davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : CHILD SUPP XXXX {$9500.00} 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 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-02-17
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. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-27
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. (NY)

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 accounts 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 XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

I noticed on my credit report that I owe {$29.00} to XXXX bank. This showed up in XXXX. I have no idea what it is. I can not get a copy of a bill or get any information from the company regarding the amount. most credit card companies send a bill I have no bill. I don't know what this is in the meantime it's gone from $ XXXX {$59.00} to I believe today I saw it's {$100.00}, I don't know how interest goes up that fast but anyway, I pay much larger credit card bills monthly but for some reason nobody can tell me what this is. I disputed this with Experian and they say it's legitimate and the only way to reach the commodity for this problem is via letter - a XXXX XXXX XXXX in this day of age I find that very strange. I don't have any idea what this is I don't see why it's so hard for somebody to talk to me on the phone. I called Experian 's number and it's automated you can't talk to a live person. I want get this resolved it's not helping my credit report and obviously if I owe {$29.00} I would pay it it's ridiculous and frustrating. I filed another dispute stating I did not know what the amount is for. I guess the creditors get all that or the alleged creditors get all the support. I really feel this is a scam.
Consumer complaint received 2024-01-04
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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding the inaccurate information present on my consumer report and their failure to rectify these errors, thereby violating my consumer rights as protected under various laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s2. 

I have recently attempted to correct the inaccuracies on my credit report with Experian through a formal dispute process. Despite providing clear evidence and adhering to the proper procedures outlined by the FCRA, Experian has failed to address the discrepancies and uphold their responsibilities as a consumer reporting agency. 

The inaccuracies in question include non-mailable addresses and incorrect personal information. The erroneous addresses are as follows : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX These inaccurate addresses are currently affecting my credit report, leading to potential harm to my creditworthiness. I have provided Experian with the correct and sole address, which is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Furthermore, Experian has inaccurately reported my full legal name as well as my date of birth. My correct name is XXXX XXXX, and my accurate date of birth is XXXX Any other name or birthdate reported is a direct violation of my consumer rights under the FCRA. 

I am prepared to take legal action against Experian for their non-compliance with the FCRA, specificaXXXXly 15 U.S. Code 1681s2. This section outlines the responsibilities of furnishers of information to consumer reporting agencies and prohibits the reporting of information that is known to be inaccurate. 

I am also relying on other permissible use laws to defend my consumer rights, and I request the Consumer Financial Protection Bureau to investigate this matter thoroughly. The actions of Experian have not only violated federal law but have also put my financial well-being at risk. 

I am seeking your assistance in ensuring that Experian adheres to the legal obligations set forth in the FCRA and other applicable laws. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify this situation. 

Thank you for your prompt assistance and commitment to protecting consumer rights. Additionally, I do not consent to e-Oscar or any means of automated verification
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MS)

American Express somehow mixed up myself and someone with nearly the same name, and gave me private information about that person over the phone. They also changed this persons contact information to match my own, sending me emails and such that continue to violate their privacy and expose their payment history, etc. I notified American Express several times, asking them to please correct it, and was told to contact their Fraud Department to look into it. Its not fraud ; its the companys own mistakes. Whenever I contacted their Fraud Department, they seemed to not be concerned and asked me to call further departments to correct this error, which lead nowhere. American Express is opening itself up to a lawsuit for breach of privacy and do not seem to care they are exposing private information or want to correct it.
Consumer complaint received 2021-01-05
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. (NC)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2023-07-31
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (CT)

Department of Education discharged all loans due to total XXXX. Three year monitoring period passed in XX/XX/2023. As a result of me applying for aid which is pell grant. They are attempting to collect in XXXX when I don't have any loans and monitoring period has passed.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

On or around XX/XX/XXXX, I discovered that on my Experian credit report, my XXXXt loan ( approximately $ XXXX ) was mistakenly shown via two separate Department of Education loans ( one with XXXX and one with XXXX ) and I submitted a dispute on their website. The other two credit reporting agencies do not ( mistakenly ) have the XXXX loan designated as open like Experian ; nor is the total student loan balance double the actual amount as it is on the Experian credit report. 

The XXXX loan was transferred to XXXX effective XX/XX/XXXX. XXXX sent me notification of the transfer of the loan to XXXX, confirmation that the XXXX loan has a XXXX balance ( due to the transfer ) which confirms that the XXXX loan is closed. Experian responded to my dispute by verifying the information I submitted was accurate, but Experian failed to correct the inaccurate information my credit report by closing the XXXX loan. Instead, Experian took some other action ( adjusting the initial balance of the XXXX loan ) which is irrelevant and unhelpful because the loan needs to be designated appropriately as closed/transferred. 

On or around XX/XX/XXXX, after a follow up call to Experian during which I explained these circumstances to no avail, I submitted the two documents from XXXX described above to substantiate my claim in a second dispute. On XX/XX/XXXX, Experian responded by informing me again that they verified that the information I provided was accurate. However, once again, Experian failed to correct the inaccurate information by designating the XXXX loan as closed/transferred which is apparent from the documents from XXXX as well as my loan payment history. 

Experian is ignoring the obvious, that the loan I had with XXXX is closed due to the transfer to XXXX. As a result, I am impacted by the impact of this inaccurate information, and Experian has not been helping despite my multiple attempts to update my credit report even though they acknowledge the information above is accurate.
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (GA)

The past year, I have repeatedly contacted the collection agency ( Diversified Consultants ) to dispute the account information on my credit report. The company ( Diversified Consultants ) would not provide details on the accounts. I sent the company ( Diversified Consultants ) documentation that the debt was not a verified collection as I contacted the original creditor for information. The original creditor could not verify the debt and sent information to the credit bureaus to remove the information from my credit reports. The debt collector ( Diversified Consultants ), despite this, still has the alert on my credit report.

I have contacted them on two separate occasions by phone but was told they would not remove it.

On XX/XX/2019, I requested via written correspondence sent certified mail to the debt collector ( Diversified Consultants ) to provide all information associated with the debts so I can do further research. As of today ( XX/XX/2019 ), the debt collector has not provided documentation regarding the debt to me in written form.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION ()

On XX/XX/XXXX my NFCU bank account had an authorized online transaction of {$5000.00} to an unknown and unauthorized account. I was informed by my bank that this transfer was sent from a device in XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have been living in XXXX for the past 30 years and the last time I, or my husband was in the U.S. was in XXXX I mention my husband because we share devices as well as all our bank accounts, passwords etc. NFCU states that my husband ( of XXXX years and XXXX children ) should not have access to my account because it is not a joint account. I assume that this is their reason for denial. This is not a cause for denial if a proper investigation was done. I have the right to request information concerning the investigation and how they arrived to this conclusion, which has not been given. 
When I reported the fraud to my account in XXXX, I was told by the person from the fraud department that it was evident that my account had been compromised and that I would receive the amount in 10 days. There should be a phone recording. 
Apparently all my information on the account was changed to a fake email, name and telephone number. I was not alerted of this transaction because the email was replaced with an unknown one. How they got access to my information, security phrase and password makes me believe that a data breach occurred. I will send an appeal although NFCU informed me that it was useless. I kindly request any information and assistance that you can offer in order to resolve this issue. Thank you.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have reached out to XXXX XXXXXXXX XXXX in regards to the late payments that were inaccurately reported to my credit report from XX/XX/XXXX to XX/XX/XXXX. I made every payment on time, However XXXX XXXXXXXX XXXX  did NOT post my payments to my account when they were made. I have attached a list of my payments from their website to show that the payments were made. 

XXXXXXXX XXXX XXXX inaccurately posted late payments to my report. They are inaccurate as you can see I made the payment. XXXX XXXX XXXX has also violated my consumer rights according to USC 15 1681a ( 2 ) ( 1 ). As the consumer, the person ( XXXX XXXX XXXX ) have inaccurately reported transactions ( late payments ). This have made my experience of purchasing a home a horrible one.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your attention an issue on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed the presence of late payments that I believe have been inaccurately reported. I kindly request your assistance in promptly addressing and rectifying this matter. 

I understand the importance of accurate credit reporting, and I value the integrity of the information contained in my credit file. However, I believe there may be errors in the reporting of late payments that are affecting my creditworthiness. To assist you in resolving this matter, I have enclosed copies of relevant documentation, including proof of timely payments during the periods in question. 

XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX  customer service representative . 

I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate information be corrected promptly. I trust that you will handle this matter with the diligence and attention it requires. I kindly request that you keep me informed of the progress and any actions taken to address this issue.
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

The previous address I lived at for 5 years is attempting to collect money for a water bill that we do not owe. As stated in each lease we signed the complex known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX was responsible for the " Wastewater or Sewage '' portion each month. I contacted their parent company XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MN XXXX and spoke to the direct manager XXXX XXXX phone # XXXX about the situation and was told it would be taken care of, it has not. It has been turned over to a collection agency National Credit Systems Inc XXXX XXXX XXXX. This has put myself, my XXXX, s and my XXXX  excellent credit history in jeopardy and has negatively affected our lives. 
These actions were first initiated by National Credit Systems Inc on XX/XX/2023. I contacted the 3rd party that is used for the Water/sewage billing company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX which provided usage statements and clearly we do not owe monies. 
Sincere Thanks, XXXX XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the accurate reporting of information on consumer credit reports. I urge your bureau to adhere to the FCRA guidelines and conduct a thorough investigation into the legitimacy of these newly reported fraudulent accounts. It has come to my attention that despite your previous efforts in removing fraud accounts, new instances have emerged, adversely impacting my creditworthiness. I question why your bureau is allowing the reporting of unverified fraud accounts, tarnishing the accuracy of my credit report. 
XXXX XXXX XXXX XXXX XXXX, PLEASE DELETE!!! 
I would appreciate your assistance in providing detailed verification of the accuracy of the reported fraud accounts within the statutory 30-day period.
Consumer complaint received 2024-01-04
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am here once again to dispute the late payment account that is being reported on my credit report. The account in question is as follows : XXXX XXXX XXXX XXXXXXXX. I have reached out to XXXX XXXX  regarding the validity of the debt, but they did not provide any proof. As I am looking over my credit report, I have noticed that this account is being incorrectly reported as a late payment account with a balance due. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. I urge you to take immediate action on this matter and conduct a thorough investigation to ensure that my credit report is accurate.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America have not revealed my claim and they have not given me the Provisional credits as their policy States Also I filled a hardship In which I have not been credit for neither I've been calling and calling day after day and I still get the same answer and that you for calling card holder services What can I help you with and the operator also States Can I have your XXXX digit card number or your XXXX digit social secrity number, date of birth, and What is the answer to your security question we have on file.arter answering they just keep telling me to call back because my claims are still pending as a result to that now I am fighting an Eviction cause I couldn't pay my rent
Consumer complaint received 2023-02-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (NJ)

Credit Collection Services has been trying to collect on a debt that has been previously disputed as ID Fraud. I am formally submitting a complaint against Credit Collection Services and XXXX XXXX XXXX for trying to collect on a debt that has been opened without my authorization and or permission. I have attached my signed and notarized FTC Affidavit, police report which is needed to halt all further collections and have these items deleted from my credit reports and other reporting agencies that thy use