davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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. (IN)

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. 

DEPT EDXXXX : # XXXX {$75000.00}, XXXX : # XXXX {$28000.00}, 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 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I contacted Experian and XXXX about some identity thief. they both refuse to remove a fraudulent XXXX  XXXX XXXX account after I sent a copy of my police report and FTC report that they requested. They said the account was verified by the company, so I said with what proof? I was told that information could not be provided, and I could not re dispute the account again. I let them know that under the information act they had to provide it, And I was not notified by mail or email of this decision. And was told no they do not have to. This is the second time I have had to make a complaint against both this company for refusing to remove fraudulent information on my credit report.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the credit bureau ( Equifax ) due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor XXXX XXXX XXXXXXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor XXXX XXXX XXXX ) XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX Inquired on XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX  Inquired on XX/XX/2023.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX  XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX  ) XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 ; XXXXXXXX XXXX  Inquired on XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX Inquired on XX/XX/2023.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days of I will forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Starting in XXXX, Fifth Third began applying my mortgage payment 3-4 business days after it was sent by my bank XXXX and received by them. This has happened in two concurrent months. XXXX has confirmed the money was deposited in the correct account. I have not had this issue in the past. Fifth Third has not provided a good reason for the change and I believe they are unethically not posting the payment to collect additional interest from me and potentially others.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 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 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 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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
Consumer complaint received 2023-10-07
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. (IL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$7900.00}.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$44000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (GA)

On XX/XX/2023, I received a notification from my credit report that my loan balance had increased by {$480.00} with American Education Services ( AES ). I have reached out to them before because these unexpected fees just show up without any reasoning behind it. My payments are automatically withdrawn every month on the due date and hasn't been late in years. I truly believe these loans are set up so that you never truly pay them off. As of today, I have already paid over the amount that was initially borrowed years ago, with half being allocated to interest alone. I believe this is a sophisticated way to create fraud without anyone recognizing it. Any correspondence received is very simple with no true understanding of why my balance keeps increasing.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Paypal Holdings, Inc (PA)

I had requested XXXX XXXX XXXX. I already have account. My email linked to my account is : XXXX and my documents were all verified few times. Please open and process XXXX XXXX XXXX. Please follow up with me at the email as registered. Thank you, XXXX XXXX.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WY)

At the beginning of XX/XX/XXXX, I applied for an Income Based Repayment Plan. At first, I had to resubmit some income information, which was fine. I supplied everything that was required and received a letter stating that they would process the application. However, on XX/XX/12 and XX/XX/13of 2018, I received correspondence through my electronic inbox that I would requested to have my plan changed to a Standard Repayment Plan, which I never requested. In fact, I had requested the IBR and they sent this in their own words : We received your request to remove your loans from an Income-Based Repayment ( IBR ) plan and to repay under another plan. Then the following day, I received the payment plan terms which said I have to begin making payments of {$1200.00} per month on a monthly income of {$1900.00}. This is why I applied for a plan that was based on my income. Now they are saying that before I can even reapply for a lower payment I must make this payment in full for a month. This will cripple me and may end in the loss of my home or car if I have to make this type of payment. Again, this is why I applied for the IBR, which the servicer now claims was an application for a standard repayment plan. If I was already on the standard plan how or why would I request the standard repayment plan. It does not make any sense and I can not pay the standard plan. That is why I applied for the IBR and sent in all documentation stating my income / eligibility.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (VA)

Since XX/XX/XXXX Ally Auto XXXX tried to debit over {$3000.00} out of my account instead of {$660.00}, my normal payment. After XXXX contacted me about the unusual amount trying to be debited from my account Ally Auto has insisted that I have been behind in my payments. Ally has stated that since XX/XX/XXXX I have not been paying within the 30 day thresh hold but yet and still my online mobile account shows payments for each month, late but paid. 
There was a question about a returned payment for XX/XX/XXXX. After sending the bank statement ( redacted ) which displayed the payment was available and withdrawn by Ally Auto, my credit report has been tarnished drastically by Ally Auto stating I am 4 months behind. I have all of the payment receipts and bank withdrawals. 
There were times when Ally would debit the account due to autopay before my direct deposit was there and the bank would not honor the payment. I would manually make the payment the same day later in the afternoon and Ally would resubmit the payment through the bank and it would come back as insufficient because I would have made the payment manually.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to correct a late open account that is still erroneously reported on my credit report. Despite my diligent efforts to rectify this issue, I am disappointed to find that it continues to adversely affect my creditworthiness. 

I first contacted your agency to report and dispute a late open account on my credit report that I believe to be inaccurate. Since then, I have made several subsequent attempts to resolve this issue by providing all necessary documentation to substantiate my claim and following your agency 's dispute procedures diligently. 

Regrettably, despite my persistent efforts, the late open account remains on my credit report, causing significant harm to my credit score and overall financial stability. This inaccurately reported account negatively impacts my ability to secure loans, housing, and employment opportunities, and it has eroded my trust in your agency 's ability to maintain accurate credit reports. 

I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of the late open account. It is imperative to emphasize that this discrepancy is not a reflection of my financial responsibility, but rather a recurring error on my credit report. 

I urgently request that you take immediate and definitive action to correct this inaccuracy by removing the late open account from my credit report. I have provided substantial evidence to support my claim, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the correction has been made. 

Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Ensuring the accuracy of credit reports is paramount for maintaining trust and confidence in the financial system. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to correct this late open account immediately : XXXX XXXX XXXX : {$900.00}.
Consumer complaint received 2023-10-07
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX Balance : {$340.00} XXXX  XXXX Balance : {$320.00} XXXX XXXX Balance : {$320.00}
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$340.00} XXXX  XXXX Balance : {$320.00} XXXX XXXX Balance : {$320.00}
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (NC)

Opened account XX/XX/XXXX with referral link : XXXXXXXX XXXX XXXXmoneylion.comXXXX XXXX  XXXX Completed requirements for bonus as outlined in terms and conditions at time of opening XX/XX/XXXX XXXX XXXX XXXX XXXXwww.moneylion.comXXXX XXXX XXXX Referrer must send Referred Individual their unique referral code by following the prompts in the MoneyLion App.

2. The Referred Individual must download the MoneyLion App and register as a MoneyLion user.

3. When prompted during the registration process, the Referred Individual must input the unique referral code sent by the Referrer.

4. The Referred Individual must open a XXXX account. 

Referred Individual must switch their direct deposits to XXXX : Set up a minimum of {$100.00} recurring direct deposit into XXXX, which must appear at least twice in the XXXX account. '' Received XXXX direct deposits ( only XXXX required ) : XX/XX/XXXX {$100.00} XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} Contacted customer service via email over XXXX times incl. XX/XX/XXXX, XXXX, XX/XX/XXXX. Told via email XX/XX/XXXX " I do see your valid referral and the {$50.00} Direct Deposit Bonus ( " Reward '' ) processing. Please know it takes up to 14 days to be deposited after youv'e met the requirements, so looks like you got a few more days to go. '' and then never received bonus despite multiple outreach and escalation attempts. Given the runaround and lied to multiple times by agents contradicting written terms and conditions.
Consumer complaint received 2023-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX and all information stated below is to be accounted for as my personal statement. 
My identity and personal credit report were used without my knowledge or consent. 
The reporting of this information is in violation of the FCDPA 15 USC 1692c 805 ( b ) Which states : " Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector '' My personal credit file is displaying information that is fraudulent and I have attached the Identity theft report as required by FCRA 605B ( 15 U.S.C. 1681c-2 ), Subsection ( b ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.