davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to bring to your attention an issue regarding the late payments that appear on my credit report. After reviewing my credit report, I have identified several instances of late payments that I believe are inaccurate. 
I understand the importance of maintaining accurate and up-to-date credit information, and I am committed to ensuring the correctness of my credit history. I kindly request your assistance in investigating and correcting these discrepancies as soon as possible. 
XXXX XXXX XXXX and XXXX XXXX I believe that these inaccuracies are impacting my credit score negatively, and I would like to request the removal or correction of the late payment information associated with the mentioned accounts. I have attached supporting documents, including payment receipts and statements, to substantiate my claim. 
Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. I also request that you send an updated copy of my credit report reflecting the corrections to the address listed above.
Consumer complaint received 2023-09-23
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: EQUIFAX, INC. (CA)

XXXX, Equifax, and XXXX Credit Bureaus continue to send me the same responses, " We have already investigated your claim, please allow us 30 days to complete our investigation. '' These Credit Bureaus are at fault, they have not provided anything to me but COMPUTER-GENERATED LETTERS in the last 75 days! They have not provided any original documents that I have signed from the Creditors listed on my credit reports. Furthermore, the Creditors, nor their Collection Agencies, have provided specific documents that I have signed! I am extremely frustrated that no action under the FCRA has been taken against these companies for their negligence. It would be for civil liability, and willful no-compliance. My letters have been sent over and over again, now for a period of more than 90 days! These Creditors, and Collection Agencies keep selling my information to each other, then reporting to XXXX. Equifax, and XXXX Credit Bureaus. These actions on the part of all these agencies are major violations of consumer privacy laws, and a host of other FCRA and FDCPA laws they have violated. 
I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-01-17
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. (PA)

Collection Agency Name : XXXX XXXX Account Number : XXXX, Collection Agency Name : XXXX, Collection Agency Name : XXXX, Collection Agency Name : XXXX XXXX XXXX ( this is reporting twice on my credit report, from the collection agency as well as the original lender! Remove this item asap! ) Collection Agency Name : XXXX XXXX XXXX this is reporting twice on my credit report, from the collection agency as well as the original lender! Remove this item asap! Collection Agency Name : XXXX XXXX XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2024-01-17
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on XXXX and XXXX of XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-07-03
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. (NC)

I have disputed to no avail the collection account appearing in my credit report under the collection company listed as XXXX XXXX the problem is I originally requested validation if the debt XXXX responded with a consent form dated a entire year earlier then the hospital bill inpatient date ... .this is not valid validation of the debt also the consent form was for a regular doctor visit not a hospital stay as bill indicated. 
I then reached out to XXXX XXXX which was the original creditor to learn that this debt which XXXX XXXX is trying to collect is actually included in a charity application I submitted to XXXX XXXX XXXX assistance before the debt was purchased by XXXX the charity application had been accepted and us still pending review thus XXXX XXXX should not be trying to collect on this debt I have enclosed the XXXX bill A copy of my XXXX XXXX billing statement which shows this account is pending review for charity assistance with a XXXX balance I notified XXXX  I was in dispute if this debt before the 30 day notice however they will not crease contact it collection on this item
Consumer complaint received 2024-01-17
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I write to express my extreme dissatisfaction with the inaccurate and incomplete credit information that you are currently reporting under my name. It is distressing to discover such blatant errors in my credit profile, and it is evident that your operations lack reasonable procedures to ensure the maximum possible accuracy required by credit reporting laws. I demand an immediate and thorough investigation into the following information, as it is not only inaccurate but a serious violation of credit reporting standards. I insist on being provided with concrete proof of the alleged item, including the contract, note, or any other instrument bearing my signature. Failing to produce such evidence, I demand the swift deletion of the following misleading entry from my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. This inaccurate and incomplete reporting is not only damaging to my financial standing but is a clear violation of the laws governing credit reporting. I expect nothing less than the immediate removal of this erroneous information from my credit report.
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally am losing my mind because I have no other recourse XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ADP Inc. (GA)

I received a notification from my employer on XX/XX/XXXX advising of garnishment based on a notification from Automatic Data Processing ( ADP ) Inc. ordered by one of the courts in Virginia. I relocated from the state in XXXX of that year and was unaware of this. This was a civil suit auto loan company where I returned the used vehicle in XXXX after spending more than approximately {$10000.00} in multiple repairs. It was a lemon, and it was not sustainable for my family and me to constantly pay someone to repair the vehicle. I needed something dependable and cost-effective. The garnishment comprised 30 % of my income. I am the sole provider and was also at that time. I was unable to pay my bills with limited income and was at risk of not paying my rent, utilities, etc. Additionally, I tried contacting the company numbers provided in the letter. I was advised by ADP to contact the law firm. I called and left a couple of messages with the law firm but did not receive any returned phone calls. The garnishment continued until XX/XX/XXXX. 

Unfortunately, I received another court document by mail in late XXXX for XX/XX/XXXX, followed by an email the next week. The garnishment letter noted an effective date of XX/XX/XXXX with 25 % garnishment of my income for the same auto loan company for approximately an additional $ XXXX. The total amount to be awarded is nearly {$40000.00}, which is significantly greater than was owed in XXXX. This second garnishment puts me at risk of not being able to pay for housing, utilities, prescriptions, etc. I never received any communication from the auto loan before all of this. I have been living in another state for one year. I need help and have attached documents per instructions.
Consumer complaint received 2024-01-17
Product: Credit reporting 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. (AR)

Approaching the XXXX mark from my anticipated monthly credit report update, I am becoming increasingly apprehensive about the prospect of Experian, XXXX, and XXXX taking lawful measures to rectify the errors present in my credit reports. Despite my persistent efforts to address this matter from its inception until the present moment, there have been no discernible changes in the items I specifically requested for removal. It is imperative to reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items identified by the consumer as resulting from alleged identity theft, no later than 4 business days after the date of receipt. I have conclusively identified these items as being linked to the aforementioned crime, and I earnestly implore you to proceed with the removal of these fraudulent entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Under the Fair Credit Reporting Act ( FCRA ), the reported information falls under the category of billing errors that must be promptly corrected. These include discrepancies between the purchase price and the billed amount, charges for undelivered products or services, mathematical errors, and entries requiring further clarification. I insist that you conduct a thorough investigation with the creditors involved, and you will undoubtedly discover the veracity of my claim. Once the error is confirmed, I demand the immediate removal of this egregious misinformation from my credit report. Furthermore, I require that this letter becomes a permanent fixture in my credit record. Any questions regarding my request or the disputed credit information should be directed to me without delay. I demand your immediate attention to the following gross inaccuracies : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$5700.00}.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (LA)

I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This company updated my account i had with them in the past to late, this account is paid and closed, i was honored a goodwill in XXXX For XXXX, XXXX, XXXX and XXXX, same exact thing the representative told me. so why was my account updated to late for these months, my account was paid out in XXXX now they are reporting late payment for XXXX, XXXX, And XXXX of XXXX this is not accurate and needs to be fixed asap, giving out inaccurate information is against the law and this company can be fined for reporting inaccurate information.
Consumer complaint received 2024-01-17
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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

XXXX IS IMPROPERLY REPORTING UNVERIFIED PUBLIC RECORDS AGAINST MY CREDIT FILE, AGAINST FCRA AND VIOLATING MY RIGHTS. I HAVE ASKED SEVERAL TIMES THAT THEY CORRECT THIS BY PROVIDING HOW THEY VERIFIED THE PUBLIC RECORD AND THEY HAVE NOT. THE ONLY METHOD TO CORRECTLY VERIFY THE PUBLIC RECORD IS TO OBTAIN THE INFORMATION VIA THE CLERK OF COURTS. TO DATE XXXX HAS IGNORED ALL MY REQUEST TO REMOVE FROM MY CREDIT BURUEA WHICH IS NOT REPORTING IN ANY OTHER BUREUA. I DEMAND XXXX FURNISH THE VALIDATION INFORMATION OR DELETE THIS RECORDS ASAP.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ME)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' can you please help me out i really need my funds back i have to pay many things but the paypal hold my money help me please thank you
Consumer complaint received 2024-01-17
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. (MD)

I am writing to express my dissatisfaction with the ongoing challenges I have faced while attempting to correct late open accounts on my credit report. Despite multiple attempts, the issues persist, impacting my credit score and causing significant distress. 

I have made repeated efforts to rectify this situation through your dispute resolution process, yet the corrections have not been implemented successfully. 

Here is a summary of the actions I have taken to address this matter : I have submitted disputes through your online platform, providing detailed information about the late open accounts, along with supporting documentation. 

I contacted your customer support hotline to inquire about the status of my disputes. However, the information provided has been inconsistent, and the issue remains unresolved. 

In an effort to expedite the resolution, I have submitted supplementary documentation to support my case and clarify the inaccuracies. 

Despite these efforts, the late open accounts continue to negatively impact my credit report. This situation is not only frustrating but also raises concerns about the accuracy and reliability of the information maintained by Credit Bureaus. As a consumer, I rely on accurate credit reporting to make important financial decisions, and the persistent errors on my report hinder my ability to do so. 

I kindly request a thorough investigation into the late open accounts listed on my credit report and a swift resolution to correct these inaccuracies. Additionally, I seek clarification on the specific steps taken during the investigation process and a detailed explanation for the continued presence of these errors. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my hope that Credit Bureaus will take immediate action to rectify this matter and provide a clear and transparent resolution. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX
Consumer complaint received 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (GA)

My Apple Card account has been restricted for over 2 months now. Ive reached out to support as instructed and am either told XXXX hear from someone in 3-5 business days to resolve or that there is nothing they can do and I just have to wait. This has been going on for over 2 months with no answers. Ive reach out 3 times this month along with a number of times in XXXX.
Consumer complaint received 2023-08-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (MO)

My name is XXXX XXXX. Back in XXXX I was told that if I wanted to get promoted I needed to finish my degree. I went back to school for 4 semesters XXXX and XXXX. I graduated in XX/XX/XXXX, right before one of the biggest recessions ever. I was only able to get work as a temp, outside my field. 

Yet, I began repayment of both my federal and private loans in XXXX. I paid atotal of {$800.00} a month for 12 years. 

My principal balance is the same as the day I took the loans out in XXXX.