davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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. (VA)

Violations : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is emphasized that consumer reporting agencies, such as Equifax and XXXX, must carry out their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which asserts the Congress 's policy that financial institutions have an ongoing obligation to respect customer privacy.

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the consumer. As the consumer, I have not provided written consent for Equifax, XXXX, or any furnisher of information to credit agencies to disclose my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of the option to exercise nondisclosure. The furnisher of information to credit agencies did not inform me of this right. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in reports without authorization. Reporting this adverse item without my permission is a violation of the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), no person shall furnish inaccurate information to a consumer reporting agency, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. Equifax and XXXX are not adhering to these requirements. 
Finally, referring to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-09-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (TX)

On XX/XX/2022 I was approved for a payment plan to avoid becoming delinquent on my mortgage. I received a letter from Shellpoint going over the terms and a breakdown of the entire payment schedule. I completed every payment and on time as directed by Shellpoint but I found out recently that my credit took a plummet because during the entire time I was on the payment plan, making these payments, Shellpoint was reporting me late! How can they report me late when I have record of the payments made, at times even making more than the agreed on amount! This is not fair because I kept my end of the agreement and I feel they are falsely reporting information. If I had known they were still going to report me late, even though I wasn't, I would have never agreed to these terms!
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (FL)

XXXX is in violation of my consumer rights. 

List of Violations : Pursuant to the privacy act of 1974 it states no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request. 15 USC 522A 15 USC 1681b permissible purposes of consumer reports Pursuant to 16 CFR 313.7 privacy of consumer financial information 15 USC 6801 protection of non public personal information I would also like to opt out under 15 USC 6802-6805 obligation with respect to disclosures of personal information.
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. (WA)

Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

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 2023-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation (TX)

XX/XX/XXXX or XXXX used debit card for verification online. Was supposed to hold a dollar then release it. 
Began getting debits from different accounts the that I had no transactions with. 
XXXX sites charged for subscriptions. 
Called my financial institution and was advised to get in touch with the companies. Called the following day and advised them two companies had returned my funds. But I needed to go ahead and cancel card and finalize my dispute. I was told to get as much information as I could and how long it may take to get decision. Also if after ten days they are still investigating I would get a provisional credit. 
In the meantime I kelp trying to reach out to the two companies. I did get a refund from one that makes three. The last company I got there number from my statement. Okay back up on XX/XX/XXXX I got an email stating that the dispute was closed and that they found the transactions were credible. I called to ask how they found credible because I could not contact the site. The customer service team was incredibly rude to the point they were laughing at my frustration. Thats when I called the number on my transaction and found out it was their name and phone number but not their account. They even emailed me which I sent with the dispute paperwork on the XXXX of XXXX. I called yesterday since it had been ten days and I was told I needed new informations for them to review the status of the dispute and they werent changing their decision even though the company XXXX emailed stating it was not them. Also I told them three of the four refunded me. I also still have the email from the merchant stating that the information my financial institution have is not correct so how did they verify it is credible? The financial institution is XXXX XXXX XXXX  or The Card as some know. The amount of the transaction was XXXX. There are screenshots enclosed. I was trying to get resolved before XXXX as I needed the funds for gas company and we have been without heat for awhile.
Consumer complaint received 2023-08-25
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Reference : XXXX XXXX XXXX  acct # XXXX ; CFPB XXXX ; NC DOJ File XXXX XXXX, XXXX NC DOJ Consumer Protection Specialist XXXX XXXX ; and XXXX XXXX XXXXXXXX Case XXXX XXXX XXXX XXXX XXXXXXXX XXXX Regulatory Resolution Specialists XXXX XXXX and XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I notified XXXX, XXXX, Experian, and XXXX XXXX XXXX that I recognized incomplete and inaccurate information pertaining to my credit report and requested a re-investigation. The results were verified as accurate despite my countless attempts to resolve the concern. XXXX XXXX XXXXXXXX Regulatory Resolution Specialist XXXX XXXX called me on XX/XX/XXXX around XXXXXXXX XXXX est to discuss the complaints I filed with the CFPB and NC attorney generals office. She confirmed XX/XX/XXXX payment indeed was not 30 days late, and they were in receipt of payment as of XX/XX/XXXX, which means XXXX XXXX XXXXXXXX, XXXX, XXXX, and Experian were in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In fact, she also confirmed the accommodation [ defined by 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ) ] I received from XXXX XXXX XXXXXXXX was honored and in effect during the timeframe I was reported 30 days late after they were in receipt of federal/state funds from Crisis and North Carolina Homeowner Assistance Fund ( NCHAF ) in XXXX. The funding was given due to my being affected by Covid-19. According to 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( ( II ) ( ii ) ( I ), XXXX XXXX XXXX violated my rights by inaccurately reporting this account as 30 days late XX/XX/XXXX and XX/XX/XXXX. Lastly, I previously provided copies of my ID, SS card, and utility bill to each credit reporting agency and requested my personal information be corrected. However, there are still multiple errors, such as variations or misspellings of my name, multiple addresses or errors to my addresses, and my employer information. I contacted each of my creditors, who advised me they had my correct legal name and address. These errors have caused me so much anguish and damage, such as having to pay XXXX  of dollars in interest, being denied credit, being denied the ability to refinance, and much more. Had XXXX, XXXX, and Experian completed a VALID re-investigation, this would not have affected me as greatly.
Consumer complaint received 2024-06-12
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. (NY)

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records.I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular accounts position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct these accounts which are incorrect from my personal credit file : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$3000.00}.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Reference : XXXXXXXX XXXX XXXXXXXX acct # XXXX ; CFPB XXXX ; NC DOJ XXXX XXXX XXXX, POC NC DOJ Consumer Protection Specialist XXXX XXXX ; and XXXX XXXX XXXXXXXX XXXX XXXX XXXX POC XXXX XXXX XXXXXXXX Regulatory Resolution Specialists XXXX XXXX and XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I notified XXXX, Equifax, XXXX, and XXXX XXXX XXXX that I recognized incomplete and inaccurate information pertaining to my credit report and requested a re-investigation. The results were verified as accurate despite my countless attempts to resolve the concern. XXXX XXXX  XXXX Regulatory Resolution Specialist XXXX XXXX called me on XX/XX/XXXX around XXXX pm est to discuss the complaints I filed with the CFPB and NC attorney generals office. She confirmed XX/XX/XXXX payment indeed was not 30 days late, and they were in receipt of payment as of XX/XX/XXXX, which means XXXX  XXXX XXXX, XXXX, Equifax, and XXXX were in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In fact, she also confirmed the accommodation [ defined by 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ) ] I received from XXXX XXXX XXXXXXXX was honored and in effect during the timeframe I was reported 30 days late after they were in receipt of federal/state funds from Crisis and North Carolina Homeowner Assistance Fund ( NCHAF ) in XXXX. The funding was given due to my being affected by Covid-19. According to 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( ( II ) ( ii ) ( I ), XXXX XXXX XXXX violated my rights by inaccurately reporting this account as 30 days late XX/XX/XXXX and XX/XX/XXXX. Lastly, I previously provided copies of my ID, SS card, and utility bill to each credit reporting agency and requested my personal information be corrected. However, there are still multiple errors, such as variations or misspellings of my name, multiple addresses or errors to my addresses, and my employer information. I contacted each of my creditors, who advised me they had my correct legal name and address. These errors have caused me so much anguish and damage, such as having to pay thousands of dollars in interest, being denied credit, being denied the ability to refinance, and much more. Had XXXX, Equifax, and XXXX completed a VALID re-investigation, this would not have affected me as greatly.
Consumer complaint received 2023-09-21
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. (OH)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

This regarding claim number XXXX ' on a feature/benefit ( 'Extended Warranty ), which I have on my card where my claim has been rejected twice with rationale that the company ( Amex ) can't provide any support nor being rationale. 

First was rejected due to original manufacturer warranty only 30 days. When asked amex for documentation, the company rejected second claim your warranty is not valid in the United States XXXX, District of Columbia, or its territories or possessions. Please note the company ( XXXX XXXX ) and retail distributor is based from New york. Amex has failed it's fiduciary duty and sending false information.
Consumer complaint received 2023-11-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I received loan forgiveness through the XXXX XXXX XXXX XXXX. However, Navient has continuously denied that my loans couldnt be forgiven due to this since they are private. I have sent letters and filled out discharge paperwork for schools that have closed as well. This has gone on for the past XXXX years, without any type of resolution except threats for delinquency. Prior, to my XXXX XXXX being approved for the federal loans to I was paying for the private ones. I dont believe I should still be paying a loan that XXXX wasnt needed at the time of my enrollment but due to the predatory practices of the school was taken out. XXXX. I shouldnt be paying for loans for a campus that is now closed due to those same practices. Theres no way, that a loan that originated as {$5000.00} is now over $ XXXX for schooling from XXXX ago.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (GA)

My name is XXXX 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 reports no consent is fraud.
Consumer complaint received 2024-05-11
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. (MA)

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THATI HAD XXXX ( XXXX ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF XXXX ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATEON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. 
IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Consumer complaint received 2023-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

There 3 alleged debts under my name and credit report with Portfolio Recovery Associates. Since the first alleged debt was bought by Portfolio Recovery Associates over 5 years ago. I have Requested NUMEROUS times ( via mail, phone ) on all XXXX alleged debts that they validate, verify and provide me with the original purchase agreement baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all XXXX credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They also sued me for XXXX alleged debt after the statute of limitations had expired in the State I reside in, i did not know about this suit and a judgment was ultimately ordered in their favor. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (VA)

I have received several calls from IC Systems regarding a balance they claim I owe to XXXX. I have repeatedly told their office and prior collection companies that the internet service was cancelled/paid in full when I moved. I have requested validation MULTIPLE times by phone and in writing over the last 6 months. They have ignored my request and continued to report this to the credit bureau. This has caused a lot of frustration as it made my credit score drop by XXXX points and has disqualified me from being approved for a loan. This company has violated my consumer rights by failing to adhere to the FDCPA and FCRA regulations. My next step is to file a lawsuit and attorney general complaint against this company. They need to remove this erroneous tradeline from my credit report immediately.