davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 XXXX XXXX
Consumer complaint received 2021-02-23
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. (FL)

There are accounts on my credit report that I did not consent to, I have mailed out dispute letters to resolve them with the credit bureuas directly however I am not getting the urgency needed to get these accounts removed. In my industry I have to ensure a positive report otherwise I could potentially face termination! I will not condone this much longer and will seek legal counsel if this matter isnt resolved within the legal time frame noted in FCRA. I do not believe things like this should even happen to people literally just trying to live a simple life and maintain a credible reputation!
Consumer complaint received 2024-01-19
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. (MI)

Company has refused to comply with federal law and consumer laws violating my rights as a consumer. The company has violated my privacy rights under The Privacy Act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Congress advises any of my private information is not for public. The reporting agency is a non governmental entity, meaning Eye must give you consent to report the account to my consumer report. According to 15 U.S. code 6801, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information,15 U. S. code 6802 follows by adding that, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. Experian is a nonaffiliated third-party of XXXX, therefore they do not have permission to report the " XXXX accounts '' to my consumer report. 15 U.S. code 6802 ( 1 ) also follows to insure the security and confidentiality of customer records and information.. According to, 15 U.S. code 6802b, there must be 3 disclosures first before any of my information can be exchanged regarding an account and Eye must first agree to having the information of the reported account disclosed to the public. Eye have not agreed to having the " XXXX accounts '' disclosed. Therefore the accounts must be removed from my Consumer report and Experian a non-affiliated, ( Third party ) of XXXX  must delete the collection accounts from my consumer report. The reporting agency Experian has continued in their efforts to disregard my consumer rights, violating federal law and privacy rights under The privacy Act of 1974. It is imperative that this matter is resolved immediately and the " XXXX accounts '' are removed.
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Simon's Agency, Inc. (NY)

There are several issues with this company. 
Beyond the nasty attitude received each time I attempted to resolve, they are reporting inaccurate information. 
The bill includes a Dr From a 2013 visit. They have been very disorganized. They have manipulated information on bill to keep on report. 
This bill also includes a visit that was a result of a false police report and was even told by sheriff 's department to drop bill and refused.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (NM)

I have two prepaid ( general purpose ) visa cards. On the card it says " FUNDS DO NOT EXPIRE ''. However, the two cards do have expiration dates which have passed. 

I logged onto their website and tried accessing the remaining balance. The balance shows that I have funds on both cards but that since the card is expired I can not use it. 

I tried calling the customer care but it is an automated system that does not offer any resolution and no other mode of contact. There is no way to use my funds and no way to contact the card company.
Consumer complaint received 2024-01-19
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. (MD)

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 2021-10-07
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. (FL)

XXXX XX/XX/XXXX current on payments XXXX XX/XX/XXXX current on payments XX/XX/XXXX no data XXXX XXXX XXXX XX/XX/XXXX current on payments XX/XX/XXXX 30 days past due XX/XX/XXXX 60 days past due XX/XX/XXXX 90 days past due XX/XX/XXXX 60 days past due I am missing data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2 late payments were previously removed per dispute. All should have been removed per natural disaster and covid 19
Consumer complaint received 2016-04-27
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Greenback Recovery Group, LLC (CA)

She said I 'm under final legal review and will give you a state mandated notice of intent. Should you wish to face your accuser and have a right to give your personal input. The lady that called said her name was XXXX XXXX.
Consumer complaint received 2016-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC (PA)

I had residential wireless service with XXXX XXXX. Due to the frequency of my paycheck, I normally paid half my bill in the first 30 days post billing, and the remainder in the next 30 days. My contract ended with XXXX in XX/XX/XXXX. As per usual I paid half my bill within the first 30 days, and planned to pay off the remaining balance in the following 30 days. However, XXXX XXXX charged my account off into collections without properly notifying me of such. Further, the balance that was sent to North Shore Agency was incorrect and did not reflect a payment I had made on the account during the first 30 days post-billing. North Shore sent me an initial notice demanding payment of {$130.00}, which was incorrect. Since I was unable to reach North Shore during their very limited ( XXXX-XXXX M-F ) business hours, I went to their website to dispute the debt. I never received any notification from North Shore that they had processed my dispute and have not received any validation documentation in the mail. It has been two weeks. 

I have paid this entire balance with XXXX. North Shore should be held responsible for its failure to adequately ensure the balances they agree to collect are accurate, and for their inability to process a consumer dispute and request for validation, especially in light of recent rulemaking released by the CFPB intending to curb just such practices.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (DE)

On XX/XX/2020 I paid off my mortgage balance in full via a refinance with another lender. As of XX/XX/2020 I have not received the refund of my {$5100.00} escrow balance. I have spoken with customer service at CIT several times since then. They first ignored my email sent via the XXXX portal. When I called on XX/XX/2020 I was told the check was sent to the wrong address ( same street, wrong house number ). I do not know where they got the incorrect address. The person I spoke ( XXXX ) with told me to call back the following week to confirm the check was sent. I called again on XX/XX/2020 and spoke with XXXX. He said that the check was issued on XX/XX/XXXX, and that I should receive it in 7-10 days. I still have not received this check. It has been 85 days since I closed this account.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (KS)

I decided to return to school part-time ( XXXX XXXX XXXX ), starting XXXX XXXX. On XX/XX/XXXX, I sent MOHELA a secured message to notify them of this and to NOT put my account on in-school forbearance. On XX/XX/XXXX, they did the exact opposite and put my account on in-school forbearance. I have sent them additional secure messages but they refuse to respond or remove the in-school forbearance.
Consumer complaint received 2024-01-19
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (NJ)

NCB Management Services, has violated the fair debt collection practice act 15 U.S. Code 1692g ( a ) ( 3 ) ( 4 ) Validation of debts. In their initial communication they did not provide a statement notifying me of my right to dispute this alleged debt. Nor did I receive a statement that I can request verification of this debt. Their violation of the FDCPA has caused me grave injuries and damages, Per Frey v. Gangwish, 970 F.2d 1516 ( 6 '' Cir. 1992 ). The FDCPA is " an extraordinarily broad statute '' and must be enforced " as Congress has written it.
Consumer complaint received 2020-05-18
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (IL)

I have been working with XXXX XXXX since XX/XX/XXXX regarding derogatory payments being reported on my credit report. They have indicated to credit bureaus that I have not paid my account in XX/XX/XXXX and XX/XX/XXXX. The account has had a XXXX balance since XX/XX/XXXX, however they report that I owed a {$13.00} on this account and failed to provide statements. I filed disputes with all bureaus on XX/XX/XXXX and contacted the bank. All of the disputes were denied by the credit bureau. XXXX XX/XX/XXXX admitted the mistake over the phone and removed the {$13.00} ; they said the issue would be resolved with my credit report within 30 days. They would not issue a letter to my mortgage broker in the interim. There was no update in XX/XX/XXXX report so I continued to call them ; no answer, and no update to my credit reports. I have spoken with XXXX XX/XX/XXXX, Loss Containment, Credit Dispute, Customer Service, and their Regulatory Risk  Management department. They have admitted that they have made an error however will not remove these marks from my credit report. This has cost me time ; and the ability to purchase a home in a timely manner. This is unacceptable ; no one at the bank seems to know what to do ; my credit report is being artificially lowered by around 100 points and preventing me from moving forward with a purchase without a significant increase in my downpayment amount and a much higher interest rate than I would otherwise have paid.
Consumer complaint received 2020-07-07
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. (TX)

XXXX and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however XXXX will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (NY)

I have a secured credit card with Wells Fargo. I was renting a car with XXXX. I left my secured credit card as collateral there. When I paid with the car, however, I used my debit card. XXXX accidentally charged XXXX my credit and my debit card. They then reversed the charge on the credit card. Because this charge was over my limit, Wells Fargo closed the card and refused to reopen it even after XXXX admitted fault and reversed the charge. This has negatively affected my credit even though I did not authorize this charge to be made.
Consumer complaint received 2024-01-19
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. (NC)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

As of XX/XX/, XXXX began billing me for an alleged XXXX  loan I, XXXX XXXX : XXXX allegedly owe. However me being the beneficiary it doesn't benefits me to repay an alleged loan. I am writing to address the matter of the student loan debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this student loan debt is not beneficial based on a careful consideration of various factors. 

Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged loan would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the work credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property. 

Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged loan, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. 

Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged student loan debt associated with my account in light of the trust relationship and equitable considerations. 

Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. 

Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. 

I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. 

Thank you for your understanding and cooperation.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-01-19
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. (CA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 


DATE COMPANY ADDRESS REQUEST ORIGINATOR 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 2016-08-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation (TX)

On XXXX United Revenues was sent a request for validation of debt. On XXXX the debt collector sent correspondence that was not sufficient to my request. On XXXX another request was sent to the debt collector regarding the alleged debt. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt with sufficient documentation and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.