the XXXX was placed without that information. So, I began the initial dispute process again within XXXX days XXXX stated the information was accurate and would remain on my report. I was then uploaded FTC identity theft report, XXXX report, copy of my driver 's license, proof of my address as well as other supporting information. I uploaded the information on XX/XX/XXXX, at approx. XXXXXXXX XXXX by XXXX XXXX I received an email from XXXX basically saying I was being dishonest, that my FTC report was fraudulent as well as my XXXX report and that they would not remove the fraudulent information from my account because it wasnt fraud. After reviewing all of my supporting documents they have determined this is my account. Even though the information relied upon from the collection agency had no identification, no signature, my name was initially misspelled, and the supporting documents only demonstrated a XXXX document with a computer generated initial and this was all that was required to determine my liability.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 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 I am no longer an Authorized user on this account. Please remove it from my credit report.