davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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. (CA)

XXXX XXXX continues to report late payments on two accounts that I had with them with an exceptional payment history. I have recently resolved a different matter with them though they closed ALL of my accounts prior to a favorable resolution. The late payments in question are reflected in the year 2019. I have made several requests for proof of the late payments from XXXX XXXX to no avail. XXXX XXXX has not only ignored my requests but has erroneously " updated '' my credit report by simply moving the months in question around by a month or two.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my FEDLOAN  - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

Dear, XXXX I received a copy of my credit report and I have found the following items listed below to be in error. Account Name- XXXX XXXX XXXX XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, XXXX OR NAVY FEDERAL any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX has caused severe stress and XXXX due to the abusive and unfair practices. This account is also is be reported as late when I never was never late on any payments. NAVY FEDERAL even acknowledges the fact I wasn't late on any payments based on the fact they are reporting the account as never later/paid on time. This is a violation of 15 USC 1681 s-2 because NAVY FEDERAL/XXXX  have a duty under said title to report on my consumer report with 100 percent accuracy. NAVY FEDERAL/XXXX are obligated by law to delete all late payments associated with this account and report the account as Never late/paid as agreed across all 3 consumer reports. 
Both NAVY FEDERAL/XXXX, should be ashamed of themselves for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!
Consumer complaint received 2019-07-15
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: Ditech Financial LLC (VI)

In XX/XX/XXXX, I requested that XXXX conduct an investigation into the false reporting being Done by my mortgage holder, Ditech Financials. Ditech Financials had been falsely reporting to XXXX, that beginning in XX/XX/XXXX and ending on XX/XX/XXXX, I had been defaulting on my mortgage note. As a result of this false reporting, my credit report precipitously decreased from XXXX down to XXXX. If Ditech had done any sort of investigation, it would have learned that my mortgage was paid automatically by my bank before the XXXX of every month for the entirety of the loan period. It would have learned that Ditech had been misapplying the payments to another mortgage account I held. Ditech did not have a proper accounting and servicing system that would and should have prevented Ditech from misapplying funds from one mortgage account to another, particularly since the funds had been paid automatically by my bank for the duration of the time Ditech serviced both loans. 

Instead, XXXX simply changed my credit report to closed and transferred to XXXX which had assumed the mortgage from Ditech. I disputed the matter with XXXX which ceased the false reporting and conducted an investigation. It's investigation caused Ditech to repay the monies to me and I in turn paid the monies to XXXX which brought my loan current. XXXX was unable to fix the false reporting of Ditech, its predecessor. XXXX violated its investigatory responsibilities of the Fair Credit Reporting Act.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On or about XX/XX/XXXX, a fraudulent transaction from a Schools XXXX XXXX  is initiated ( the account is my son in laws ). The quantity is XXXX. This money is sent through ( to ) the number XXXX ( my number ). Apparently, this number was ported over from XXXX XXXXXXXX, to XXXX XXXX XXXX on XX/XX/XXXX. I was not aware of this transaction and had no part of it or any subsequent transactions that may occur. We contacted zell on that same day and they were unable to provide any assistance, we contacted wells fargo and they were also unable to provide any assistance because they did not have the number registered. We also spoke to chase and we confirmed that the number was under their zell until the aforementioned date. Finally, we spoke to schools first and they informed me that we could rip the number back from wherever it was located and that would leave a history. That information confirmed it was being housed in wells fargo. That token history exists but the representative at schools first refused to provide me this information because it was internal. As the owner of this phone # and, being unaware to any zell registration to XXXX XXXX XXXX, it is my responsibility to get the information. The thing is, this information is vital to document and reach out to XXXX XXXXXXXX and demostrare to them the account activities did exist. It confuses be because XXXX XXXX owns XXXX through the early warning systems LLC. If you ask me it feels to the consumer that the ball is tossed from one court to the other and no one can give an answer. But the consumer looses the money. The banks seem to restrict information that is vital to following the money and the transactions. XXXX needs to stop washing their hands with ignorance and put a tighter lock on their transactions and be held responsible for the money they handle. They are essentially a transient bank and should have better consumer protection mechanisms like locking down transactions and a universal transaction number so that when a concerned consumer calls, they can immediately take action. Instead this partnering with other banks makes it so that they can only respond to the APP transactions but not the bank transactions. This methodology invites fraud and scams and makes it imposible for the consumer to be protected.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (NC)

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting PNC BANK, NA ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-02-17
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. (CA)

I disputed inaccurate information furnishing my good name with Experian & collection agency, I mailed out a dispute letter to the Collection agency & Experian to ask for Validation of debt. They FAILED to send me Validation of the alleged debt or a form with the original agreement and wet signature from the alleged debt. They sent an itimization which is a breakdown of charges and not consired VALIDATION OF DEBT. I sent the letter on XX/XX/XXXX and on XX/XX/XXXX they sent me a response on the Experian online portal that everything was Validated. How can this be if they did not provide me with the requested documents mentioned above and in my dispute letter?
Consumer complaint received 2024-07-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

I am currently working with a debt relief company to help me resolve my unsettled debt. Portfolio Recovery Associates , LLC has relentlessly called, sent text messages, emails, and postal mail to me. I receive no fewer than XXXX calls a day. They are now contacting family members who are also receiving several phone calls a day, as well as mail.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

On XX/XX/2023, I contacted XXXX XXXX mortgage about a hardship we were experiencing. I was told to fill out an application and send it in. I quickly got an email right away to fill out the forms. I contacted them the next day to have them explain what the forms were for and how it worked. I was told that once the application was accepted, we would not be at risk for foreclosure, late fees, or being reported to the credit bureaus. I asked for something in writing at that time and was told it would come in the mail in the documents I received once our application was complete. When I received the letter in the mail saying the application was complete there was nothing in there about late fees or credit reporting, only about the foreclosure. 
After my application was fully turned in and complete I contacted the loss mitigation department. I called on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was trying to get verification in writing that the account would not be reported and I talked to a few people who assured me it would not, one person was going to send me an email with the information but our call was cut off and when I called back the next person said that it was not guaranteed not to be reported but could not give me a definite answer on the negative either. I asked for something in writing stating it would be reported and was unable to get that either. I eventually got someone who stated that it will likely get reported and I explained the situation. She told me that due to the information I was given that if it did end up getting reported to contact the research department to have them adjust and correct it so that it does not report. 
In late XXXX is when I noticed that it had reported to the credit bureaus and contacted the research department only to be told that they would not change it because at least one person told me that it might be reported they were going to keep it as is. We entered into a forbearance as of XX/XX/XXXX and so I contacted them again once that was official and stated again, that we were now in a forbearance from the application that was deemed complete as of XX/XX/XXXX, prior to any late payment, and we would like the adjustment made. They explained that it would not be adjusted as the forbearance was only from XX/XX/XXXX.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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 2024-06-07
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. (FL)

hard inquire was done without my permission i wasnot present at the time this was done! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  finance XXXX XXXXXXXX via dealer XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX infifinity XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-18
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: LEXISNEXIS (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Lexis Nexis for apparent violations of the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S. Code 1681s2 ( a ). The details of my dispute and the events leading to this complaint are as follows : On XX/XX/2023, I submitted a " Dispute and Request for Verification of Bankruptcy XXXX under FCRA XXXX ( a ) ( XXXX ) '' letter to Lexis Nexis. This letter was accompanied by my valid ID and current utility bill. The correspondence was sent via certified mail, and the United States XXXX XXXX verified its receipt on XX/XX/2023, with tracking number XXXX. 

Despite the certified mail confirmation, Lexis Nexis claims to have reached out to me via email on XX/XX/2023. To my knowledge, no such email was received, and considering that all necessary documents were sent on XX/XX/2023, there should have been no need for additional verification of my identity. 

It appears that Lexis Nexis is reluctant to provide the information I requested regarding the verification of the alleged bankruptcy, specifically, the details of whom they verified the bankruptcy with at the US Bankruptcy Court. 

In a letter dated XX/XX/2023, Lexis Nexis informed me that I could access my Lexis Nexis consumer report. However, upon attempting to do so and entering the provided PIN, I encountered technical difficulties as the PIN did not work. 

As of today, XX/XX/2023, a second letter " Dispute and Request for Verification of Bankruptcy Information under FCRA XXXX ( a ) ( XXXX ) '' is being sent via XXXX XXXX Mail with Tracking ID # XXXX. Enclosed are my valid ID and XXXX XXXX XXXX. I am also requesting the unverified information to be deleted immediately. 

I believe there may be a violation of the provisions outlined in 15 U.S. Code 1681s2 ( a ) of the FCRA by failing to respond adequately to my dispute, requesting unnecessary verification, and providing inaccurate or inaccessible consumer report information. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Lexis Nexis for potential violations of my rights under the FCRA, specifically under 15 U.S. Code 1681s2 ( a ). If necessary, I am prepared to pursue legal action to rectify these violations. 

Enclosed with this letter, please find a copy of the original dispute letter, certified mail receipt, tracking information, the letter from Lexis Nexis dated XX/XX/2023, and the second dispute letter with its corresponding certified mail receipt and tracking information. 

Thank you for your attention to this matter. I look forward to a prompt and thorough investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-07
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. (NC)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated.

These inaccuracies are highly injurious to my credit rating. XXXX XXXX XXXX XXXXXXXX - The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. XXXX XXXX XX/XX/year>, - The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXX XXXX XX/XX/year>- The following inquiry was not authorized and should not be reporting. XXXX XXXXXXXX XXXX XXXX The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXX XX/XX/year>- The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXX - The following inquiry was not authorized and should not be reporting. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2024-06-07
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. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.