davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-03
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. (AR)

In the year of XX/XX/XXXX, I had a problem with XXXX when someone opens a fraudulent account with XXXX which I disputed in that year. Two years later I received an email stating to apply for XXXX XXXX through XXXX XXXX, which was later granted. After having the account almost two years XXXX requested that I send my drivers license and SSN number and uploaded it up on their site through their resolution center which I did, which two emails came in the year of XXXX XXXX XXXX, and XX/XX/XXXX, which I still have both emails. After uploading both DL and SSN XXXX change my taxpayer identification number on XX/XX/XXXX. After constantly battling my identity theft and fraud since XXXX with the Federal Trade Commission reference number XXXX and other related matters with my identity since XXXX constantly fighting for my identity as well as my daughters ' identity, which was changed in the year of XXXX when I worked for XXXX XXXX XXXX. The issue is now is that XXXX has put the account on my credit report after changing my Taxpayer Identification number in the year of XXXX, which XXXX requested the information when I applied they should have already had my SSN number, my other creditors have not to ask to do such a thing as updating my information with my DL and SSN.19 years is a long time to fighting for my identity with the same old issues over and over.I have filed a claim with XXXX  Data Breach . All three have placed this on my credit report after changing my taxpayer identification number on XX/XX/XXXX, XXXX want all to remove this merchant from my credit report because I have the letter where XXXX XXXX denied the opening account in my name in XXXX of XXXX, which I have credit monitoring services XXXX and other credit monitoring services. Which now XXXX stated that I have applied in XXXX of XXXX, which I have not applied and there are no inquiry on any of my credit reports for an application with XXXX in the month of XXXX along with a fraudulent address, which I disputed that address but it stills appears to be on my credit, report which I want it removed.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with 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.

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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-15
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)

I am writing to formally report that I am a victim of identity theft. Enclosed with this letter, you will find a copy of my identity theft report, as well as copies of my drivers license and Social Security card, which serve as proof of my identity. Additionally, I have included documentation verifying my current address. 
After reviewing my credit file, I discovered several accounts that do not belong to me and are not related to any transactions I have made. This situation has caused me significant distress, and I am requesting your immediate assistance in addressing this matter.

I kindly ask that you place an immediate block on the following fraudulent accounts in my credit file withi

n four days of receiving this correspondence. This is not merely a regular dispute ; I have filed a complaint with the Federal Trade Commission to document my status as a victim of identity theft. In accordance with sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act, I am requesting that you delete and block the following fraudulent accounts from my credit file : XXXX ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX XXXX XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX XXXX ACCT XXXX XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT )
Consumer complaint received 2024-12-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION (GA)

Subject : Complaint Regarding Deceptive Mortgage Practices by AmeriSave Mortgage Corporation My wife, XXXX XXXX, and I, XXXX XXXX, applied for a {$600000.00}, XXXX fixed mortgage loan in XX/XX/XXXX through XXXX XXXX XXXX XXXX Originator ( XXXX  ID # XXXX ) at AmeriSave Mortgage Corporation XXXX XXXX ID # XXXX ). 

XXXX XXXX insisted we pay an additional {$500.00} fee to guarantee the loan amount and lock our interest rate, assuring us this amount would be reimbursed or applied to closing costs. We complied with his request. 

Throughout the process, XXXX XXXX behaved unethically, misleading us and altering the loan application multiple times. Ultimately, the guaranteed {$600000.00} mortgage loan was denied. 

This experience caused significant stress to my wife, leading to XXXX and XXXX XXXX XXXX XXXX  in XX/XX/XXXX. We are deeply concerned about AmeriSave 's deceptive practices, including collecting fees for services not provided and making false statements about their ability to offer loans. 

Since XX/XX/XXXX, we have repeatedly requested reimbursement of our {$500.00} fee from XXXX XXXX and AmeriSave, to no avail. 

We have attached all relevant communications with XXXX XXXX and AmeriSave, including text messages and emails, to support our complaint. 

We seek immediate resolution of this matter, a full refund of our {$500.00} fee, and mental, physical, and emotional damages compensations. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX for XXXX XXXX : AmeriSave Mortgage Corporation XXXX XXXX, XXXX XXXX, XXXX, MI XXXX Phone : XXXX Fax : XXXX Email : XXXX Website XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The dates are reporting different on my credit report XXXX account # XXXX XXXX15 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-15
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)

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists Credit card account # XXXX opened at XXXX on XX/XX/XXXX, Credit card account # XXXX opened at XXXX XXXX on XX/XX/XXXX, Credit card account # XXXX opened at XXXX XXXX  on XX/XX/XXXX, Credit account XXXX opened at XXXX XXXX XXXX XXXXXX/XX/XXXX, credit card # XXXX Opened at XXXX XXXX ON XX/XX/XXXX, Credit account # XXXX opened at XXXX XXXX  on XX/XX/XXXX, Auto lease account # XXXX opened at XXXX XXXX on XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-14
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)

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at on XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ) with a balance of {$150.00}, an account opened at XXXX  that was opened XX/XX/XXXX under the account number ( XXXX ) with a balance of {$180.00}, and a another credit account opened with XXXX on XX/XX/XXXX, XXXX under the account number ( XXXX ) with a balance of {$220.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-01-06
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. (NJ)

Inconsistent reports that never reflect the truth. Dates, amount due, and delinquency constantly changes. My credit score will fluctuate by almost XXXX points in a day.
Consumer complaint received 2024-10-15
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by 24 hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. 
System Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. 
Incorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. There was no valid reason for the assignment of a late fee or the reporting of this late payment, and I have attached payment receipts that show consistent payments for the past two years.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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. 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2021-11-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus is reporting inaccurate information on BANK OF AMERICA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % correct or the information must be removed. Correct this reporting by making a revision of the information provided. Change and proceed with any corrections or eliminate this from my personal file.
Consumer complaint received 2021-09-10
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. (IL)

XXXX XXXX {$650.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX, XXXX XXXX  {$9500.00} XX/XX/XXXX, XXXX XXXX XXXX {$5800.00} XX/XX/XXXX, XXXX XXXX XXXX {$950.00} XX/XX/XXXX, XXXX XXXX XXXX {$400.00} XX/XX/XXXX, XXXX XXXX  {$220000.00} XX/XX/XXXX, XXXX XXXX  XXXX {$220000.00} XX/XX/XXXX, XXXX  XXXX/XXXX  {$220.00} XX/XX/XXXX, XXXX XXXX/XXXX  {$400.00} XX/XX/XXXX. I have reached out to each individual creditor listed above letting them know that I have never opened, used or applied for any of these accounts. I have filed an ftc report and they refuse to remove them.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a Capital One Secured card in XXXX and paid them a deposit to add to the account. I was XXXXXXXX XXXX XXXX at the time and preparing to move residences. I had a hold mail request that was to have all mail held by the USPS carrier, but once I was released from the hospital the mail was not available at the local post office. I have a claim with USPS, and they ended up forwarding mail to my new address as of this week. I tried speaking with customer service people with Capital One multiple times to not only cancel the original card but also issue a new one to me at my new address.

As part of this process, Capital One requires a ridiculous amount of Identity checks to resolve the issue. When calling Capital One it takes at least 30 to 60 minutes of hold time to simply get a human being to work through the issue. I worked with two different representatives who had me utilize a link to upload a copy of my State-issued ID. I did this in real time, but for whatever reason they would not confirm me. Their automated system makes decisions and would not recognize me. What's crazy is I then escalated and simply wanted my money back to only be told it will take up to 90 days. 

How can it take 90 days when I sent it in an instant and why can't Capital One simply figure out the issues? The customer service representatives are in a XXXX or other call center and simply are not equipped to handle this issue. I can not deal with this with my health and just want my money back at least. I tried to escalate with supervisors and management, but these people just don't care and refuse to work through the issue. I regret even giving them my money at this point. I can't even get a call back from this company. 

This is what's wrong with XXXX. A lack of proper controls and customer service. It is considered theft when a company has these sorts of ridiculous practices.
Consumer complaint received 2021-07-13
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. (FL)

I just check my credit through experian 's website and i noticed two fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.