davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (TN)

On XXXX XXXX, 2022, I stepped to stay at XXXX XXXX in the middle of the country, on my way to XXXX. I had to stop because it was night and there were no lights on the roads. I was given room XXXX, but when I tried to turn on the heater it was not working. I asked the receptionist to move me to another room and she told me there were no other rooms available. I asked for a refund, and she said that XXXX XXXX doesnt give refunds. I called Regions bank and the bank told me that I need to wait until the funds processed to file a dispute on XXXX XXXX, 2022, I filed a dispute. I never received any information about the dispute. I finally, on XXXX, 2022, I was told that the bank decided to not refund me for the hotel stay, even though I sent pictures of the broken heater and room number and evidence I was at XXXX  XXXX from my mobile device, At that point, I asked for it to be put in writing that I wouldnt receive a refund with an explanation and XXXX XXXX XXXX, told me that he wasnt going to allow his employees to put the explanation in written form. The result was that I left the bank disappointed and without a valid reason why my purchases werent being protected from merchants who called not maintain an expected quality of service for the price and product rendered. No one should be forced to pay {$91.00} for a single night in a hotel room without heat. XXXX is necessary basic need and is included in expected services provided by the hotel. 
In addition, I had other disputes in the past that were treated in the same manner. This is the first dispute that I am making a claim about.
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. (FL)

XXXX - XXXX This account needs to be removed from my credit as it is affecting my credit and the company is not removing loan as this is not my account. It is showing on my credit as negative and needs to be removed.
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Experian Information Solutions Inc. ()

Experian publishes False statements about the Law and the legal system ( workers ) run with it. The banks do not mind. This put a lot of people into situations where under pressure they agree to contracts in courtrooms, which are invalid. 

Because Experian and the Banks are misrepresenting the law. 

Example. 
XXXX " difference between write off and charge off '' The first link gets it right " A write-off means your creditor has forgiven your debt, and you no longer owe any balance to them. A charge-off, on the other hand, is bad news '' The third link gets it right " A charge-off and a write-off sound like two ways of saying the same thing, but they're actually two very different things. '' The second link, Experian, gets it wrong " Charged off and written off mean the same thing. '' Nowhere in the Civil Code does it say that a write off and a charge off are the same thing. 

And yet banks, like XXXX and Credit Bureaus, run with it. 
They write off debts, on paper, collect tax breaks because these are now losses on there XXXX which they file with the SEC but then they hire private contractors stating that the accounts have been charged off. 

When in reality they were written off. But they charge them off as well, to collect even more money because they're entitled to double dip and invent the law and intimidate people who are vulnerable. 

This is a racket. 
An account can not be written off and charged off.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CO)

Several credit cards opened in my name. 
Opened XX/XX/2022. 
Credit line is {$5000.00}. 
Credit used is {$1500.00}. 
Reported this with all three credit agencies
Consumer complaint received 2021-07-21
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: WELLS FARGO & COMPANY (NY)

reviewing the following accounts that appear on my credit report, without any authorization, is hurting me Identity Theft WF BANK NA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-02-15
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. (KS)

I am asking your help to please REMOVED a portion of the data in my credit file that came about because of a FRAUD.Per FCRA segment 605 you are expected to eliminate any records.I 've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.Thank You. 
XXXX XXXX XXXX XXXX, OK XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My husband and I had an auto financed through XXXX XXXX. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The XXXX XXXX installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call XXXX XXXX the representatives tell us that I am going to receive a XXXX because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since XXXX  XXXX is saying I am not able to pay on it as there isn't a balance due by me.
Consumer complaint received 2022-03-24
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. (NC)

I have tried several times to get Equifax to do a proper investigation into the items I disputed. They verified the items without doing a proer investion and did not resolve my concerns.
Consumer complaint received 2022-03-24
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. (TX)

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX {$450.00}, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (TX)

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX XXXX Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX XXXX Date : XXXX XXXX, 2021
Consumer complaint received 2017-08-22
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. (WV)

I have contacted XXXX and XXXX as well as the student service board to alert company of harassment and fraudulent activity. This student loan is closed due to the school soliciting me to attend and offering a fraudulent degree program student canceled term with school and student loans were placed in forebearance and forgiven no monies owed. However XXXX constantly emails and or calls to harass me to see if I will sign in and start the loan repayment again. Please stop this harassment. They have also effected my credit claiming late payments on loans two times which has effected me being able to apply for a home loan. Please update on all credit reports and remove any deterrents from my credit report immediately. I have asked and they have ignored my requests and continue to try to get me to pay on a faulty loan.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

Navient charged a " late payment '' to my credit account during the month of XXXX. I did not receive any prior indication that my loans would resume, considering my federal student loans are still on pause until XXXX of 2022. With Navient no longer servicing student loans, I was unable to find my account during the months of XXXX. It was only in late XX/XX/2022 when I was finally able to find my private student loans. The student loan pause was set to end on XX/XX/2022 ( which was later extended to XXXX ). There is no linear, nor reasonable logic as to why my credit was effected in such a swift manner. 

As of XX/XX/2022 I paid off {$10000.00} of my private loans- which was my entire balance. Navient sent an email within the same ( see attachment ) day stating, " Your loan will be closed within two Billing Periods from the final payment received date. ". 

The future of my financial well-being is at stake due to my current credit score being hijacked and delayed by Navient. With the Fed set to increase interest rates at an expected 6 more times this year, my odds of earning a reasonable interest rate on my home is all but lost unless Navient fixes a problem they started.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (KY)

This accounts are inaccurate and false reporting. Please remove it from my credit report. 



XXXX XXXX / XXXX / {$0.0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / {$190.00} Chapter XXXX Bankruptcy / XXXX / {$0.00}
Consumer complaint received 2022-03-24
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. (KY)

This accounts are inaccurate and false reporting. Please remove it from my credit report. 



XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Chapter XXXX Bankruptcy / XXXX / {$0.00}
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This accounts are inaccurate and false reporting. Please remove it from my credit report. 



XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$190.00} Chapter XXXX Bankruptcy / XXXX / {$0.00}
Consumer complaint received 2021-10-27
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. (GA)

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection last year on my credit reports and contacted XXXX XXXX XXXX to reach a resolution. Idecided to go ahead and pay the collection with the stipulation that XXXX XXXX XXXX would remove the collection FULLY from my credit reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward to today and the collection is still reporting. 
I recentlydisputed it through the credit bureau dispute process and XXXX XXXX deleted it however Experian and XXXX have not.
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (FL)

Talked to SEQUIUM ASSETS SOLUTION of XXXX XXXX told them I had not used XXXX for more than XXXX years and all bills from XXXX were paid by the XXXX XXXX. And I also paid for a bill in full back in XXXX of 2020. I asked them to provide proof they didnt have it and all they said they will report me to the XXXX XXXX and impair my credit. I complaint to XXXX which was the first I knew and they never answered. To my knowledge this account is being sold to difeerent companies which are barred from collect the money and they claim they just reported. I need your help. Look at my credit and I just found out becuase I went to buy a washer at XXXX for XXXX
Consumer complaint received 2022-03-24
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 requesting XXXX XXXX XXXX for closed acct # XXXX to remove the wrongly and false accusation of a late payment prior of closing account. XXXX XXXX the payment was not late and proccessed prior to account closure date. this is affecting my credit report.
Consumer complaint received 2024-02-15
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. (NY)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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
Consumer complaint received 2021-10-27
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. (GA)

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection last year on my credit reports and contacted XXXX XXXX XXXX to reach a resolution. Idecided to go ahead and pay the collection with the stipulation that XXXX XXXX XXXX would remove the collection FULLY from my credit reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward to today and the collection is still reporting. 
I recentlydisputed it through the credit bureau dispute process and XXXX XXXX deleted it however XXXX and Equifax have not.
Consumer complaint received 2022-03-24
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. (FL)

I am requesting XXXX XXXX XXXX for closed acct # XXXX to remove the wrongly and false accusation of a late payment prior of closing account. XXXX XXXX the payment was not late and proccessed prior to account closure date. this is affecting my credit report.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have contacted XXXX and XXXX as well as the XXXX XXXX XXXX to alert company of harassment and fraudulent activity. This student loan is closed due to the school soliciting me to attend and offering a fraudulent degree program student canceled term with school and student loans were placed in forebearance and forgiven no monies owed. However XXXX constantly emails and or calls to harass me to see if I will sign in and start the loan repayment again. Please stop this harassment. They have also effected my credit claiming late payments on loans two times which has effected me being able to apply for a home loan. Please update on all credit reports and remove any deterrents from my credit report immediately. I have asked and they have ignored my requests and continue to try to get me to pay on a faulty loan.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given LVNV Funding LLC any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with LVNV Funding LLC, and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving LVNV Funding LLC any right to collect on this alleged debt. It is in my belief that LVNV Funding LLC are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from LVNV Funding LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I obtained another credit report once i was denied an apartment back in XXXX XXXX XXXX. I then sent in a letter to try and clean up the misrepresentation. I spoke with someone on the phone after trying to dispute the accounts on the app. All accounts came back as verified. I then asked cant I have proof of how they came to their conclusions, because the accounts were still reporting inaccurate. But According to the FCRA, ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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. So another report was pulled on XX/XX/2024. Still no changes only many inaccuracies on the report. Told them late payments were illegal an to update all collections account to paid never late pertaining 15 USC 1681a ( 2 ) ( a ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This also violates 15 USC 1681s ( 2 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.