davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. Rectifying these issues promptly is crucial to ensure the accuracy and fairness of my credit profile. 

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : Inaccuracies exist in the reporting of late payments on my credit report. 

2.Credit Utilization : Reporting of credit utilization on my credit report contains inaccuracies. 

3. Personal Information : The reporting of personal information, such as names, addresses, phone numbers, and employers, is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). 

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ). 

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with Experian, XXXX, and XXXX. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. 

10. Correction of Personal Information : I request the correction of personal information to reflect only one name ( XXXX XXXX ), one address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX ), one phone number ( XXXX ), and no employers. 

11. Deletion of Personal Statement on XXXX Report : I request the immediate deletion of the personal statement on the XXXX consumer report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in Experian, XXXX, and XXXX systems concerning my consumer report. 

13. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had opened a XXXX  XXXX XXXX credit card in XX/XX/XXXX and I had missed two payments in XXXX and XX/XX/XXXX. The merchant chose to close my account and I paid the {$900.00} balance in full in XX/XX/XXXX. The information reporting on my XXXX and Transunion credit reports do not match and are not accurate at all. How can this be? This account has been closed for almost 8 years at this point and should not appear on any of my credit reports. 

-The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my XXXX and Transunion credit reports. 

-My line of credit was not {$600.00}, it was {$800.00}.

-My highest balance was not {$410.00}.

-Status updated can not both be XX/XX/XXXX ( TransUnion XXXX and XX/XX/XXXX ( XXXX XXXX. 

I need this account removed from all credit bureaus as it is negatively affecting my ability to obtain new credit. I have addressed this with XXXX  XXXX XXXX and all 3 credit bureaus and no one has resolved this issue for me.
Consumer complaint received 2023-02-01
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong 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 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I have not heard anything further from PNC. The initial reply was incomplete and I replied on XX/XX/22 with an explanation as to why. I replied to the Executive Office and nothing. 

I wish for the CFBP to be more proactive and help me get this handled. 

Original complaint - XXXX This is terrible service from all.
Consumer complaint received 2023-02-01
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/ 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 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (MI)

On XX/XX/2023 I made a payment to my XXXX  XXXX card using eft from my checking account at NFCU the transaction was shown on my banking app as paid and the next day I recieved an email from XXXX  XXXX that the check was returned due to a closed account. I provided XXXX XXXX with my new account number and processed a second attempt to pay my bill. On XX/XX/XXXX a fee of XXXX was charged and none of the transactions were listed on my banking app. I feel the practice of paying and then not paying these payments the. Deleting them and charging me a fee is ridiculous considering the money was in the account at the time of payment.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

{$940.00} is still out of my account from fraud with draws. Wells Fargo sent a letter saying " I must have given permission or bank card for transactions '' I live in XXXX NV, the fraud is from Florida. 
I went to local branch, hoping to resolve, this resulted in letter stated above. I explained to phone banker, the day these changes appeared I was attending my wife 's funeral and it was impossible for me to have been in Florida or Georgia. Call escalated but I was told it was my fault I should have given someone permission to use. I have been very grief stricken since my wife died and this is not helping. I have the bank statement that clearly shows the amount and places of fraud transactions
Consumer complaint received 2023-02-01
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)

XXXX XXXX XXXX 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 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my documents coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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. (NC)

Since XX/XX/XXXX I have requested to opt out of reporting per 15 USC 6802 which was sent to XXXX, Experian and XXXX. I sent these documents registered, Certified and express mail. Second notices were sent in XXXX then contract Demand letter sent on XX/XX/XXXX. All credit bureaus are in violation of 15 USC 6802, The privacy act of 1974, 5 USC 522A, 34 cfr 99, 20 USC 1232 G ( per previous student loans that were paid in full reporting ), 15 USC 1681 etc. All credit bureaus have no respect for the law or my rights and has been in violation for many months. The have failed to validate all debt report. provide contracts or documentation requested, respond and pay for reporting per my demand notice, Purge all accounts from my report Except for XXXX  account. There is proof that my letters, Request and demands have been received and the credit reporting agencies are ignoring my demands and rights as a consumer.
Consumer complaint received 2023-02-01
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. (NY)

These account information on my credit report is incorrect, The loan amount is inaccurate, delete immediately. 

XXXX XXXX XXXX - {$4000.00} find attached a letter form the furnisher on the amount owed and check your reporting for confirmation. in the letter it says the alleged debt was {$4000.00}.
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. (IL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (TX)

I had a loan from Wells Fargo in 2011 with prepaid gap coverage and wasnt given any money back once the loan was paid off early, I also had a checking and saving account with them during that time and should be entitled to refunds due to fraudulent over draft fees.
Consumer complaint received 2023-08-07
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$4700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Genesis Credit Management also known as Columbia debt recovery has flagged an account as Derogatory/ late payments when I have no signed contract with them in order to scare me into paying them money, that severely damaged my credit. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they reporting to all credit Bureaus. I've sent them two letters sent on XX/XX/XXXX both mailed to there multiple addresses asking them to show me proof of a contract. They received my letter on XX/XX/XXXX in which they responded by email to me saying we have a settlement my account is eligible for a discount please contact them.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NV)

Nelnet is my student loan servicer. 

I have attempted several times to resolve inaccurate / incorrect information being reported. Nelnet has been charging interest on my student loans during COVID ( XXXX ). After speaking with the Department of Education today, I was informed by the representative that this is in fact true. I believe that I was supposed to be at XXXX percent ( 0 % ) during COVID, and I understand that this has ended XX/XX/XXXX. Additionally, I am a participant in the Sweet v. Cardona settlement. My Borrower Defense Application # : XXXX has been approved ( see attached email ). I understand that at the time of the Borrower Defense process, that interest would continue to accrue ; however, COVID happened, and the interest should have stopped accruing on my loans during this time ( XXXX XXXX ). This is not the case. My balances on my loans continued to increase monthly ( see attached consumer reports ). I believe that Nelnet has engaged in " Unfair or Deceptive Acts or Practices '' charging me interest on my loans when Nelnet was not suppose to do so during the time of COVID, causing the balance to increase AND causing my credit utilization to increase astronomically, thus negatively affecting my credit. Additionally, I have filed a Feedback complaint ( case # XXXX ) with the Department of Education on XX/XX/XXXX, in addition to this complaint with the CFPB today.
Consumer complaint received 2023-02-01
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. (IL)

Inaccurate items on my credit report came back as " verified ''. The items are incorrect and there is no way that if an investigation actually occurred that the incorrect items would be " verified ''. I've attached a document that I have mailed to the CRA via certified mail, asking for detailed PROOF of their investigation and demanding that the inaccurate accounts be deleted.
Consumer complaint received 2023-08-07
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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. (TX)

I have notified Equifax continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from Equifax & creditors stating the information on my report is accurate when it is not. 

The fraudulent items are : XXXX  {$450.00} XXXX {$690.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX {$650.00} I submitted legal documents to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX with things that are fraudulent - Equifax Data Breach I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit - XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to Equifax on XX/XX/XXXX, via postal service PS FORM XXXX -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt I saw more information after XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX and was faxed to the number the Equifax Fraud Specialist suggested I was federally awarded the settlement of my claim of fraudulent information on my credit report from the Equifax Data Breach on XX/XX/XXXX I faxed the award letter and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, social security number XXXX XXXX pages at the XXXX store
Consumer complaint received 2020-04-21
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE SEVERAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THE BELOW ACCOUNTS, SO PLEASE AMEND THE PAYMENT HISTORY TO PAID AS AGREED/NEVER LATE
Consumer complaint received 2023-08-06
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 XXXX XXXX XXXX
Consumer complaint received 2017-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

PLEASE READ MY COMPLAINT AND INVESTIGATE THOROUGHLY. IN XX/XX/XXXX MY IDENITY WAS STOLEN AND SOMEONE WAS LIVING AS ME IN XXXX XXXX NEVADA. I HAVE FAXED OVER SUPPORTING DOCUMENTS TO ALL PARTIES INVOLVED. XXXX XXXX, XXXX XXXX, TRANSUNION, XXXX, XXXX AND CFPB. I HAVE ENCLOSED 18 YEARS OF STATED ISSUED ID AND ALSO COLLECTION LETTERS FROM STATE OF ALABAMA FOR TAX YEARS XX/XX/XXXX-XX/XX/XXXX. HERE ARE MY CONCERNS. 1. I HAVE LIVED IN ALABAMA ALL MY LIFE 2. I HAVE 19 YEARS OF STATE ISSUED ID FROM ALABAMA 3. I HAVE COLLECTION LETTERS FROM DEPARTMENT OF REVENUE STATE OF ALABAMA WHERE I OWE TAXES FROM XX/XX/XXXX-XX/XX/XXXX. HOW IS THIS POSSIBLE IF I WAS IN XXXX XXXX NEVADA PLEASE BETTER RESEARCH AND REMOVE THESE ACCOUNTS IMMEDIATLEY FROM ALL 3 CREDIT BUREAUS