davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
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. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-29
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. (MD)

I'm not related with these credit managers, and I didn't start the inquiry. I'm mentioning that you get them out of my credit report immediately. These sales are not supported by me and are pointless to my monetary exercises. I demand their expansion from my credit report.
Consumer complaint received 2024-03-29
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. (NY)

According to XXXX XXXX XXXX Experian is supposed to ensure MAXIMUM ACCURACY This account violates these laws 15 USC 1681i 15 USC 1681s-2 15 1681i 5 15 USC 1681e ( b ) Delete Hard Inquiries and Soft Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ASAP Credit Repair (AL)

I paid my first required payment of {$200.00} for the total ending payment of {$340.00} upfront credit repair services to Asap Credit Repair Services on XX/XX/2023. The company representative XXXX, at that time stated to me that if they could not guarantee complete credit repair services and and an increase in my credit scores, which are now lower than they were before I began paid services to this company that I was reluctant to begin with, that if they could not deliver guaranteed results then I would be eligible for a full refund of all of my monies paid out to them. The company reached out to me after the 90-day time frame that was given to me only to confirm they were not able to deliver the guaranteed results they initially stated and then tried to offer me another round of credit repair instead of my full refund only to stall in paying me back my money. I have submitted several emails to them requesting a full refund of my money. They have not remitted my money back to me!! They have been giving me the runaround and stalling in paying me back for over a week now. I want my money paid back to me immediately!!!
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (TX)

I got a flyer from my school about job opportunities through XXXX. And the person in charge of this job offered me that I have to do specific daily tasks as a personal assistant, which involved sending money to foster care people for children, school supplies, or surgery. That person sent me checks XXXX times, and all the reviews got returned after a couple of days. On XX/XX/2023, I filed a fraud complaint with my bank, and they didn't take much action. I'm a student, and I don't earn that much to provide for myself, and when I asked if the bank would provide or help me with protection money, it seemed like they were not going to do it. They instead asked me to file a complaint with the police.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

On XX/XX/2020 with a copy of my DL and SSN and mail sent with. I have been disputing this since than and have gotten no where with Experian. Yet it has been corrected with the other reporting agencies.There are names and addresses on my report that do not pertain to me including my birth name that I no longer use and have not used in over 7 years. Address that I have never lived at any address that I cant receive mail at or be contacted at.
Consumer complaint received 2023-11-30
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)

These reporting agencies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. ACCORDING TO THE FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!
Consumer complaint received 2023-11-30
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)

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft Within four business days after receiving your request, the credit reporting company must block that information from your credit report. In addition, they must tell the companies that provided the information that someone stole your identity. Once notified, creditors cant turn identity theft-related debts over to debt collectors. 

Four days has passed in regards to this matter the following accounts have not been removed from my credit report. This is my third attempt regarding this matter. 

Accounts : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) It takes 30 days for incorrect reporting information for a dispute process. It takes 4 days total for identity theft victims no investigation is required for this matter with proper documentation this is defamation of my character and I will presume legal action if necessary to the highest extent of the law.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America is urgently withholding {$30000.00} of our money without any reason or explanation. We made a {$7100.00} payment which we have a confirmation receipt of as well as a wire payment for {$10000.00} which landed in the recipient 's account but was pulled back after it cleared the recipients account for over a month, then we made another wire payment for {$11000.00} which was cancelled and never returned. All these payments are currently processing and have been showing as processing returns for 1-2 months but Bank of America has been unable to release these payments to us for an extensively long duration costing us to miss payroll as well as other fees due to a large amount of money being withheld for no explainable reason. In addition to this various check payments to our vendors have bounced for Insufficient Funds even though weve maintained available funds to have enough of a balance to over these payments due to us deferring payroll. Theyve ensured that we would be refunded for the NSF fees due to their negligence however we havent received any refunds for those fees. Lastly, there is an unauthorized credit card account that was opened which Bank of America cant explain or resolve.
Consumer complaint received 2023-07-10
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: Bread Financial Holdings, Inc. (CA)

On XX/XX/2023, I used my Sony Visa Credit Card issued by Comenity Bank to made a purchase of {$32.00} at XXXX XXXX XXXX. Unfortunately, the merchant ( located in another country ) mistakenly charged my credit card THREE separate times, instead of just once. I promptly disputed the two extra charges ( {$32.00} each, for a total of {$65.00} ) with my credit card company and provided a full explanation with documentation and a receipt. Comenity Bank took 90 days to investigate. On XX/XX/2023, I received a formal letter stating that I am not responsible for the disputed amount and that they had made a correction to my account. However, no correction was made. No credit was issued. I have called Comenity Bank multiple times and have messaged them online multiple times. They have still not resolved this issue. I want my money back for the two extra charges of {$32.00} that total {$65.00}. I have attached my credit card statement that shows three repeated charges from XXXX XXXX XXXX, which are captured on paged 1 and 2. I have also attached the letter from Comenity Bank, stating that I am not responsible for the disputed amount.
Consumer complaint received 2023-08-06
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. (FL)

For XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

Mailed information company : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Collection Notice - Lack of Required License Dear Jefferson Capital Systems, I am writing to address a matter concerning a debt collection I never received a notice but I received an alert from my credit report that that your agency has placed on my report. I wish to bring to your attention that, based on the information available to me, it appears that your agency may not be appropriately licensed to collect debts in the state of Texas, as required by the Consumer Financial Protection Bureau ( CFPB ) regulations. 

Please be informed that it is a violation of federal law under the Fair Debt Collection Practices Act ( FDCPA ) for a debt collector to engage in debt collection activities without the necessary state license ( s ). As a consumer, it is my right to ensure that my debt is being collected by a licensed and legally compliant debt collector. Therefore, I kindly request that you provide me with the following information : 1. Your agency 's license number for debt collection in the state of Texas. 
2. Proof of your agency 's compliance with the licensing requirements as mandated by the state 's debt collection laws. 

I expect your prompt response to this request, as failure to comply with the necessary licensing requirements could constitute a violation of the FDCPA. If your agency is not licensed to collect debts in my state, I demand that you cease all debt collection activities related to my account immediately and remove any negative credit reporting associated with this debt. 

Please consider this letter as a formal dispute of the debt and a request for validation under the FDCPA. Until you can provide the requested information and demonstrate your compliance with state licensing requirements, I will not acknowledge this debt as valid. 

I kindly request that you respond to this letter within 30 days from the date of receipt. Failure to do so may result in my taking further action to protect my rights as a consumer. Additionally, please be advised that I will be monitoring my credit reports closely to ensure that the debt collection activities cease, as required by law. 

Sincerely, XXXX XXXX Enclosure : Credit Report Notice CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Office of the Attorney General of Texas XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-12-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (NC)

XXXX working on behalf of Jefferson Capital Systems LLC XXXX has called me several times from several different numbers about several different credit cards for Jefferson Capital Systems LLC. 

While there are several accounts, they are all collecting for the same collector. I advised the representative yesterday to place me on a do not call call list and to not call me. They continue to call and send me text messages and its too much. Sometimes they call 4 and 5 times in one day. 

XXXX ( text messages ) XXXX for XXXX XXXX XXXX, I advised the caller that I told them to stop calling on XX/XX/23 and he did not have anything on file. 
XXXX for XXXX XXXX ( they called today after they were told on XX/XX/XXXX  to stop calling ).
Consumer complaint received 2023-07-24
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. (FL)

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 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX I started a settlement with XXXX XXXX through XXXX XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX I paid the final settlement agreement amount. I paid the settlement as agreed on time NEVER LATE. Unfortunately, XXXX representatives XXXX and XXXX XXXX unscrupulous, disingenuous, reporting practices maliciously intended manipulated my status updates each month, since the settlement began.
Consumer complaint received 2023-11-30
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. (NY)

each company listed has violated my rights as a consumer specifically, under the FCRA 15 U.S.C. 1681b, 15 usc 1692 & 15 usc 6801, 18 U.S.C. 1028A, 15 usc 6802 ( b ) and lastely 15 usc 1681 ( N ) ( b ). Then when asked to provide such documentation they ignored me. each letter was notorized and sent with signature tracking to show the dates received. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX                           I DEMAND THIS INQUIRY BE REMOVED IMMEDIATELY  
Important dates
Inquiry date
XXXX 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2023-11-30
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (GA)

I AM NOT LIABLE FOR THIS DEBT WITH APPLE CARD/GS BANK USA XXXX I DO NOT HAVE A CONTRACT WITH APPLE CARD/GS BANK USA , THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.
Consumer complaint received 2024-03-29
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. (VA)

My name was legally changed by court order in XXXX of XXXX. I submitted this name change to the 3 credit bureaus in XXXX of XXXX after encountering some issues with lenders regarding name mismatch. Experian removed the entirety of my credit history at this time. I filed dispute after dispute, all to no avail. 
I submitted a complaint regarding this and it was actually resolved and fixed, my entire credit history was restored. However, my credit history was, again, completely removed approximately one week later. 
As of now, only new credit lines are reporting in, the lines that I opened to try and test if the fix had actually fixed. My credit report with Experian is missing more than 20 tradelines at this time and making it impossible to obtain credit necessary to repair my house and continue my education.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Investigate and make sure everything is correct, if not delete it from my credit report. Violation is misleading FDCPA Section 807. This agency is in violation of 15 USC 1692g. they were to notify my of this in writing 5 days prior and I was not. As the original creditor only I can validate this debt. I do not validate this debt. Inaccurate information is being published on my account XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-11-30
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)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NJ)

On or about XXXX or XXXX 2023 I logged on to my mortgage site, Mrcooper.com, to check to make sure my payment was scheduled to come out on XX/XX/2023. I immediately encountered a big red banner explaining Mrcooper was under a cyber attack as of XX/XX/2023 and the site was locked for security. A link was provided and on the FAQ was a statement that when ACH payments would resume MrCooper would notify customers. On XX/XX/XXXX {$2200.00} was taken from my checking account under the NSM DBA MRCOOPER name. Mr Cooper customer service can not verify that the payment was received by them. Therefore I have no idea whether they received it or the cyber criminal has. They also provided me with a link to file a complaint with them ( www.mrcooper.com/legal/complaints ) then after filling the customer " ticket '' and clicking submit it will not accept the " ticket '' because the site is shut down. 
Also I would not have even known that the company was under an attack unless I logged on... no email or phone call was ever received by me. 
I do not understand how the company can go ahead and process transactions with having a secure way to confirm payments received.