davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Phone : XXXX Email : XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Reporting of UCC-1 Financing Statement Follow-up to CFPB Complaint Dear XXXX Representative, I am writing in response to your recent communication regarding my dispute, where it was noted that the UCC-1 Financing Statement I submitted is not currently reporting on my XXXX credit file. 

To clarify, this UCC-1 Financing Statement is a public record filed with the California Secretary of State under filing number XXXX, and as such, it should be accurately reported on my credit file. This is not related to a trade line or any traditional credit account, but a public filing that reflects a lien on collateral under the Uniform Commercial Code. Public records such as UCC filings are essential components of a complete credit report and should be included to provide an accurate financial profile.

I have attached the following documents again for your reference and action : 1. Initial UCC-1 Financing Statement filed on XX/XX/XXXX. 


2. Restated collateral filings on XX/XX/XXXX and XX/XX/XXXX. 


3. Termination and additional collateral filings from XX/XX/XXXX. 



This information must be accurately reported as part of my credit history, and I respectfully request that you correct the omission and update my credit file immediately to reflect this public record.

Please confirm once this action has been completed or provide a detailed explanation of any further steps required. Additionally, I request a copy of the revised credit report once the update has been made. 

I trust that XXXX will ensure the complete and accurate reporting of my public records, as required by the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : UCC-1 Financing Statement ( Initial Filing and Amendments ) -- -
Consumer complaint received 2024-10-29
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 am filing this complaint against Experian regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Experian has been inadequate. 

Here are the details of the issue : Report Number : XXXX & XXXX & XXXX Dispute Submitted : XX/XX/2024 XXXX XXXX XXXX  ( XXXX ) Account No : XXXX Original Dispute Reason : This account does not belong to me. 

And : Report Number : XXXX XXXX & XXXX Dispute Submitted : XX/XX/2024 Account Name : XXXX XXXX  Account No : XXXX Original Dispute Reason : This account does not belong to me. 

Experian informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Experian to confirm the accuracy of this information. 

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Experian claimed they updated the item but did not provide any documentation to support their findings. 
I asked for the supporting documentation, as is my right under the FCRA, but Experian has failed to respond appropriately. 
The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Experian : Provides the necessary verification documentation they claim to have used in their investigation. 

Removes the disputed item if they are unable to provide verifiable proof of its accuracy. 
Ensures that any actions taken by Experian comply with the 30-day investigation requirement as mandated by the FCRA. 

I also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 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. DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (CA)

Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Credit Control , LLC XXXXXXXX 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 Dear Credit Control , LLC , I am writing to formally dispute the validity of the debt referenced above, which you claim I owe to XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX, I received a letter from XXXX XXXX XXXX XXXX, the servicer for XXXX XXXX XXXX, stating that after investigating my fraud claim, the account would be closed and not sold. Additionally, they assured me that the tradeline would be deleted from the credit bureaus. 

Contradiction : Despite this assurance, I received your collection notice dated XX/XX/2024, indicating that the account has been sold to Credit Control , LLC for collection. This contradicts the information provided by XXXX XXXX XXXX. 

I request the following : 1. Verification of Debt : Please provide comprehensive validation of the debt, including the original amount, any interest or fees applied, and the chain of ownership from XXXX to XXXX XXXX XXXX to Credit Control , LLC. 
2. Documentation : Copies of any agreements or contracts that authorize Credit Control , LLC to collect this debt. 
3. Cease Collection Activities : Until this matter is resolved, please cease all collection activities and communication with me regarding this debt.

4. Credit Report Correction : Ensure that any negative information reported to the credit bureaus related to this account is corrected or removed, as previously assured by XXXX XXXX XXXX XXXX 

Please respond within 30 days of receiving this letter. Failure to provide adequate validation will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to protect my rights under the FDCPA and FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have an address that does not belong to me on my credit report. The following address does not belong to me ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want that address deleted from my account because it does not belong to me and any accounts attached to that address please.
Consumer complaint received 2022-12-15
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. (CA)

I am a victim of I Identity Theft. I have sent in FTC Affidavit relating to the XXXX XXXX and EQUIFAX data breaches with addresses, names, XXXX, and accounts that were not mine While waiting for remedy, a new collection from XXXX XXXX appeared in the mist of dispute showing a new account had opened. I never consented or knew of this debt. this debt was disputed previously deleted and has illegally reappeared as a new account. I have never consented nor ever had applied for account. 
FRCA laws and U.S.C 1681 states reaging and knowingly reporting inaccurates and fraudulant are a violations. to my consumer rights. 
Also the XXXX late payment showing from XXXX XXXX should been deleted for during the XXXX XXXX XXXX, credit agencies may not report adverse payments to a consumers report. I have spoken to bank and they updated to good standing but Credit agencies still showing incorrect and misleading info. 
I am requesting these acccounts to be deleted. 
XXXX XXXX XXXXXXXX {$2700.00} date opened XX/XX/2022 XXXX XXXX XXXX XXXX {$120.00} date XXXX XXXX XXXX XXXX paid off XXXX XXXX XXXXXXXX XXXX off XXXX XXXX XXXX XXXX  XXXX off XXXX
Consumer complaint received 2024-10-31
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. (MN)

It has come to my attention multiple Inquires were made without my knowledge. 

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 XXXXXX/XX/year> I have contacted both Experian and Banks and have reach no resolution.
Consumer complaint received 2024-10-31
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. (DC)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear TRANSWORLD SYSTEM INC, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that TRANSWORLD SYSTEM INC has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to TRANSWORLD SYSTEM INC to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law.

I demand that TRANSWORLD SYSTEM INC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting TRANSWORLD SYSTEM INC to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California.

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIRST FINANCIAL BANKSHARES, INC. (TX)

I can no longer access my account and i never received anything in the postal mail regarding the issues so i do not have an exact set of dates or transaction details to include. It was all this year, 2022. 

I know that my funds were low due to being laid off and having not started my new job just yet. The bank processed a transaction that I had initially asked them to refuse as it was a recurring payment i could not get the third party to quit charging me even though i requested my account cancelled several months in a row. The bank processed the payment, then kicked it back due to insufficient funds, then charged me {$35.00} for XXXX. I emailed and requested that the {$35.00} be refunded due to the fact that I had asked for that transaction be stopped prior to it ever hitting the bank. That request was never answered and then they let that transaction process through again, kicking it back again, and charging me another XXXX fee of {$35.00}. On top of the monthly service charges that had recently gone up and changed dependent upon your card usage they ended up closing my account because i was negative for too long ( less than a month ) and they say I owe them a little over {$100.00}. However, I disagree because I had asked for that payment to be stopped, i requested it to be stopped by the vendor, then by the bank because the vendor would not quit charging me. Now the bank is reporting it on my credit report, and I had that account with them for well over XXXX years. I had never left anything negative for any length of time, and I had never fraudulently reported transactions to get my money back. And they totally treated me as if i was a no nothing customer and not to be trusted or believed or worth reaching out to with a call to see what was going on. I literally had the same address and phone number the whole time I had that account, and someone could have reached out to address the issue prior ot closing account
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Sometime in XX/XX/2023 Bank of America ( BoA ) decided to close my personal checking account ( XXXX ) and credit card account ( XXXX ). Letters were mailed to my home address stating the checking account would be restricted in 21 days and closed in 30 days, whereas my credit card account was closed on the day the letter was sent. The only explanation I was given for the closure was that my risk profile no longer aligns with the banks risk tolerance. 

Nothing has changed in my personal or financial life over the past 12+ months. The only item I can imagine impacting BoAs decision is that I recently purchased a new car with an auto loan through BoA. The auto loan was for $ XXXX over 5 years and is well within my budget. I also sold my old vehicle for $ XXXX to a local dealership and deposited the check into my former BoA checking account before it was closed. 
Most importantly, I was told that my {$1200.00} in Cash Rewards that I had earned on my Cash Rewards World XXXX credit card ( XXXX ) will be forfeited. The rewards are still visible and available when I log in to my BoA account, but are unable to be redeemed. I have a remaining balance due on my last credit card statement and wish to redeem all of my earned Cash Rewards against the remaining balance or receive a check for the total value of the rewards. I have included a screenshot of my credit card account dashboard that includes the Total Cash Rewards balance. The screenshot is from XX/XX/2023. 

Ive called BoA and spoken to numerous individuals without any resolution. Ive been given no explanation for why both accounts were closed and have been told that my credit card rewards are no longer available. It would seem the Bank of America arbitrarily closed my accounts and prevented me from redeeming my earned rewards in order to avoid paying me {$1200.00}.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Dear CFPB, I am writing to file a formal complaint regarding inaccurate account reporting by XXXX related to my loans. The account numbers in question are : - XXXX - XXXX - XXXX - XXXX The loan agreement clearly states, You may prepay the unpaid balance at any time without penalty and maXXXX be entitled to receive a refund of unearned charges in accordance with law. However, XXXX has reported these accounts in a manner that contradicts this provision. 

Furthermore, the agreement specifies XXXX XXXX agreements or commitments to loan money, extend credit, or to forbear from enforcing repayment of a debt, including promises to extend or renew such debt, are not enforceable. To protect you ( borrower ) and XXXX XXXX from misunderstanding or disappointment, any agreements XXXX XXXX  and you reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between XXXX XXXX and you, except as we may later agree in writing to modify.There has been no follow up addressing that these terms had changed or agreement to a change of terms. 

I have attempted to resolve this issue directly with XXXX but have not received a satisfactory response. As a result, I am seeking your assistance in addressing this matter and ensuring that my credit report accurately reflects the terms of the loan agreement. 

Thank you for your attention to this issue. I look forward to your response.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.