davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time XX/XX/XXXX Days Late and amount past due. 
XXXX ) Account Name XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (KS)

XX/XX/2023 unifund llc garnishment my bank account under fraudulent identity theft and well past the statue of limitations for the state of Kansas I have filed police report today XX/XX/2023. Case number XXXX XXXX XXXX XXXX Kansas
Consumer complaint received 2022-09-14
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-09-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TN)

XXXX ( Original Creditor : XXXX SANTANDER CONSUMER USA INC ) has been fraudulently reporting on my personal credit. This account has been addressed with XXXX and Santander under the fraud they have committed against consumers. I have sent certified mail return receipt and still its reporting. This debt with Santander is FRAUD and they sold it to XXXX after they claimed it was resolved. I am so tired and frustrated from these antics. How do they get away with violating a consumer. Please help me!
Consumer complaint received 2023-03-30
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. (MD)

In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 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 

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 2022-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I received a bill from debt collectors Portfolio Recovery Associates , LLC , Inc. in the mail advising that I have options for an alleged account. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Portfolio Recovery or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Portfolio Recovery Associates , LLC. I have yet to witness a " wet ink '' signature between myself and Portfolio Recovery Associates , LLC. nor have I ever received a True Bill in commerce in regards to this account. Portfolio Recovery has attempted to upon levy and/or trespass upon Me, the living woman, without due cause. There is NO valid contract.
Consumer complaint received 2024-10-28
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. (MO)

I am writing to file a formal complaint regarding XXXX XXXX  handling of my account and the inaccurate reporting by the credit bureaus Experian, XXXX, and XXXX. The issues I am experiencing with XXXX XXXX  are causing significant and undue harm to my credit and personal well-being, and I respectfully request the CFPB 's assistance in resolving this matter. 

Account Details : Issuer : XXXX XXXX  Account Number : XXXX Reported Amount : {$2900.00} Date Reported : XX/XX/XXXX Account Status : Closed/Charged Off ( XX/XX/XXXX ) Key Issues : 1. Inaccurate Reporting of Account Status : Despite the account being marked as Charged Off since XX/XX/XXXX, Experian, XXXX, and XXXX continue to report it as derogatory. This is misleading as XXXX XXXX  has been informed of the circumstances around the charges on this account. 


2. Theft and Disputed Charges : My vehicle and credit cards, including my XXXX XXXX, were stolen in XXXX, Missouri. Following this theft, unauthorized charges were made on my XXXX account. I reported this to XXXX XXXX, yet they have refused to acknowledge the theft and disputed charges. 


3. Mixed Communication from XXXX XXXX  : XXXX recently indicated they are considering issuing a 1099-C form to potentially forgive the debt. However, they have also stated that they still intend to pursue legal action against me for this disputed debt, which has left me confused and without clear direction.

4. Request for Accurate Credit Reporting : I am asking for CFPB intervention to ensure Experian, XXXX, and XXXX remove the derogatory status from my credit reports. The charges were disputed and resulted from theft, which XXXX XXXX has refused to appropriately address or resolve.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

Dear, XXXX, Experian, and XXXX XXXX XXXX, Dispute Resolution Departments Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed/deleted in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$190.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (AL)

XX/XX/2022 I reported unauthorized transactions to Direct Express. I also informed Direct Express that it is impossible to set up online account for my benefits as it appears someone has already set one up without my permission. The agent said Doesnt see unauthorized transactions.. However, I had not given the agent a date, amount of transaction, or payee. Agent cancelled my Direct Express card and put me on hold. Now, XX/XX/2022 when I call Direct Express I am only allowed an automated recording which states my new debit card was issued on XX/XX/2022. I have not received my card and I was not allowed to dispute unknown transactions. There is no prompt to speak with Customer Service, automated recording says date issued then hangs up on me.
Consumer complaint received 2023-03-30
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)

I have Disputed these accounts more than once and the information has not been updated. XXXX  XXXX XXXX account is old and the delinquency dates are not reported. It was deleted automatically off my other XXXX reports but not this report. The XXXX account is over seven years also and not reporting accurately. The delinquency date on the Truliant account is also wrong. I need this corrected immediately. They are not taking my complaint seriously. The representatives have not been helpful at all and do not care.
Consumer complaint received 2022-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (NV)

Dating back to XX/XX/XXXX up until now XX/XX/XXXX Ive been a victim of identity theft and data breaches putting me in debt with numerous fraudulent accounts and transactions unauthorized thousands of dollars were charged in fees and debt credit card accounts and loans were also fraudulently opened causing me poor credit and debt thats very difficult to fix. Ive filed police reports and tried reaching out to the companies in question with no success I ask all parties that you remove and block the negative inaccuracies and false statements and accusations against me due to identity theft I have all documents and much proof I can attach with my complaint please acknowledge and accept my claim
Consumer complaint received 2022-09-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Someone has been using my information to open cards and it is not me. Now a collection company is threatening me that they are going to file charges on me. But I have never had a hsbc credit card. I think I know who is doing it. I just need help.
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (AR)

At this point and time I may not have the necessary documents for you to access, but as my report may show a numerous amount of inadequate reports. Sadly, to say I was XXXX majority of the years my credit may or may not have been used. Therefore, I would greatly appreciate it if you would look into the matter and provide me with year and date that my information was involved in. Also, how would I access much needed funds through this financial company? If at all possible?
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 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 have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NY)

I am filing a complaint in reference to my Wells Fargo accounts and credit card.Account number. XXXX. I opened my credit card around XXXX of XXXX. Some how Wells Fargo is not reporting my correct social and I was already a Wells Fargo Customer through the banking side, Every time I call to try to have my account looked up through social security number its not able to be located, unless I call from my cell phone which automatically pulls my account up. 

I tried calling on XX/XX/XXXX to have the situation looked into, and I was told the social is not matching,
Consumer complaint received 2024-11-21
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: I.C. System, Inc. (TX)

XX/XX/XXXX Contacted XXXX XXXX to cancel service and return equipment. I called their customer service line and it was answered by an overseas agent that could barley understand me. I asked several times for a Manager or Supervisor that could help me, but she refused. She took my cancellation order and told me to return my equipment to The XXXX XXXX for return credit. XXXX received my equipment a week later. 

Then in XX/XX/XXXX I received a billing statement from XXXX for {$210.00} for XXXX monthly billing. I again called XXXX Customer Service to no avail. 

I filled an online complaint with XXXX # XXXX on XX/XX/XXXX. No reply from XXXX. I started to receive harassing phone calls from XXXX and no one would listen to my side, just said I had to pay or else ... I contacted my bank, XXXX  XXXX XXXX and filled a charge dispute as XXXX took out the payment on XX/XX/XXXX. XXXX XXXX XXXX  dispute # XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX sent me an email letter stating that they have investigated this dispute and communicated with XXXX and that XXXX has decided to remove the charge and resolve the issue. I was given a credit for the charge in my account. 

Then a month later, I again started getting calls from XXXX saying I owe them money. I again tried to explain what has taken place, but no one wanted to listen. I filled another claim online with XXXX and on XX/XX/XXXX at XXXX, they updated my claim to " Resolved '' To me this meant they agreed with me, XXXX XXXX XXXX and their own company that the charges were not founded and should be reversed and removed from my account. 

XX/XX/XXXX, I receive a collection letter from I.C. Systems Inc stating that I owe XXXX {$210.00} ... Here we go again... 

On XX/XX/XXXX XXXX at XXXX XXXX  XXXX I called IC Systems Inc to dispute this claim and provide the documentation. I called XXXX and the first time I was disconnected before I could reach a person. I called right back and reached " XXXX '' I started to explain that I wanted to dispute this claim and why and that I had proof of a resolution. She kept interrupting me, stating that this is a factual case and XXXX has the right and that this is not for equipment but for service and I said I understood that but I had no service, so how can I be charged, she then interrupted me again and said this is due to early cancellation of the agreement, I tried to explain that this is not the case and she hung up on me and refused to take my dispute. I am filing a complaint with the CFPB
Consumer complaint received 2022-09-14
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.