davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Account XXXX XXXX, XXXX, is inaccurately reporting on the credit reports associated with my social security number and violates my consumer rights as evidenced by the following information : There are several inconsistencies in this account on the credit report. Firstly, XXXX has not specified the account type in detail, unlike XXXX and Experian. Secondly, the high credit reported by XXXX and Experian is {$3700.00}, while XXXX reports it as {$3000.00}. Thirdly, the credit limit reported by XXXX and Experian is {$3000.00}, but XXXX reports it as {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), specifically the section that requires credit reporting agencies to provide accurate and complete information in credit reports. Under FCRA Section 611 ( a ) ( 1 ), credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy of the information '' in a consumer 's credit report. The inconsistencies in this account information suggest that the credit reporting agencies did not follow reasonable procedures to ensure accuracy. 

Additionally, FCRA Section 623 ( a ) ( 2 ) ( A ) requires credit reporting agencies to promptly correct any inaccuracies in a consumer 's credit report. Since the high credit and credit limit reported by XXXX are different from those reported by XXXX and Experian, XXXX should have corrected the inaccuracy in its report promptly. 

In summary, the inconsistencies in the account information reported by the three credit reporting agencies violate FCRA Sections 611 ( a ) ( 1 ) and 623 ( a ) ( 2 ) ( A ) regarding accuracy and prompt correction of credit report information. In addition, the account does not belong to me.
Consumer complaint received 2017-04-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (AR)

False inaccuracies reporting, i asked for a investigation for issue as my right, no reply. I mailed a certified letter of investigation request to the address provided to me by experian credit bureau and the USPS returned the mail. Could not provided accurate validation of verification in the alotted time frame more than 45 days and counting.
Consumer complaint received 2023-09-26
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. (GA)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-10-20
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. (MO)

Experian says my XXXX account needs more time for boost they stole 15 months of on time never late payments in the pics below you clearly see Experian is lien to cfpb. They keep doing his in retaliation for me filing complaints
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My card was stolen or lost. I dont recognize many charges. The charges that I dont recognize triggered over {$140.00} in overdraft fees. Ive been with this bank for many many years, cant believe Im being treated this way. Additionally citizens Bank is supposed to not allow any purchases if the account goes below XXXX. However, they continued to allow the card to be used even though the account was in the XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (FL)

I was seen at XXXX XXXX XXXX. I am a XXXX veteran and was reffered out and seen at XXXX XXXX XXXX  for a medical issue. The Veteran Affairs office has already paid XXXX XXXX XXXX, this is an attempt to double collect the payment that they have already received.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received an email on XX/XX/2023 at XXXX from XXXX informing my TransUnion credit file was unlocked. I called TransUnion at approximately XXXX asking how my credit file was unlocked without my permission. I was given a security code when I locked my credit file. I was informed by the representative that they no longer provide security codes. She could not determine why/how my account was unlocked. While she was freezing my account. I received another notification from XXXX informing me my credit was unlocked and a third notice that my account was frozen while on the phone with the representative from TransUnion who informed me she is based in the XXXX. She was professional but could not determine why my credit file was unlocked. She informed me I will receive a letter from TransUnion in approximately two weeks confirming the freeze. I signed onto TransUnion and confirmed the freeze was placed. I still need to have the account re-locked and confirmed by TransUnion. And I still want an explanation as to why the credit file was unlocked.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

NOTICED ERRORS ON CONSUMER REPORT AND MADE I, C, SYSTEM, INC AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. I.C. SYSTEMS, INC, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT THAT WAS CHARGED OFF BY ORGINAL SO CALLLED CREDITOR AND THEY HAVE NO CONTRACTUAL AGREEMENT WITH ME NOR HAVE THEY EVER 2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS OF A DEBT BEING PAST DUE IN THE AMOUNT OF {$1900.00}. THAT HAS BEEN CHARGED OFF WITH XXXX XXXX XXXX XXXX. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Ive dispute the incorrect reporting of my personal information on 3 occasion XXXX XXXX XXXX XXXX  with a copy of my valid driving license, Social Security card and a current electric bill as documentation of proof. My correct address was add but the addresses Ive never lived, addresses that are undeliverably, and/or I have no access to are still being reported and the explanation Ive given is it their policy rather that following the guidelines under the FDCPA.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SANTANDER HOLDINGS USA, INC. (OH)

On XX/XX/XXXX I, the consumer applied to # XXXX XXXX for a XXXX XXXX XXXX XXXX in which # XXXX XXXX pulled my credit twice. Both of those consumer transactions I was denied. I am creditworthy, I tried to express that but was still denied. 
I checked my consumer report and seen that Santander Consumer USA Inc. had a hard inquiry which brought my credit score down by 3 points. I wrote a letter to Santander Consumer USA Inc. in which i told them I can not be denied credit because I am creditworthy. I also expressed that because my social security card was used due to the hard inquiries and there was no benefit on my end that could be classified as fraud. ( unauthorized use of a credit card ). I expressed that this caused me mental and physical distress because I have a one year old and we are going through a hardship. I told Santander Consumer USA Inc. that this is discrimination because the Truth In Lending Act and Consumer Law Does not say one can be denied cred only Insurance and employment.
Consumer complaint received 2023-10-20
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-14
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. (MD)

On Monday, XX/XX/2023, I mailed a certified letter, with identifying documents ( attached ), to Experian asking them to verify the information from their investigation. The original investigation took more than 60 days ( violation ) from the original date my dispute letter that was sent to the company in XXXX and a CFPB complaint was filed and a response finally given in XXXX. In the results, Experian stated that they " verified '' the information, which can not be true, and I requested verification of debt under FCRA Act Section 611, the request of an explanation of the verification method used by the CRA and a request of records obtained under the FACTA act, SEC 312 ( b ) and ( c ) with the information listed. This certified letter was sent certified USPS tracking number XXXX and delivered directly to a worker per USPS tracking to Experian on XX/XX/2023 ( confirmation attached ) with several copies of my identifying information as proof of identity enclosed. On Tuesday, XX/XX/2023, I received a ridiculous letter from Experian attempting to stall the verification process and investigation AGAIN using a letter stating that they they were not sure it is me and attempting to bully me into not replying and/or letting their nonsense and fake reporting into this investigation go. This is absolutely ridiculous and this company is continuously being allowed by the CFPB to ( 1 ) violate my rights under FCRA, ( 2 ) use stall tactics to not do their job, ( 3 ) report false and erroneous information without any repercussions.
Consumer complaint received 2023-12-14
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. (PA)

On XX/XX/13 the following parties ran a hard credit report without my consent. I do not have accounts or have ever filed inquires with these companies. 

XXXX ( Finance ) XXXX  XXXX ( Bank ) These parties ran a regular credit check. I do not have accounts with any of these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to dispute these credit inquiries as I did not file them. Ive attached the screenshots from my TransUnion report.
Consumer complaint received 2023-12-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NC)

I was recently laid off from my position effective XX/XX/23. I called Navient to discuss repayment options for someone that is unemployed. I was previously on a rate reduction program, in which my monthly payments were {$580.00}. The program ended in XXXX, so I was calling to extend the program- which I have been able to do for the last several years. They were not able to assist and said there were no options for me. My monthly payment now is more than double at {$1300.00}. The customer service agent suggested I not pay this month 's bill, hurt my credit, then see what options *may* be available next month. She would not allow any temporary deferment or forbearance.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Number : XXXX
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

One Main Financial is reporting with XXXX that I was 30 days past due. The same month they reported to XXXX that I was paying as agreed. I was not paying this account and did not pay this account late in the month that they said. I have statements showing that there was no past due amount. Also, they kept saying that I had other fees that never showed up on my statement. I keep paying on the account but did not know what I was paying for. They finally waived the NSF fees that stated that I owed, but at the same time, they reported that I was 30 days past due. This is wrong and a violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-03-29
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

The company continues to add on fees that I am unaware of. I understand that yes, I get behind on making a payment. But, when I make the payment, I am always told this will take care of what needs to be taken care of for that month. The next thing I know, I am getting other charges saying I have racked up numerous late fees that were never disclosed to me. When the company went under another company, all of a sudden these fees were always there. 

The most recent instance took place in XX/XX/XXXX where I talked with one of the lenders, and he clearly stated the amount I am paying will satisfy what I owe for the month. Then I get a letter in the mail stating the amount I paid did not satisfy that month and they needed more money.
Consumer complaint received 2023-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (GA)

Violation of consumer rights on XX/XX/23 I sent a letter to Mercedes Benz Financial revoking security interest and right to repo. They sent a letter by mail to respond stating i am claiming to have the right. I did it by mail as CFR Section 1026.23 ( 2 ) To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (CA)

My accounts were being accessed by someone other then myself and i wanted to close accounts over the phone, they said i could not until i spoke with there security team who could not resolve the issues from the beginning. I have a terminal medical condition and try to avoid going physically areas with due to that fact that i am susceptible to becoming seriously ill. i do not wish to talk to there security team to simply close accounts and made multiple phone calls but it only ended in them taking in circles keeping me from closing my accounts and causing more stress then need be. There is not a significant amount of money in the accounts to begin with. Their systems put my personal information out to the world so i do not wish to bank with them anymore and just have my accounts closed that have been compromised.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MO)

I have never had an account with this company Jefferson Capital REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Jefferson Capital the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (PA)

My credit got affected multiples occasion about this debt that is not mine and in the past has been removed from my credit report because I was victim of identity theft. but every 6 month again without any information the collection appears in my credit report.
Consumer complaint received 2023-12-14
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: National Credit Systems,Inc. (AR)

Starting on XXXX, I started to ask how they verified that the debt of National Credit Systems Inc is accurately reporting and send a second letter requesting the method of verification from the credit bureau on XXXX when i received a response from XXXX that it has been verified as accurate. The reason why I was requesting verification is that XXXX and XXXX could not verify the debt was valid, so these bureaus deleted it from my report. 15 U.S. Code 1681s what has been violated. XXXX has fail to supply me with anything bearing my signature to verify the debt of National Credit Systems Inc is mine. Having this information on my account is getting my credit denied for home loans and credit accounts.