davidheineman/consumer-finance-complaints-large huggingface dataset:
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 accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (FL)

XXXX was contacted by the Attorney General in their state in 2020 to do the following : XXXX ) not contact me about a school debt due to the pandemic. 
Additionally, I have received no correspondence from this company. 

The amount they claim I owe is exaggerated with over XXXX dollars in their fees and they are attempting to collect during a pandemic. 

They placed a collection on my credit report without communication with me. 

According to the Bureau of Consumer ProtectioXXXX their collection process is erroneous and XXXX must prove they have a right to : XXXX ) Add fees of their own to the payment believed to be owed XXXX ) Collect from a consumer with no job during the pandemic in the state of Florida. 

XXXX ) Attempt to collect any monies after the Attorney Generals office interrupted the process. 

XXXX ) Prove they provided documents to me from a letter they wrote to their Attorney XXXX office in 2020. 

If they continue to do illegal practices I will sue them in small claims court. Colleges and universities are canceling debt due to the 3 year pandemic. I certainly will not deal with bullying or discrimination due to my financial status. I will contact Help me XXXX and XXXX XXXX XXXX XXXX because this company conducted 5 plus soft pulls on my credit. This is harassment and illegal.
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. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

XX/XX/2022 I tried to see my credit report on XXXX and Equifax wouldn't let me see my free report. And also, on my XXXX app my credit score or credit report hasn't been updated since XX/XX/2022 for neither XXXX nor Equifax.
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-15
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. (MI)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 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. (TX)

I want to talk about the problem of an account that was mistakenly confirmed to be accurate on my credit report. No changes have been made, and the inaccurate data is still included in my report even after I submitted the papers that demonstrate the information is inaccurate. 

This inaction is a violation of 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), which requires you to remove or rectify erroneous information following a thorough investigation. I'm asking you to look into this again right away and either fix the information or take it off of my report.
Consumer complaint received 2024-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XXXX CREDIT ACCEPTANCE CORPORATION produced an agreement with defaults and flaws that are detrimental to the consumer. Full disclosure on a financed vehicle was obtained after an investigation by the consumer. The investigation revealed tax violations may be committed against my personal property. CREDIT ACCEPTANCE CORPORATION has refused to comply with my request for records that would validate the debt other than the signed agreement which does not reveal the forensic history or the activity off liquidation proceeds or liquidation expenses. No acknowledgement given to the valid security collateral instrument which allowed CREDIT ACCEPTANCE CORPORATION the luxury of accessing the Treasury on the consumers behalf but not to the consumers benefit. Seeking recoupment of all securities and interest entitled to. Power of Attorney notices have been sent to the legal compliance department in order to resolve the matter and settle the account pursuant to the instructions given to the fiduciary to manage the interest to offset all indebtedness on the account # XXXX. No full disclosure to opt out was given at any time by Credit Acceptance. They were instructed to cease and desist all false and damaging reports by email, phone calls and certified mail, all efforts were not complied with. I was told they would not cooperate on the basis of false information. A police report and Federal Trade Commission Identity Report has been filed against CAC in order for the matter to be investigated and resolved. Consumers are allowed to enforce complaints when violations infringe upon rights. Consumer has mailed certified mail an agreement that has been amended in parts to revoke all security interest and revoke all rights to repossess the vehicle. I also hold the company harmless via an indemnity agreement sent in order to resolve matters immediately. Credit Acceptance refusal to comply and remove all reported adverse items, cease and desist reporting and sharing of any and all information is a direct violation of the Fair Credit Report Act. 623 ( 15 U.S.C. 1681 s-2 ) mandates that furnishers of information provide complete and accurate information. Its also Identity Theft to continue reporting after multiple request to cease and desist the damaging actions. No adverse items are to be reported which is a violation. Not allowing a block on personal information is negligence and compliance, another federal violation.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Consumer complaint received 2024-10-16
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. (GA)

I am sure that you aware that current Federal case law states that, Consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed 1681 ( a ) ( 4 ). I have reviewed all three of my reports an noticed inaccurate information that I have asked to be verified an HAVE NOT been properly or formally notified which is against METRO 2 COMPLIANCE. They have NOT provided me, as requested in my first letter a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; 611 ( a ) ( 5 ) ( A ) ( a consumer contract bearing MY signature ) and under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act you are required to promptly DELETE all information which can not be verified. 

Account : XXXX. XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Experian : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX  : XXXX
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. (HI)

Subject : Request for Removal of Outdated Information Under FCRA Section 605 ( c ) Dear Experian XXXX, I am writing to formally request the removal of outdated negative information from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ). This section limits the time during which adverse items may be reported.

According to my records, the following account ( s ) should no longer appear on my credit report as they are past the allowable reporting period : Delete All Account Date of First Delinquency : XXXX Date ] Description of Negative Item : [ Late payment, charge-off, etc. ] As this information is now beyond the statutory reporting period of seven years ( or ten years for bankruptcies ), I kindly request its immediate removal from my credit file.

Please provide written confirmation that this information has been removed from my credit report. If you do not comply, I may pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
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. (WA)

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX, XXXX, 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 XXXX 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 2022-10-09
Product: Credit reporting, credit repair services, 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. (NC)

I have disputed with EXPERIAN XXXX AND XXXX SEVERAL TIME LETTING THEM KNOW I HAVE INQUIRIES LISTENED WITHOUT MY CONSENT, I did not give permission to inquire and I demand each one list be deleted immediately and pay {$1000.00} per fine per violation, they are listed belowXXXX XXXX XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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. (MO)

Upon checking my consumer credit report I noticed several UNAUTHORIZED inquiries on my credit report to which I did NOT EVER give consent to. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. & 1681i ), unverified inquiries must be REMOVED. Please investigate and remove any unverifiable inquires!

ACCORDING to The Gramm-Leach-Bliley ACT ( GLBA ) enacted in 1999, is a U.S. law that requires financial institutions to establish privacy policies and practices, including informing consumers about their information-sharing practices.

Upon reviewing my credit report, I noticed the following hard inquiries : [ XXXX  XXXX ] - XX/XX/XXXX [ XXXX XXXX ] - XX/XX/XXXX [ XXXX XXXX XXXX XXXX ] - XX/XX/XXXX Thank you for your attention to this matter. I look forward to your prompt response confirming the removal of these unauthorized inquiries. If you need any further information from me, please do not hesitate to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one has seized my account for XXXX loan. Stating I did not qualify, I sent all documents ( tax forms ect ). Please note this loan has already been repaid. I submitted repayment letter as well. Capital one stated the are closing my accounts and sending my personal money to lender in which is no longer owned. I qualified for LOAN and FORGIVENESS. With same documents and tax forms I submitted to capital one in which deemed unacceptable but XXXX deemed acceptable and repaid the loan. I have included proof of repayment to lender. Loan is done and over with. In which I fully qualified for anyway!
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (WA)

Hello, My name is XXXX XXXX and I am having a problem with Freedom Mortgage Corporation located in New Jersey. In XXXX I obtained a loan with XXXX XXXX XXXX XX/XX/XXXXlocated in XXXX, Washington. I'm hoping to get to attach page XXXX of the related Deed of Trust. In XXXX the loan was purchased and assigned to Freedom Mortgage Corporation. I'm hoping I can attach the Assignment. Around XXXX I paid of the loan balance in its entirety. The XXXX XXXX department at Freedom Mortgage has these documents because I faxed them both to them at XXXX I am now in the process of selling the property that this loan was secured to, but am unable to do so because Freedom Mortgage Corporation never reconveyed the Deed of Trust, so their lien still shows on the property. 

The title company XXXX working with, XXXX XXXX XXXX, XXXX located in XXXX, Washington, and I have had several calls with Freedom Mortgage attempting to get them to help us. The closing on the property has been delayed and the transaction is at risk of not closing. Prices are dropping in the real estate market every day. If this deal collapses, the property will likely not sell for as high a price as it would if it closes now. 

Freedom Mortgage is unable to locate the loan number and therefore does not want to address filing a reconveyance. I was just on the phone with them for over an hour with XX/XX/XXXX XXXX XXXX XXXX. My old loan does not show up in their system. Logically, if I have provided them the assignment of the loan to Freedom Mortgage that they recorded with XXXX XXXX, and I do not have a loan balance showing up in their system, the loan must have been paid. Unfortunately, when the loan was paid they did not bother recording a reconveyance. The have told me that their records from that time period have been purged and my old loan does not show up in their system. 

I need Freedom Mortgage to record a reconveyance with XXXX XXXX before the proposed buyer of my property walks aways from the transaction.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (GA)

My Account number with General Motors Financial is XXXX. My name is XXXX XXXX. GM Have been reporting my account to the credit Bureaus as late but actually my payments have not been late. In the year of XXXX of XXXX and XXXX of XXXX, I was given a deferment on those two months I paid a fee to have those payments put to the end of the payment book. The customer service representive informed me that a payment will not be due until XXXX of XXXX. She in formed me to pay before or on XXXX of each month if not would be reported late to the credit bureaus.. All of my payments have been paid before or on the XXXX of each month but still Gm is reporting account as late.I do not understand because this is what the customer rep told me.Due to the inaccurate reporting my credit is suffering bad.Thank you very much for your help to resolve this matter. The mix up occurred when I got the two payment defered I think or my payments are posted at a latter date. Thanks.