davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
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. (IN)

Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifiable, invalidated, Inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I cant get any new account because on going issue the company I applied at cant identify me under credit bureau they have an old name and old score this affected my life I will be homeless because of this fix this please I have no where to live because I cant be identified there my credit
Consumer complaint received 2023-09-09
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)

I am writing to formally dispute and register a complaint regarding several persistent inaccuracies on my credit report, which include incorrect addresses, charge-offs, and numerous inquiries. These issues have adversely affected my creditworthiness and have not been adequately addressed despite my previous disputes. I have attached a copy of my credit report highlighting the disputed entries for your reference. I want to express my frustration and concern regarding these inaccuracies, which have continued to persist on my credit report despite my best efforts to resolve them. These errors are causing significant harm to my credit history and my ability to access financial opportunities. : Please investigate and correct the multiple inaccurate addresses listed on my credit report, as they do not correspond to my residential history. I dispute the legitimacy and accuracy of the reported charge-offs, and I request a thorough review to rectify any errors in this regard. There appear to be numerous inquiries on my credit report that I did not authorize. I would like these unauthorized inquiries removed from my credit report immediately. I kindly request that you initiate a comprehensive investigation into these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : 1. Verify the accuracy of the addresses listed on my credit report and promptly remove any incorrect ones.

2. Review and rectify the status of charge-offs, removing any inaccuracies.

Investigate the unauthorized inquiries and remove them from my credit report.

I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. The following items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$880.00}.
Consumer complaint received 2023-09-09
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. (FL)

I am writing to formally dispute and register a complaint concerning the recent appearance of new late open accounts on my credit report, as well as the reporting of my XXXX XXXX account as charge off account. These issues are adversely affecting my credit profile and merit immediate attention. I have attached a copy of my credit report for your reference. I have identified new late open accounts on my credit report, which I believe are inaccurately reported. Additionally, I would like to address concerns regarding the reporting of my XXXX XXXX account. It is crucial that my credit report accurately reflects my financial history, and I am deeply troubled by these discrepancies. Please investigate the legitimacy and accuracy of these late open accounts, as they do not align with my financial activities. I request that any inaccuracies be corrected promptly. I believe there may be inaccuracies in the reporting of my XXXX XXXX account. It is essential that the information reported accurately reflects my account status and payment history. I kindly request that you initiate a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : 1.Verify the accuracy and legitimacy of the new late open accounts and rectify any errors. 
2.Review the reporting of my XXXX XXXX account to ensure it aligns with my actual payment history and account status. 
I also request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. These are the following accounts needs to be corrected : XXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00}.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I asked Chime to cut my card off on XXXX while I was XXXX  The head XXXX  allowed me to do that. Chime did not do that. I received my # 2 stimulas check on XXXX and with in 2 min a XXXX XXXX XXXX my money transfered to them. Chime will not open back up my dispute. I have opened it multiple times and they said I need to give them more information. They won't contact or give the Sheriff Dept. any information. I have showed them proof I was XXXX up in XXXX. They send me the same letter every time saying to give them more information and then they will open my dispute. I have gave them everything I possibly could. They said my account had no change in profile information. Yes it was changed. They changed my phone number because Chime gave the number to me on account that was changed too. They will not cooperate what so ever with the investigation. I'm at a loss because they still think it was me that got the money. I was in XXXX Gave proof to them. They know they messed up when they did not cancel my card and protect my account like I asked them too. They will not give me the money back or let the Sheriff dept have the information to what ATM was used to get money off of, or information to make an arrest. I have emails where they say they will help and they are investigating. Not one time have they reached out to me to even let me know they keep closing my dispute. They are doing nothing to get my money back and they won't pay my money back. I have contacted them hundreds of times but get nowhere. They won't help me.
Consumer complaint received 2023-05-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-09-09
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. (FL)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: I.C. System, Inc. (VA)

RE : acct XXXX I spoke with XXXX On XX/XX/2017 and agreed to do a pay and delete on an outstanding debt. As of XX/XX/2017 I paid the agreement amount of {$130.00}. However, since that time the debt still appears on my tradeline with all XXXX credit bureaus. I have spoken with several agents and supervisor and recently spoke with a manager named XXXX who on several occsians, most recently XX/XX/XXXX and XX/XX/XXXX who indicated information was sent to have the tradeline removed and yet it still appears. I was also advised on several times by the same manger that he would have a delete letter sent and its has now been two weeks and still no letter. Several phone agents advised that the same letter would be emailed, and still no letter. However the manager advised the letter could only be sent via mail. I have received nothing but conflicting information, and now that my debt has been paid they are refusing to remove the information from my tradeline. These collection agencies collect on accounts but then they do not honor the agreement. The requested documents are never sent and when you call, you are either disconnected or told there is nothing they can do. In my recent conversation with XXXX he advised that they would not contact the credit agencies and that he could not control the mailing time. He also indicated they would not be re-sending a letter. This collection agency has used false practices so that I could pay the debt. Now the debt is paid and still remains on my account and is still affecting my score, although it has been paid. I was told my the initial phone agent, several agents in between and the manager that the debt would be marked as paid and DELETED BUT NOTHING HAS BEEN DONE. Please assist me in getting this matter resolved and accept my complaint against the misrepresentation of this collection agency.
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

AFNI Subrogation Department demanded payment of {$1500.00}, on behalf of XXXX XXXX XXXX, for a loss that occurred XX/XX/2023. No other information was provided. Also, I am not aware of or involved in any incident/accident that occurred that day or any other day this year ( XXXX  ).
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (CA)

On XX/XX/2019 I opened an account with Gemini. An app to buy and sell Crypto Currency. I wanted to buy some because it was all the rage. I deposited {$40.00} on that day. When I tried to withdraw the money it said I needed to verify my identity first. I sent the info and picture of my ID on XX/XX/2019. It then said " Pending Verification ''. And has said Pending since then. Since 2019 the {$40.00} Investment turned into {$200.00} and I still can not withdraw because it still says " Pending Verification. '' I am so angry and feel some kind of fraud is going on and have thought about talking to a lawyer about this. I have sent at least 10 emails and complaint to them but they have not responded even once. This is madness. This has happened to many people! I checked on XXXX and this is so common it now feels like a money laundering scheme.
Consumer complaint received 2024-03-12
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2017-02-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Riverwalk Financial Corporation (MO)

This company put an old debt beyond the statute of limitations back on my credit report after it had fallen off over a year ago via the original debtor and another collection agency trying to collect on it. They NEVER sent any communication nor called me and allowed me to dispute it. They also lied about the dates and put XXXX XXXX. This debt was from XXXX. I saw it on my credit report via XXXX. They illegally parked an old debt and did it silently. I called and advised them to take it off immediately and advised them it was illegal and I would report them. The lady said she would NOT help me because I raised my voice and told her to take it off, that it was illegal, and an illegal practice. She advised me, she did n't care.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (UT)

On XX/XX/XXXX  and XX/XX/, I received an email from Nelnet stating : Dear XXXX, Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. As a reminder, you dont need to take any action at this time. 

What to Expect Next If we havent finished processing your application in the next 10 days, well keep you informed with a follow-up email. 
Once we have finished processing your application, well send a letter or email ( according to your communication preference on file ) with the outcome of our review. 
Our emails are your best source for status updates about your IDR application, so please watch for emails from us. If you need assistance, please visit Nelnet.com/contact, as this is a non-reply email. 

Thank you for your continued patience.
Consumer complaint received 2021-05-14
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. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-04-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

Conserve debt collection agency set me up on a payment plan to get my student loans out of default. I had to make 11 consecutive payments, then my account would be sent to a company and would be in good standing again. 

I gave Conserve authorization to do automatic debts from my checking account. They took it out twice a month on my pay days. On the last month they didnt take my payment. I contacted them and they stated I called and told them not to contact me anymore. That was a complete and utter lie! I was then told I had to start all over again and make eleven more payments to get out of default. 

I contacted the Department of Education and filed a complaint. I was told I would receive a response in the mail. I never received the response and was told they denied my claim. 

The fact that they must get paid for the money they bring into the Department of Education, is the reason they didnt accept my last payment. I want to be able to pay my loans off, but dont feel safe paying Conserve. I asked for another company to work with and was denied. Now my teacher salary is being garnished and Im being told I have to pay Conserve as well the garnishment from The Department of Education. I cant live like this and need assistance.
Consumer complaint received 2023-04-30
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. (TX)

XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX You are in direct violation of the Fair Credit reporting Act 15 U.S. Code 1662b - Advertising of downpayments and installments. 
( B ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (KS)

Due to repeated customer service issues and payments not being credited correctly despite being listed as posted, discover is refusing to credit my bill with the posted payments. They repeatedly lie that it is returned for nsf. I have on average 1.5 to 2x the entire limit of the card in my account at any given moment. they keep cancelling my autopay. 

Customer service has repeatedly treated me like an XXXX at both the first and second levels of support.
Consumer complaint received 2023-06-16
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. (TX)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2018-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SUNTRUST BANKS, INC. (VA)

I closed a checking account on suntrust bank. due to an auto pay the bank open my account once again and the auto pay was trying to withdraw. so since I didn't have any money. the bank was charging me {$35.00}. each time that they were trying to withdraw. so I went to the bank to see was happening they told me that they open the account again for the same reason. so they charged me a total of {$550.00}. I didn't wan na pay them and they sent me to collection.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have 19 hard inquiries from XXXX, XXXX XXXX  that I dont recognize and its hurting my score please help
Consumer complaint received 2018-05-01
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: JPMORGAN CHASE & CO. (VA)

Chase Bank has sent me multiple notifications that I have been denied an XXXX XXXX XXXX card. I have never applied for such a card, and have no intentions of doing so. I've previously contacted Chase directly to let them know that an application for this exact card was fraudulent, and they issued information to XXXX to correct my credit report, but it has happened again. They should have taken steps by this time to prevent the error from being repeated, but yet again I have to resolve the issue rather than them preventing fraudulent credit applications in my name which seem to only ever occur for this particular card with this particular company. I'm sick of this XXXX. 

Chase reference number XXXX
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (CA)

I checked my credit and saw a report from RS CLARK ASC for XXXX XXXX XXXX in the amount of {$350.00}. I have no earthly idea where this debt stems from or who the company is.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX Account number XXXX Closed XX/XX/XXXXXXXX  XXXXXXXX XXXX XXXX Account number XXXX Closed XX/XX/XXXXXXXX  Both accounts listed above I disputed due being reported twice to all 3 credit bureaus with different closing dates and accuracy. I'm demanding that all late payments be removed this mortgage loan is paid off and should reflect current.
Consumer complaint received 2023-09-08
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.