davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and 15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports, XXXX XXXX is reporting a transaction under my report with my consent and permission, I also received a letter stating that, " We have confirmed this account is no longer being reported by XXXX  XXXX ''. 
this items shows that it is being reported by XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (OH)

From XXXX to XXXX of 2019 My account reported 90-120 days late in which I immediately noticed this change and contacted the loan company. I corrected them letting the know I was still enrolled in college in which case there is no possible way to be late as they are federal student loans. They have a grace period of 6 months after completing your education to begin payments. They apologized for the mistake and corrected my account status however they did not revise the months for which it reported negatively on my account. This has been hugely damaging to my credit over the years following and has never seem to have been corrected. Under section 15 U.S.C 1681-1685 I have the right to fair credit reporting. I have likely paid thousands more in day to day purchases thanks to this incorrect reporting that has been around for the entirety of my adult life. If this is not corrected I will need to seek legal help in the matter.
Consumer complaint received 2023-12-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

I requested a debt verification to which they responded with the final move-out inspection. When I requested all of the inspections and why, they responded with the final move-out inspection again and a blank inspection form along with some invoices ( not actual receipts ) which we have been requesting from XXXX XXXX and they stopped responding to us. Fair Collections and Outsourcing is failing to provide the documentation that would prove that these damages we are being charged for were, in fact, reported to at least one of the other four property managers therefore, making these damages not our responsibility. The last response we received was also after the 30 day deadline. and they are now reporting this debt to my credit report, after failing to provide the necessary documentation for debt verification, after the deadline has passed and after notifying them of the passed deadline and that they would be acting against the law for reporting incorrect information, which they are.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXXXXXX XXXX, Experian, XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, Experian currently shows a balance of {$1100.00} and a status of Open with {$200.00} past due as of XX/XX/year>, XXXX is currently showing a balance of {$1100.00} and an original balance of {$1100.00} with the initial limit as {$500.00} and shows last payment of XX/XX/year> and is reporting XXXX late payments with a payment status of 30 days late and a past due amount of $ XXXX is reporting a balance of {$1100.00} with a credit limit of {$500.00} and has a payment status of not more than 2 payments past due while showing 0 late payments in the payment history.I would like this inaccurate account immediately removed from the credit reporting agencies immediately or a I will request the maximum amount per each violation.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank Of America had agreed to remove this entire credit file from any credit reports. The bank of america card I am talking about is now currently closed on XX/XX/XXXX and opened on XX/XX/XXXX. 

As of today this situation has not been fixed has agreed upon. The account was closed due to a misunderstanding. I had always paid on time and had good history with them. I just hope can resolve this manner as promised by there supervisors.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

My credit report is riddled with alarming inaccuracies, including incorrect names, addresses, employers and unauthorized inquiries. It is imperative to urgently rectify this fraudulent information. Despite my relentless efforts to ensure data accuracy, I've faced a disconcerting lack of cooperation from the organizations tasked with providing lawful information. I am compelled to seek assistance from a higher authority. Your immediate attention to this matter is urgently needed and highly appreciated.
Consumer complaint received 2017-03-21
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I sold a home in XX/XX/2016, and a refund for final escrow closing in the amount of XXXX should have been sent to me, a year later I received the check, and when I took the check to my bank, it bounced, I contacted Nationstar mortgage co to have them reissue a new check, and I still have not received my refund after two separate conversations with reps, assuring me, a new check will be mailed in two business days. I contacted Nationstar on XX/XX/XXXX, and again on the XX/XX/XXXX, both times I was assured a new check was sent to me, it is now the XX/XX/XXXX, and no refund as of this date.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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  the following companies have 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
Consumer complaint received 2024-04-28
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: EQUIFAX, INC. (TN)

accordance with the fair credit Reporting XXXX  XXXX XXXX XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 and purpose.
Consumer complaint received 2023-08-05
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. (TX)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
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. (LA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

under the fair credit reporting Act ( FCRA ) credit Reports must accurately reflect a consumers credit history any discrepancies, such as late payments close account or unauthorized inquiries violates the federal law transfer me the right to dispute any rectify these inaccuracies there are unauthorized inquiries, unauthorized accounts on my credit report closed unauthorized XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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  unauthorized account closed
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My credit score is important to me that's why I am regularly checking my credit report, now there's been a recurring issue in it that I have been trying to fix yet I have been consistently ignored, there are erroneous information being reported on my report that is negatively affecting my life and my credit score, so bad that my new credit applications are not getting approved and I need it so much right now.
Consumer complaint received 2023-04-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (FL)

I am writing to file a complaint against Westlake Portfolio Management, a debt collector who claims to be servicing my car lease from American Car Center, a dealership that filed for XXXX  XXXX bankruptcy in XXXX of XXXX. I was previously paying my lease payment to American Financial, who as far as I know, is not in bankruptcy. 

I have attempted to request debt validation from Westlake Portfolio Management through email on XX/XX/XXXX, and also over the phone on XX/XX/XXXX. During my phone call, I also requested a copy of my original contract, which the representative assured me would be sent to me by email. However, as of XX/XX/XXXX, I have yet to receive any documentation from the company. 

I am concerned that Westlake Portfolio Management may be attempting to collect a debt from me that I do not actually owe. I am hesitant to provide them with any payments until I have received proper validation and documentation of the debt. 

I would appreciate any assistance or guidance that the Consumer Financial Protection Bureau can provide in this matter. Thank you for your attention to this issue.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute and determine the presence of identity theft on my TransUnion credit bureau report. It has come to my attention that my credit report contains fraudulent accounts that are a direct result of identity theft. I am determined to rectify this situation promptly and restore the accuracy of my credit profile. The following fraudulent accounts have been erroneously listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and Bankruptcy XXXX  XXXX XXXX
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

I recently received a {$5000.00} transfer that I decided to set up a chime account for receiving those funds. They promised immediate access to the funds. However, once the account was set up and the funds were transferred, I could not access the funds. The virtual card number is not accessible and when I contact the Chime, they do not resolve the issue. The physical card is not scheduled to arrive until 14 days after opening the account. This is unacceptable for any banking institution to hold your funds in this way. And it is now my understanding that Chime is not a banking institution but has partners such as XXXX and XXXX XXXX that handle the banking portion.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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

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

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

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

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), no person shall furnish inaccurate information to a consumer reporting agency, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX and Experian are not adhering to these requirements. 
Finally, referring to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (KY)

National Credit systems is violating my rights by placing information on my credit report that is inaccurate. I have never done any business with any company that is associated with national Credit systems and I have never signed any contract with that company either.
Consumer complaint received 2024-05-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NJ)

There have been declined transactions when there are sufficient funds on the account. I had called ; it was indicated that sufficient funds are on the account when attempting to make my transactions. There was a merchant who had never received its funds due to a system issue. I was told to attempt again. Afterward, there should not be any errors. There continue to be errors when making attempted transactions. In addition, the website demonstrated an error when attempting to check the balance on the account.
Consumer complaint received 2024-05-21
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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/year> at XXXX I ordered an expensive phone called ( XXXX Find XXXX ) from XXXX XXXX. The grand total was {$1200.00} exact. After I received the box that was supposed to contain the phone I set up another old phone to record the unboxing. I did this since I have had shady experiences with XXXX XXXX  sellers scamming me and sending me nothing inside the box. Once I opened the box I did NOT find a phone inside but just accessories. I have a video of this happening along with the shipping label matching the one on XXXX XXXX. 

After this I tried to solve this issue with XXXX XXXX but they denied my request to refund me. Saying they cant do anything since it says it was delivered. I tried to tell them I was not arguing against my package being delivered or not, I was arguing and saying what I received was not what I bought. Still sided with the seller. 

After this I filed not one but two disputes with the credit card that I used to buy the phone with on XXXX XXXX. The card is Apple Card By Goldman Sachs. On the first dispute they rejected saying I had no evidence. This was weird since I'm sure I attached images and videos along with an order pdf to make sure they knew it was the correct package. 
I file a second dispute saying I have no evidence XXXX again. This time I get on hold an Apple Card representative through apple 's chat. They tell me they had issues receiving my evidence. I have screenshots of me sending the email live to a representative and them saying they did not receive anything. This is indication of an Apple software issue that made it so my evidence did not go through. I am not allowed a XXXX dispute since I already did XXXX. 

Due to file limitation on the CFPB website I can only upload the heavily compressed video of me unboxing the box but I can provide the uncompressed video if requested.
Consumer complaint received 2023-04-07
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. (CA)

The information on the following account reporting on my credit report does not belong to me this is a violation of my rights & is affecting business opportunities. 

Account : XXXX XXXX XXXX XXXX