davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
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: Experian Information Solutions Inc. (NJ)

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NY)

To Whom it may Concern, Please be advised that I am writing to you in regards to XXXX XXXX XXXX. I signed up with them to consolidate my credit card debt, as was explained to me by telephone. They explained to me that they would pay off my debt and I would pay them 1 month sum. Its been 2 months since I signed with them and not only has my credit dropped substantially but they havent paid off my cards. I am not in a good way as I am on XXXX and have about XXXX XXXX  between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked up my account with them and it states that they do not have one for me and now there isnt even a working phone number to call and their website states temporarily closed. Please help me resolve this as I believe they are stealing my money and not doing what I was told they would and now my credit is completely messed up. They did not send anything for me to sign as I was told they were recording the call. Thank you for understanding and taking the time to read this and help me. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
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. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
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. (MI)

Upon checking all three of my credit reports I noticed a few accounts XXXX XXXX opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX that are fraudulent that i never gave permission to run my credit. As well as inquiries from XXXX, XXXX XXXX, and experian business credit. These things are unfair and voilating my credit laws according to the FCRA. I demand these items to be removed and deleted immediately.
Consumer complaint received 2023-08-04
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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. (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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2021-04-05
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. (VI)

XXXX XXXX XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus on my credit report. I have written to XXXX popular many times and they told me that they were going to fix it because they made the mistake. It has been over 6 months now and they still have not fixed it. The bank representatives that I had spoken to at XXXX XXXX XXXX, is miss XXXX XXXX and XXXX XXXX. I am hereby asking them to please fix or delete this derogatory item from my credit files/report.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

I had disputed a transaction with paypal and it was suppose to show up in my paypal balance but it never did. I even originally made the payment from my paypal balance but they system glitched and sent it to a closed XXXX  account I used to have. I have emails from XXXX  stating that they reversed the funds and sent it back to paypal so that it will be in my paypal balance but paypal saying they never received my money. So both XXXX  and paypal have not put my {$510.00} back in my paypal balance. All I been getting is the run around even when I provide proof and I couldnt even get a provisional credit until they find out whats going on. I have kids to feed and bills to pay, but XXXX  or paypal isnt giving me my money. Ive been waiting extremely long and none of the reps on either side has helped. Please help me get my {$510.00} back from either paypal or XXXX. Thanks CFPB.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX TEXAS XXXX XXXX XXXX XXXX, XXXX, GEORGIA XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX My only date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX XXXX
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. (GA)

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

and list of Inquiries. 

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 2021-04-05
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: EQUIFAX, INC. (VI)

XXXX XXXX XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus on my credit report. I have written to XXXX popular many times and they told me that they were going to fix it because they made the mistake. It has been over 6 months now and they still have not fixed it. The bank representatives that I had spoken to at XXXX XXXX XXXXi, is miss XXXX XXXX and XXXX XXXX. I am hereby asking them to please fix or delete this derogatory item from my credit files/report.
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. (NJ)

Mortgage is not escrowed. Insurance company for a period of a month and few days, XXXX to XXXX 2023, like most insurance companies, of late, out of nowhere dropped insurance on property without due cause. In that time period a new insurance company and policy had to be secured and was secured. The {$670.00} mortgage payment for XXXX, XXXX and XXXX has been paid. This matter is being disputed with all credit bureaus but credit bureaus are only contacting customer service and the matter goes much deeper than getting a customer service rep to pull up the acct on screen and saying yes the mortgage is owed. A deeper dive into the history of this problem needs to be done. XXXX XXXX rep XXXX XXXX for further information. The run of the mill service rep at the XXXX number can not provide accurate information regarding this issue. A dispute will continue to be filed until this matter is favorably resolved.
Consumer complaint received 2021-04-05
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. (VI)

XXXX XXXX XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus on my credit report. I have written to XXXX popular many times and they told me that they were going to fix it because they made the mistake. It has been over 6 months now and they still have not fixed it. The bank representatives that I had spoken to at XXXX XXXX Vi, is miss XXXX XXXX and XXXX XXXX. I am hereby asking them to please fix or delete this derogatory item from my credit files/report.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Siwell Inc (VI)

I am requesting that the complaint I filed with Capital Mortgage Services of Texas ( NMLS # XXXX ) be re-opened and investigated ( Complaint Number XXXX ). The reason I am requesting is that their response was not accurate based on the following additional information I am providing below. 

1. Today, Capital Mortgage funded a mortgage for XXXX XXXX XXXX. This home is in the same Condo home owners association as the property I am under contract to purchase. 
2. The loan was opened in their system on XX/XX/20. That is when they received this information.
Consumer complaint received 2024-04-27
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: NAVY FEDERAL CREDIT UNION (GA)

navy federal credit union is reporting a late payment on XX/XX/2022 for a credit card payment I never paid late and always paid as agreed. I have contacted the numerous times to correct the information and I have not received any updates. its been months and this is severely impacting my ability to buy a house for my family... any help would be greatly appreciated!
Consumer complaint received 2023-12-21
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I purchased a sleep number bed in XXXX of XXXX at the time of the purchase i entered into a purchase arrangement which provided three year financing at 0 % interest ; which was provided by Synchrony Bank . I paid {$200.00} to Synchrony and then set up my checking account for auto-pay so that the specific monthly payments could be deducted from my banking account by Synchrony. Instead of deducting the monthly payment amount, Synchrony deducted the full purchase price, {$4600.00}, from my account. ( this was NOT what i agreed to ). Since then, i have had multiple conversations with Synchrony in which they indicate that in fact it was an error on their end and they would be sending me a refund check. To this day, no refund check has been received by me, although they claim that a check had been issued XX/XX/XXXX, ( this was after three months of monthly multiple hour long calls ) Today, XXXX i again called Synchrony and now i am being told they have to " investigate '' what might have happened, as they cant confirm that i didnt cash the check? Really,?!! i would be concerned about their banking systems if they couldnt immediately see that a check they had written almost a month ago had or had not been cashed. without needing an investigation. So, here again, i still dont have my refund and now they dont know when i will since they dont know how long their " investigation '' will take. If i had in fact deposited the check, by claiming that i hadn't, i would be committing fraud. I find their ongoing stories and lack of refunding me money which i am owed for several months is something a regulatory agency should be aware of. Shows to me that they dont have a good handle on how they handle payments and/or they are trying to hold onto my money as long as possible without paying me interest. It should not take this much effort to receive a refund which i have been due for several months. And its surprising that the statements dont get " lost in the mail '' but their refund check does. Something doesnt seem right.
Consumer complaint received 2023-12-02
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. (TX)

Re : Second Complaint Regarding Unverified and Inaccurate Collection Accounts on Credit Reports I am writing to file a follow-up complaint concerning multiple collection accounts that have been inaccurately and inconsistently reported on my credit reports by Equifax, XXXX, and XXXX. This letter serves as a continuation of my efforts to resolve these discrepancies, as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The accounts in question are : 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/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDEPT OF EDXXXX XXXX/DEPT OF XXXX XXXX XXXX EDXXXX XXXX/DEPT OF XXXX XXXX/DEPT OF EDXXXX XXXX/DEPT OF XXXX XXXX/DEPT OF ED29959611XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify these inaccuracies, including direct disputes with the aforementioned credit bureaus and the collection agencies, the errors persist. Each credit bureau reports different information about these same accounts, which is a clear indication of inaccurate reporting and a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Under 15 U.S.C. 1681i, I have the right to challenge inaccurate information in my credit report, and the credit reporting agencies are legally obligated to conduct a reasonable investigation into these disputes. However, the responses to my previous disputes have been unsatisfactory, and the inaccuracies remain unaddressed. 

According to 15 USC 1681 : I HAVE THE RIGHT TO PRVACY AND I DID NOT GIVE EQUIFAX, XXXX OR XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

On XX/XX/2022 I closed my account with Mountain America Credit Union. A few days latter the account was reopened to pay a new charge, because the reopened account had no money in it it was also charged for insufficient funds. The reopening of the account was done without my permission. After finally being informed of the charges to the closed account I called the credit union in an attempt to clear up the situation, but was told the only solution would be for me to pay the charges as well as the insufficient fees, because I refused to pay them the debt was sent to collections and is harming my credit score.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VI)

I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY ID, AND A UTILITY BILL FOR FURTHER VERIFICATION.