davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (OH)

I was contacted on XXXX and showed this website called XXXX. I did not think it was a scam because I spent 3 weeks not putting any of my on money in. If anyone on XXXX mentions crypto immediately block them and do not respond back. Do not send any money to XXXX either. It is all a scam.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Over the past couple of months Bank of America has let my account be hacked 4 times. Now they are holding {$400.00} of mine that was stolen from a fraudulent transaction and now I cant pay my bills until they give it back. At first they told me Id be refunded in 24-48 hours and its well past that time frame. Now say they will not give it back until XX/XX/XXXX. This is putting me in a tough position and my phone is going to be shut off unless I get the money. Why do you let these people run over the little people like this? {$400.00} is nothing to them but its causing many problems for me.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Before my complain, I would like to inform you that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Initially had to call the bank 2 times to be able to file a claim on charges that I did not authorize then finally spoke to a supervisor who was able to process the claim. The 2 reps prior to made the process very difficult and did not seem to know what they were doing or were distracted during the call. I had been charged for subscription services thru XXXX for XXXX XXXX which was actually included in my XXXX Bundled account. I discovered these charges in the beginning of XXXX & tried to resolve the issue with XXXX and XXXX but they advised to call the bank to reverse the charges. That's were the difficulties started. The XXXX bundle began as of XX/XX/XXXX but the claims started as of XX/XX/XXXX XXXX
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (HI)

Have not received any communication, release of judgment, removal of debt from Midland credit management, and removal of debt from my personal credit reports etc. Invoice of total owed received on XX/XX/2023. Check in the full amount of {$4900.00} was mailed out on XX/XX/2023. According to records check cleared in early XXXX. Again! have not received any communication, release of judgment, removal of debt from Midland credit management, and removal of debt from my personal credit reports etc.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, 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 XXXX account # XXXX, has violated my rights. 

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
Consumer complaint received 2023-11-21
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERICAN ADVISORS GROUP (CA)

American Advisors Group. Summer XXXX until XX/XX/XXXX. 

I applied for reverse mortgage on my home. I was told my application was approved but I had to finish my application by a certain date I ( I believe it was XXXX XXXX, XXXX ) to lock in a XXXX XXXX FIXED interest rate. I finished by the date. After months, I received my contract. It was a XXXX XXXX variable rate! They just shove it under your nose and expect you will be stupid enough to sign it. I do not believe it was deliberate fraud. As I will show below, I believe it is a result of sheer INCOMPETENCE. 

I had four different representatives, and each one seemed to know nothing of what the predecessor was doing. I was asked for dozens of things, which were difficult to obtain or which they could have easily obtained. For instance, they wanted proof that there was no mortgage on another property I owned that was not the subject property. How do you prove the non-existence of a property interest!!!! They wanted receipts for property taxes paid. This is XXXX and all the information can be easily obtained from public records by them. Nevertheless, after obtaining all the information they wanted, the next agent would come in and not want any of the things the predecessor did, but rather would ask for all new things. 

They tell you that they will have a property interest in the management of your property because they hold the mortgage, and I do not object to that. But they want control over all properties you own anywhere, not just the one they will have a mortgage interest in. They wanted me to put a homeowners policy on another property I own in another state, and to pay property taxes on that property. But the other property is absolutely none of their business. Even if I were to lose that other property, or for that matter even the subject property, under California law it would not affect one iota their mortgage interest in the subject property. Apparently, they are just too stupid or incompetent to understand this. They really need a course in real estate!! 
Reverse mortgages can be a good idea for many. And there are many reputable companies. I am a California attorney. I recommend consumers use a company other than AAG.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-22
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. (AR)

I hope this letter finds you well. I am writing to express my continued frustration and dissatisfaction with the unresolved issue concerning the late open accounts entry on my credit report, despite multiple attempts to correct this discrepancy. 

As detailed in my initial complaint, I reported an inaccuracy in my credit report concerning the late opening of an accounts. Despite my efforts and your acknowledgment of the issue, the problem persists, adversely affecting my creditworthiness. 

I submitted a follow-up dispute, providing additional documentation and clarification to support my claim. Regrettably, subsequent to this second attempt, the late open account remains on my credit report, and I have yet to receive a satisfactory resolution to this matter. 

I understand that the credit reporting process involves careful investigation, and I appreciate the importance of accuracy in credit reporting. However, the prolonged presence of this erroneous information is causing undue stress and negatively impacting my financial standing. 

I urge you to expedite the resolution of this matter by conducting a thorough and timely investigation into the late open accounts entry on my credit report. It is my expectation that all necessary measures will be taken to rectify this situation promptly, ensuring the accurate representation of my credit history. 

I request your immediate attention to this matter and insist on receiving clear communication regarding the steps being taken to address this issue. As a responsible consumer, I have consistently provided the required information to facilitate a comprehensive investigation, and I expect the same diligence from 3 Credit Bureaus. 

Please keep me informed of the progress made in this investigation and provide a specific timeline for the removal of the late open accounts from my credit report. I believe that prompt action on your part will help restore the accuracy of my credit information and prevent any further negative impact on my financial well-being. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (NC)

XXXX I called the customer service department and they did not help remove the negative inquires that is reporting to my credit report. 

XXXX inquiry date : XXXX XXXX credit acceptan inquiry date : XXXX XXXX acceptance inquiry date : XXXX XXXX. XXXX XXXX inquiry date : XXXX XXXX XXXX auto inquiry date : XXXX XXXX Portfolio inquiry date : XXXX XXXX Financial inquiry XXXX XXXX. XXXX XXXX XXXX inquiry date : XXXX Equifax - XXXX called the customer service department and they did not help remove the negative inquires that is reporting to my credit report. 

XXXX credit inquiry date : XXXX XXXX XXXX inquiry date : XXXX XXXX. Ally financial inquiry date : XXXX XXXXXXXX XXXX XXXX inquiry date : XXXX XXXXXXXX XXXX XXXX  date : XXXX XXXX XXXX of XXXX inquiry date : XXXX XXXX FIN # XXXX inquiry date : XXXX XXXXXXXX XXXX  Sales ( XXXX inquiry date : XXXX XXXX FIN XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date XXXX XXXX Tree XXXX XXXX inquiry date : : XXXX XXXX XXXX BA inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX date : XXXX XXXX Store of XXXX XXXX XXXX : XXXX XXXX. Bank XXXX XXXX inquiry date : XXXX
Consumer complaint received 2023-11-23
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. (NV)

Under my lists of addresses, there is an address of XXXX XXXX XXXX XXXX XXXX XXXX 

I have never been to Louisiana and I have no idea what they're doing with my identity and finances. 

All of the other addresses are places where I have lived. But I don't even know anyone who lives in Louisiana. Thank you. I've asked this to be removed over five years ago.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

In accordance with 15 U.S. Code 1681b ( a ) ( 2 ) XXXX, XXXX, and Experian are not to share and must remove XXXX Account no XXXX XXXX, soft and hard inquiries, student loan information, and previous address information pursuance to 5 U.S. Code 552 agency shall make available to the public information as follows : '' ... ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's a 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23
Consumer complaint received 2023-11-08
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX XXXX Collection {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$640.00}
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Name and address is incorrect Information. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens March 27, 2023 281 SW 715,719 I presume that no proof of the alleged debt, in fact therefore exists.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To whom this may concern I have been dealing with XXXX XXXX XXXX for XXXX of last XXXX  they put a hold in my account I made several complaints thru cfpb account still on hold they also shared my information with 3rd parties which is illegal and shared my personal privacy information also have my ssn and application and making money on my securities without prejudice all rights reserved
Consumer complaint received 2023-11-23
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. (NJ)

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  ) XXXX Collection {$890.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$630.00} XXXX  XXXX Charge-off {$5500.00} XXXX  XXXX Charge-off {$140.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This request is for TransUnion to remove inaccurate information from my report account XXXX from XXXX XXXX  should not be on my report TransUnion is the only agency reports these accounts on my credit report the information in inaccurate and I want it removed from my report asap I will upload supporting documents to show TransUnion is the only agency that is reporting this mis information
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.