davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 purpose.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (NY)

On XX/XX/2023, at XXXX I send myself ( recipients name : XXXX XXXX XXXX XXXX and transaction number : XXXX XXXX XXXX XXXX ) through Remitly, {$2900.00} to my XXXX  bank ending in XXXX. The transfer was held for more information. I send that information on XX/XX/2023. On XX/XX/2023 a someone claiming to be from Remitly called to discuss the issue. They identified me with my name and the exact amount that I was transferring. They said that the bank was still verifying the funds but that they would change the verification officials. They didnt ask me any information nor did I provide any of my passwords or data. When I went to check on the transaction it was complete but someone had changed the transfer number XXXX XXXX XXXX XXXX, the recipient to a XXXX XXXX XXXX XXXX, and the bank account to one ending in XXXX. This change was done without my authorization. I called Remitly and was routed to their fraud department that said that they would close my account, look into the matter, and to go file a claim with my bank. The representative said that this was a case of fraud and that they would work with my bank to return my money and shut down my Remitly account. He noted that I only ever send to my own account and this was suspect to him. At my bank they said that it was on Remitly to refund my stolen money as on their end the transaction was legitimate. When I called back to Remitly they quickly changed their tune and said it was not fraud and I had authorized the rerouting. I asked how they knew it was me that rerouted the funds, they said I spoke through them through text and confirmed via a text sending a temporary password. I never spoke to them nor did I receive a text from them. They said that they had my IP address of my phone as XXXX XXXX. On that day I was not in XXXX XXXX either. When I asked for the full bank account of where the money went to pursue the case through XXXX legal system, they said they would not provide it.
Consumer complaint received 2020-01-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NC)

This company has been calling continuously for a while. I asked for proof of debt. I also asked them not to call and only communicate in writing. I sent a letter to the company on XX/XX/2020. The letter was received on XX/XX/2020. They have continued to call. The people sound foreign and have asked about various names. This is very suspicious and sounds like a scam.
Consumer complaint received 2023-08-25
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. (NY)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX Balance Owed : {$10.00} ; US DEPT ED  XXXX Balance Owed : {$3500.00} ; US DEPTED XXXX Balance Owed : {$20.00}.
Consumer complaint received 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

remove all hard inquiries that were made without my consent transunion ; 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC. (MA)

On XX/XX/year>, I encountered a financial loss of {$80.00} due to fraudulent activity ( regarding buying a shoe that never showed up to me ) on XXXX XXXX. I contacted XXXX XXXX 's customer service seeking assistance. During the call, a representative named " XXXX '' provided steps to recover my lost funds. However, " XXXX '' took advantage of the situation, manipulating me into providing sensitive information under the guise of resolving the issue. Despite spending two hours on the call, I was ultimately scammed by this individual posing as a legitimate representative. He stole from me XXXX dollars and now I am attempting to dispute all those transactions with my bank.So my bank blocked my card since in the circumstance that my account was XXXX and now they investigating the 3 cases that have been opened because of this. While the bank ( Santander ) told to wait for about 10 business days to see what happens, I would like assistance with getting all the money back.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

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
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/2023 I went to pay my friend XXXX for her XXXX XXXX XXXX. I then noticed in the activity that multiple charges were not recognized. A lot of them were XXXX Games and XXXX people with XXXX transactions each that were identical that I did not know who they were. I then remembered an email from what I thought was XXXX that stated my account needed attention. I clicked on email back in XXXX and the screen kept loading after I put my login credentials in. I suspect that I was a victim of a phishing email. I reported the unauthorized charges immediately with my explanation. The XXXX games had started in XXXX per statement with small transactions that would not be caught without investigation. The XXXX charges to unkown people were back to back. BOFA declined my claim within 2 days stating that I had logged into my online banking " x '' number of times. I called for an explanation and the CSR stated that they had put the wrong reason code for claim and it needed to be fixed and then escalated. This was XX/XX/XXXX and they stated it was escalated and that I would have a response in 72 hours. This time came and went with nothing. I called and they stated that my claim was not escalated and would re-do the claim again. After everyday calling BOFA, I received different answers each time. I hope whoever receives this messages listens to every recording. The claims department does not know left arm from right arm. I was told I was getting provisional credits since it falls under Reg E and their mistake for not submitting claim reason code correct the first time to " I do not qualify for provisional credit '' due to x, y, z reasons ( which were different each time ). Frustrated, I called and asked to speak to supervisor who said since my claim was escalated that I no longer qualify even if it was their mistake. He even said that since I clicked on phishing email that it was now a billing error and not fraud. This makes no sense. All the research I have conducted points out that I am entitled to provisional credit. Supervisor said that they are waiting for response from merchant. Does this not qualify as accepted claim and provisional credit due to me, the consumer? I am beyone XXXX. I have XXXX kids and bills to pay and have now beeen out XXXX due to the incompentence law breakers of BOFA. I want my money back now.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (FL)

I have been blocked from getting my Equifax credit report/ scores from every website that my could possible generate it. My annual, credit karma, Equifax own website, XXXX. they have made it impossible for me to have access to my report. Which is creating a tremendous amount of stress, emotional, anxiety, sleep disruption, I need access to my report in order that I can obtain the credit needed to obtain personal, family and household necessities. This is vital and Equifax is denying me my access to credit. Which in itself is a crime under all the consumer financial protection laws
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

After visually checking my three credit reports, I have discovered that the following credit scores are being reported from all three credit bureaus. XXXX  report my score at # XXXX, XXXX report the score at # XXXX and Equifax is reporting my score at # XXXX. As you can see Equifax score is XXXX nearly XXXX p0ints lower than the other two bureaus. I tried to get an answer to no avail.
Consumer complaint received 2023-10-28
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. (GA)

The following accounts/Inquiries I did not authorize to be opened/initiated, and would like them removed from my consumer reports. I have disputed them previously and would like validation of the ownership if they can not be removed. Also, the credit bureaus ( along with the creditors ) will need to provide their verification/investigation process, in detail, as well ; rather than just responding with unsupported statements. 

Accounts : 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 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 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 2024-04-25
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. (NY)

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, XXXX, and Experian. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, XXXX, or Experian, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, XXXX, and Experian have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, XXXX, and Experian have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

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 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 XXXXXX/XX/XXXX
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 purpose.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 purpose.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX Easy acceptance a critical issue concerning my recent experience with the auto loan and gap insurance coverage arranged through your dealership. 

, I purchased a vehicle from establishment and, as part of the financing arrangement, opted for gap insurance coverage. Subsequently, I encountered an unfortunate total loss incident with the vehicle. At this juncture, the role of the gap insurance policy came into play to bridge the financial gap between the outstanding auto loan balance and the actual value of the vehicle. 

I dutifully adhered to all prescribed procedures and document submissions with timeliness, culminating in the successful resolution of the auto loan through the utilization of the gap insurance coverage. I received official confirmation that the auto loan had been entirely satisfied, and it was considered closed. At that juncture, I reasonably believed that my financial obligations to your dealership had been comprehensively fulfilled. 

Regrettably, I have subsequently received communications indicating an outstanding debt amounting to several XXXX dollars purportedly owed to your dealership. This development has had a significantly adverse impact on my credit score, which is deeply disconcerting. My commitment to abiding by the stipulated terms and conditions of our agreement remains unwavering. 

I earnestly request a thorough review of your internal records with the aim of rectifying this matter forthwith. It is of paramount importance that my credit standing is not unjustifiably tarnished due to erroneous reporting by the dealership. I have attached documentary evidence, encompassing proof of my existing gap insurance coverage and comprehensive confirmation records pertaining to the loan settlement, for your reference. 

I anticipate a swift response and resolution to this issue, given its significant implications. I extend my appreciation for your prompt attention to this matter. It is crucial to acknowledge that, should this matter persist unresolved, I may be left with no alternative but to contemplate legal recourse to safeguard my rights and financial stability.
Consumer complaint received 2023-08-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I am a government employee eligible for XXXX XXXX XXXX XXXX ( XXXX ). After my XXXX application was processed last year, my loans were transferred from Nelnet to XXXX. I noticed that my XXXX XXXX XXXX dipped recently, and upon investigating I found that both XXXX and Nelnet were reporting the same student loans. This, essentially, doubled the student loan balance that appears on my XXXX credit report and negatively impacted my score. I noted that, on XXXX and XXXX, the loans appear correctly ( solely under XXXX ). 

On XX/XX/2023 I opened a dispute with XXXX asking that the Nelnet accounts be removed, as my loans were being double reported. On XX/XX/2023, XXXX closed the dispute without removing the superfluous Nelnet accounts. I am turning to CFPB for relief, as in this high interest rate environment, having an artificially deflated credit score is a major hardship.
Consumer complaint received 2024-04-25
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. (TX)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.