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. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-05-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have received your response regarding an ongoing dispute of a reported bankruptcy on my consumer report. In your letter you stated that you contacted the furnisher XXXX XXXX XXXX XXXXXXXX XXXX However, this was found to be false as I have provided you a letter from the bankruptcy court which stated that they Do not provide filings with credit bureaus. 

I have requested a Method of Verification in accordance FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency. Experian failed to comply. 

I have not given Experian or any of its affiliates permission to use my Personal Information to obtain any court filings. Experian has violated 15 USC 1681 ( B ) ( 2 ) and 18 USC 1028 ( a ). For this reason, I am demanding the removal of this record from my consumer report.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my consumer reports on XX/XX/22 and noticed multiple discrepancies. These 3 consumer reporting agencies are clearly just doing whatever they want. They are not following the requirements outlined in the FCRA at all. This complaint is referring to 3 different accounts. The part of my consumer reports where it lists the company 's information who has reported various items on my reports is all over the place. They are supposed to ensure that ALL information pertaining to me is accurate. I am unsure of what information is correct because these are listed multiple times with different information. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

***Please note that the FCRA does not permit you to abbreviate or alter the names of these companies, instead you are to ensure the MAXIMUM possible accuracy of ALL contents. 

Please also let me know how am I supposed to exercise my right as the consumer and dispute with these companies when you all are reporting MULTIPLE addresses and names?
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  hard inquiries, 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. 


Hard Inquiry - XXXX XXXX XXXX  XXXX : XXXX Hard Inquiry - XXXX XXXX XXXX  XXXX : XXXX Hard Inquiry - XXXX  XXXX XXXX  XXXX Hard Inquiry - XXXX XXXX XXXX : XXXX Hard Inquiry - XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-05-17
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. (FL)

I am XXXX XXXX and upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance XXXX {$1300.00}
Consumer complaint received 2016-11-15
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (TX)

Netspend sent me an unsolicited prepaid debit card. Advising that everyone is guaranteed approval and advising of immediate access to the funds deposited to the card. I 'm a XXXX and my school refund was deposited to the card. I tried to activate the card and was advised that they needed to verify my identity by providing my ssn, address, dl #, dob and phone # which i gave. They adv. That i did not pass verification due to the address even though i gave the address where the card was sent. They Then requested a copy of my dl, ssn, a bill, which i sent.and had to wait 6 business hours for review i also sent my health and human svcs award letter and they advised that i still did not pass. I then sent my passport and waiting another 6 hours for review. They finally activate the card 2 days later at XXXX. And accepted the deposit and posted it to the account. However at XXXX the following morning They blocked the account and then closed the acct.stating they could not verify my identity. They advised that a check would be sent to me for the balance on the account and that i would have it in 3-5 business days. I contacted them on the 5th business day because i had still not received and they advised a check had been sent and that i would receive within 10 bus days not 5. I contacted them on the 10th bus days in which they again guaranteed the check had been mailed and that i would receive it the following day. I called the next day when i still had not received the check and they had me on hold for an hour when they finally transferred me to a supervisor in the fraud dept who advised no check was ever, sent and that the money would need to go back to. the school. She went on to say that the school ( XXXX college ) would need to send them a letter of indemnity both by email and postal mail and then they would send a check for the remaining balance, which is now being lowered by various fees applied after the account was closed, to the school and then the school would then have to send to me and i would need to contact my school. I contacted the school and advised of all of this and they advised that was incorrect and that netspend would need to use a check to me for the balance. And that netspend was illegally holding my money and for me to file a police report. Per the initial email from netspend prior to the card being activated netspend notified me of the pending deposit from my school and advised that if they could not verify my identify and activate the card within 24 hours that the deposit would be sent back to the school. Which at least If that had happened i would have gotten the payment from the school 2weeks ago and at least had the money to pay for my books. Instead they accepted the deposit activated the card sent me an email confirming they had verified my identity and charged me the account maintenance fee and other fees only to block the account the next morning and hold on to my money while depleting it with various fees even though the account is supposed to be closed
Consumer complaint received 2022-05-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXXXXXX XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2022-05-17
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. (AL)

On XXXX/XXXX/XXXX I submitted a CFPB report for Experian because they are listing inquires on my credit report. In the CFPB response they stated that the inquires that I am disputing aren't on my credit file, in which they are lying. I believe this is a prewritten response they did not even look at my credit report. I submitted evidence of the proof in the attachments. They also never responded to any of my letters I have sent them and I know they received them because I put a certified tracking on them via USPS. I have contacted all of the creditors that are on my credit report and not XXXX of them could provide me with a document of any credit application with my signature on it. I asked the same for Experian who keeps ignoring my request. I believe they are lying to keep this inaccurate information on my credit report. I am going to put each inquire along with the dates in this complaint and I am going to provide proof that i tried to handle this with the company. 

The inquires that Experian stated that was not on my credit file in the last CFPB complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (AZ)

My complaint stays the same. Wells Fargo violated Wisconsin Consumer Act laws when they illegally and unlawfully repossessed my vehicle. Violating Wisconsin Consumer Act 425.206 ( b ), 425.206 ( a ), 425.206 ( 1 ) ( d ) Wisconsin Consumer Act under 421.301 ( 25 ). 

Wells Fargo damaged, reported negatively after the filing of a chapter XXXX bankruptcy, added unnecessary CPI insurance on my loan, and continues to try to cover up their multiple errors made on my loan file which caused a calamity in my life. I will continue to submit complaints as I continue to fight regardless of if the CFPB is just a posting place. Thus far, I have not seen the need for the XXXX, but I will continue building this platform with complaints. My consumer rights will not continue to be violated.
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Because of the pandemic all of my businesses were shut down I did not receive any assistance for about 8 months by the time I did receive help so many things were due .I stayed in communication with servicer the whole time and paid additional fees requested I have no experience with unemployment at all as I am 62 years and I've never been unemployed until pandemic I applied for the loss of Mitigation Program last year On XX/XX/2022 the decision made by this company is for me to pay {$3000.00} for 12 months XXXX payment of {$3300.00} on the XXXX month that's double the mortgage If I don't sign agreement and mail payment of {$3000.00} by XX/XX/2022 they will foreclose they are not even allowing me to make bank transfer payment. 
my fear is on this they could say they did not receive payment by due date and still foreclose To my understanding this company was going to work out a repayment plan that is realistic and doable this is not I hoped they could have spread this out over a few years or at least put on the back end I don't see why they couldn't they did it before when the housing market crashed and I stayed current. 

Currently I owe {$250000.00} interest bearing principal deferred principal {$55000.00} The deferred amount at at market crash went from about XXXX XXXX to currently {$55000.00} I paid extra money monthly to help bring down amount owed The only difference is there was no equity in the home at that time so a realistic plan was put into place. 

Fast forward to pandemic I was out of work for 1 year due to California pandemic protocol when I was allowed to work again i immediately resumed payments now that I have equity in my home I suspect this plan was designed for me to fail so that they can steal my property. 

I feel I'm the victim of a Predatory Lender they are taking advantage of senior citizens and homeowners that fell victim to unemployment pandemic I have every intention of repayment I'm just hoping for for a fair resolution that's all please Help me
Consumer complaint received 2022-05-17
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. (PA)

I filed a dispute on equifax on XX/XX/XXXX and the results came back on XX/XX/XXXX. The account i disputed was supposed to be deleted and is still showing on my credit report. I called equifax to find out why and they told me the " lender won't let them delete it '' after they investigated and came back with the results to delete.
Consumer complaint received 2022-05-17
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 Account XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account XXXX XXXXXXXX XXXX account # XXXX 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.
Consumer complaint received 2016-12-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NJ)

I XXXX XXXX XXXX filing a complaint with the Consumer Financial Protection Bureau against a state agency that is operation outside the legal requirements of the Fair Debt Collection Practices Act. The debt in question was originally procured with XXXX Student Loans. Now there is no knowledge of what entity owns the debt because the debt was private and sold off into a securitized trust. The New York State Higher Education Services Corporation claim that they purchased a privatized debt. They have shown no proof of ownership, nor can they show ownership. They are essentially operating as a debt collection agency, fully outside the constitutional limits of a state to maintain a separate collection service for private debt they have XXXX collateral interest in. Accordingly, I demand an immediate cease and desist on all calls to my home or work, and the only correspondence I will accept is proof of ownership of a debt is impossible to own. The NYSHESC state on the attached letter that they purchased the debt from XXXX Student Loans. This is a complete falsehood that can not be proved. I demand an immediate cease and desist from this state agency immediately and permanently.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2022 XXXX Credit Report Agency sent an alert " someone requested access to your XXXX credit report, the requester has been identified as : SYNCB/PAYPAL XXXX XXXX XXXX XXXX, MD XXXX ''
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (FL)

The VyStar Credit Union mobile and online platforms have been down FOR DAYS! I can not see my paycheck, what bills have been paid, my balance and it is not allowing me to make my financial decisions because I can not see what is in that account. 

Not knowing may cause me to bounce funds where I normally wouldn't bounce a check. I can't transfer money or anything. The only way to get service is to call the XXXX number but it is impossible to get through because EVERYONE is calling. 

There is a message saying it will be up soon, but it has been that way for 7 days. How do I pay my mortgage, car payment, credit cards, medical balls or anything else??? They can't say when they will be back up. Can someone please help????
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

15 U.S. Code 1679c, as said, I have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly The credit bureau must remove inaccurate negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are fraudulent inquiries and inaccurate account information on my credit report! I have disputed this information multiple times and nothing is being done! I feel as though this is an insult against my intelligence and a right being taken as a joke as an American citizen who understands the CFPB laws!! Your credit is your life and this inaccurate and fraudulent information being so easily put out there BUT NOT BEING THOROUGHLY INVESTIGATED is hindering me from a lot of things!!!!
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

There are fraudulent inquiries and inaccurate account information on my credit report! I have disputed this information multiple times and nothing is being done! I feel as though this is an insult against my intelligence and a right being taken as a joke as an American citizen who understands the CFPB laws!! Your credit is your life and this inaccurate and fraudulent information being so easily put out there BUT NOT BEING THOROUGHLY INVESTIGATED is hindering me from a lot of things!!!!
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/22 I was contacted about missing a federal court appearance in a state I use to live in ( Hawaii ). I was told that I could not get off the phone do to an order to not break contact because I had not responded to letters which I never received. I was told I needed to post a bail hold and to make an appointment to see the district judge that day. I was told I had large fines and needed to make payments or else be submitted as no compliant and that I could be arrested. The payments were in the amount of XXXX, XXXX, and XXXX. I was told I was speaking with gov officials given badge numbers and names and told I needed to take care of this immediately or else be subject to arrest.
Consumer complaint received 2022-05-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a complaint with TRANSUNION regarding account discrepancies on my account that were not valid. I sent the complaint 30 days ago, on XX/XX/2022 and transunion failed to reply within the 30 days. According to the FCRA, that grounds for removal of those items on my credit. 

The accounts are XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (VA)

I got a loan for a diamond ring from Jared Galleria for a little over {$9000.00} and was told I could return it within 30 days. I did return it within 30 days and they said everything was fine. Next thing you know it shows up on my credit report as a late payment. I never made one single payment, yet the history shows I paid for 1 year 3 months, then missed a month, then paid two months and then was 120 days past due 5 months later ( then charged off ). This is all entirely bogus, not a single payment was ever made and it was returned within 30 days as stated earlier. 

Following this they sold the debt to XXXX XXXX as a collection, which as I've been told still reports after 7 years... so this bogus situation is really hurting me. It will continue to affect me until something is done to remove not only the falsehood of the entire Jared Galleria listing in my credit report, but also the collection account from XXXX XXXX 

( By the way, the XXXX balance was around {$270.00}, which wouldn't even make since balance wise with the payments they claimed I made ) I have tried numerous times to dispute this with Jared Galleria, XXXX XXXX and all 3 credit bureaus. Please help!
Consumer complaint received 2024-02-20
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. (NJ)

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX XXXX  Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Consumer complaint received 2022-05-17
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX have 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