davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
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. (LA)

XXXX XXXX XXXX should not be reporting to XXXX XXXX Experian and XXXX  lates for the months of XXXX and XXXX, 2020. ( Please see pages attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) The vehicle was stolen and when it was recovered it required extensive work with the auto mechanic. I contacted XXXX and was granted a payment extension. ( Please see the attached letter from XXXX titled Payment Extension Notice for reference. ) This false reporting of lates on this account is seriously harming my credit score and these lates need to be removed. Also, XXXX  ; Experian XXXX XXXX are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (PA)

EOS CCA contacted me in reference to debt that I did not know I could contest and do not owe. I have asked them for verification of debt like a contract between parties or a wet signature they have not provided me, therefore they have vilolated my rights by accessing my report under flase pretense and misrepensentation. 

In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
Consumer complaint received 2020-07-08
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} DTEDXXXX XXXX {$820.00}
Consumer complaint received 2021-04-07
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. (LA)

XXXX XXXX XXXX should not be reporting to XXXX XXXX XXXX  and Transunion lates for the months of XXXX and XXXX, 2020. ( Please see pages attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) The vehicle was stolen and when it was recovered it required extensive work with the auto mechanic. I contacted XXXX and was granted a payment extension. ( Please see the attached letter from XXXX titled Payment Extension Notice for reference. ) This false reporting of lates on this account is seriously harming my credit score and these lates need to be removed. Also, XXXX XXXX XXXX  and Transunion are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2021-04-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (FL)

DEBT RECOVERY SOLUTIONS LLC has been in violation of the FDCPA and FCRA over a course of years. There is no more room for negotiation if they do not remove the false information. I will seek litigation against DEBT RECOVERY SOLUTIONS LLC.
Consumer complaint received 2018-03-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I am a cosigner on my sons student loans. The interest and balance keep going up. Navient is hard to deal with, get information from as well as any negotiations. How can a balance keep going up after paying for 10 years? It is impossible to repay. They were never forthcoming, made us believe this could actually be paid off. Very predatory, basically a scam. There needs to be some recourse for all the students who got stuck during this time period of 2008 till present. 
The mortgage company 's that did this had to make good why isn't this company held responsible?
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

fBOA has sent false info about me to at least XXXX Credit Bureaus! 
Probably more! 

BOA falsely claims that I am allegedly behind on payments! 
That is FALSE! 
The truth is- I an enrolled in AUTO-PAY! 

SO the payment is supposed to happen automatically!
Consumer complaint received 2022-07-14
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. (NY)

In XX/XX/2021 I sent you a letter regarding inaccurate and unknown things on my credit report. This letter is in response to your response in my CFPB complaints with closed authorization needed, Is it not clear that I have attached my State ID and Utility bill to certify that is in fact me submitting the disputes. I wrote you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit scoring.
Consumer complaint received 2022-07-14
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. (NY)

In XX/XX/2021 I sent you a letter regarding inaccurate and unknown things on my credit report. This letter is in response to your response in my CFPB complaints with closed authorization needed, Is it not clear that I have attached my State ID and Utility bill to certify that is in fact me submitting the disputes. I wrote you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit scoring.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year> you received my dispute regarding some transactions and late payments that you and Experian furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you Experian stating that the account was verified!!! 
I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore this process must be certified by an agent that the information is accurate.
Consumer complaint received 2024-01-23
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 PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE ACCOUNT IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

This is my second time writing ( credit bureau ) about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v.

XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), ( credit bureau ) may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. ( Credit Bureau ) had received my second as proof on this ( date ), which mean they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify 1. The following personal information is incorrect Account Number : DATE OF BIRTH : 1983 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

7. Validate Account XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

8. Validate Account XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

9. Validate Account XXXX XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report.
Consumer complaint received 2021-04-07
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)

XXXX XXXX is a victim of identity theft. The fraudster applied for credit with multiple companies using her personal information resulting in a number of fraud-initiated inquiries reporting to her various credit reports. While many of these inquiries have been removed from her XXXX  and XXXX files, Equifax seemingly refuses to remove the information in spite of multiple disputes sent against these FRAUDULENT inquiries. 

Fraudulent inquiries were initiated through XXXX XXXX Bank on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. We have submitted disputes against these inquiries to Equifax on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

However, Ms. XXXX 's Equifax credit history obtained on XX/XX/XXXX continues to report these frauduelnt inquiries.
Consumer complaint received 2019-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX XXXX credit services charged against my debit card in the amount of {$19.00}. The bank reversed the charge via investigation and blocked XXXX. On XX/XX/XXXX XXXX again charged my debit card {$19.00}. This time the bank blocked my debit card and forced me to go inside the bank to withdraw from the account. 

This causes a financial hardship in so much as that since my account was opened with this bank, my identification card expired, and I am caught up in red tape with the identification bureaus as I wait for identifying documents to obtain a CA ID Card, a USA passport, or another Military ID card. This wait has been since my identification card expired on XX/XX/XXXX. 

Meanwhile, my debit card is blocked, my direct deposit from my job will continue to deposit into my account, and I am not able to withdraw because the customer service department blocked my card due to the fraud of XXXX  and the subsequent charge at my debit card since the unauthorized purchase in XX/XX/XXXX.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DE)

I submitted a dispute for personal information, XXXX former addresses XXXX to Experian to remove former addresses listed on my credit report. I do not live at those addresses anymore and they are reporting incorrectly. I asked them to remove these addresses and they just updated the addresses without removing them. I sent Experian my State Identification and a utility bill to have my current address listed only.
Consumer complaint received 2019-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MA)

This past Friday ( XX/XX/2019 ) I was the seller for a transaction closed by Quicken Loans and their attorney XXXX XXXX XXXX of XXXX MA. When I received the seller CD I noted two junk fees totaling {$250.00}. I requested they be removed but they were not. I requested a check for my proceeds be brought to the closing but was told the attorney had no checks and therefor he needed to wire the money. He sent the wire at the end of the day even though the transaction went to record at XXXX XXXX The wire was credited to my account today ( XX/XX/2019 ) and was short {$740.00}. The amount did not equal what the seller CD said I would be getting. I emailed both the closing attorney and my attorney first thing today. Having not hear anything for a few hours I looked the attorney up online and learned that the email address provided on the CD was not his work email. He has an email address and the domain for his law firm but gave a XXXX email address on the CD. The are multiple violations of TRID an probably a criminal complaint for the funds.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data
Consumer complaint received 2024-02-14
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: EQUIFAX, INC. (MO)

I am writing to follow up on our previous communication via CFPB, concerning discrepancies within my credit report. Once again, I find myself deeply troubled by the presence of unfamiliar entries on my report, and I believe it is crucial to underscore the seriousness of this issue.
Consumer complaint received 2022-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC. (FL)

this is not my debt. this was opened online with stolen information. i had to close my bank account due to this matter because someone gathered that information also. Im not sure what more to do here.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MD)

Experian has stated on several calls to customer service on XX/XX/XXXX and XX/XX/XXXX that they have no protocol set up to be compliant with the federal law According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. They stated they have no protocol in place to comply with physical verification requests. They have filed to reponsd to previous complaint # XXXX. How can you allow them to operate in the united states if they can balantly ignore the law? Please find out what official protocol is in place for providing complaince with the FCRA Sec 609 ( a ) ( 1 ) ( A ) as required by federal law. 

Their actions are causing me undue hardship, the law states Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. They have failed to remove the accounts. Rendering me Homeless beause of their lack of validating under the law.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MT)

In response to my initial complaint filed with the CFPB, I was contacted by XXXX XXXX, Senior Specialist, Corporate Consumer Relations, Synchrony Bank. She left a garbled voicemail that I could barely understand and an email from a suspicious looking email address. 

I have left a return voice mail and two email responses in return- within a few hours of her reaching out to me- it's been almost a week, and she's made no attempt to get back to me. 

The email address she used looks highly suspicious : " XXXX '' and her voicemail sounds garbled- not professional at all. 

To recap : Synchrony Bank applied almost {$1500.00} in fraudulent charges to my account using a " card security '' scheme in cahoots with XXXX XXXX. I am due to reconcile my account on XX/XX/XXXX, but can't seem to get anyone from either company to give me the time of day. 

This issue needs to be resolved by XX/XX/XXXX or they will penalize me- how is any of this legal? They appear to be deliberately delaying the process so that I am penalized. I've lost sleep and time away from work in order to deal with this nightmare they've created. 

Everything about Synchrony bank is suspect - these people are outright criminals and they are intentionally stealing people 's money.