davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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. (GA)

For the record I have advised Experian on multiple occasions that the reporting of a dispute account was inaccurate. I contacted the creditor directly through certified mail requesting Debt validation with a letter dated XX/XX/XXXX. However, the creditor failed to provide me debt validation. I then attempted to dispute this account through Experian 's Online Dispute center. On XX/XX/XXXX Experian updated their reporting to include late payments on a charge-off. The disputed account was supposedly charged off in XXXX however the results of Experian investigation resulted in them reporting the account as a charge off with late payments as of XX/XX/XXXX. I made my second attempt to have Experian correct their reporting or removal of this account through certified mail with the dated XX/XX/XXXX. This letter also included a copy of the letter I sent to the creditor. Experian later came back with dispute results that still reported the account as a charge-off that was past due as of XX/XX/XXXX. Experian made no attempt to investigate their reporting of this account. I followed up with Experian through certified mail with letter dated XX/XX/XXXX. I included copies of all my attempts with this letter. I also included XXXX findings of this account. On XX/XX/XXXX Experian claims to have investigated and updated the results of their reporting. Instead of doing the right thing and removing this erroneous reporting. Experian buckled down with more erroneous reporting. Experian is now reporting this account as a charge-off with late payments as of XX/XX/XXXX.
Consumer complaint received 2022-05-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WI)

In XX/XX/XXXX, Ex-sponse, XXXX was told, XXXX XXXX XXXX Accepting Car will continue to belong to XXXX XXXX the Co-owner, so order. I asked Nissan Motor Acceptance to remove him as the Owner. I had been reaching out to them to update this information since XX/XX/XXXX. I told them he Closed our Bank account and stop supporting our XXXX from XXXX XXXX To XXXX. That's when my Alimony Benefits started XXXX late.Then I had a started part-time job @ XXXX XXXX XXXX XXXX XXXX , In XXXX XXXX XXXX  ( Laid off ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I continued to pay on my Car. I just need his name off on my Car.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (NV)

From XX/XX/XXXX to XX/XX/XXXX, we lived at XXXX XXXX XXXX XXXX and XXXX our rent on time and early without any issues at all. However, after we paid our final rent for XX/XX/XXXX and moved out of the apartment in order to move to our new House. we were first told by the XXXX at the time that we didn't need to pay that rent since we were on a monthly lease and then they said that they would not refund us the {$1100.00} we overpaid since they were going to withhold the money in order to pay for " Damages '' that were incurred even though they were representative of living with my wife and XXXX children for 8 years without the apartments even coming by for an inspection and repairs ; that was normal wear and tear. and without my knowledge, they then took my account to Allied Collections for the amount of {$1900.00} since the end of XXXX and I never received a formal letter or call from Allied Collections stating that I had any debt to owe and they have ruined my credit for no reason since we were denied for an auto loan and that negative mark showed up on the report. My XXXX called the XXXX XXXX days ago and asked why they hit our credit report with a collection and they said that it was because of unpaid rent even though I still have receipts proving that I had paid rent XXXX in the month of XX/XX/XXXX and they suddenly could not provide us with receipts that we had paid our rent on time. So my XXXX  then called advanced management and emailed their president and she got a call from the regional XXXX XXXX XXXX stating that the debt sent to us was sent in error and they should not have even charged us for normal wear and tear and that she will call her back in a day to rectify that but she never called her back. I went ahead and filed a dispute with XXXX and I have come here to file a dispute with the CFPB in order to rectify this
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

They offered me a bonus of XXXX dollars for opening a bank account, they gave me the option of depositing an amount of money in the account and that at the end of the year they gave it to me and on the contrary they closed my account not to pay me the bonus
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-09-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IN)

XXXX XXXX received verification of debt regarding an account reporting on my credit report that I do not have any knowledge of. Please see the attached documents that were mailed to the creditor inquiring about the account. Creditor did not respond back verifying debt.
Consumer complaint received 2023-09-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. BANK OF AMERICA XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX has been reporting late payments on my report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified inquiries MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX  Date open______XXXX___________ Account XXXX Reason for dispute IDENTITY THEFT Account XXXX Account Name XXXX XXXX XXXX Reason for dispute_ IDENTITY XXXX Account XXXX Account Name nelnet Date XXXX Account XXXX Reason for dispute__IDENTITY__THEFT__ Account XXXX Account Name_sequium asset Date XXXX Account XXXX Reason for dispute__IDENTITY THEFT_______________ Account XXXX
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC (AR)

Received calls from asgrecovers, XXXX, several times stating I owe a debt, doesnt give any proper information about any he debt. I do not have any outstanding debts. Their most recent phone number is XXXX.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (PA)

On XX/XX/XXXX I filed two claims with money network customer service due to unauthorized use on the card I had with them. The one dispute totaled around {$420.00} dollars and the last 4 of the claim number is XXXX, while the other claim totaled {$200.00} dollars and the last 4 of that claim was XXXX. I was promised by a supervisor at that time that I would be given a full provisional credit within two days of me filing these claims because I needed the money for rent! Now it clearly states on money networks website under the terms and conditions that once a fraud claim is filed within 10 days you will receive a provisional credit for the unauthorized charges. Not only does it state that on money networks website-it also is a federal law and beings that this company claims to be fdic insured-they have to give me my money back! I have called customer service everyday now for the last few days and I ask to speak with a supervisor. I'm not sure what kind of employees money network looks for when hiring, but they need some additional training because not one of them is even nice let alone empathetic to my situation. Not one of them even knows what money networks terms and conditions even say!! I want my money back now! It's been well over the 10 day grace period that you people have been allotted to give me the provisional credits you owe me! I will continue to make complaints everyday if need be!
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (DC)

XXXX XXXX : Collection Open Date : XX/XX/XXXX Status : Seriously Past Due Assigned To Attorney Account Disputed : Several Times In Regards To This Collection There Has Not Been Any Mail Sent In Regards To This Debt Claimed Owed. Information Is Not Available And Has Been Hidden. I Have Sent A Notice In Regards To The Response Of This Debt On XX/XX/XXXX & Still Have Not Received Information. I Have Been Fighting To Get Removed Due To Fraud And Non Information Of Debt On My Account. 

I Sent A Letter Stating : This is a response to non information sent in regards to validation of debt and errors on my credit reporting to credit bureaus and the highly negative credit information. This notice is being sent in pursuant to the fair debt collection practices Act, 15 USC 1692g Sec 809b that your claim is disputed and validation is requested.
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: Kikoff Inc. (MI)

I contacted XXXX many times concerning the debt owed by the debt collector kickoff. I reached out to Kickoff three weeks ago and there is an automated service that directs me to email XXXXXXXXkickoff.XXXX XXXXor customer support. I am reporting that there is no way to reach this debt collector to negotiate the debt. Kickoff is reporting an unpaid debt to my credit report while unreachable and ignoring me reaching out to them through my credit file. I want this issue resolved as soon as possible. I also Faxed over my information documents to XXXX to update my name and it has been XXXX weeks going on XXXX and my name has not been changed. I don't feel like XXXX is doing what needs to be fixed and I am now forced to make a complaint about what is happening.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (TX)

I filed an identity theft XXXX report. I have repeatedly tried to communicate with the company about inaccurate information reporting on my file. No communication has ever been received after multiple attempts and no one is helping me.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed an identity theft XXXX  report. I have repeatedly tried to communicate with the company about inaccurate information reporting on my file. No communication has ever been received after multiple attempts and no one is helping me.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (TX)

KIK OFF LENDING LLC is in clear violation of the law for contacting a third party or consumer reporting agency with my nonpublic personal information without lawful authority. I obtained a copy of my consumer reports ( XXXX, XXXX and XXXX ) to notice an account furnished by KIK OFF LENDING with XXXX late transactions starting on ( XX/XX/XXXX ). KIK OFF LENDING can not provide me with a copy of an original signed consumer agreement where I gave them written authorization to furnish anything on my consumer report which violates 15USC 1681 ( B ). They also can not provide me with the original statement they sent me 21 days before the XXXX late transactions in this account was reported to the consumer reporting agencies which is a violation of 15USC 1666 ( b ). By furnishing these transactions, they also violate 15 USC 1681 ( 2 ) ( a ) ( i ) which states all transactions or experiences to any person are excluded from my consumer report which means late or not, my transactional history to any company is not supposed to be reported on my consumer report. On ( XX/XX/XXXX ) and ( XX/XX/XXXX ), I sent KIK OFF LENDING a notice of their violations and demanding deletion of these late transaction or the account they furnished. According to the law referenced, this data furnished is unverifiable, inaccurate, and a direct result of IDENTITY THEFT as per 18USC 1028 ( A ).
Consumer complaint received 2022-05-05
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. (NJ)

I am XXXX, on XX/XX/2021, I found out multiple accounts on my credit report that were not mine, and I do not have any idea why they were on my credit report, after doing some research, on XX/XX/2021, I submitted my first dispute, months later, I pulled my updated credit report and those accounts still there, I really need these following accounts to be remove from my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX BANK XXXX, these five accounts mentioned above are not mine, I need these accounts to be remove from my credit report, because they are affecting my ability to get funding.
Consumer complaint received 2022-05-05
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. (WI)

Late payments are being reported and I have never been late. I also have inquires that have yet to be removed. There are several laws that are continuously being broken by XXXX, XXXX, Transunion, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX  upon me 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( d ) ( 1 ) 15 U.S. Code 1692 ( d ) ( 5 )
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

XXXX  put all your feet at {$35.00} on my account. I get money once a month and I told the lady to take all of it off she took half of it off and they still charge me {$46.00}. I dont have it the ladies was very rude and disrespectful.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # 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 2022-05-05
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. (NC)

I wish to remove inaccurate personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. In addition, according to 15 USC 6802, no financial institution is supposed to share my information with a third party.

These are clear violations of my federally protected consumer rights. 

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 Account # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 an 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 2024-02-12
Product: 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 (CA)

My American Express Business Gift Card I received from work doesn't work. All transactions I try show up as card being not able to use/declined. 

Gift Card website amexgiftcard.com indicates my full balance. ( {$150.00} ) I try to purchase lower value items and still gift card never works on any purchase.