davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

My wife and I entered a lease agreement on XXXX XXXX, 2021. We leased the vehicle at XXXX XXXX XXXX in XXXX XXXX XXXX Florida. We were told at the time of the lease that XXXX XXXX XXXX  ( XXXX  ) would be handling the lease process. XXXX  is named as the Lessor on the agreement we signed. We later learned that the incorrect address was entered on the lease agreement. We learned this when we received our plate and registration. We called to dealer and the State of Florida to update in XX/XX/2021. 

We tried calling XXXX  and they told us they had no record of the lease and said it may take time for the lease to be entered in their system. So we waited. The dealer told us they fixed the address on their side. 

Since the address was incorrect and the Lessor name where both incorrect on the lease agreement we did not receive any correspondence from the Lessor. It was not until a late payment notice went out to XXXX  that we learned another company may have our lease. We contacted the dealer to find that XXXX  was not the Lessor, but XXXX XXXX XXXX. 

We called and explained the issue to Mazda saying : 1. The address was incorrect on the lease. 
2. The Lessor info was incorrect on the Lease Agreement. 
3. Mazda  maintains they called but where unable to leave a message. This can not be true since the number they have on file is a work number. This VM is monitored regularly. 

We corrected the issues as soon as we knew the parties. We asked that Mazda  remove the late payment submission to XXXX. They said we would need to file a complaint. 

We are only asking that Mazda remove the negative information from our bureau reports. This reduced our credit score by 89 points and ruins a blemish free 7 or 8 year track record. 

Does Mazda not conduct even basic due diligence on their new consumers prior to entering a relationship? I understand this due diligence is an industry best practice. A simple look up of our information on any public records database would have revealed that the address was incorrect. In fact a typo had been entered from XXXX  ( correct address ) to XXXX  ( incorrect address ). Would they not have done any due diligence when the first payment was late? 

The incorrect address is an address that does not exist. This means that USPS would have returned the mail as undeliverable. Again a simple look up of our information would have revealed the incorrect information had been entered. Would they have not called the numbers listed on the agreement? Or made attempts to contact me? 

Since the Lessor info was incorrect we had no avenue to get this info updated. 

Please feel free to contact me directly at XXXX or XXXX XXXX
Consumer complaint received 2023-04-05
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. (PA)

I am writing to file a complaint regarding inconsistencies, inaccuracies, missing information, and credit bureaus not performing proper investigations on several accounts on my credit report. I have attached a copy of each account and screenshot of my credit report Upon reviewing my credit report, I have found several errors that are negatively impacting my credit score and financial well-being. Specifically, I have identified the following issues : Inaccurate information : Some of the information on my credit report is inaccurate, such as incorrect account balances, dates of delinquency, and payment history. 

Missing information : Some accounts that I have closed or paid off are not listed on my credit report, which is preventing me from demonstrating my creditworthiness. 

Inconsistencies : There are inconsistencies in the way my personal information is presented across different credit bureaus, which is causing confusion and potential identity theft risks. 

Improper investigations : Despite disputing some of the errors on my credit report previously, the credit bureaus did not perform proper investigations and have failed to correct the inaccuracies. They have violated several FCRA laws and they were not fair in their investigation and reporting. 

These errors are impacting my ability to obtain credit and are potentially causing harm to my financial reputation. I have attempted to resolve these issues by contacting the credit bureaus directly, but I have not received satisfactory responses. 

I am requesting that the CFPB investigate these issues and take appropriate action to ensure that the credit bureaus are held accountable for their actions.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Wrongly denied my fraud claim ( XXXX ) thereby not refunding {$3300.00} denied my appeal as well. I DID NOT MAKE THOSE PURCHASES! NEED MY $ BACK i NOTICED THERE WERE CHARGES I DID NOT MAKE ( AND AT STORES iVE NEVER SHOPPED ) SO I FILED A CLAIM ( XXXX - {$3300.00} ). IT WAS DENIED AND WENT UNPAID/NOT REFUNDED. I APPEALLED AND IT WAS AGAIN UNPAID/NOT REFUNDED. THE CHARGES WERE FROM STORES IVE NEVER SHOPPED OR EVEN BEEN TO. THEY SAY BECUASE OF THE TIMING OF THE PURCHASES AND THE FACT i LOGGED ON A FEW TIMES BEFORE REPORTING THAT THEY DENIED MY CLAIM. AS FAR AS THE LOGGING ON, I DO USE XXXX AND I HAVE MORE MONEY IN MY ACCOUNT THAN IM USED TO AND DIDNT NOTICE AT FIRST. THE FACT IS I DID NOTICE AND i DID NOT MAKE THESE PURCHASES, AND i REPORTED WITHIN THE TIMEFRAME THEY STATED IN THE LEGAL PRINT. WHAT GOOD IS A DEADLINE IF THEY SHORTEN IT ARBITRARILY. I JUST CANT BELIEVE THEY ARE DOING THIS DURING THE HARDSHIP WE ARE GOING THROUGH. I NEED MY MONEY BACK. BANK OF AMERICA, PLEASE STAY TRUE TO YOUR WORD AND REFUND THE FRAUDULANT CHARGES TO MY ACCOUNT.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 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 2019-03-20
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. (IL)

My account was transferred to XXXX XXXX on XX/XX/XXXX. There was a issue with the payment amount listed on my account in relation to my escrow analysis report. A new report was requested and the payment amount was adjusted. After sparking to multiple representatives from XXXX XXXX I was told to make the payment of the lower amount that my new escrow analysis report displayed. I did as instructed but had to file a complaint with CFPB because proper account adjustments were not made by XXXX XXXX. XXXX XXXX responded to the complaint and acknowledged their mistake and accepted the amounts, applied credits and informed me that the only amount due was the XXXX XXXX, XXXX payment. Furthermore I was told by a XXXX XXXX supervisor that the RESPA rules protected me for 60 days from the date the account was transferred over, to help the consumer with situations that may occur during transitions like these. Therefore I would have been protected until XXXX XXXX, XXXX and would not be in danger of negative reporting until 30 days after that date or XXXX XXXX, XXXX. My payemtn was paid on XXXX XXXX, XXXX and XXXX XXXX still reported my account 30 days late.
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Collection Systems, Inc. (FL)

Hi, I contacted National Credit Management in regards to my debt on my credit report. I havent heard or seen anything so I was in total shock. I wanted to resolve this as soon as possible. I called NCM tonight at XXXX PM and spoke with XXXX. She couldnt hear me, as I explain my concerns when she answered. So she hung up. I then called back and she answered. She disclosed debt information prior to verifying any information. She stated the mini Miranda but only this is an attempt to collect a debt Being a previous debt collector I know as a third party collector they have to say this is an attempt to collect a debt and any information obtained with be used for that purpose, this communication is from a debt collector. She did not state that at all. I want this completely removed from my credit and waived. She violated FDCPA.
Consumer complaint received 2022-08-15
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. (MO)

This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$1500.00}
Consumer complaint received 2022-02-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
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. (NC)

In Accordance with the Fair Credit Reporting Act XXXX Account # 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. 

XXXX XXXX ..Acc # XXXX XXXX XXXX XXXX ..Acc # XXXX XXXX XXXX XXXX..Acc # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-02-04
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. (CA)

The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX )
Consumer complaint received 2022-04-12
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. (CA)

n accordance with Fair Credit Reporting act XXXX The 8 accounts listed below has violated my rights 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-15
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (NC)

As of XX/XX/XXXX, we have received credit alerts and mail ( via USPS ) indicating that Equifax has again reduced our credit rating by almost 200 points as a result of a report from XXXX XXXX XXXX. The report, if truly filed by XXXX, is not true. Also, we can not resolve the dispute with Equifax as their document upload function is not working and we can not get a response via their phone number given on the letter. 
I am attaching the letter from Equifax, a snapshot of the XXXX  XXXX XXXX account page showing the car loan was completely paid off ( and paid off early ) in XX/XX/XXXX, refunded to XXXX  XXXX XXXX in early XXXX, disputed with XXXX and XXXX  XXXX XXXX for weeks, and finally resolved with another payment from us in XX/XX/XXXX. We filed complaints with both XXXX and XXXX  XXXX XXXX, and wtih the CFPB, about their behavior in the original payoff nightmare. NOW, we are filing a complaint against Equifax for, once again, reducing our credit score for a false report, whether it originated at XXXX or not, we can not determine.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I had learned that my credit rating had fallen from XXXX to XXXX because my bank reported that i had not made two payments. The payments were XX/XX/XXXX and XX/XX/XXXX. I went to my bank online and down loaded the statements showing both payments were made and I uploaded them to the credit bureau to challenge the inquiry. I was informed by the bureau, that they did question the bank with my statements but the bank simply reported that there originally statement was correct. The credit bureau stated that there was nothing they could do. I went to my bank and question it and the new bank manager stated that she did not do this, it must of been done by down town branch. I called them and they stated that they reported it because my credit loan note came due and it was delayed refinancing the note. This to was not my fault. I new my note was due in XX/XX/XXXX and I started working on refinancing the note in XX/XX/XXXX. I can show you a history of my emails back and forth with the bank giving them all the information needed to redo the loan. Well, the bank manager ended up leaving and the existing manager had a slow start. Basically i felt like we had to start all over again. Even my accountant question why he had to repeatedly send the same information over and over again. I feel like the original bank manager drop the ball and really did not care, she could of finish the job. but in her last several weeks was pretty much like a vacation, nothing got done, while the new manager was still working full time at her previous location and then between locations, she didn't really have a chance until she was full time in XXXX XXXX NC. I feel like the bank was going through time management problems between the bank managers and punishing me for it.
Consumer complaint received 2022-04-12
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  Reference # XXXX, XXXX XXXX XXXX account 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.
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

While we were out of town at a wedding, we had an issue with our HVAC. The condenser in the attic flooded the office and guest bathroom and hallway. 

Luckily, we were insured by XXXX  XXXX  XXXX  XXXX  XXXX  # XXXX. There are mediation specialist told us there was at least {$10000.00} worth of damage, unfortunately after our {$2000.00} deductible, we were issued a check for {$1600.00} ( after over a month, with ceilings ripped out and insulation blowing around ).

Honestly, we were just thrilled to get anything so we could afford to make the house habitable again. I belong to XXXX  XXXX  XXXX XXXX, and they somehow manage to hold off the checks I deposit for 10 days, business days. 

As the check was written on Wells Fargo, I went there to cash it on XX/XX/XXXX. They refused. In the interest of full disclosure, the check was written out to my partner and I, who are co-owners of the house. The teller told me I would have to come back in on Monday with my partner. I suspect if we were a straight couple, it wouldve been less of an issue. 

Nevertheless, on Monday XX/XX/XXXX, my partner and I arranged for lunch times to go over to Wells Fargo. They again refused to cash the check that was drawn on them!!! 

They went on to tell us that even if they were willing to cash it, there would be a XXXX dollar check cashing fee. When did banks XXXX XXXX XXXX XXXX hold our money hostage? 

There is nothing about the situation that I am OK with. If I couldnt cash the check, which the teller had on Saturday, she should not have told me I had to come in on Monday with my partner. And when my partner and I went into cash the check, they shouldve cashed it. Also the insurance company pays for that account, they should not be extorting more money out of me.
Consumer complaint received 2022-06-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MI)

In accordance with the Fair Credit Reporting Act, XXXXAidvantage has violated my federally protected consumers rights. on the following dates XXXXAidvantage has reported my student loans as late : XXXX XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, & XXXX I was in forbearance on these dates, At the time the Reps informed me that my forbearance would be retro back to my fist late and that i shouldn't have any late payments reporting.
Consumer complaint received 2023-04-05
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. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies Experian, XXXX, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX