davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX and XXXX are showing late on my credit report. However, I spoke with an agent from XXXX several times to discuss the situation, but nothing was done. I updated my bank account information with an agent, however, the old account was not removed, which created late payments.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (TX)

I pulled a copy of my credit reports and noticed an erroneous account that need to be immediately DELETED. 

MONEYLION has violated my consumer rights clearly outlined in 15 USC 1681. 
As a federally protected consumer, I am well aware of my rights and more specifically my RIGHT TO PRIVACY within 15 USC 1681A ( 4 ). 

Account in question : MONEYLION- XXXX Re : Form 1099-C Cancellation of Debt I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit report attributed to your agency. Upon reviewing my credit report, I discovered a charge-off entry which, according to the IRS, constitutes debt that has been discharged and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status. 

As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form 1099-C related to this debt, to be sent to the address provided above or via email at your earliest convenience. 

It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not 100 % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. Your company is also setting itself up for a civil liability suit under 15 USC 1681n for negligible non-compliance with a possible {$1000.00} expense for each violation as well as a suit under 15 USC 1681o for negligible non-compliance with even higher resolutions. 

Moreover, I have been directed by the IRS to file Form 3949A for illegal tax violations against your company in order to address this matter. I trust that neither you nor your Executive VP would desire to engage in legal proceedings over such blatant transgressions. 

I hereby demand that you take immediate action to notify the credit bureaus to DELETE this erroneous information from my credit report without further delay. 

Failure to comply with this demand will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (CA)

I asked for verification of debt and was sent a ledger that was not the same as my move-out statement. The ledger has various charges that are confusing to figure out because payments received were not credited or placed in the right column and subtracted from the initial balance. I am being charged for an eviction that was dismissed in court. I am being charged for late fees that can not be accessed to me because Section 8 federal housing was paying the full rent so any late fees would have to be directed to them. I am only receiving partial credit for my rent even though since XXXX acquired the property my rent has always been the same amount. They are only given my credit for {$310.00} of my security deposit but from their own records if they are correct I paid {$620.00} dollars which would more than pay the debt in question and I would be entitled to a refund which was not provided when I moved out. I am also being charged for rent after I was completely moved out. Same on the move-out ledger, payments are not placed in the payment column and are not subtracted from the outstanding balance. Which makes understanding it confusing. After my attorney reached out to section 8 he informed me to contact I.Q. Data International Inc for an updated ledger. I sent a demand letter asking for the ledger to be updated based on the information I sent them. I sent my lease, move-out statement, vacate notice, XXXX contract and payment ledger, info on five-day pay and eviction procedures according to The Housing Authority, five-day notice , and court proceeding that was not provided to Housing Authority ( section 8 ) . The demand letter and supporting documentation was received on XX/XX/2023, and picked up by an individual at the post office at XXXX XXXX  per the post office XXXX  XXXX. I have heard nothing back from XXXX or I. Q. Data Inc. I have enclosed the closing letter from the attorney that represented me in court and the demand letter they sent to section 8 asking for them to pay the late fees that XXXX on XXXX claims I owe. Section 8 provided proof to my attorney that all late charges were reversed and is shown on the ledger that was sent as verification of debt to me but it is still on my credit report. I enclosed the demand letter asking for a new ledger or for the information to be corrected from XXXX and I.Q. Data Inc, I enclosed the ledger sent to me and the move-out ledger which is not the same and does not reflect the correct charges. I am asking for a new ledger and if I owe anything for that to be reflected on the updated ledger and on my credit report. For all correspondings to be in writing. Or for this to be taken off my credit report and for them to stop trying to charge me for things I do not owe, also in writing.
Consumer complaint received 2023-12-23
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)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it may concern, This account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed accounts below IMMEDIATELY from my credit reports. 

XXXX XXXX XXXX XXXX XXXX & XXXX Account number XXXX
Consumer complaint received 2023-12-23
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)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (PA)

Mariner Finance sent me a check that was automatically deposited. I did not agree to the usurious terms and Pennsylvania caps interest at 6 %. When I learned that Mariner was charging an outrageous amount of interest exceeding the lawful limit, of which I did not agree in writing, I attempted to pay the loan using a debit card. Mariner, to earn fees, makes customers break the payments into {$750.00} increments. Therefore, I agree to pay {$2.00} on the {$750.00} payment. However, Mariner refused to process the payment stating that I was " restricted '' from making payments. In other words, Mariner refused to accept the payment causing the loan to be late, adding more usurious interest that I did not agree to.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

I completed an Employment Verification Form and it was submitted by my employer. It was received by Mohela on XXXX I called on XX/XX/XXXX and was given no information as to why it has not been processed. 
In addition, in XX/XX/XXXX, a representative of Mohela told me that my account would be reviewed for IDR payments made back in XXXX XXXX XXXX XXXX XXXX and that I would received PSLF credit for those payments but I have yet to see any counts credited. Some of these loans are over XXXX XXXX XXXX. I asked the representative on XX/XX/XXXX if my account had been reviewed for the IDR counts and she said it had not been reviewed. It has been 9 months.
Consumer complaint received 2024-01-03
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: WELLS FARGO & COMPANY (FL)

I was incapacitated from XX/XX/XXXX, XXXX XXXX, XXXX and there was {$48000.00} on a charged off business line of credit ( credit card # XXXX ) for my business, XXXX XXXX and XXXX XXXX XXXX PA. The perpetrator did make charges prior to the listed dates as well ; However I did not catch it. I have disputed it with Wells Fargo with 2 FTC reports, a Police report, and proof that I was incapacitated yet, they still deny it even though the same thing happened to my other business account with them that they accepted ( Totality Health $ XXXX Acct # XXXX ). They need to rectify this and remove ALL of the credit card balance from my charged off account.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I have no knowledge of the following inquiries, neither did I authorize them. please remove/delete them from my credit report, as pursuant to 15 U.S.C 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act. 

XXXX XXXX on behalf of XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX on behalf of XXXX XXXX XXXXXXXX DBA XXXX XXXX  XX/XX/XXXX. 
XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (FL)

I recently checked my consumer report and noticed that there was an inquiry that i don't recognize.

THIS IS BREAKING THE LAW!!

According to 15 usc 1681 ( b ) In order to furnish my consumer report information I the consumer has to allow such activates to transpire " Company : XXXX XXXX address : XXXX XXXX XXXX XXXX, OH XXXX date of inquiry : XX/XX/year>
Consumer complaint received 2024-01-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (DE)

As of XX/XX/2023 this collection account was listed on my XXXX and XXXX report. The collection account was previously deleted as they did not provide me with verification from the original debtor. I contacted the original debtor and they could not provide me with the original debt as well.
Consumer complaint received 2023-12-23
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)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-23
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)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-01
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: CITIBANK, N.A. (NC)

XXXX XXXX and citi bank and also XXXX XXXX  offer credit to someone else using my social security number I have never had credit with these creditors and also XXXX XXXX and XXXX need to remove all negative inquiries off my report I did not authorize anyone to apply for credit in my name
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (NC)

I was contacted by MRS BPO , LLC via text messaging on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to contact them about a XXXX debt. 

I never received any written information about the debt. I am caring for my XXXX mother that been hospitalized since XX/XX/XXXX. I am her only caregiver. My only sibling passed away in XXXX. 

I have been texted from XXXX, XXXX, XXXX, and XXXX to call XXXX regarding a matter for XXXX XXXX. On XX/XX/XXXX I received an alert from my bank and was told that I have a delinquency in collections on my account from XXXX that caused my XXXX score to drop XXXX points. 

I contact XXXX and could not get a live person. The automated system would drop my call. I then contacted XXXX and they said the information was with the collection agency. I was given XXXX and the number connected me to an answering service for XXXX XXXX which has no information about my XXXX account. 

On Friday XX/XX/XXXX I was able to get in touch with a live agent that then transferred me to XXXX XXXX XXXX. XXXX XXXX had called me once before and I made good faith payment. I told him that I was not able to talk and requested a call back which I never received about two weeks ago. After speaking to XXXX XXXX on Friday he was argumentative and unwilling to send me my information in writing. Stating that he could not send anything in writing because he did not want to make any promises that when I pay off the debt I can receive written documents. I am trying to regain my good XXXX score that I've been diligently working on. 

XXXX XXXX sent my account to collections in less than 30 days. I had made a good faith payment and wanted to resolve the matter so it would not affect my good XXXX  score.
Consumer complaint received 2023-12-23
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)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (GA)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-24
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. (NV)

The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. 

The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. 

The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX, XXXX, Experian, XXXX, XXXX XXXX XXXX  XXXX, etc. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. 

Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am filing a complaint because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data providers and you continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed .I have never received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness, ownership, responsibility, and compliance to any and all federal obligations and even the metro 2 compliance requirements from anyone even if and when I forwarded written request of information to VALIDATE the account information that your firm reported as miraculously verified, yet without any such proof of this alleged affirmation of facts. I feel it is best to release your reporting this disputed information at once I will have no choice but commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. Please delete the following accounts : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX. XXXX XXXX # XXXX
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

These transactions were deduxted from my account the day I did them and then when I got a direct deposit from work it was deducted again. The bank told me it was because it was just pending and now its being posted. So why was it deducted twice then? Transfers from my checking to savings, the same explanation. Thats a lie and I want people arrested. Now they say I overdrawn {$89.00} and for one, I cant overdraw, thats why its been denied for insufficient funds. Secondly, they are also old transactions. They are deducting from my account twice