davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (FL)

My name is XXXX XXXX and I am a XXXX XXXX XXXX  XXXX  and my credit is my life. beginning of XXXX a collection arised for XXXX but being reported on my credit as Enhanced Recovery Co L. I immediately called XXXX and they stated it was because of a box that wasn't returned. I went to XXXX and returned the box to XXXX on XX/XX/2023 at XXXX XXXX. I also will attached the receipt. I then called and notified them that this was turned in along with the receipt information. They assured me this would be removed from my credit within 15 days. It was not removed 15 days later and I called back again. Then I was told this would be handled immediately and they were truly sorry for what this was doing to my credit as I needed a business loan that the bank wouldn't now give me. well today is XX/XX/2023 and the item is still reporting to all three credit bureaus. This is 60 days later and nothing still has been done or removed. My credit is the only that I have to back me and my business and I have lost out on over {$40000.00} worth of loans and credit opportunity because of this issue that they wont rectify
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (TX)

In the begginning of XXXX claim i did not recieve {$18000.00}, due to change of address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX. At the time i was in a real bad relationship that almost took my life, so that is why i made a sudden move. So the U.S. Bank Reliacard was sent to this address but i never recieved anything unfortunately. 
I called XXXX and notified of my move and they updated it in the system to my new address at the time which was XXXX XXXX XXXX XXXX XXXX, tx XXXX. I was there very briefly because my ex found out where i was at and quickly made problems for me and i was afraid for my life. Again at that point i called to notify XXXX and U.S. Bank Reliacard about what was happening and i was told they would note the account of what was occurring and i moved again for the final time, thank god to a very safe environment where i finally got some sanity.The address was updated to XXXXXXXX XXXX XXXX XXXX XXXX XXXX, tx. XXXX and i still live there today and safe. So now U.S. bank has closed the account and still has the funds and only tells me to contact XXXX, same story different day and going in circles all this time and no progress has been made as far as im concerned. 
Im hoping this is resolved soon, because its been a headache and heartache knowing that on the end of XXXX it shows they paid out the funds to me but never did because reliacard never issued another card or sent another card to me of the remaining balance of {$18000.00}
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. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report.

Incorrect credit reporting, I have an account that is not correctly reported.

Account Name : XXXX XXXX XXXX Account number : XXXX you have this account as closed with a balance of {$10000.00}. but this account is fully paid-off and balance on it should be {$00.00}
Consumer complaint received 2023-09-20
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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. (IL)

Company Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX I am writing to dispute fraudulent items listed on my credit report. I have reached out to all reporting agencies in reference to this matter, and nothing has been resolved. I reported this matter to the Federal Trade Commission and I also filed an Affidavit to this complaint. Please be advised that this UNVERIFIED account remain on my credit profile. I have yet to receive a 1099-C for about a charge off account that I have no records of nor have I received any documentation from the original creditor in reference to this account. This reporting agency continue to validate this account but yet to send over the proper documentation verifying that this account actually belongs to be. Im asking that this account gets removed immediately off my credit report. This account is affecting my image and reputation. Please remove this account immediately
Consumer complaint received 2024-04-26
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. (SC)

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 2024-09-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (TX)

I have had insurance my whole adulthood, and If I ever went to the hospital or doctor, I used my insurance. They saying I went to the hospital ; I don't remember the date. I have asked for numerous of proof and nothing have been sent except collection letters.
Consumer complaint received 2023-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I was successful at meeting my previous modification terms. 
I was advised to try GA Mortgage Assistance Program ( Marred by a frasulent process ) via several representatives, however was informed this program was. In XXXX I turned in the notarized and signed modification apication, however went through many months uncertainty as I was not allowed to make payment on the mortgage. The representative asked if I had reserves to pay XXXX, XXXX, XXXX, etc, which I was able to confirm. 

I proceeded to XXXX XXXX to endorse the application for the medication. As I've mentioned before, I was never able to verify the modifications existance by looking in my electronic file. Currently am in forclosure, Investors have bombarded me for the last 4 months with hundreds of Robotic phone calls, Notes on my door, money left at my door and going as far as peeping in my windows. 
This has been a traumatic experience for me, and I have been on the edge.
Consumer complaint received 2024-04-26
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)

XXXX XXXX XXXX  is not my account. This account is showing as a collection on my credit report. 

I had a XXXX account before but that account is current and active. Opened XX/XX/XXXX Not sure where XXXX XXXX XXXX  Opened XX/XX/XXXX Pursuit to 18 USC 8. I owe no debt. This Company is violating my constitutional rights to privacy pursuant to 15 USC 168 1b 2. Company has NO permission to report ANYTHING using my info pursue it to 15USC1681 4 I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-09-17
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: EQUIFAX, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-07-03
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 — Was not notified of investigation status or results
Company: TRANSWORLD SYSTEMS INC (NV)

In XX/XX/2019, I received an opened letter from Transworld Systems Inc due to it being misdelivered to another adress and immediately sent them ( Transworld Systems Inc ) a debt validation letter. Transworld Systems Inc received my letter of debt validation as evidenced by attached Certified Mail Receipt. To date, I have not received validation of debt from Transworld Systems Inc via mail nor by phone and the negative entry remains on my credit files ( XXXX, XXXX and XXXX ). Due to Transworld Systems Inc 's failure to validate debt and failure to respond in an appropriate amount of time, I am requesting immediate removal of their negative entry from my credit files immediately due to Fair Debt Collection Practices Act violations.
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. (NY)

EXPERIAN is permitting soft inquires by others while my report is under a security freeze since XX/XX/2022. I have previously asked this company for a reason and explanation for permitting the soft inquires and they have not answered. This is in violation of the FCRA.

I have simplified my questions to yes or no so the company can easily answer.

Are the soft inquiries for the purpose to establish the illusion of debt owed by me?

yes or no Are the soft inquiries for the purpose to establish that I have a business contractual relationship with these entities and agency?

yes or no Are the soft inquiries for the purpose to establish a global cross link data sharing and social credit score in the US similar to XXXX 's? ( related to the SSA 4 inquiry ) yes or no Did EXPERIAN get permission to allow the soft inquiries? 
yes or no if yes then who gave it? 

Is there an opt out or procedure for me to revoke my permission for your credit bureau to report on me? 
yes or no
Consumer complaint received 2024-04-26
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. (NY)

I am writing to report inaccurate information on my credit report from XXXX XXXX, account number beginning with XXXX. The report incorrectly lists late payments on this account. I have consistently made my payments on time and have never missed a due date. I previously disputed these inaccurate late payments with the credit bureau Experian, but their investigation was unsatisfactory. In order to substantiate my claim. I request that this inaccurate information be completely removed from my credit report, as it is negatively impacting my credit score.
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: OneMain Finance Corporation (FL)

I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and seek your assistance in addressing a number of concerns regarding an entry that appears on my credit report.

After obtaining a copy of my XXXX credit report I am writing to dispute ( 3 ) inaccurate pieces of information as it relates to the One Main Financial entry.

# 1 - I want to clarify that One Main Financial was paid in full and on time with XXXX XXXX late payment. This late payment occurred during the Covid-19 global pandemic in XX/XX/XXXX. Although I made every attempt to pay on time, when I realized I was unable to do so, I reached out to One Main Financial to request a deferred payment arrangement.

Once I made this request, I waited patiently for One Main Financial to respond to my request. During the extended response time for my deferment approval my payment became due.

I explained to the One Main Financial representative that I was impacted by the Covid-19 global pandemic and believed the CARES Act was supposed to prevent creditors from reporting late payments to credit reporting companies during the Covid-19 crisis.

The rep I initially spoke to on the phone said under the circumstances, One Main Financial was forgoing reporting late payments to the credit bureau due to their prolonged deferment request process. Therefore, I do not believe the 30-day late payment that was reported by One Main Financial was done so in good faith.

One Main Financial eventually approved the deferment but their delay in processing my request forced me to incur a 30-day late payment. I failed at my attempts to clear this matter up with them.

Currently, this One Main Financial entry is the only blemish that occurred on my credit report during the Covid-19 global pandemic. This entry inaccurately affects my current creditworthiness and continues to cause me financial hardship as I can not seek other loan approvals. 

# XXXX Around XX/XX/XXXX I paid the account in full ahead of its scheduled pay off date. However, as of XX/XX/XXXX, the current status shows paid, closed, despite the fact the account was " paid in full. '' # 3 - Also, the account number reported by One Main Financial on the XXXX credit report does not accurately reflect the account number I opened for this account.

Despite my efforts to resolve this issue directly with One Main Financial by requesting they remove this inaccurately reported account from my XXXX credit report, the inaccuracies remain. This One Main Financial account is still being inaccurately reported on my credit report as of the time of this writing.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXX XXXX XXXX XXXX Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$59.00} {$59.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Inactive account Account has been closed due to inactivity. 
Closed or paid account/XXXX  XXXX Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-25
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (NY)

The late payments in question violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 15 U.S. Code 1681b, which mandate accurate reporting of credit information and disclosure of permissible purposes for accessing credit reports. Additionally, the creditor 's actions may be in violation of 15 U.S. Code 1666b, which prohibits creditors from treating credit card payments as late under certain circumstances.

Despite my attempts to rectify the situation directly with the creditor, the late payments remain on my credit report, causing undue financial harm and impeding my ability to access credit on fair terms. I am reporting this because I want to ensure compliance with federal regulations governing credit reporting and lending practices. 

1. DEPT OF ED/XXXX XXXX  XXXX XXXX. DOE XXXX XXXX XXXXXXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX
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. (NV)

" Your agency is in violation!

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.

Delete this at once! '' DP OF EDUC - XXXX DP OF EDUC - XXXX XXXX XXXX - XXXX {$5700.00} XXXX XXXX XXXXXXXX {$5700.00} XXXX - XXXX XXXX - XXXX DOE XXXX - XXXX DOE XXXX XXXX XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX XXXX XXXX DOE XXXX XXXX XXXX DOE XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-11-07
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. (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. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (MO)

Once again, American Express has suspended my access to my BlueBird and Serve prepaid cards which is an automatic action their algorithm does. 

They sent an email like last time ( see previous CFPB complaint in which they reactivated my cards ) requesting me to provide verification of my ownership of an external debit card ( a XXXX XXXX  debit card, supported by XXXX XXXX  partner institution XXXXXXXX XXXX XXXX that I linked to my Serve account. 

This request cant be answered as it requires me to log in to my online account for my Serve account which also gets suspended when the card is. There is therefore *NO* way to resolve the issue with them. 

The violation their system is detecting is use of their card for creating spend which I am absolutely not doing. 

I will attach the requested verification documents to this case. 

Serve card number : XXXX Bluebird card number : XXXX