davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with Lvnv Funding Llc company I believe the original creditor XXXX XXXX XXXX  XXXX XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-05-02
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXXXXXX XXXX XXXXXXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I've attempted to unfreeze my credit by calling three different numbers : XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, and XXXX ( XXXX ) XXXX, but each time, the automated system has made it incredibly challenging to speak with a representative. Even when attempting to use the website, I was directed to experian.com/XXXX, where after logging in, I was prompted to sign up for a credit report. After inputting all my information, I encountered two internal error messages, leaving me with no resolution. It's unacceptable that such a basic task has turned into a nearly two-hour ordeal with no end in sight. This process urgently needs improvement, whether through streamlining the website or addressing technical issues promptly.
Consumer complaint received 2018-03-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

After Hurricane Irma I called my loan servicer Mr.Cooper formally known as XXXX XXXX XXXX. I called to make arrangements to defer two month of payments for XXXXXX/XX/2017 due to the disaster at which time the representative stated that I would have to resume making payments XX/XX/2017. Instead in XXXX I received a hand delivered notice to my home about foreclosure and different options I have to save my home, I called Nation Star Mortgage to inquire about the notice I received. The representative looked up my account and stated the everything was okay that she sees where I resumed making payments for the month of XXXX. To disregard the notice that those notices are generated automatically. I asked if she was sure because I don't want problems with my home. I haven't even recovered from the disaster because I was in between jobs. She stated I was okay. However, on XX/XX/2017 I received another notice delivered to my home and they then started coming in the mail. Checked my credit report and it shows on my credit report that my account is delinquent. I called again and to no avail the manager stated that the only option was to refinance my home or do a modification.Monthly statements are showing delinquent payments for the 2 months. Please help me.Its hard to recover after a disaster I'm currently fighting with the insurance company to repair my roof.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I had an unauthorized charge on my credit card with Chase Bank that was for a XXXX luxury hotel in a country ( XXXX ) XXXX have never been to before. This charge was affiliated with a 3rd party travel company ( XXXX ). 

Luckily, I thought this would be easy to help dispute as I happened to be away on a work trip to XXXX during the week of said fraudulent charge. After an initial declination from Chase, I submitted all the proof as requested by the bank on XX/XX/year> which included airplane ticket, hotel receipts, etc. that showed my time in XXXX for the dates mentioned. 

Chase sent me a letter date stamped XX/XX/year> that they were re-denying my claim and closing out the case permanently. 

I have never filed a fraud dispute before with the bank in the 15+ years I have been a customer.
Consumer complaint received 2024-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

I received and completed the loan discharge because of the predatory nature of the school and all accounts of pressure for loans and false claims the school had. I provided copious documentation on the school including personal documents and got back a denial with no actual reason for the denial.
Consumer complaint received 2024-05-02
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. (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 U.S.C 1681 XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Experian, again, lowered my FICO score, to XXXX from XXXX. Logging into my account does not give any valid reason for the change. The information displayed says an account balance has decreased by {$10.00} or more. Nonsense. All account balances have increased over time, with the exception of my credit card. I made an {$86.00} purchase this month. The credit card balance is paid in full monthly. No other explanation was offered to explain the credit score drop. 

I am fed up with Experian playing with my FICO score simply because I made a credit card purchase, if this is the reason for the change. NOTHING else has changed. This is just plain bad business. 

Experian does not give any contact information to get clarification on the score change. Contacting Experian is a call to XXXX and the representative does not provide any information that isn't available online in my account.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (MA)

On XX/XX/XXXX I accidentally paid my Apple Card twice. The scheduled payment feature is unclear. It appeared like I was editing a scheduled payment, when in actuality I was making an additional payment. There was not warning pop-up saying, " are you sure you want to make XXXX payments on XX/XX/XXXX? '' or something similar. 

On XX/XX/XXXX I noticed that my bank account was now overdrawn which drew my attention to the scheduled payment error. I immediately contacted Apple Card Services over the phone and was told they could not issue me a refund on their end and to call my bank. I knew this was not going to resolve the issue but I called XXXX anyway. They said that it was on the vendor ( Apple Card ) to return the funds upon my request. I know it is possible for creditors to return funds to clients because something similar happened to me with XXXX XXXX  and they returned my money into my account the next business day. I then contacted Apple Card via the text feature the same day. This costumer service representative XXXX XXXX XXXX finally created a refund request for me saying it would take 3-10 business days. 

On XX/XX/XXXX I reached out again to get an update since I was not sent a confirmation email that a refund request was sent, so I had no evidence to confirm whether an actual refund request was made. I asked if this rep had any idea how long it would take to get refunded. This customer service representative ( Danielle ) told me that she saw a date of XX/XX/XXXX. 

On XX/XX/XXXX I checked my bank account and the previously confirmed refund was not in my account. I reached out again via text. Was transferred three times to different representatives after telling each of them that I was told I should have my refund by today, XX/XX/XXXX. I was ultimately informed that it would take up to 14 calendar days from the date of issuing the request, ( which I know is 10 business days. ) I asked if this was the company policy to take such a substantial amount of time to resolve costumer issues, this is not a small company, it is Goldman Sachs. To which I was told, " We are a pretty new card and differ from most card companies tremendously. ''
Consumer complaint received 2024-05-02
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)

I am a victim of identity theft, as you can see there are many different address reported on my report. That is inaccurate address, it seems as if the person doesnt know my correct address but has been still applying for things in my name. I would like for the addresses and the items listed on the file to be deleted because no Permission was given.
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened up a CitiGold checking account back in XXXX 2015 using a promotion that would give me XXXX XXXX points once I make XXXX qualifying payment each month for 2 months following account opening. I completed the payment requirement, but as of today, more than XXXX year after the completion I have not received those points. I attached a conversation with CitiGold representative on XXXX/XXXX/15 which confirms that I would receive my points as well as emails with my Citibank personal banker as proof.
Consumer complaint received 2024-06-02
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)

XXXX received payment ( See below ) " within the grace period of 2 days from the due date XX/XX/XXXX '' yet fraudulently reporting increased account balance to credit reporting companies. This is NOT THE FIRST TIME. XXXX and all credit reporting companies were sued in XXXX XXXX in XX/XX/XXXX and it does not even stop XXXX and all credit reporting companies putting inaccurate account balance in the credit reports and financially damaging me with lower XXXX XXXX. 

" From : XXXX Countys XXXX XXXX Date : On Thursday, XX/XX/XXXX at XXXX PM Subject : Your bill payment was delivered To : XXXX Dear XXXX XXXX, The following bill payment has been delivered : Payment Details Payee Name : XXXX Student Loan Borrower Payee Acct # : XXXX Acct # : XXXX Amount : {$830.00} Send Date : XX/XX/XXXX Confirmation # : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ''
Consumer complaint received 2024-05-02
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. (UT)

I have received an update notice from Experian on my consumer report. I notice Experian have furnished transactions on my consumer report that is excluded by law. They havent shown or evaluated how their reinvestigation is verified by which the law clearly states as per the FCRA 15 USC 1681a 2Ai. 
( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. XXXX and or any other Risk score or algorithm that you use to calculate a consumers XXXX XXXX is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
Consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
XXXX or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( XXXX ) and the Person ( XXXX XXXX XXXX SIMPLE ) is in violation of 15 USC 1681a the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Delete the following late payments from my consumer reports ; XXXX XXXX
Consumer complaint received 2024-05-02
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. (NY)

XXXX, XXXX and Experian failed to provide factual documents about these accounts and they have to be removed. 

XXXX -Employer is no longer XXXX -Address has to be removed-XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX -failed to provide factual documents about XXXX XXXX XXXXXXXX account # XXXX -failed to provide factual documents about XXXX XXXXXXXX account # XXXX -failed to provide factual documents about XXXX XXXX account # XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXXXXXX XXXX  XX/XX/XXXX Experian XXXXEmployer is no longer XXXX -Address has to be removed XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX -failed to provide factual documents about XXXX XXXX XXXXXXXX account # XXXX XXXXfailed to provide factual documents about XXXX XXXXXXXX account # XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX XXXX XXXXEmployer is no longer XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -failed to provide factual documents about XXXX XXXXXXXX account XXXX XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
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've noticed unfamiliar items on my credit report, suggesting potential identity theft as I haven't authorized these accounts. I've raised this concern previously and now urgently request the removal of these accounts from my report. Their presence is causing significant stress as they inaccurately reflect my credit history and financial management. Addressing this issue has been challenging. If resolution isn't reached promptly, I'm prepared to seek legal recourse to safeguard my rights and seek a resolution. These erroneous entries pose a substantial obstacle, impeding my ability to achieve critical financial milestones such as purchasing a home and providing for my family. I'm hopeful for a swift resolution to this matter.