davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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. (IL)

I have three accounts that have been closed and should be knocked off in this year ( XXXX ). One of them is saying it will stay on my account until XXXX but I do not understand how when it was closed in XXXX. The accounts only stay for 7 years on the credit report. 

Accounts : XXXX : Closed/Paid XX/XX/XXXX and opened XX/XX/XXXX reporting " potentially negative '' {$570.00} was written off XXXX : Closed/Charged Off and opened XX/XX/XXXX reporting " potentially negative '' {$1800.00} was written off XXXX : Closed/Paid XX/XX/XXXX and opened XX/XX/XXXX reporting " late payment '' XXXX : Closed/Paid and opened XX/XX/XXXX XXXX XXXX : Closed/Paid and opened XX/XX/XXXX and the last payment was XX/XX/XXXXXXXX XXXX XXXXXXXX : Closed XXXX and opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-05-28
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-28
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. (OH)

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-28
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. (FL)

PLEASE BLOCKED AND REMOVED It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-10-26
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. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous,3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance Owed : {$540.00} XXXX  XXXX Balance Owed : {$8600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-19
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (NY)

A XXXX XXXX from the Central portfolio control has been calling from an 800 number trying to collect {$1400.00} for a rental property from my son and I. We noticed this when my son tried to open a credit card and he was unable to because of a debt. The XXXX ( the rental property ) which we left in good standing, sold to another company and uses XXXX XXXX XXXX told us they do not have any details of the XXXX rental. I believe this is a scam to collect money that we do not owe! The debit collector who identified as XXXX XXXX, XXXX, like money as he said insisted that we pay the amount of {$1400.00} so my sons and my record of owing a debt will be cleared. He did not, and no one has provided us with any written communication via XXXX or email of this so called debt. I need to clear this mess and have been directed to you by my bank XXXX.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I was unemployed for a period of time. During that time, I went through the process and secured deferment from the mortgage servicer XXXX. We eventually were approved to have the missed payments moved to the back of the loan, and were never delinquent at any time. Despite the fact that there was {$0.00} due, XXXX reported me to Credit Reporting Agencies as Delinquent. I only found out when credit limits were reduced on some of my accounts. What is the point of following the rules only to be shafted at the back end? I didn't choose to lose my job.
Consumer complaint received 2024-05-28
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 want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

This charge was assumed from XXXX which was for a purchase that I never made. I protested the charge with XXXX  several times and filed a police report. The charge was even made without the use of my credit card. Someone used my name and the store clerk looked up my account number and allowed the charge to go through. 

I have also protested to the credit reporting agencies to no resolve. I am asking for this to removed from my credit reports as it is identity theft and Midland credit has not responded appropriately. 

XXXX XXXX  {$470.00} XXXX  Suggested Account # XXXX Status Original Creditor XXXX XXXX  Creditor Type Collection services High Balance {$470.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX Remarks Completed XX/XX/XXXX Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Completed XX/XX/XXXX I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Consumer complaint received 2024-05-28
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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: Resurgent Capital Services L.P. (WI)

XX/XX/2023 I sent multiple letters to these companies involving following accounts XXXX XXXX, XXXX {$800.00} Acount # XXXX XXXX XXXX XXXX {$850.00} ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. Convergent Accounts # XXXX XXXX  # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2024-05-28
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. (FL)

Dear XXXX, I am writing to bring to your attention an urgent matter regarding unauthorized debt collection activity by XXXX XXXX XXXX XXXX XXXX XXXX state of Florida. 

It has come to my attention that XXXX XXXX XXXX XXXX does not possess a valid license to collect debt in the state of Florida as required by law. Pursuant to Florida Statutes Chapter XXXX Part VI and RULE XXXX, any entity engaging in debt collection activities within the state must hold a valid license issued by the appropriate regulatory authority. 

Despite lacking the requisite licensing, XXXX has continued its attempts to collect a debt from me for the last XXXX years XX/XX/2017. This conduct is not only in violation of Florida law of the Statue of Limitation in Florida : The statute of limitations in Florida on debt is five years. This means that once the five-year timeline has expired, creditors can no longer file a lawsuit against the borrower to try and recover the debt but this is also a breach of my rights as a consumer. 

I demand that you immediately cease all reporting and collection efforts related to the debt in question. Furthermore, I expect you to thoroughly investigate the matter and ensure that XXXX XXXX XXXX XXXX ceases its unauthorized activities to this alleged debt. 

If I continue to receive communications or notices related to this unauthorized debt collection, I will have no choice but to pursue legal action against both XXXX XXXX XXXX XXXX and your agency for their roles in this matter. 

As per Florida law, the licensing number of any entity engaged in debt collection activities must be provided to consumers. Therefore, I request that you verify and confirm the licensing status of XXXX XXXX XXXX XXXX in the state of Florida. If XXXX XXXX XXXX XXXX can not provide a valid license number, I urge you to take immediate action to rectify this situation. 

Please provide written confirmation of the actions taken in response to this letter within 14 days or remove the report alleged debt from my credit report. Failure to comply will leave me with no option but to escalate this matter further legally. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC. (TX)

Dear Santander Consumer USA It has been brought to my attention that your company have reported this alleged debt as a loss on your tax return and have gotten a tax credit for it. My confusion is why is this still being reported to the consumer reporting agencies that I still owe this debt?? Your company have until the next 5 business days to delete this account off of my report. If not done within the time allowed I will file form 3949-A with the IRS & have your company reported. 

ACCOUNT # : XXXX Thank you for your time
Consumer complaint received 2024-05-28
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. (IN)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-05-28
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (KY)

Attached has all the information of what happen. On XX/XX/year> around XXXX I got a text from a XXXX digit number saying my card is being used for the amounts of XXXX, and XXXX. I was then called by the Navy Federal phone number who then told me about the situation. I hung up because I didnt have a good feeling about who called me so I called navy federal myself and asked to be transferred to the fraud department. They put me on a call back list and was called back by the navy federal number. I followed what they were telling me that they were the cyber department of fraud and needed to transfer money back to navy federal there was 4 transactions ( stated in the attachments ) and then hung up on. I was scammed. Navy federal never called me back I had to reach back out to them about what just happen and why was it happening. They never answered any of my questions about my denial and appeals. They said they need more information but Ive constantly stated that it has happened to me. I have made 3 payments to the loan and now have {$2.00} left to pay now since the interest on loan was so high.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (IN)

1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred- it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed 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 pay- ment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-05-28
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: Experian Information Solutions Inc. (PA)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. {$16000.00} ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

Me and my partner open the joint account at truest bank. Try to open a savings account on their website and it popped up as potential fraud. Because I did not fund it with {$50.00} at that moment the next day they closed. Our account and our deposits were being sent to her and they bounced back to the bank 's they were coming from like social security or a payday. Going to the account so the camp was closed and it did not accept me so that missed up our income up also on the invoice that they sent us. XXXX of the deposits wasn't even on it and it's the only invoice. That would appear because there's only XXXX weeks that it was open. I called I went up there XXXX or 4 times they wouldn't give me money for XXXX weeks. I called the file department I called what the problem department. Told me to call and I think it could tell me was that there could have been something on a reporting app. They use are that someone made a frozen transaction are a red flag transaction that they closed the account and causes a lot of problems. They didn't even put on the invoice. A {$700.00} deposit and we did not spend any of that like it was deposited and 3 days later. They closed the camp so that's my problem with truest bank, in XXXX XXXX nc XXXX. Triist # XXXX. On the invoice that takes semester of the statement I said. Deposits was {$710.00} so it's missing a {$600.00} deposit. It closed out of exactly XXXX 's and that's was the next before they. Ever? Even give me a XXXX. And {$18.00} when I deposited over a {$1000.00}? In XXXX weeks time I have the XXXX only statement. I'm gon na take a picture and send it as a file.
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Well I checked my report and figured out inquiries that are not mine. Its a mistake and inquiries that are not mine appeared in my credit report. Also in some bureaus I do not see them and some report inaccurate information. How that possible that some bureaus reporting wrong information? I believe I am a victim of identity theft otherwise I can not understand and I do not recognize these inquiries. Please remove these inquiries because I am not connected to the them absolute.
Consumer complaint received 2016-01-14
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

XXXX XXXX XXXX for some reason decided to use Western Union this time as we were waiting for this money in XXXX Texas. A Western Union payment was processed on XXXX XXXX 2015 ( XXXX XXXX is XXXX hours ahead of CST ). They asked me to go to my XXXX XXXX XXXX and give them the XXXX number ( XXXX ) and should be able to get instant credit. However, XXXX XXXX XXXX told me that they not deal with Western Union and I called the Western Union to see where I could get my XXXX USD and they recommended me to go to XXXX of XXXX XXXX, close to my place. 

XXXX told me to wait for 15 minutes while Western Union processes all required checks etc. Later I was told by Bank Teller that she could not process the request. 

I called Western Union and after talking to them 2-3 times with misinformation and finally talking to their superior, I was told that the payment has been sent back to the Sender. I asked for a reason and they said that they are protecting their client and can not disclose me the reason. That was after 2 hours of time spent.