davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I am formally writing this complaint regarding initial disputes I have done in the past with EXPERIAN INFORMATION SOLUTIONS. I have disputed the following companies that are reflecting on my consumer report to no avail : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. These accounts are showing inaccuracies that I have pointed out numerous times, but yet they were still not corrected. There are a lot of misleading item notations of charge offs on a few of these accounts. I have even requested for the accounts to be removed due to the failure to correct these inaccurate accounts. My request to correct or remove the accounts from my reports are being ignored. EXPERIAN INFORMATION SOLUTIONS have updated these accounts but did not correct the issues that I had brought notice to. The accounts have been disputed. I want them removed. The Fair Credit Reporting Act specifically states that inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 USC 1681 ( a ) ( 1 ). The Fair Credit Reporting Act states that 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 1681e ( b ). EXPERIAN INFORMATION SOLUTIONS knows this for a fact. These accounts have been updated numerous times by EXPERIAN. I am requesting their removal. If, 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. 15 USC 1681i ( 5 ) ( a ) ( i ).
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (NY)

Re discover card account # XXXX Discover card services had opened a pair of disputes that I had not requested : Dispute number 1 - a {$2000.00} charge on XX/XX/22 to XXXX XXXX XXXX on my Discover card ending in XXXX. 

Dispute number 2 - a {$1400.00} on XX/XX/22 to XXXX XXXX XXXX to my Discover card ending in XXXX. 

I do not dispute these charges and had communicated this via fax to the company yet had not received a response. I had also communicated to the company via fax to ensure my mailing address on file is current ( XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) yet have not received a response. 

I have been left to communicate with the company via fax as they refuse to deliver phone or chat support to me citing a " fraud alert '' on my account. 

I trust this complaint will aid to restore normal service to my account and a recall of these erroneous disputes. 

Thank you
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (TX)

I have tried and tried to get a response from Experian to remove these inquiries. I haven`t done business with niether of these companies and nothing is working as a consumer I have the right to have my credit report accurately reporting information that is 100 % correct. the following inquiries is what I have a problem with 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 XXXXXXXX XXXX, XXXX
Consumer complaint received 2022-11-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-11-11
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: FactorTrust, Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX Payment Status Unpaid balance reported as a loss by credit grantor Worst Delinquency Charge Off/Other Derog Balance {$4700.00} Credit Limit 15usci1681i i have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

XX/XX/23 at XXXXXXXX XXXX in the amount of XXXX was transferred from my Chime checking account when my cell phone was stolen. I submitted a dispute with the bank the day it happened and was told it was under review. A few days later go by and I received a email saying it was denied and Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. I submitted a police report the other 3 times I submitted a dispute and it was still denied. Please help!
Consumer complaint received 2023-02-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MT)

O did an online transfer of XXXX dollars on XX/XX/XXXX of 2023 to my XXXX account from my USAA account and they transferred the money to XXXX XXXX. They denied my dispute amd stiffed me for XXXX. This is not right.
Consumer complaint received 2022-05-18
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. (CT)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXXXXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$5900.00} ), XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$9200.00} ), XXXX XXXX XXXX  XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$200.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$180.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MORTGAGE SOLUTIONS OF COLORADO (IN)

I sold a house in XXXX of XXXX. I was current at the time of closing and was never aware of any missed payments or late payments. It is reporting 120 day late payments every single month for the past 2 years on that account. I have called the company Mortage Solutions Finance every single month for the past year to inquire about these errors on my report and they can not supply me with any information, or in fact that or ever existed. They can not find me in the system as ever having an account. This is preventing me from purchasing a house and is damaging and unfair. I have disputed this in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. They are still refusing to remove this from my report but yet can not supply me with that this debt ever existed. How is this possible, they are unable to verify this debt at all. How is this reporting to the credit bureaus?
Consumer complaint received 2022-11-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

My mortgage was sold to Rushmore XXXX earlier this year. XXXX of this year the company claimed to have not received my mortgage payment and processed a late payment on my credit report of 30 days past due to all of the credit bureaus. I have pictures and proof that they did in fact receive the payment on time and processed it. When ever I pay my mortgage online to Rushmore XXXX it takes about XXXX weeks or more for the Website to reflect that my mortgage was paid. Also, I have called the company several time to no avail, I sent letters, and emails and I have been given the runaround, placed on long waits, and then hung up on. I have been told that I would receive correspondence via mail and a call and I have not received any of these things. I have proof that my payments were sent to them on time, This has been an ongoing problem since XXXX of this year. Please help me to get this false late payment removed from my credit report.
Consumer complaint received 2022-11-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: World Omni Financial Corp. (SC)

On XX/XX/2022 around XXXX XXXX  to purchase a vehicle that is dependable because the one I just got is not. I found a truck I really liked it reminded me of my old truck that i no longer have, it was a good truck. Then we went inside and filled out the application where I told him upon completion as I was signing for consent to run the credit check to only run it once. They assured me that they would then they ran it through TOYOTA XXXX XXXX as well as SOUTHEASTERN TOYOTA FIN as I learned through XXXX XXXX. At this point I was informed I would need a large down payment with the credit score they pulled. to which I handed them a copy of the following violations along with some definitions from this website and XXXX XXXX XXXX XXXX A SHORT LIST they took adverse action against me in denial of credit as codified in 15 USC 1691c and is also civilly liability under 15 USC 1692k. they are subject under criminal liability under 15 USC 1691 as I have proof that I was denied credit due to the response I received as well as the print out of denial. they are in violation of 15 USC 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not extended to me. Furthermore, my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SOUTHEASTERN TOYOTA FIN AND TOYOTA XXXX XXXX I have reached out to TOYOTA who reached out to TOYOTA XXXX XXXX and SOUTHEAST TOYOTA FIN gave me a run around. I am also aware they are in violation of 15 USC 1681n and 15 USC 1681o, along with a whole list of other violations. Thank you for your assistance in this matter.
Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX I mailed the debt collector ( Portfolio Recovery LLC ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus on XX/XX/XXXX which is the deadline for Their XXXX validation window. I have not not received a proper debt validation that proves they are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. I would like the collection taken off all credit reports and stopped being pursued in my name as is my right under the Fair Debt Collections Practices Act ( FDCPA ).
Consumer complaint received 2022-11-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

For the past month, I have received over 11 phone calls from over 11 different numbers. I've listed the dates, times and various numbers used as of the past 30 days. 

XX/XX/22 XXXXXXXX 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 XXXXXXXX, XX/XX/22 XXXXXXXX XXXX XXXXXXXX. 

They are trying to contact my husband in reference to alleged debts and have already been told by him to stop all contact via phone. He told them this through a service representative named XXXX on XX/XX/22 at XXXX XXXX  via a call back to their phone ( XXXX ) XXXX.
Consumer complaint received 2023-07-06
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: W&A Intermediate Co., LLC (MS)

I am the author of this complaint and after checking my credit report I noticed a fraudulent and inaccurate account on my credit report. I am not familiar with this company but they are causing me damages and affecting my credit worthiness and reputation I have attached an identity theft report along with a copy of my driver 's license and social security card for verification Account : 1. WAKEFIELD & ASSOCIATES ( Originally XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (OR)

To whom it XXXX concern, My name is XXXX. Back in XXXX I called XXXX to settle down my account with them. They told me they sold my account to Convergent and I should give them a call. I called and spoke with a guy named XXXX and if I pay within 3 days he will do a pay to delete. He sent me a letter to my email about settling down my account for {$3000.00} and to send the checks overnight so they get in time. I sent them all over night with the following writing on all three of them Endorsement of this check constitutes payment in full. You agree to delete within 30 days from my credit report. 
They violated my rights by cashing the checks and not deleting the account and by promising they will update and they never did. 
I called them a week after they cashed them and they told me everything looks good and they will delete and update credit bureaus. They didnt!!! I called them a month later and they told me it takes 60 days to update. Now its been almost 6 months and I sent them letters and they ignore my request. Thats a breach of contract rights. They breached the agreement by still reporting to all credit bureaus that I owe them $ XXXX while we agreed on {$3.00}. How could I owe $ XXXX on an account we agreed to settle for {$3.00}?!?! Not only that but they are reporting incorrect info such as date of last activity, balance owed, last payment, etc! Each credit bureaus has different information and there are inaccuracies among all three bureaus. This means the account has not been properly verified!!
Consumer complaint received 2022-11-11
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. (GA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian Credit Reporting has label my account with XXXX XXXX as Potential Negative less than 2 payments back on XX/XX/2022. My account is due on the XXXX every month and if my bill is due on the XXXX and not paid by the XXXX than its only 4 days late. There seems to a problem reporting negative on credit reports way before 30 days. This account has never been past 30 days late and now my credit score has dropped for being a few days late not 30 days. I just feel credit accounts should be reported after being 30 days late not 3 or 5 days late. I really cant afford for something so mistaken, like this to happen. I am trying so hard to build back my credit score to move again someday. Thank you for your understanding, and your help with this situation.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

XXXX XXXX XXXX XXXX I have my direct deposit going there from my job which every other payday there is a deduction from my money due to a overdraft protection fee whice I do not have overdraft protection I spoke with a manager there at the bank about my concerns of the matter of funds being deducted from account problem was fixed so I thought it happened again overdraft fee due to excepting payment to go thru from these companies and deducted from my account not reimbursed I called the fraud department and they canceled my card was supposed to receive another card never did I had to go into the bank I went to a auto store whice name I will not say I proceeded to purchase items with my debit card thinking my direct deposit money was in there from work which transaction was denied due to payment was not available the cashier tells me that I have XXXX $ in my account by looking at his screen then I asked him how do u know my balance is XXXX $ in my account he turns his computer around lets me see whice there was my personal information of my account exposed on the screen I said no way so I proceeded to pay cash
Consumer complaint received 2023-07-05
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: Commonwealth Financial Systems, Inc. (FL)

I'm trying to buy a house the information that was on my credit report was not accurate. I realized that I had damage report on my credit report. Some was already all paid off, they still have it on mmy credit report. According to the law 15 U.S.C 1681 there should not be no damage on my report it's a definition to my character.
Consumer complaint received 2024-02-20
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. (IL)

I am a person that has been taken advantage of and credit reporting bureau has violated the fair credit reporting rights and I was also not notified about any discrepancies within 30days and Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after its all done.
Consumer complaint received 2024-02-20
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. (PA)

On XX/XX/XXXX   I sent in my XXXX  XXXX ID. My FTC report to Experian. I am reporting fraudulent information on my consumer report. I am following the law pertaining to 15 USC 1681c2. If Experian does not abide by the law and continue to report inaccurate information on my consumer report. I will file a civil suit for all violations.