davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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. (OH)

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later and I have yet to receive a response. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (CO)

Dear CFPB, I am filling a complaint regarding unresolved issues with my credit report. 
On XX/XX/year>, I submitted a formal dispute to the credit bureaus addressing numerous inaccuracies and unauthorized inquiries. Despite 31 days passing i have yet to receive any acknowledgment or resolution, These inaccuracies, including falsely reported collections, have led to service denials and increased interest rates, impacting my financial well being and my ability to secure essential funding for me, my business and life goals. Despite multiple attempts to dispute these items, i have no received adequate verification. And I will also mention that the items listed negatively that i am disputing are falsely reporting.

According to section 611 ( a ) of the FCRA, the credit reporting bureaus are require to address the disputes within 30 days. Since this has not occured, I am demanding the immediate removal of the inaccurate items from my credit report. 

The failure of the credit bureaus to respond promptly has caused significant harm as well as their falsely reporting of information. I am prepared to purse legal action if the issue remains unsolved. 

Thank you for addressing this matter promptly. 

XXXX XXXX
Consumer complaint received 2024-10-17
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. (TX)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$100.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2020-03-23
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. (FL)

XXXX  ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$440.00} on the XXXX XXXX partial account number XXXX and also a charge-off in the amount of {$900.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These ( 2 ) accounts with XXXX XXXX were fraudulently opened. I do not now, nor have I in the past, had any accounts with XXXX XXXX. I never gave permission, nor did I ever authorize these accounts to be opened. This false reporting of charge-off accounts that do not belong to me is seriously harming my credit score and  these line items need to be deleted. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (CA)

Monday - XX/XX/2020 -Downloaded the Experian credit boosting Application to try and improve my credit. 

-Linked up XXXX  XXXX XXXX account to allow Experian access to retrieve payment history information. 

Account was immediately hacked and two different fraudulent charges were posted to my account while going through the initial process.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am writing to address inaccuracies found in my recent consumer report concerning late payment entries on accounts that have been consistently paid on time. The specific accounts are XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX : Account # XXXX, According to the Fair Credit Reporting Act, it is essential that all information reported is accurate and truthful. I have never missed a payment on these accounts, and I did not authorize any reporting of late payments. I am requesting a detailed investigation into these errors. Please provide documentation to substantiate the reported late payments and any records showing my authorization for such reports. If this documentation can not be provided, I expect the records to be corrected to reflect my accurate payment history of " on time. ''
Consumer complaint received 2020-03-23
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. (UT)

Experian & XXXX  are reporting an erroneous collection on my credit report for XXXX XXXX XXXX - XXXX - I never received one notice regarding this debt, it just showed up on my credit report. This was paid
Consumer complaint received 2019-06-17
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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (NV)

I was in a auto accident in XXXX of XXXX I was rushed to the XXXX XXXX XXXX anyhow the car was deemed a total loss. My insurance company took time paying off the balance of the loan plus I had XXXX and, Did make payments. I filed a complaint on XX/XX/XXXX with CFPB XXXX Bridgecrest sent a letter and, attached that same letter to complaint XXXX stating they were going to report to all major credit bureaus with 0 30 0 60 0 90 paid and, closed, and they did due that for one month only and, as, soon as the CFPB complaint was closed bam they reported same negative that they removed to my credit report
Consumer complaint received 2024-10-10
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-06-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I have a mortgage with Franklin American. They raised my mortgage payment XXXX $ a month because they miscalculated my taxes and escrow account after paying on time for a year. They have refused to take partial payments or full payments. 
I have been trying to work with them and pay what is owed and they are being unreasonable. My most recent of many interactions was on the phone with XXXX XXXX ( XXXX ) on XX/XX/XXXX. I was told that the reinstatement amt was XXXX $ and had to arrive by XX/XX/XXXX. A bank check for that amt was sent to XXXX XXXX XXXX. XXXX NJ XXXX ( the address that I was given ) on XX/XX/XXXX. I have received the bank check back and was told the it was not enough money. There is a stamp on the check for XX/XX/XXXX that was not from the bank or me. Now they are telling me that I have to pay their attorneys fees on top of the other fees that I owe which are over 1500 . I now have a mortgage of XXXX $ a month from XXXX $ a month. I am a single mother of XXXX young children. I would have NEVER signed a mortgage for that amount as I can not afford that. I have actually spoken to a few people that have bought houses in XXXX and this has happened to all of them. Every person that I have talked to has had their mortgage go up by at least 400 $ for the same exact reason. Why are Mortgage companies putting people in homes that they can not afford again. Franklin American has refused to work with me every time I have tried. They have not accepted any payment that I have attempted to make. They just want my house back. It is disgusting. I am a XXXX XXXX XXXX XXXX. If I gave patient care the way they run that financial institution patients would XXXX every day. I am responsible for knowing my job and treating people appropriately. They should also be responsible for their mistakes. 

Most of the Communications were by phone as they told me they do not email communication. They did initially tell me that they would email me and that never happened. When I called back to ask the next agent told me they do not do email communication.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

LexisNexis ( LN ) did not inform XXXX of there findings in which resulted XXXX to report incorrect information. I am requesting to update XXXX of the updated information.
Consumer complaint received 2024-10-21
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. (WA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-17
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. (MD)

I disputed addresses that ive never lived at and also debt collections as following : XXXX debt {$1900.00}, XXXXXXXX XXXX ( late payments ), XXXX XXXX XXXX with a balance of {$4700.00} which is a high balance to leave on my credit after disputing multiple times confirming this is not my debt, i asked for proof, experian and XXXX decided to tell XXXXXXXX XXXX  to send me a email of my name and the debt, that is not the proof, under the fair credit reporting law i can reqest proof of the orignial contract with my signature proving this debt is mines, the other two debts i also asked for that proof and all experian is doing is updating my dispute with a note saying " verified " but no PROOF. This is against the law and ive disputed these debts for inaccuracy over 4 times. and experian just keeps on giving me the same answer with no proof. Please remove off my credit because the time has passed on these debts to prove what i asked for. XXXXXXXX XXXX management is another one from XXXX i asked for proof of the original contract, i am not the owner of these debts and if they can not prove it. According to 15 usc 1692 G, full detail list of payment history of all disputes, original signature on the contract i agree too, also has their been any insurance claim found on this debt and lasty i want to see the chain of title that experian and XXXX has to collect on this debt. I need both credit agencys to respond asap. This has been disputing over the statue of limit in XXXX
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I tried to get a copy of my credit report on-line at annualcreditreport.com but it would not let me. I mailed in a paper request to Transunion with the required documentation. They never responded and I never got a copy of my report. I also wrote to them in XX/XX/2016 to ask them to put a fraud alert on my account. I never received a response.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. 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. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I request an immediate and thorough reinvestigation of these items. These inaccuracies are severely damaging to my credit rating.

1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. Please explain how you verified there was a late payment in XX/XX/XXXX when there never was. 
XXXX  XXXX Account Number : XXXX If unable to explain how you verified this late payment then please update to paid as agreed never late. 

XXXX. Under 15 USC 1681c1. Identity theft prevention fraud alerts and XXXX alerts XXXX Account Number : XXXX Please delete immediately. 

XXXX. Please provide your method of validation on how you validated this account when it is CLOSED and a COLLECTION account reporting a balance. 
XXXX XXXX XXXX Account Number : XXXX If unable to explain your method of validation then please DELETE immediately. 

XXXX. Under 15 USC 1681c1. Identity theft prevention fraud alerts and XXXX alerts XXXX  Account Number : XXXX Please delete immediately. 

XXXX. Under 15 USC 1681c1. Identity theft prevention fraud alerts and XXXX alerts XXXX XXXX Account Number : XXXX Please delete immediately.
Consumer complaint received 2020-03-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Purchased vehicle on XX/XX/2020. During negotiations we repeatedly told the sales person we did not want to pay more than {$400.00} a month, he kept trying to get us to budge and we stated no time and time again. We finally agreed on {$400.00} a month with a 75 month term. We meet with a woman in finance to sign paperwork, the only thing she verbally tells us is that we were approved. She did not tell us the terms - this includes the APR, how many payments ( months ), or what the payment will be. She presents us paperwork and points  where to sign, and then gives us a digital keypad and tells us to sign. I found it odd that nothing else was ever discussed regarding the loan terms, but my husband was getting this vehicle under a sensitive nature and I did not want to intervene, I assumed the negotiations had already been discussed so it would be fine. We received a generic packet in the mail that had our account number so I was able to open our account online to pay the bill and this where we learned our monthly payment was higher than we discussed. Right away my husband called the dealership to discuss, he first got the sales person we worked with and he referred us to the finance person, my husband left a message on their voicemail. We did not hear back. My husband called two more times and did not receive a response. I wrote a review on XX/XX/XXXX on XXXX and a couple of other sites and then finally someone contacted us, but even then they write I am sorry we were unable to find you in our database - my first and last name was listed, are co-signers not in the databases of XXXX? It felt like they were trying to make my review look less legitimate. I wrote with someone via XXXX messenger and after a few attempts and messaging with several different people over who would help me and a day later the finance person spoke with my husband and basically said what we discussed with sales was only ballpark and we signed paperwork and there was nothing she would do for us. We did not find this answer acceptable and I wrote Toyota corporate XX/XX/XXXX, XXXX, XXXX and XXXX - the first two times they responded someone would be in touch, the last two there has not been a response. I have backup emails and messages from XXXX  along with my previous written reviews. Deeply disappointing experience and we find in upsetting that no one is even trying to resolve it with us.
Consumer complaint received 2024-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-17
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Called XX/XX/XXXX ( Portfolio Recovery Associates ) to inquire about an account and amount reflected on my credit report. Representative said she would transfer the correct department. Transferred Representative stated that he was in the " Litigation Department. '' Confirmed account information, and stated that " my account has NOT been reviewed by an attorney. '' Then asked whether I was calling to make a payment. I asked him, what do you mean " it has NOT been reviewed by an attorney. '' Then representative stated - " I apologize in advance, the account has been reviewed by an attorney. '' I asked him to provide me with the attorney 's name. The representative declined. After I asked to speak with supervisor, he restated the same information, and warned me that the case has been filed in XXXX, GA. I asked by whom. He again refused to disclose name. Transferred me to supervisor, and supervisor explained more misinformation and finally provided XXXX names of attorney 's along with their state bar license numbers. 

I never had any contractual obligation with Portfolio Recovery Associates, and I believe that this company is making representations that I have in fact had a prior relationship with them ( " last time you paid on the account was XXXX '' ). However, the company purchased my information XX/XX/XXXX, and attempting to blemish my reputation and file erroneous information to courts of law. I believe Portfolio Recovery Associates to be in violation of the Due Process Clause of the 14th Amendment to the United States Constitution, Fair Debt Collection Practices Act, and Unfair, Deceptive and Abusive Acts/Practices ( Dodd-Frank Act ).
Consumer complaint received 2024-11-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IL)

my CD purchased through the XXXX XXXX matured on or about XX/XX/year> for $ XXXX and the funds were credited to my checking account on XX/XX/year>. 
I requested a copy of the Original CD ( XXXX ) from both the local branch as well as Customer Service XXXX XXXX XXXX. I called Customer Service on 3 different times as well as physically going to the branch for assistance. 

In none of the 4 attempts was Harris will to provide Records of this CD and any record of the maturing of the CD. Another lender was asking me for documentation of the CD in relation to a mortgage application. This is clearly a Records Rentention violation. No one in BMO Harris was willing to assist me. 

I demand documentation of the original CD as well as documentation of th

e CD maturity. I am also demanding financial compensation for the more the 4 hours was
ted dealing with BMO Harris.