davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
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. (FL)

In accordance with the fair credit reporting act account # XXXX, has violated my rights 15 u.s.c 1681 Section 602 A state I have the rigth 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 Account number XXXX Original Creditor ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MA)

Account Number XXXX XXXX  CAINE & WEINER COMPANY INC The reporting of such inaccurate information has caused me severe damage to my character, my reputation, my general motive of living and my ability to obtain credit for personal and house purposes. 

your inaccurate reporting have damaged my livelihood. 

According to the LAW Fair Credit Reporting Act : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information.

( 1 ) 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.

The Collection Agency has not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) but yet they placed a collection in my consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( 4 ) ( i ).

Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A )
Consumer complaint received 2024-04-09
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (TX)

I sent letters to XXXX, Equifax, and XXXX on XX/XX/22 disputing an account on my credit report that they are inaccurately reporting. The account in question is XXXX XXXX XXXX XXXX. The information across all 3 bureaus is inconsistent and incorrect. XXXX and Equifax are reporting different late payments, but how can this be when the data furnished should be the same? Also, I was never late on this account because I was on deferment due to covid. I am actually protected under the CARES ACT so I am not sure why this hasn't been updated. Another violation is that XXXX has no payment history-only has it as being charged off, but somehow the other 2 bureaus are reporting late payment history along with it being charged off. I have tried to have this information corrected for over 4 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and/or the account to be deleted. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. Please find the credit reports attached. Please conduct a proper investigation and update this account. My email is XXXX XXXX
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I opened a Citi checking account in XXXX, I sent a wire transfer from my business account at XXXX  in the amount of {$110000.00} to my personal bank account at Citi bank on XXXX XXXX. The funds arrived normal I used some of the fund but about {$68000.00} was left. On XX/XX/2024 they blocked my account and online access and said they decide to close my account because I violated they account agreement which I did not, only thing I did was use my account sent few wires and paid payments. So I was told that it will take them XXXX days to close the account. On XX/XX/2024 they closed my account and on XX/XX/2024 I received a check for {$200.00} as a balance owed from closure of the account. I went to Citi bank and was told that I need call in for this so I contacted Citi bank and got rerouted to XXXX different departments when I was finally told that after they completed their investigation they concluded that no funds were going to be returned to me. And I kept asking how they concluded that no funds are owed to me and they cant answer. They refused to give me any details and only thing they said is I will not receive any funds from my account that I had funds in and they said they wont be sending it back to the sender of the wire either.
Consumer complaint received 2024-04-09
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. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-09-06
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

The company sent another generic response post dated beyond when I again brought up that I can not access my account. 

At the time of my initial message as noted in the previous letter shared by Nelnet, XXXX mentioned I had confirmed I could access my account- this was correct. Nelnet then removed my access as a result of engaging my attorney- its retaliatory. 

My information was correct, I had no issues with my password or login credentials - I now can not access my account. Its not a password lock out, Ive saved screen shots and corresponding collateral as reference. 

Restore my account. Whatever needs to be done so I may view debt, disclosures, and other information as I so please as is the same access granted for other borrowers. 

I will continue to file complaint after complaint until my access is restored. Instead of a canned letter- have your team correct the issue instead of resorting to repeating information seemingly aimed to further impede my ability to understand whether Nelnet is again fraudulently withholding payment, inaccurately reporting interest accruals, etc - restore my access. 

For clarity, and hopefully to actually resolve the issue, I do not need help resetting my password - Ive tried this numerous times with confirmation of acceptance only to be locked out - Nelnets IT Admin needs to correct the account issue on the backend by either resetting and sending me a link to restore etc.
Consumer complaint received 2024-04-30
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. (CA)

- [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX  XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b . - [ ] XXXX XXXX  XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b.
Consumer complaint received 2024-04-09
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is NOT a duplicate, it is a new complaint as apparently, despite telling the CFPB and me that they would stop mailing me junkmail solicitations, I received yet ANOTHER one in the mail today. It appears this pathetic disgusting company isn't satisfied with annoying the XXXX out of everyone with their incessant repeated ads, but they have to harass us through the mail as well with repeated unwanted credit card solicitations. Apparently, when you're an XXXX banking professional, with an IQ XXXX XXXX, this is what you think is good marketing. I am self-employed and this one came attention to my D/B/A at my home address
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-09
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 credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Letter sent and responded to XXXX XXXX XXXX XX/XX/23 to verify debt. They refuse to verify debt, this is not mine. I am a victim of identity theft and they have 3 accounts on my credit report they can not validate.
Consumer complaint received 2024-04-09
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. (UNITED STATES MINOR OUTLYING ISLANDS)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-04-09
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: Experian Information Solutions Inc. (NY)

I try to apply for a loan with XXXX Bank last month, XXXX XXXX  advised me Experian the credit bureau placed a freeze on my credit report which i never gave Experian any authorization to put any type of freeze on my credit report. this has caused me problems of trying to get a loan. I contacted Experian several times regarding the freeze they just keep giving me a confirmation numbers which dont help me at all i ask them to transfer me to their freeze department no one ever picks up the phone. This is causing me alot of headaches and problems regarding this matter please help me Consumer financial Protection Bureau to resolved this matter its very urgent i would highly appreciated.
Consumer complaint received 2024-04-09
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. (MA)

XXXX Years ago a joint checking and savings account was opened between my wife and I and at the time it included a reserve credit. Late in XXXX we were notified via email, I believe, that the account would be closed. I called to see what this was in relation to and was told due to inactivity it would be closed. If I wanted it to remain open I could simply transfer {$25.00} dollars into checking account. I did this over the phone with the rep online. Since then, in my error, I did not payback the {$25.00}. I have several XXXX XXXX  XXXX accounts and all have been paid timely. This payment was a complete oversight. I was never alerted, contacted or made aware of the late payment that was due but anyone taking a look at my account would be alerted that all other accounts were in good standing and clearly this payment of $ XXXX was just missed. 

After the XXXX Days this account was closed and written off ( Around XX/XX/XXXX ). Never any information from XXXX XXXX XXXXXXXX regarding this. No alerts, no paper mail and no Email notifications. Junk mail was also scanned while on the phone with a rep at XXXX point and none of them ever made it to an inbox. 

In fact the only reason I was even alerted of this was because I was denied a loan and found that XXXX had reported late payments and a write off. Within days the outstanding {$27.00} ( $ XXXX ) was paid and am awaiting this to make credit reporting. Credit score always over XXXX was now down near XXXX but recent late payments were flagged on the account. 

Reached out to XXXX XXXX XXXXXXXX to see if they could assist and was met XXXX a very friendly rep who assured me that this could be fixed. Shortly after that first phone call the reps that contacted me were less helpful, accusatory and stating that this was my error and XXXX XXXX  XXXX did what they had to do and this was my problem. My credit impacted for 7 years over a simple {$25.00} error. There were several calls into BOA and no resolution was ever offered. The account is paid off with interest and it is very clear to anyone looking that this was an error and not avoidance of a payment. 

However, XXXX XXXX XXXXXXXX refused to assist on my behalf ( customer with multiple accounts for over 20 years ) with any remedy. No understanding, no explanation of any part, This was our fault and XXXX XXXX XXXX could and would not assist. When asked about guardrails or alerts it was never answered and the finger was always pointed back in our direction. 

This mistake was our oversight and understand that we missed this payment for months but it was simply a mistake and an error. A mistake that has been remedied but the damage to credit score is done and I find it very hard to believe that XXXX XXXX XXXX on its customers behalf can not offer a single solution to improving this situation.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-09
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 am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt,
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (NJ)

Most banks are frauds with duplicitous dealings. I have filed an ID theft report and will file a police report in due time for the ID theft to hopefully ultimately determine and catch the perpetrator. Regions Bank is of no help and only serves to harass me. I already filed a complaint with the XXXX to contact them with the resolution of not contacting me about a fraudulent account. I am sure they will do their best to craft and intricate lie in response to this complaint while ignoting the XXXX  complaint. I am paying a lawyer an extensive amount to clean up the ID theft and don't need to waste resources on some subpar regional FI who can't even comprehend the factors and steps involved for a true property rights claim. Maybe, like most banks, they can " legally '' steal someone else 's money who is more unsuspecting.
Consumer complaint received 2024-04-30
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. (GA)

On XX/XX/XXXX I submitted a request to have XXXX accounts removed from my credit report, due to the fact that they were canceled by the creditor. I submitted my copy of the XXXX that both XXXX XXXX and XXXX canceled these accounts. Under the governing laws of the IRS, canceled debt is deemed income by the IRS. Which means that I now must file these forms with my XXXX tax return. Attached is evidence that these accounts were indeed canceled. It is illegal to report a canceled account to a credit report because it is now considered income by the IRS.