davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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. (UT)

I recently mailed a certified letter to Experian requesting an early removal of an account from my credit report that was scheduled to be removed in XX/XX/2024. Instead of accurately processing this request, Experian altered my payment history and changed the scheduled removal date to XX/XX/2024. This update significantly impacted my credit score negatively.

Upon calling the dispute center, I have been given conflicting information, and it appears that someone is manipulating my credit information. My account now indicates a late payment from two months ago, which is inaccurate as there are no accounts showing any missed payments. 

This situation has been ongoing since XXXX, and despite multiple attempts to resolve it, Experian has failed to address the issue properly. Their staff 's inconsistent and unprofessional handling is unacceptable. If this issue is not resolved correctly and promptly, I will pursue legal action. 

Thank you for your attention to this matter. Experian Membership ID : XXXX
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (AK)

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 Account # XXXX Account name : XXXX account number XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number 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 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. furthermore XXXX XXXX  Account number XXXX is violating15.u.s.c 1692g. and account name : XXXX  account number XXXX is reporting as charged off has a balance and has conflicting dates of last activity. which is XXXX more violations of the FCRA. If Experian continues to violate my rights i will be forced to take them to court and ask for a judgement of {$1000.00} for each violation
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was on XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Report and needs to update immediately : XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2024-04-17
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. (CO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-15
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. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$17000.00} Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX : Balance : {$3600.00} Account Name : XXXXXXXX XXXX, XXXX # XXXX : Balance : {$5500.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$4900.00} Account Name : XXXX XXXX XXXX # XXXX Unauthorized Inquiries XXXX XXXXXXXX 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/XXXX
Consumer complaint received 2024-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not recognize these credit inquiries. I have asked Transunion and XXXX to delete these inquiries but the bureaus did not do as I asked. I am providing an Identity theft report and I am asking that you remove these inquiries. These inquiries are inaccurate and are not mine. I demand that these inquiries be removed from my credit report.
Consumer complaint received 2023-04-04
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Nelnet, Inc. (OH)

XXXX XXXX XX/XX/2024 Re : Disputing error [ s ] on credit report Dear U.S. DEPARTMENT OF EDUCATION I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Dispute : Account Number or other information to identify account Dates associated with item being disputed Explanation of item being disputed The report shows I currently owe money to your company that I have already repaid. 



The date of first delinquency on my report is not accurate My student loan shows a period of delinquency when I was actually in an income-driven repayment plan. 



Harassment : If the collector uses abusive language, calls at unreasonable hours, or engages in any form of harassment. 

False Information : If they provide false information about the debt, such as the amount owed or claiming to be affiliated with law enforcement. 

Failure to Validate Debt : If they fail to provide a proper validation notice or do not validate the debt upon your request. 

Improper Communication : If they contact you after you've requested that they stop communication or if they share information about your debt with third parties without your consent. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IN)

I had opened an account with Venmo. I have added money to the account with my debit card. I have paid bills with the account. I opened a XXXX  account for my daughter With that, they had to release the previous phone number so that way, she could use her phone number with venmo. I then requested.They released my son 's phone number because it was linked to someone else 's account and it's a new phone number. Fast forward a few days later, my daughter have downloaded the app to another phone.Reset her password and I was trying to send her money and it was being declined. Next thing I knew XXXX minutes later. I get an email that her account is suspended and mine is frozen. As submitted the documents they wanted, even though I don't understand how that's helpful because I'm allowed to change my password, so is my child, I don't understand how that goes against their policies? I got a response to the ticket about releasing the phone number.That 's linked to my son 's teen account, and they inform me that they are permanently suspending my account and holding my money for 180 days. When I called, they informed me that I do not have a say so in the matter and that this is permanent and they will not talk to me anymore. That they dont have comply with federal regulations. 
They are holding XXXX XXXX XXXX XXXX XXXX, causing severe emotional and financial harm. Because that is all the money that I have.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NJ)

I am a XXXX XXXX  employee. On XX/XX/XXXX, I enrolled in XXXX 's XXXX program through XXXX, the fXXXX XXXX XXXX XXXX XXXX program. As part of XXXX XXXX 's program I can invest in an XXXX. The only option permitted by XXXX XXXX to manage and run the XXXX account is XXXX Bank, a division of Webster Bank XXXX. 

Up until this point, XXXX Bank has collected the money that I set aside for my XXXX savings, then allowed me to transfer the funds to either XXXX or XXXX  for my own management of the XXXX funds. XXXX offers no fees on management of an XXXX account, and users must only pay the fee of whatever wide variety of options of mutual funds or stocks they choose to invest in, and there are thousands of choices available for customers ( in most cases, very low fees close to 0.02 % for a mutual fund that tracks the XXXX & XXXX XXXX. ) However, on XX/XX/XXXXXXXX XXXX 2024, I received an email from XXXX  Bank that stated that all customers must, starting from XX/XX/XXXX, invest their funds through an investment platform called " XXXX XXXX '' which charges a flat management fee between 0.1 % - 0.35 %, between 5x and 17x as much as the current management fees. Thus far, XXXX  Bank has not provided consumers with any information about what investment options will be available to them. Therefore, we are being forced to pay higher fees for completely unknown investment options. 

In addition, XXXX  Bank will no longer allow us to make changes within our XXXX accounts. I am only permitted to sell my holdings in XXXX and transfer the money back to XXXX  Bank if I want the money to remain invested. 

These changes are blatant profit-grab from XXXX  Bank that reduces consumer choice and control, and increases junk fees for what thus far appears to be worse options. This is blatantly anti-consumer behavior. As a XXXX  employee, I have no other choices for management of my XXXX.
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MN)

XX/XX/2023 I file a dispute with inaccurate debts and unknown inquires on my XXXX XXXX XXXX and experian hvae not respond yet I patiently waited now its been 6 months and still no change
Consumer complaint received 2024-08-09
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: ENCORE CAPITAL GROUP INC. (NY)

The company did not address the illegal Actions. That they did they illegal sued me and not letting me talk to anyone including there own Attorneys. Is braking ny state laws I will be going to the Attorney general 's office and also counter suing for XXXX XXXX dollars. Breaking the law by not talking to me about the situation. Allowing me to know who they are, what they are, and allowing me to see if I owed the money and to see if I can make the payments to them. New York State law state state. Anyone claiming to try to collect a debt can not refuse to talk 2. Did person that they are trying to Claim the debt from. This is a formal letter and statement to all parties involved, including the attorney that they have obtained that I will be taking them to court and suing all parties involved for breaking the law. Not only breaking the law by not talking to me, but breaking the law. Because you were supposed to Sue me within 3 years, and it was after the 3 years when the lawsuit was put in New york state says you have up 3 years. I will be suing for XXXX because I'm not looking to be come rich. I'm looking to make sure people don't keep on breaking the law. Now we'll win because I have all the proof that you guys all broke the law and still in charge me more. Not only that, the original lawsuit add only one credit Amount on it, and I somehow was able to get a second amount put on there after already put in. That's illegal. You can't at Sue twice, then if you're not going to Sue the first time for all, you can not just change the amount on a lawsuit you have to include all stuff when you put in your lawsuit. That was breaking a lot too. You can't just add money to a lawsuit. The lawsuit is already set in stone once you fill out the paperwork and hand it in, so therefore your attorney had to put in for a new lawsuit and it would be a separate suite , not the same. It did not address what I actually already wrote to you guys so I will see you in XXXX supreme court, because the court here is breaking the law by now allowing me to talk to anybody there and and tell me who signed off on your False Lawsuit and your attorneys refused to talk to me so I can even tempt to make contact to know What this lawsuit was about who is for where you guys got this information, and not only that, I don't owe anybody, that's on this lawsuit, anything I only oh, according to you, the original Creditor which means I don ' owe Midland credit anything or there attorney Because I don't owe them.I owe the original Creditor they Can sue me if they want to not my fault That you buy Debt illegally and sue illegal. If any money comes out of my bank account or my check at all, I'll be suing for interest on top of that as well, because I don't owe you a XXXX dime.Since nobody can talk to me about this and sue after the XXXX year mark, I will see you guys in court.
Consumer complaint received 2023-04-04
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open XXXX XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}, and DEPT OF EDUCATIONXXXX XXXXXXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}. Please remove this account ASAP as this was result of fraud.
Consumer complaint received 2024-08-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: All State Credit Bureau, Inc. (MI)

I have recently discovered that Allstate Credit Bureau accessed my credit report without my consent. According to the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), any entity must have a permissible purpose to pull a consumer 's credit report. Since Allstate Credit Bureau is not the original creditor with whom I have an account or any existing financial relationship, their action to pull my credit report without authorization is a violation of these regulations. 

Collection Entry Dispute : Additionally, I have noticed that a collection entry has been added to my credit file by Allstate Credit Bureau. However, it is important to note that Allstate Credit Bureau is not the original creditor for this debt. As such, Allstate Credit Bureau is required to provide verifiable information regarding the debt in question, including proof of ownership and the details of the original creditor, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

In light of these issues, I request that : Immediate Removal of Unauthorized Inquiry : The unauthorized credit inquiry made by Allstate Credit Bureau be removed from my credit report. 

XXXX of XXXX XXXX : Allstate Credit Bureau provides verifiable information to substantiate the collection entry on my credit file. If they are unable to provide this information, the collection entry should be removed. 

I
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent Accounts and inquiries on all Three Credit Reports. 

Accounts 1. XXXX XXXX {$150.00} 2. XXXX XXXX XXXX {$10000.00} 3. XXXX XXXX XXXX {$18000.00} 4. XXXX XXXX {$1200.00} 5. XXXX XXXX XXXX {$16000.00} Inquiries 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (WI)

Today XX/XX/24 I received an email that an account was opened by Chime and they were requesting a deposit to finalize my account opening. I did not initiate this. I called and they had my correct ssn, my maiden name and a previous address. Chime needs to do a better job of verifying identity before opening an account to prevent fraud.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ECMC GROUP, INC. (VA)

I have continued to dispute the information from ECMC and Michigan Guaranty with the following statement : " I dispute all of the above. Fraud : no evidence I took out a loan or made a payment in XXXX or ever. I never received a bill in the mail, verification of loan documents with wet ink signature, supposed school I attended, etc. Please delete this. '' They used to take it off my report, but it keeps reappearing with these 2 loan servicing liars putting it back on as a new loan each time. It also used to be XXXX. To this date, I have never received a bill or any documentation from these companies for any fake loans in XXXX they claim I took out. I was never in school at this time. 

Lastly, the 3 agencies will not allow consumers to protect their identity using a XXXX.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc. (NJ)

I had an account with Avant ( Credit Card ) this account was charged off on XX/XX/XXXX per the attached account summary. I've requested the 1099-C from Avant and received no responds. Then in XXXX of XXXX I started to received request for payment from a third party debt collector. Resurgent they claim that they manage the account for XXXX XXXX XXXX. I requested from Resurgent the following UCC compliance Article 2 : Clarity of Contract Terms and Article 9 : Transparency of Debt Ownership along with FDCPA adherence Section 808 ( b ) : Licensing and Registration, Section 807 : Prohibiting Deceptive Misrepresentations and Section 809 : Validation of Debts. What I received was XXXX account summaries both for the month of XXXX which is questionable, both summaries have a payment due date for XXXX XXXX but the Transaction Dates and Posted Dates are different. But it's clear that in XX/XX/XXXX the account was charged off for the full amount including finance charges that are almost the same amount of the actual charges. I should have received the 1099-C to this date I've not received it. 
Then in XXXX XXXX Avant sent a letter stating that this account was sold to XXXX XXXX XXXX on XX/XX/XXXX. Avant had no right to sell my information to XXXX and Avant has no right to sell an account that they charged off back in XXXX of XXXX. This is unlawful Avant charged off an account and then sold the account to a third party debit collector, Avant received payment twice for this account, this is also IRS XXXX Tax fraud. Not to mention a violation of my right.