davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Spring Oaks Capital, LLC (AR)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-11-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

On XXXX XXXX, I notified the credit bureaus that the information on file is not correct. I am identity theft victim and according to Section 605B of the Fair Credit Reporting Act, which requires you to remove and block information that is on my file that I state is a result of alleged identity theft within 4 days after the notice has been received. 15 USC 1681 Section 604A states the consumer reporting agency can not furnish an account on my file without my written consent. I did not give written consent.
Consumer complaint received 2024-03-05
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AVANTE (FL)

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. 
XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX 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 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MO)

My mortgage Loan with BSI Financial ( XXXX : XXXX ) was recently transferred to XXXX XXXX ( XXXX ). I made my first payment with XXXX XXXX last month and they haven't updated my balance. At the same time BSI Financial is saying that I missed a payment. BSI wouldn't answer / reply to emails probably because they closed the account.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 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 2024-03-05
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : 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 2023-06-19
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. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove the following items : 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 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (AR)

Around XX/XX/XXXX, American Education Services ( AES ) reported to the credit reporting agencies that I am a joint owner and have joint contractual liability for five student loan accounts. AES has misrepresented the ownership of these student loans accounts on my credit reports. The accounts were open by a sole owner on the following dates with the original loan amounts : XX/XX/XXXX {$26000.00} ; XX/XX/XXXX {$5300.00} ; XX/XX/XXXX {$20000.00} ; XX/XX/XXXX {$10000.00} ; and XX/XX/XXXX {$10000.00}. I did not agree with AES to borrow money from their financial institution for student loans. I agreed to cosign the loans but I did not sign as a joint owner or joint borrower. The legal status of these titles make a tremoundous difference. I co-signed for the sole account holder and owner of the accounts who borrowed the money. At some date, which I am not sure, AES changed Responsibility to Joint Account impling that I borrowed these funds. This change impacted my credit report with adverse transactions and more importantly causing my credit score to decrease by 45 points or more. I discovered this drastic decline when I checked my XXXX XXXX XXXX account for my free FICO score. 
In legal terms a joint account or co-borrower is an account with two or more individuals borrowing funds or property and the joint owners agreeing to repay in accordance with the terms for payments. In legal terms a co-signer is responsible to pay if and when the borrower/owner fails to pay but has not borrowed the funds and has not agreed to pay on the terms that the owner agreed. Over the course of the repayment, I have complied with the co-signer terms and paid when the borrower/owner was unable to repay the monthly loan amounts. However, this action does not make me a joint owner. AES continual seeks to undermine my credit standing and score, calling and stating that they will report nonpayment should I not pay. They call me even before they check with the borrower for payment or arrangements for payment. AES ' action is a violation of my consumer rights, reporting me as an owner when I am not.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc. (NY)

Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Blackhawk Network Holdings Inc. (FL)

I was sent an exclusively yours reward card with the dollars that I had earned through various gifts ( which I paid taxes on ). I received the card late in  XXXX   XXXX . I was unaware that the card was set to expire in  XXXX  of  XXXX , the only reason that I realized this was because the card was declined when trying to make a purchase on  XXXX   XXXX ,  XXXX . I tried to call the company responsible for the card ( exclusively yours ) and they are stating that " they can not help me, the money is gone once the card expires ''. I am having a hard time with this, especially since I paid payroll taxes on that money and was unaware of this arbitrary expiration date. The card number for this account is  XXXX   XXXX   XXXX   XXXX , security code  XXXX . Any help that you could provide me with this matter would be appreciated.     Thanks,  XXXX
Consumer complaint received 2024-03-05
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. (AL)

I am writing to dispute and request the immediate removal of fraudulent inquiries listed on my credit report. I have recently reviewed my credit report and discovered inquiries that I did not authorize and have no association with. I believe these inquiries are a result of identity theft.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bull City Financial Solutions, Inc (FL)

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. 
XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
1

5 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 2024-03-05
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)

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 2023-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

This company has attempted to collect a debt that I do not owe. I have sent information to XXXX 3 times proving that I do not owe them anything. For one the policy should have been canceled and next because I had coverage with XXXX during the period of time that they are saying I owe them. I also contacted the debt collector the debt was sent to and spoke with a woman who hung up on me then to a guy. I have been getting the run around from two companies who are trying to scam me out of money instead of verifying information and I have been threatened several times about them putting it on my credit file. I am tired of the fraud by XXXX and Credit Collection Services
Consumer complaint received 2024-03-05
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/ at approximately XXXXXXXX XXXX  EST, I placed an envelope into the big blue mailbox in front of the Post Office on XXXX XXXX XXXX XXXXXXXX Georgia. The mail contained my personal check payable to my son, XXXX XXXX, and addressed to him. The check was written against my account with Regions Bank in the amount of {$2400.00}. My son never received the mailing. On XX/XX/, I received notification from Regions Bank that the check had cleared my account and {$2400.00} was transferred to XXXX XXXX XXXX based upon my check # XXXX clearly payable to XXXX XXXX, but deposited and endorsed to the account of " XXXXXXXX XXXX XXXX. I immediately reported the mail theft to the US Postal Inspection Service, Case # XXXX. Next day, I visited Regions and met with Branch Manager XXXX XXXX and filed a check fraud claim, # XXXX. XXXX said that my case was very clear and simply fraud that should be resolved in less than 30 days. On XXXX XXXX XXXX I filed and additional affadavit on an Unauthorized Check Dispute Form. 

I have continued to follow up with visits and telecons with Regions Branch Manager XXXX XXXX and after 5 months, have not had my {$2400.00} restored to my account. I have tried multiple times to escalate my case with Regions. I have received sympathy but no real help. Regions is deferring to XXXX XXXX XXXXXXXX for resolution. I don't have an account with XXXX XXXX XXXX. Regions is responsible for taking money from my account and giving that money to XXXX XXXX XXXXXXXX based upon a fraudulent deposit by a third party with my check made payable to my son. I have tried to get help from the FDIC who then referred me to the Federal Reserve. The Federal Reserve then referred me to the Consumer Financial Protection Bureau for help. This fraud investigation should not take 5 months plus to resolve and restore my stolen funds. The update I got from Regions just today said that the update has not changed and please do not request another update for 30 days!
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Hello! It's My Mother 's Account. They have her in the HOLE of $ XXXX XXXX Dollars. 
Secondly, she recently PASSED and I'm trying to get help with that also. 

I keep calling, and they ( CHASE ) give me phone numbers where no one answers. 
I can't get help! It is so sad ... ..
Consumer complaint received 2024-03-05
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a documented 2 closed accounts with capital one that states on all three credit reports that i have viewed, that my acct. with capital One credit card was closed and a charge off. Therefore Capital one has sold the debt that i supposedly owe as of XX/XX/XXXX with starting Credit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of Capital One and received a call from XXXX at Capital one Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.
Consumer complaint received 2022-12-24
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-03-05
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. (IN)

i looked at my credit report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy XXXX, Bankruptcy - XXXX are not complete and accurate. 

i sent a letter to XXXX  and experian on XX/XX/XXXX asking them to make sure everything is complete and accurate. and i also sent another letter on XX/XX/XXXX and here is my tracking numbers XXXX XXXX Its been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

They also violated these laws And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.