davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2023, i reviewed a copy of my credit report and saw there was a few accounts that are reporting inaccurate and erroneous. This has caused me so much distress because I am working on obtaining a home loan and this inaccurate reporting has really harmed my credit worthiness. In addition, the inaccurate accounts have the same account numbers, meaning they are duplicate accounts, which is an FCRA VIOLATION. I do not recognize these accounts and I have also checked with the original creditors and they have no record of this debt under my name. XXXX and Equifax have committed Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. I do not think it is fair that these bureaus are allowed to misreport on our credit reports causing great harm to our reputation and ability to progress! I would like your assistance in making sure these reporting agencies comply with the FCRA laws and are upheld to only reporting completely accurate accounts on my consumer report.
Consumer complaint received 2023-02-02
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. (HI)

I call Experian today XXXX XXXX and they said they wasnt re - investigating Very rude and unprofessional Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian XXXX, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian, XXXX XXXXXXXX are trying to stall me hoping that I will stop. XXXX.Filed a complaint CFPB complaint -came back verified no action taken by you guys. XXXX .Filed a complaint with my State attorney General office. XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXX.Email Experians, XXXX XXXX  Ceo as last resort before I Sue them.
Consumer complaint received 2018-02-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (CO)

American education services keeps calling me regarding my brother, who apparently used me for a reference about 15 years ago. I do not even have a loan with these people! I have told them to stop calling, but they continue to do so almost every day.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

The following information needs to be corrected on my credit report : My name and address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX My previous address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The following name should be deleted : XXXX XXXX, My first middle name is spelled XXXX, not XXXX like it is being reported on my credit report, please correct it. 

And the following previous address should be deleted : XXXX XXXX XXXX. 
XXXX, SC XXXX
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I don't even know why they hold my paypal account for no reason, it's important to me what's in my paypal account that I still have money because that's for my children who still milk and have diapers .... we don't have anything to eat if I can't withdraw it It's been 3 days since I commuted to paypal, I give the necessary info but even if it's valid by rejecting, then later on i check my email that they hold my acc
Consumer complaint received 2021-09-18
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: Thaxton Investment Corporation (MO)

I have disputed on numerous occasions factual inaccuracies across all of my credit reports with this company that should have resulted in the account being deleted. In direct violation of Federal law, the company keeps updating the factually disputed inaccuracies when they should have deleted the account. 

Back in XXXX, XXXX XXXX, agreed to settle my debt and remove the account from my credit reports. As of today, they account has not been deleted and remains on my credit report.
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Hello Im XXXX XXXX I worked for XXXX  They were sued for not paying employees right I won my case They sent me a XXXX XXXX  check Then deposited in chase account They locked my account for about two weeks for what they told me is because they couldnt find the phone number matching the Llc of the company I waited for the days they told me and my account Then would be unlocked and funds and check available But after the days I waited the check was then XXXX from my account bring my account balance to XXXX and now I can not pay my bills or any or my accounts for daily needs. This is almost the XXXX time chase has done this to me at the wrong times in my life and makes me have to ask friends and family for money having me look really bad and pathetic almost feeling hopeless not being able to get to the funds I worked hard and made plans with. Please help me I am young XXXX male leaving in XXXX XXXX and I cant keep making it with chase holding all my funds I work my XXXX off for.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I asked the credit bureaus to do a verification of some accounts on my credit report, they did and stated that everything was accurate. 
I did a research myself found improper and inaccuracies on my credit report after they did their research. 
I have attached the accounts information.. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX listed on the attachment, 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 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-31
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is 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 :
Consumer complaint received 2024-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (CA)

Hello, In or around XXXX of 2023, my Husband became Ill and lost his Job, we have tried to stay afloat, he later regained employment and asked Shellpoint mtg for assistance with deferring payments that are past due, we have an XXXX on the property that is being rented, we have provided Shellpoint mtg with all the necessary documentation that they required and asked for, and a letter of explanation. 

I Believe we are being treated unfairly and that the Mtg company is using this as a way to reposes our home. 

Today I received a letter from them stating that they could not assist us do to them not having a program available for the type of assistance that we require. all we are asking for is for deferred payments on the past due amounts. It makes no sense that they would not want to assist us. 
Please help
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (NC)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2024-01-30
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. (IA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX has broken a legally binding agreement. The status for the account I am referring to was to be updated to ( paid as agreed ; closed ) upon receiving payoff. This verbal agreement was made on a recorded line between a XXXX XXXX XXXX XXXX compliance manager and I on XX/XX/2023. XXXX XXXX XXXX XXXX has failed to deny the verbal agreement. Per Texas legislation, a verbal agreement is legally binding. Not only has XXXX XXXX XXXX XXXX failed to uphold this agreement, the information being reported is inconsistent between all three credit bureaus.
Consumer complaint received 2023-10-29
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: Kikoff Inc. (FL)

Kickoff Lending XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Installment account needs to show up on my XXXX report as well Kickoff Lending XXXX, I am asking for you to investigate and add my installment loan that shows on my XXXX credit report to also show on my XXXX credit report as your site says it will. 

You clearly state XXXX XXXX XXXX XXXX optional add-on ) reports to XXXX and XXXX. We require 1 successful payment before reporting. 

The purpose of this installment account with you, that I paid on time, in full, was to increase my credit profile and score for XXXX and XXXX it shows on XXXX it needs to show on XXXX. 

Please see attached - complaint - drivers license - social security card - address Please have this report to XXXX at once.
Consumer complaint received 2023-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 A section 2 It also states consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 V a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-31
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 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 the companies customer service representative.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

My Chase account was closed by the bank on XX/XX/2023 due to unknown reasons. They said they would send me a check for the remaining balance. Its been over four months now, I go to their banks and call their costumer service regularly, but they have been telling me to wait every time. I am an XXXX XXXX here, without that bank account, I am really struggling with my financial situation. Please help.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

A Balance Transfer Check was issued from XXXX XXXX XXXX XXXX on XX/XX/2023 and received on XX/XX/2023 but not processed until XX/XX/2023. 
presuming this check was lost, stopped Check and and had replacement sent on XX/XX/2023 by XXXX  XXXX tracking # XXXX to Comenity Bank overnight address listed on the back of their bill and received on XX/XX/2023 by a XXXX XXXX at XXXX payment has not been posted yet. I had called on XX/XX/2023 and spoke to a rep who told me it was the payment from fed ex that was posting., she was wrong! I am told by their Reps that paper check payment can take up to 2-4 weeks to post, is that legal? 
I spoke to a Rep XXXX last night who thought it was strange if a payment didn't post within XXXX weeks, WHY would i put a stop on it and consider it LOST. 
I normally send payments electronically and they take 2 business days to post to the credit card, but they are deducted immediately from my checking account, usually its the other way. 
these are bad business practices that need to be investigated, PLEASE. 
I would also like to now is itLLEGAL for them to DELAY POSTING of a PAYMENT and not back date it the date received..
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (WA)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (LA)

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
XXXX XXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 
XXXX XXXX XXXX XXXX  XXXX the amount of {$910.00} date opened unknown I did not open these accounts.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc. (CT)

Please read the attached letter regarding a collection for {$280.00} erroneously reported on my credit report without proper notification and validation from a company Amsher Collection Services Inc. This reporting has negatively impacted my personal credit. 

I have disputed this reporting with the Credit Bureaus, XXXX, XXXX and XXXX. XXXX has removed this reporting. I have not had a satisfactory response with XXXX or XXXX.
Consumer complaint received 2023-02-02
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. (NJ)

On XX/XX/2022 I reached out to credit reporting agency Experian, XXXX, XXXX. Letting them know i was a victim of identity theft. I sent a list of fraudulent accounts a long with a ftc report and my identification. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Which was never done which means they are in direct violation of FCRA right under the Fair Crediting reporting Act 15 USC Section 1681 violation for willful non compliance - Section 616 civil liability for wilful noncompliance ( 15 U.S.C. section 1681n ) which is XXXX per violation which i am seeking.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions