davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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. (GA)

There are 3 different dates reported under date of last activity, last verified, date reported, date opened, closed date, high balance, last payment and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? Delete for inaccuracy. Delete accounts immediately due to violating my consumer rights under the Federal Credit Reporting Act law 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I have submitted several disputes for the past year regarding inaccurate information on my credit report and the credit bureaus have failed to conduct a proper investigation to correct the inaccurate information on my credit report. The credit bureaus have violated my consumer rights and have not taken my disputes seriously. Every account listed in the attached credit report is inaccurate. DELETE IMMEDIATELY DUE TO INACCURACY. I have attached my credit report from XX/XX/year> with all the inaccuracies highlighted. This complaint serves as my dispute. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-05-22
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. (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 account has been paid but XXXX has been reported as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX TX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX TX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. 
XXXXF ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. 
XXXX XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. XXXX XXXX AUTO ACCOUNT NUMBER XXXX BALANCE {$520.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. 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 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 seven 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 2024-05-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MD)

Dispute # 1 Shellpoint Statements sent to me contain incorrect data. 

To resolve this dispute/complaint I am requesting the prompt posting to my portal, or delivery by US Mail of corrected monthly statements for the periods ending on these 3 dates. 
Period ending XX/XX/2024 Period ending XX/XX/2024 Period ending XX/XX/2024 Specifics of my complaint. The current statements mailed to me, and currently posted to my portal, ending on the above 3 dates contain material data errors. 
Specifically, these statements contain the following incorrect data : Beginning principal balance Interest charged for the period Ending principal balance
Consumer complaint received 2019-07-03
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 — Was not notified of investigation status or results
Company: PlusFour, Inc (NV)

Received information from another creditor whom denied me an extension of credit due to a negative entry on my credit report placed by Plus Four. After receiving the notice via mail from the creditor, they referenced XXXX  as the provider of data. I pulled my XXXX  report to find Plus Four had placed a negative entry on my credit file which also appeared on my XXXX  file. I sent a debt validation letter to Plus Four dated XX/XX/2017 via USPS Certified mail with Return Receipt. Plus Four received the debt validation letter as evidenced by the signed Return Receipt I received back from post office. Although Plus Four never provided a response to my request for debt validation via mail nor phone, they removed the negative entry from my XXXX  file but did not remove the negative entry from my XXXX  file. Due to Plus Four 's failure to validate the debt as requested and their refusal to respond in an appropriate time frame, I am requesting immediate removal of this negative entry from my credit file as I am entitled to receive under the Fair Debt Collection Practices Act. Prompt attention to this request is appreciated.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XX/XX/year> {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$140.00} XXXX declare under penalty and perjury under the laws of the United States if executed outside of the XXXX XXXX that the foregoing is ture and correct to the best of my knowledge further I certify that i am permitted by Federal and state law to file this dispute I also understand that knowing and willful misstatement or omission of material facts constitutes a Federal Criminal violation punishable under XXXX u.s.c XXXX. These collection found within my credit report are not reto any transactions that i made i am alleging that a person or company without my authorization used my personal identity to apply for service or goods all is being investigated by FTC
Consumer complaint received 2024-06-15
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XX/XX/1976 SSN : XXXX Dear Sir or Madam CC : CFPB Please be advised that inquiries appear on my credit file due to identity theft. I have filed an FTC Identity Theft report which is attached : the items Violate U.S.C-1682 ( c ) ( 2 ) and must be blocked removed within 4 business days.

The following inquiries violate 1681c2 and do not appear as result of any authorized transaction involving myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I used an XXXX XXXX credit card by Synchrony Bank to make an XXXX purchase from XXXX XXXX. A XXXX days later a XXXX items were shipped via XXXX. A XXXX days later I get an email that my order is canceled. When I tracked the items already shipped it showed the shipment is being returned to the shipper. I contacted XXXX XXXX and they said the order did not pass internal integrity checks so it is canceled. 

XXXX months later I did not receive a refund for the shipped items and can't get a response from XXXX XXXX so I mailed in a dispute with Synchrony Bank. XXXX weeks later their website showed the dispute closed yet i received no communication from them. I called them to initiate another dispute. XXXX weeks later it showed closed again. I submitted a XXXX dispute via their website message service. I included printouts of the original order, the order again showing it canceled, and the XXXX tracking showing the items returned to the shipper at the shipper 's request. 

Synchrony Bank found in XXXX XXXX favor stating I signed a XXXX  agreement. 

The merchant canceled the order on me, the items were returned to them before being delivered to me, and I never received the items.I provided proof of all this. It's not possible to find in the merchant 's favor. It's fraudulent and unethical to continue billing me for items I did not receive.
Consumer complaint received 2024-07-01
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. (TN)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-01
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. (CA)

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 accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-29
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. (FL)

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SOME LATE PAYMENTS ON AN ACCOUNTS THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXXXXXX XXXX  ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THOSE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (VA)

Date account was open XX/XX/year> Creditor name : XXXX XXXX XXXX Collection agency : Midland cred Balance : {$1200.00}, This company sent this debt to the collection agency as a charge off However, I am unaware of this debt I didn't have a opportunity to dispute this information, if in fact you Believe you gave me proper notification then please send me the certified mail receipt with my name and address on it stating that I received it
Consumer complaint received 2024-05-29
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-07-12
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 have mailed out dispute letters regarding old addresses no longer associated with me and employers on XX/XX/year>. I have yet to see this information updated on my credit report through identity XXXX. All information must be up to date and accurate. Any time i call bureaus to remove and update very simple things, they give me a hard time, and hang up the phone. Customer service when calling Bureaus, especially XXXX is the WORST ever when it comes to communication.
Consumer complaint received 2019-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (AR)

On XX/XX/2019 I submitted an application to open an account through Simple Bank. After 2 weeks of not hearing anything, I contacted Simple Bank this morning ( XX/XX/2019 ). 

XXXX explained to me that my application got stuck through the process and there is nothing they can do to push it through. She stated I could apply again but it would more than likely get stuck again. 

I asked her if there were any issues causing this to happen with my application and she stated ... it sometimes happens due to a technical glitch. I asked if I could submit an application or open an account over the phone and was told no. I then asked if I just need to just not open an account with Simple and she stated yes. 

I am beyond confused with this situation and how/why it was so easy to just not accept me as a customer. 

XXXX was also very unsympathetic of the issue and no apologetic. 

I am very disappointed in the lack of service I received today with Simple Bank.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MS)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo owes me compensation for my accounts that had excessive overdraft and insufficient funds, these were 2 accounts that had been closed with them, I also was a victim of ID theft. I called customer service to alert them that I had a new address but the lady who answered didn't seem to care and didn't take my information. Please give compensation from lawsuit for the unethical practices.
Consumer complaint received 2023-10-26
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. (TN)

I have reached out to all three credit bureaus regarding the account that is listed below : XXXX XXXX Now this account is open but is not reporting information to each credit bureaus. I have sent in dispute letting each credit bureaus know that the account they are reporting inaccurate information. Each credit bureau has different information that they are reporting. When if the credit bureaus are getting the same information from the same furnisher, then how is that they all have different information. 

I have sent each credit bureau the credit report that shows that each of their credit report is showing different information. 

I have highlighted, sent in a dispute letter and provided them with all the information, and they are still reporting that the information is accurate, and they have updated, and it shouldn't be updated. Because they have not reached out to the furnisher about if the account is accurate or what information that need to be reported.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (SD)

XX/XX/XXXX - I informed Goodyear of a {$1200.00} payment on my account that I did not make. Goodyear responded by thanking me for the payment ( as if they did not read what I wrote them ). 
XX/XX/XXXX - Goodyear mailed me an unsolicited check for {$1200.00} and I asked them if I was free to cash the check. Goodyear responded by telling me that once the balance was validated they would be sending me a check. ( once again they seemed to ignore my message because I just told them I had a check from them ) XX/XX/XXXX - I gave the check to charity.

XX/XX/XXXX- Goodyear made a payment reversal and charged my account {$1200.00}. 
XX/XX/XXXX - I disputed the charge, but Goodyear told me I must pay {$1200.00} during the dispute process to avoid fees and interest. I paid {$1200.00} and brought the account balance to XXXX. 
XX/XX/XXXX - Goodyear makes a " payment reversal '' of {$1200.00}, and transfers the money to another credit card I hold with Citi Bank ( I did not request this transfer ). Goodyear asks me to pay another {$1200.00}. I told Goodyear to move the money back to the Goodyear account where it belongs. 
XX/XX/XXXX-XXXXXX/XX/XXXX - I have been on the phone for hours with Goodyear. They keep apologizing for the problem and saying they will fix it. At the same time they add interest and fees to my account and have reported me as delinquent to the credit bureau. They harass me with multiple collections calls each day.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I'm working with a XXXX XXXX XXXX and they know about it before this account was place in collections, I enrolled in Debt solutions program, and I informed this company about my situation. So now this is impacting my credit or what is left of my credit I'm going to hardship time and this company din 'd work with me.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

XX/XX/XXXX I made a purchase to XXXX. I could not use the service properly and wanted to cancel. I thought I was being billed XXXX monthly but they were billing XXXX monthly average with annual payment of XXXX. They charged {$84.00} up front. Since the service is XXXX and I cant use it, I called customer service to cancel. The phone number listed on website goes to a prerecorded line that says we do not offer phone support. I sent an email requesting refund to XXXX as instructed by CITI BANK on XX/XX/XXXX and there was no response from XXXX. Their website says I can not get refund after 30 days of purchase so I acted quickly. Now I have been disputing this charge with CITI BANK who gave me a conditional credit then TOOK IT BACK and is also charging me interest on the charge as Im now over the limit. I have sent them copies of the receipt, my email request and completed all the paperwork they asked and I still do not have my refund. This is clearly consumer fraud on both ends. Ciiti bank is just as guilty as XXXX
Consumer complaint received 2024-05-29
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)

I took a loan with XXXX XXXX in XXXX to alleviate some of my financial burdens along with potentially purchase a new vehicle, everything with them was great in the beginning and they were helpful a few times throughout my loan process and I am thankful for that. However, I have gotten terminated from multiple employers along with losing my vehicle, my home, close people in my life, being cut off and disowned by people in my life due to personal reason in addition to my financial burdens. I have been on the streets, shelters, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and denied unemployment benefits. I have not been able to get steady employment other than under the table which barely makes ends meet, I have explained everything to them, but they are empathic to a point. I try to condone myself professionally, however as a consumer I should have a right to speak out about how I feel about things and my feelings. I have worked since I was XXXX, despite the abuse I received from the age of XXXX and has been ongoing. I have going through emotional and financial stress ( as well as duress due to the current and past issues ).