davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Consumer complaint received 2024-04-14
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 sent Experian the documentation needed to block/ delete the accounts in question per the Fair Credit Reporting Act ( FCRA section 605b ) Experian continues to run a foul of the FCRA statue. Experian is harming my life by reporting accounts that are a result of Identity theft, Experian continues to willfully push and impose corporate company policy on me which is not Federal Law. Experian is ignoring my Federal protected consumer rights that congress gave me. EXPERIAN CONTINUES TO REPORT DUPLICATE ACCOUNTS WILLFULLY, CFPB please help me with this issue to be resolved.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

This email is phishing scam. It is a very well crafted email that appears to be from Experian.com. When I responded to email to view my FICO score it said my password was wrong. then prompts to fix password or get new password, asks for my SS number and so on. I was quite frustrated with it when I realized it was from a wierd address not usual Experian address. 

I enclosed below. 


Experian www.experian.com Top picks from Experian Connect with your credit day or night for FREE. 

XXXX, your FICO Score has been updated XXXX / Inbox Experian Alerts This email was sent by the organization that owns the logo shown. 
www.experian.com From : XXXX To : XXXX Sat, XX/XX/XXXX at XXXX XXXX  Experian Logo Membership ID # XXXX Sign In Decorative Image XXXX, please review your alert FICO Score Great job! Your hard work paid off and your score increased. 
See all alerts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This email contains important updates related to your account. 

To make sure you don't miss account updates, add XXXX to your address book and don't mark these messages as spam. 

Privacy Policy View Your Consumer Right to Obtain a Security Freeze FICO is a trademark of XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX  an Experian company. All rights reserved. 
Experian, XXXX XXXX  XXXX, XXXX, TX XXXX Experian logo
Consumer complaint received 2024-02-20
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: Self Financial Inc. (MA)

As one of the inaugural customers of Self Lender, I am compelled to express my deep dissatisfaction with the company 's conduct. Upon perceiving questionable practices, I proactively requested the closure of my account shortly after its initiation. To my dismay, despite being assured that a check would be mailed to reflect the savings accrued, a late payment was inaccurately reported on my credit history. Subsequently, the account was abruptly closed, and my attempts to seek resolution through numerous calls were met with the company 's insistence on an unwarranted outstanding balance.

This experience not only raises serious concerns about Self Lender 's integrity but has also inflicted financial strain and adversely impacted my creditworthiness. Regrettably, this communication marks my final attempt to address these issues amicably before contemplating legal action. I implore the company to rectify the inaccuracies promptly and, in doing so, demonstrate accountability for the undue XXXX  and financial burden placed upon me as a loyal customer.
Consumer complaint received 2024-04-14
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. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account but was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates : XX/XX/2023 and XX/XX/2023. I am requesting you investigate and provide verification proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to be paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WV)

Discover credit card closed my account stating that I had failed to respond to a request to verify personal identification. Personal identification was verified when I opened the account over 2 years ago, but this is a new request that was sent out. The only request that I knowingly received was over the phone which I thought was a scammer due to the holidays so I did not provide any personal information. My credit report was drastically hit because of the closed account, even though I've made my payments on time and have paid off the credit card. I feel as though I've been wronged by discover credit and at a minimum would like for my credit report to not reflect any negative impacts from this company. I spoke to discover credit in which they've told me that they will get back to me within 3 to 5 business days but could not tell me other than not verifying my personal identity as to why my account was closed.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

We purchased a XXXX dishwasher through BestBuy on/around XX/XX/2022. At the time we made the purchase, we signed up for and were approved for a BestBuy credit card. One of the features of making this purchase through the credit card was coverage ( warranty ) for one year. This warranty was called the Total Tech Plan. We were told that any warranty repairs were at no cost to us. However, upon making a claim, we were told that we needed to pay {$99.00} plus tax, or roughly {$100.00}. We ended up canceling the scheduled repair as we were not certain being charged was correct. However, even though we didn't have anyone come out, and even though we have been on XXXX calls trying to explain the situation and get our {$100.00} back, neither BestBuy nor the issuer has not refunded the amount nor provided proof that such an amount was credited back to us. We are escalating to see if CFPB can assist and to let others know to steer clear of BestBuy 's warranty service. It just isn't worth the huge headache it has been for us. It is now about principle, not about the amount.
Consumer complaint received 2023-10-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The account in question was fully settled in 2020 with the understanding that it would be removed post-payment. Furthermore, the account 's charge-off was a result of financial challenges during the COVID-19 pandemic. According to the CARES Act, I am entitled to protection, and this account should not be appearing on my credit report. It is also important to note that the information being furnished is inconsistent between the 3 bureaus which is a violation of the FCRA and I can take legal action due to any hindrance your inaccurate reporting has caused me. I kindly request the removal or an update to " paid as agreed, never late '' for the following account : Capital One XXXX
Consumer complaint received 2024-04-14
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. (NJ)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

In accordance with the FCRA, early warning services has violated my rights.15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instruction. There are at least 50 reported items that have been reporting for multiple years.
Consumer complaint received 2023-03-21
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (IL)

didnt provide completeness, accuracy, statements, or contract of debt ... The debt collector also Has Fake address and phone number... i sent a letter to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX sent my letter back as undeliverable and the number ( XXXX ) XXXX they have for contact is not theirs!!! 
Furthermore the address po box XXXX XXXX  XXXX, XXXX XXXX is also a false address for mailing and they didnt provide a phone number for that address ... this debt collector company has false information to contact them to resolve my issues!!!
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

XXXX NelNet : XXXX It has come to my attention that negative items are being reported on my credit to XXXX, XXXX, XXXX, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I started shopping for mortgage rates on XX/XX/year>. 

On XX/XX/year>, I applied for pre-approval, resulting in a hard inquiry. This inquiry is listed as : XXXX XXXX XXXX via XXXX XXXX XX/XX/year> Then, on XX/XX/year>, I applied for a second pre-approval, shopping for better rates. This resulted in a second hard inquiry, listed as : PENTAGON FEDERAL CRE via XXXX XX/XX/year> According to the FCRA, multiple hard inquiries for the purposes of mortgage lending/pre-approvals within a 14-day window are only counted as a single hard inquiry on my credit report. However, this is not the case currently. 

XXXX/PENFED have the inquiry coded incorrectly, as several others have discovered themselves. Now that I am going through the lending process again, these multiple hard inquiries have had a negative effect on my credit score. 

This should be resolved immediately.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (TN)

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802.

THE PRIVACY ACT OF 1974. 

( 15 USC 1611 ) Criminal liability for willfully and knowing violations.

( 15 USC 1681 ) Accuracy and Fairness of Credit reporting.

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.

( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information.

( 15 USC 6802 ) Obligation with respect to disclosures of personal information.

( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The interest rates are so expensive that you cant even afford to pay the bare minimum because these interest rates are off the charts and these credit reports are the ones that are offering these credit cards and theyre using duplicate foundations from XXXX and other ones that are allowing these credit cards to be used And there should be some kind of restrictions on the amount of credit that they offer you knowing that your capped out already
Consumer complaint received 2023-09-20
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. (LA)

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.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AL)

LVNV Funding LLC, is trying to collect debt that was removed from all XXXX  credit reports due to statute of limitations. This debt with XXXX XXXX was written off and removed from all three credit reports recently. Now the wolves are coming out. Trying to collect debt that isnt owed.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (LA)

Funds where moved unauthorized from my Credit Karma Money Account by a malicious hacker. The security of the mobile and web application for the bank is really nothing to write about because why they told me they have rectify the security of my account, I still got notifications about the same hacker changing my phone number and email on my bank account. I need the money as soon as possible to sort my tax refunds.
Consumer complaint received 2024-04-13
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 am writing to follow up on the ongoing issue regarding the late opening of accounts. Despite our previous communications and numerous attempts to rectify this matter, it is disappointing to note that the problem persists. The continued delay in opening accounts not only hampers our operations but also reflects poorly on the efficiency and reliability of your services. Despite our understanding and patience, there has been no visible improvement in the situation. We urge you to prioritize this matter and implement measures to ensure that accounts are opened in a timely manner moving forward. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX. XXXX XXXX XXXX : {$6400.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX. XXXX XXXX XXXX : {$1100.00} - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. XXXX. XXXX XXXX XXXX : {$2200.00} - Please check the XXXX XXXX and XXXX information on this account and adjust accordingly. XXXX. XXXX XXXX XXXX : {$6200.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX. XXXX XXXX XXXX : {$2500.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. XXXX. XXXX XXXX Balance : {$2500.00} - Please take off the late things from this account because I think I made my payment on time. XXXX. XXXX XXXX Balance : {$6200.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2024-04-13
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. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.