davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
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 (TX)

XXXX keeps reporting accounts that are in someone else name and social security number. The following items on the enclosed PDF file are not mine. There is an alternate social that XXXX  keeps reporting and can not get it through their head that the alternate social being reported IS NOT MINE and all the creditors have verified this and told me they removed the item, but yet XXXX continues to report it. I have enclosed a printout of the items, every item in YELLOW is NOT MINE, also a copy of the latest three police reports filed. The two addresses in yellow are not mine either. XXXX said they would remove it, Wells Fargo sent a letter to remove it and yet they appear still on my report.
Consumer complaint received 2019-10-04
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. (FL)

On XX/XX/2018 I notified XXXX XXXX I will be returning the vehicle as the engine blew. It was discovered GAP insurance was not on the vehicle and I was unable to store a diminished vehicle. On XX/XX/2018, I notified XXXX XXXX I am no longer liable for the vehicle as XXXX XXXX remains the lean holder of this account. The vehicle was returned and sold, by XXXX XXXX on auction. Payments were applied to the account. On XX/XX/2018, XXXX XXXX agreed to modify my loan term ; extending my loan term, decreasing my monthly payment to {$220.00} and to report the account type/ status as an unsecured loan. Over the past year, XXXX XXXX has reported several failures to pay, delinquent status. As agreed I have upheld my end of the agreement. XXXX XXXX has repeatedly reported damaging information all credit reports.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: GOLDMAN SACHS BANK USA (GA)

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.

Account name : XXXX XXXX third party, Account name : XXXX  Account name : XXXX XXXX Account name : Apple Card 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 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Consumer complaint received 2020-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

This account was deleted on my XXXX  credit report and this company illegal got it place back on there and I have proof they keep harassing me today I contact my lawyer to file a lawsuit against them due to the fair credit act this is illegal and they need to be handle accountable for this
Consumer complaint received 2019-10-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX. This year I was unable to renew my registration because the year on the title of my vehicle is incorrect. The year of purchase on the car is listed as XXXX instead of XXXX. The California XXXX confirmed this and requested a title modification in order to renew our registration. 

I've been calling Infiniti Financial Services ( IFS ) since XXXX and they said that they will get this problem resolved. We are in XXXX now and my car no longer is eligible for a temporary registration. I STILL have an error on my title and I am making payments for an XXXX that I can not drive. 

I just spoke with an IFS agent for an update, and from my understanding the title has been reviewed and sent to the dealer for a modification. HOWEVER, the XXXX XXXX XXXX is PERMANENTLY CLOSED. They have not followed up with this issue nor have they checked their facts to realize that there is no one at XXXX XXXX XXXX dealership to accept their request. 

I spoke to another local dealership and they advised me to get in contact with XXXX XXXX XXXX. However, all the numbers provided were dead ends. 

I keep getting brushed off and ignored and neglected.
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BANK OF AMERICA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-08-28
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. (OH)

I was GOING OVER MY CREDIT FILE AGAIN I noticed that I have errors that are still a problem with Equifax. 1. Name is wrongly listed as XXXX XXXX XXXX XXXX 2. I HAVE 3 FILES WITH 3 DIFFERENT CONFIRMATION NUMBERS XXXX, XXXX, XXXX. I need these additional files removed ASAP they are not accurate. This is the 3rd time I have filed a complaint. I am not sure if the data has been updated properly or not? I found Fraudulent addresses and account with companies I have never applied for business with and I do not recognize these companies. 
The following accounts are fraudulent please remove/delete : 1.XXXX/XXXX XXXX XXXX XXXX XXXX 2XXXX XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX XXXX XXXX XXXX 5.XXXX XXXX # XXXX
Consumer complaint received 2019-10-05
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. (SC)

THEY WILL NOT PROVIDE ME WITH PROOF THAT THIS DEBT BELONGS TO ME, I REQUESTED A CONTRACT AGREEMENT. BUT THEY CAN NOT PROVIDE ONE
Consumer complaint received 2019-10-05
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. (SC)

THEY WILL NOT PROVIDE ME WITH PROOF THAT THIS DEBT BELONGS TO ME, I REQUESTED A CONTRACT AGREEMENT. BUT THEY CAN NOT PROVIDE ONE
Consumer complaint received 2019-10-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NISSAN ACCEPTANCE CO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

EQUIFAX DISPUTE CONFIRMATION NUMBER 'S REF : # : XXXX DATES : XXXX XX/XX/2019 CONT. ABOVE, AS FOLLOWS : # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 They refuse to correct information after being provided proof. 
They re-report an item thats been removed from your credit report without notifying me in writing within 5 business days.

They fail to respond to written dispute within 30 days.

They try to be both the purchaser of an account or the assignee. Its one or the other. 
They misrepresent themselves or the debt they are attempting to collect on. 
They try to re-age my account by updating the date of last activity on your credit report to try to keep negative information on your account longer. 
They continue to report a debt to the credit bureaus that they have not validated. 
EQUIFAX DISPUTE CONFIRMATION NUMBER 'S REF : # : XXXX DATES : XXXX XX/XX/2019 CONT. ABOVE, AS FOLLOWS : # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 They refuse to correct information after being provided proof. 
They re-report an item thats been removed from your credit report without notifying me in writing within 5 business days.

They fail to respond to written dispute within 30 days.

They try to be both the purchaser of an account or the assignee. Its one or the other. 
They misrepresent themselves or the debt they are attempting to collect on. 
They try to re-age my account by updating the date of last activity on your credit report to try to keep negative information on your account longer. 
They continue to report a debt to the credit bureaus that they have not validated.
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (SC)

jefferson capital systems llc claims i owe them {$330.00} and has repeatedly reported this as a new debt so that it keeps lowering my credit about every 6 months. when i sent in a debt validation request after the most resent time they claimed this was a new debt and all they sent back was a letter say debt is valid and what looked like an email saying an account was started XX/XX/XXXX. there was nothing about the date it was sent to collection, them being the new owner of the debt, or even what was purchased to cause the debt. i sent the debt validation request certified mail on XX/XX/XXXX, they signed for it on XX/XX/XXXX but did not respond until XX/XX/XXXX as dated in the letter they sent back.
Consumer complaint received 2019-10-05
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. (TX)

This is my third letter to your company. I would like to address this issue of this inaccurate fraudulent account on my credit report. I followed your advice about contacting the creditor. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. I dont know who to believe here. I know that the law protects my rights. Since the creditor did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. Not only that Iam a victim of identity theft and this account is a result of identity theft so that is the reason they are unable to provide proof!! This account is fraudulent and should be removed immediately.
Consumer complaint received 2023-03-03
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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I have an account listed on my credit as Toyota Motor Credit with a reported balance of {$310.00}. I was in a severe hit and run car accident that hospitalized me and totaled my car back in 2017. At the time of the accident I did have Gap insurance that covered the total cost of the car loan of {$17000.00}. As of today on my credit there is still a reflecting balance of {$310.00}. I have reached out to Toyota Motor Credit on numerous occasions of an explanation of how I still owe {$310.00}, I can never get to a representative and the few times I did get a hold of someone I constantly get transferred and everyone that I am transferred to says they don't see a balance and this account was closed however this is still showing on my credit report. but the GAP insurance sent this company a check. There should be no balance left on the loan because this is paid. I did everything on my end with the GAP insurance company after I got from the hospital to get this vehicle paid in full. I am asking the company of Toyota to fix this on my credit report as paid in full. I want to go back to toyota to purchase a vehicle but this {$310.00} balance is hindering this.
Consumer complaint received 2019-10-05
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 have continuously spent time and money writing to Experian and the other bureaus regarding a XXXX account that was listing incorrect information on my credit report. I had insurance on this lease car ... In NY you cant have a new car without full coverage. I had an accident and this car was totaled and covered by the insurance company ( attached ) .. I noticed my credit report was reflecting this XXXX account incorrectly and I addressed both XXXX and the bureaus regarding this incorrect account. After several months and several written requests, XXXX AND Experian responded this account is listed 100 % accurate, complete, and verifiable as per FCRA law. Today, several months later, XXXX changes their reporting and send different data to the bureaus. Either they never performed the original investigation, OR they are in violation of 1681i of the FCRA and both XXXX And the credit bureaus are liable in court. I am filing a complaint with my state attorney general and XXXX regarding this issue. If this isnt DELETED in 15 days, I will pursue my legal rights and finalize my FCRA attorney retainer agreement. I have all my written correspondence and the bureaus correspondence.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

Nelnet XXXX XXXX is reporting that several accounts were delinquent at least or more than 90 days. This is completely false. I have contacted Nelnet XXXX XXXX  and disputed this but they have never made any attempt to correct or validate their error. 

I have one student loan. It was consolidated. There are 6 student loans showing delinquent states on my credit report when I have never ignored or missed any agreed upon payment. In most cases they were processing paperwork for a deferment or did not know the nature of their own student loans. I am an XXXX for the last 18 years and should be eligible for the XXXX Forgiveness Program but when I call they dont know what I am talking about and transfer me from one department or the other until I have run out of allotted time devoted to this. In some cases this has been over 1 hour. 

My balances, payments and terms are incorrect because of this but they continue to knowingly inaccurately report my student loan. 

I have not been late with them. In regards to their latest reported late payments I applied for the Income Based Repayment plan. While they were processing it they informed me they were placing the loans in deferment status. This was for the months of XXXX, XXXX and XXXX. In XXXX I was approved for the IBR payment plan. I spent an hour with a XXXX loan person and he promised that I qualified for an immediate loan forgiveness. I also asked " who owns the loan? '' He responded " XXXX XXXX, XXXX XXXX, XXXX, Nelnet, XXXX, and XXXX XXXX ''. I've been given all these answers from personnel and nothing but derogatory credit is the result. 

I have been unable to purchase a home and have suffered financial injury due to their inaccurate reporting which is in violation of precedent established by the US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. 

They have ignored my disputes and pleas for accuracy. This is violation of

FCRA Section 623. XXXX and XXXX knowingly facilitate this. After failing to achieve effective communi
cation with my loan servicer I have also tried to have these errors corrected directly with XXXX, XXXX and XXXX. They continue to do mock investigations and let gross inaccuracies remain on my credit report. This has caused me financial injury and is in violation of FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm a XXXX agent that uses the verification system XXXX ( Tracker and Reporting of Operations System, XXXX : XXXX : XXXX ) in order to verify the information of the consumers and provide solutions that improves their health and their lives. 
But before using the app, my identity needs to be verified, in this case through the company Experian, which process I was never able to finish since they automatically said " my identity couldn't be verified ''. I tried to find a solution with them through the phone and the only thing I was told is that they couldn't find any credit history related to me, denying any other way or option to verify my identity. 

My job depends on this, if I'm not able to use the mentioned tool, I can't do my job and so i will be fired. 

I hope that you can help me to solve this mayor inconvenient. 

thank you
Consumer complaint received 2019-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I tried to wire {$290.00} from my HSBC checking account to an account in XXXX on XX/XX/2019. HSBC charged {$30.00} international wire fee on that same date. On XX/XX/XXXX, there was {$250.00} ( {$40.00} short of what I had sent ) returned to my account with the following notes : XXXX XXXX XXXX XXXX /BNF/RETURN OF YOUR PAYMENT REF XXXX XXXX VALUE XXXX FOR XXXX XXXXUSD AS ALL PYMTS DESTINED TOB /XXXX SHOULD BE RTN OR CNCL //IF THEY ARE NOT IN XXXX  I called HSBC and was told they can not transfer money to that account. I had used the HSBC online transfer so if the transfer had to be specified in Pesos, that is not something their interface allowed me to do. 

When I asked for a refund of the fees ( $ XXXX {$40.00} ) I was told eventually by a supervisor named XXXX with ID XXXX that federal " Regulation E Subpart B does not allow HSBC to reverse fees on international wires. '' ( This is the culmination/summary of four calls and hours on hold. ) This was surprising to me so I asked the agent what this regulation is about. The agent did a XXXX search read portions of the regulation having to do with changing fees, and refunds. I looked through regulations myself and could not find anything relevant. 

I did ask for a pointer to something concrete, and the agent would neither send me anything ( not even via the HSBC messaging service ) nor put me in contact with anyone who could point to the relevant part of the regulation. His mantra was : you are not getting your money back. stop wasting your time.

My complaint to them started with understanding why there were fees charged for services that they did not deliver and then a request for reversal of fees. However, at this point I am highly

concerned t hat HSBC business practices include having agents inappropriately use consumer protection regulations to intimidate customers. I would like HSBC to reverse the fees but more importantly I would like an explain how federal regulation prevents HSBC from reversing a charge that they are choosing to impose on customers. My complaint number with HSBC is XXXX.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is continuing to purposely report false and inaccurate information on my credit reports to willfully harm my credit. I have disputed with the company as well as the credit bureaus and they are still refusing to fix the fraudulent information. They are not addressing the issue and insisting that they are reporting correctly. They are not a factoring company they are a debt collector and they are reporting open factoring accounts on my credit to damage my credit and use unfair tactics to park the debt in an effort to obtain payment. The debt they allegedly purchased is not in fact factorable debt as they are a debt collector. Under the definition of a factoring company, factored debt must be current when purchased but according to them, these accounts were sent to collections. They are violating FDCP section 623 of the fair credit reporting act. I have enclosed proof of their false reporting and am requesting that these violations of incorrect information be removed immidiately or I will be forced to file suit for multiple violations. This is my second complaint that I have filed as the issues I addressed in my first complaint were blown off by the company and they only responded that they verified the information and that it's correct. They are now knowingly reporting incorrect information which is a clear violation. They even went as far as to add one of the incorrect accounts to my third credit report after receiving the information that it was incorrect and falsely reported.