davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
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. (MD)

In the end of XXXX I sent in a request for several accounts to be corrected. These accounts to this day are not being reported correctly and actually at this point should be deleted due to how it is being reported on my credit file. I have disputed how the information is listed on my credit file with both Experian and XXXX. Both of these CRA have not corrected the issue and yet allowed one of the companies to continue to update a closed account. XXXX XXXX and XXXX XXXX has been disputed greater than 30 days ago and by law, they are not marked as 'disputed by consumer ' which is in violation of CRA reporting. As you see listed in the attached documents, all the other disputed items are remarked as 'disputed by consumer '.
Consumer complaint received 2024-02-08
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. (TX)

This consumer reporting agency Experian is in violation of 15USC 1681a ( 5 ) for furnishing data that is inaccurate, incomplete and unverifiable on my report. I obtained a copy of my Experian report and noticed 9 accounts with inaccurate data that violate the following sections of the LAW : 15USC 1681 ( B ), 15USC 6802 ( B ), 15USC 1666 ( b ), 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1692 ( g ). This agency failed to conduct a proper investigation and provide an original signed consumer agreement between me and each person or company, where I gave them written authorization or permissible purpose to contact this agency to furnish an account using my nonpublic personal information as per 15USC 1681 ( B ). This agency also failed to provide me with all three of my privacy disclosures ( a-c ) that each person or company allegedly disclosed to me before contacting Experian with my nonpublic personal information as per 15USC 6802 ( B ). This agency also failed to provide me with each original statement that each person or company sent out 21 days before each late transaction was reported as per 15USC 1666 ( b ) in which, any transaction reported is a violation of 15USC1681 ( 2 ) ( a ) ( i ) where congress clearly states that all transactions or experiences to any person are EXCLUDED from my consumer report. Experian knowingly and willingly violated several laws and according to 15USC1681 ( e ), it is their obligation to ensure maximum accuracy of the information that is getting reported on a consumer report. Due to these violations and the data being a direct result of identity theft, the consumer reporting agency, Experian must remove the 9 inaccurate and incomplete accounts listed in my notice sent to them on XXXX  or face legal action for noncompliance.
Consumer complaint received 2023-09-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC. (TX)

This a formal complaint that there is inaccurate and incomplete credit information. 
I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : Agency/Santander : XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

FCRA 15 USC 1681
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pulled up my XXXX  credit report and transunion report and it not reporting incorrect. and all my credit cards have been removed from XXXX  reporting and im missing five credit accounts on my XXXX  report and i contacted XXXX XXXX they refused to submit a documents to the credit bureaus and told me that i need to put it in writing which i refuse to do because i did it in the past and never got a response from them and there are no credit accounts are being reported on XXXX  XXXX didn't have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION DIDNT REPORT THIS XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-08
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. (MD)

I have disputed these accounts previously and have not received dispute results or methods of verification. My consumer rights have been violated multiple times for years now. There aren't remarks on my report that indicate XXXX of the accounts had been disputed. I have received results of my dispute nor have I received the method of verification. It has been well over XXXX  days since I originally disputed these accounts.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SIMMONS FIRST NATIONAL CORPORATION (CO)

My fathers bank showed gross negligence in protecting him from their own employee. Simmons bank in XXXX TN had an employee that realized my father was not in a healthy state mentally. After meeting my father and my father immediately adding and removing signers, the Simmons employee became an employee of my fathers. She stole an extensive amount of property and money from my father. My father even filed a lawsuit against the young woman. Simmons never investigated or contacted XXXX with any concerns. The bank president did not show any concern and has los his job at that branch.

The young woman currently works at another bank.

As my fathers previous POA, current personal representative, current executrix to his estate and trustee to his account, I am legally allowed access to ANY of my fathers information including all bank accounts. My father passed on XX/XX/2023. Simmons bank has never given me online access to my fathers ( now closed ) accounts. 
They also filed a complaint against me in XXXX with XXXX and had me investigated for financial elder abuse. I know this because the lead investigator told me. I had EVERYTHING legally in order and already given Simmons everything. They never filed a concern or complaint on their own employee or abnormal activity on his account. I had not even tried to access my fathers account. They falsely reported my actions with no cause.
Consumer complaint received 2019-09-15
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. (NY)

I believe that an old account I had with XXXX XXXX  XXXX XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX   XXXX XXXX has reported the account as a permanent charge off status, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX   has with each credit reporting agency respectively.
Consumer complaint received 2019-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (NY)

I would appreciate a settlement letter from Macys pertaining to a {$430.00} account that was charged off several years ago. Macys has not sent an updated statement for years, and I believe that I can make restitution to this account quickly if properly communicated with. Therefore, I go through the CFPB to get the attention of Macys.
Consumer complaint received 2020-08-03
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. (NY)

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX XXXX to denal ( health ) to department credit cards ; XXXX. XXXX which is a utility bill that i never had etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX.
Consumer complaint received 2019-09-15
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. (NY)

I believe that an old account I had with XXXX XXXX  XXXX XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX   XXXX XXXX has reported the account as a permanent charge off status, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX   has with each credit reporting agency respectively.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

As you know from previous notes i sent to you this has been going on for some time. 
I did have a lawyer who was taking {$750.00} every 3 months from my credit card and i signed paper that he would represent me so Wells Fargo would not talk to me directly. 
33 pages plus bank statements and IRS etc was sent over several months but nothing happened.I started talking to Wells Fargo and and support closure specialist ex, XXXX XXXX and more no response. They told me they would not accept payments from me till I paid them {$21000.00} as i stopped payments as XXXX XXXX told me not to pay unless they lowered the payment, So i ended up with XXXX XXXX ( wells fargo lawyer ) which i go to court and get 30 days? to move out. I told them a few months back that i would pay {$900.00} every month starting mid XXXX but they want all or nothing.As of last week i was leaving messages with Support Specialist to call me back I would start making payments or refinance.I need to get a chance and i will sent them a payment immediately,
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019-30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I believe that an old account I had with XXXXXX/XX/XXXX and XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXXXX/XX/XXXX XXXX has reported the account as a permanent charge off ststus, which does not apply to debt purchases to a third-party, See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXXXX/XX/XXXX has with each credit reporting agency respectively.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

My company purchases gift cards from American Express on a regular basis for employee incentives. Since XXXX of 2023 there have been several occasions where the gift cards received had already been used. The cards are either hacked or someone is taking pictures of the cards after they have been printed and is using the numbers to make purchases before the cards are used by the actual purchaser. I recently gave out gift cards to my employees for appreciation. These were new gift cards still sealed in the envelopes from American Express. I had several employees contact me and tell me their gift cards had {$0.00} balance on them when they first tried to use them. These were all {$100.00} gift cards and so far I know XXXX of them that were compromised, meaning they were new {$100.00} gift cards still in the envelope, but they had balances less than {$100.00}. Some had {$5.00} left on them, some only XXXX. I called XXXX to file a complaint with Amex and get the issue resolved. This is the only number provided to call for customer service today XX/XX/2023. I was put on hold several times. I had to explain the situation to XXXX different people and give them the XXXX different gift card numbers each time. At one point I was put on hold for over an hour. I was told that there was no email address to which I could send my complaint, nor was there a direct number to call should the issue arise again. After being on the phone for over 2 hours I was told that they were having technical difficulties and that I needed to call back. I was told the best time to call back would be at midnight. My company has spent hundreds of thousands of dollars on Amex gift cards over the past 5 years, and recently these scammed cards have become more of an issue. My call today was over {$600.00} worth of scammed cards and there may be more out there that my team has not let me know about yet. The customer service from American Express in trying to get this resolved has been awful. And so far there has been no resolution. I am attaching photos of some of the compromised cards.
Consumer complaint received 2019-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pioneer Capital Solutions Inc (CA)

Pioneer has committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees which shall be determined for taking time to address these issues. Violations committed against me include but not limited to : ( 1 ) Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission. ( 2 ) Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. ( 3 ) Violated 15 USC 1692d ( l ) ; Attacking my reputation, accusing me of owing an alleged debt to you. ( 4 ) Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval. ( 5 ) Violated 15 USC 1692f ( l ) ; Attempting to collect a debt unauthorized by an agreement between parties.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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. (TX)

i have sent letters out to XXXX XXXXXXXX, and experian about inaccurate information reporting on my credit report.15 USC 1681eb and 15 USC 1681i5 and request deletion of the items off my credit report. I also attach a copy of my letters below for your reference.
Consumer complaint received 2024-02-08
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. (MI)

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 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

XXXX Bank has not been reporting ALL of my revolving charge cards considering I have XXXX accounts with XXXX Bank. They have been reporting only XXXX accounts and have not been reporting XXXX of my accounts to Equifax, which is unacceptable. I did contact XXXX XXXX at XXXX over the telephone on XX/XX/23 at XXXX PST and I ask the representative to transfer me to a supervisor or XXXX so I can attempt to have this resolved. I was transferred spoke with a supervisor named XXXX, who listened to my issue but stated she could not assist me and that I needed to contact Equifax to discuss my issue and have it resolved with Equifax. I then know I XXXX was providing me with absurd guidance, because why would I contact Equifax about charge accounts that XXXX Bank is not reporting to Equifax. This isnt something Equifax has control over, because why would a credit reporting company have input or control of accounts that dont have reported on their end. Its XXXX Banks responsibility to report All of my accounts correctly to the consumer reporting agencies, per the FCRA. I stated the same information to the XXXX XXXX and expressed my frustration with her poor guidance. I then asked her to provide me with XXXX Banks address to report issues or complaints. She placed me on hold about XXXX minutes and then provided me with the main address for XXXX Bank.
Consumer complaint received 2022-03-21
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. (TX)

n accordance with the Fair Credit Reporting act CXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

Navient consistently ignores requests for information, does not update loan status like XXXX, most recently SAVE, makes unreasonable demands for irrelevant personal information and will place loans into forbearance easily but makes resolving problems or getting accurate and timely information about other options nearly impossible.
Consumer complaint received 2022-03-21
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. (LA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible. I am enclosing copies of the three complaints I used a template that I found on one of the CFPB sites I hope this will suffice in getting you the CFPB to act on my behalf.
Consumer complaint received 2024-02-08
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year> XXXX