davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (CA)

I was XXXX XX/XX/XXXX to XX/XX/XXXX in XXXX, XXXX, XXXX XXXX and my military star card account have fraudulent charges from carpets, novelty merchandise, and jewelry I reported it to the PX manager and they replied : they will investigate the vendors from the base and they will take the necessary adjustment. I got home and there are no notes or complaint I made from the incidents. I took steps from my chain of command to complain everything but AAFES never consider investigating. They have taken multiple of my tax returns and still no avail of remedy. I have been the victim of fraud and still no solutions for the injustice. Can you please let me know how to resolve this difficult tragedy. I have no more income and only depending on my XXXX. Soon they will garnish it.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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. 


XXXX EXPERIAN XXXX 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! 


Update the late payments from my consumer reports
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I signed up for a TransUnion credit report on Monday, XX/XX/2020 which I thought was free but evidently was not. I was charged a whopping {$27.00} for a report that I can receive completely free over at XXXX.
Consumer complaint received 2023-02-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO. (GA)

I have a Ford Credit ( XXXX XXXX ) lease that is ending XX/XX/XXXX. The vehicle in question is a XXXX XXXX XXXX XXXX with very low mileage. 

Due to the equity I have in the vehicle, I was attempting to sell the vehicle to XXXX XXXX XXXX ( GA ) on XX/XX/XXXX as they were interested in paying above the buyout/purchase price of the lease. Everything was going fine until the dealership spoke with Ford Credit and informed the dealership they could not purchase the vehicle because I was within an undocumented period known as the " 120 Day Rule. '' I spend almost an hour on the phone with Ford Credit this afternoon ( XX/XX/XXXX ) and not a single person was able to help in the matter. I spoke with XXXX representatives from Ford. It turns out the " Lease End '' department is not even available on weekends, making the situation and cost even more excessive for customers. 

Apparently, Ford Credit will not allow allow a lessee to sell the vehicle to the dealership within 120 days of the lease end date. This policy is nowhere documented on the lease terms. Most Ford dealerships are not even aware of this policy from Ford Credit. 

The only option I have at this point is to buyout the lease myself, and then wait 30 days to receive my title ( assuming all goes smoothly ) and then hope I'm still able to sell the vehicle. To make matters worse, the dealerships are charging excessive Documentation Fees to lessees who are buying out their leases. In the case today of Autonation, they wish to charge me a {$690.00} documentation fee on top of the lease buyout price. And because I would be forced to first buyout the lease before I can sell the vehicle to the dealership, I would need to pay tax to the state of Georgia, register the vehicle, pay tag fees, all before I turn around and sell the vehicle. 

If Ford Credit was being transparent in their terms, I would have attempted to sell the vehicle at 121 days out from the lease, but now that I am within the undocumented 120 period, I am stuck. And to make matters worse for me, I have already purchased another vehicle, so I am now stuck with 2 vehicles. I will have to take approximately {$18000.00} out of pocket to buyout the lease, I will need to pay auto insurance on both vehicles, I will need to pay titles/tag fees, and hopefully I can sell the vehicle when this is all over.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (SC)

In 2014 I was at an apartment and I was ending my lease, I contacted the Electric company " XXXX XXXX XXXX '' now the debt is on AARGON COLLECTION AGEN and after letting them know, and was zeroed out on my balance, left the apartment. I then seen on my XXXX XXXX they were coming after a debt. I was told after contacting the company that they never closed my account! I had a large bill then just sitting and affecting my credit score. Please remove this! I believe the homeless problem is rampant and the only way the electric bill even racked up to the amount of " {$1000.00} '' was either a homeless person saw the empty apartment and came in, or the new tenants were riding the " free '' electric. Therefore I would call this identity theft, despite it just being the mistake of the customer service at the electric company, now in AARGON COLLECTION AGEN. Thank you so much in advance for any help!
Consumer complaint received 2024-10-18
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. (NV)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CA)

on XX/XX/2020 I tried to create an account with experian credit reporting services I gave all the personal information requested only to have the web page give me an error telling me " oops, we're sorry '' nothing happens no information as to what went wrong on the web page, then they give phone number and times to call, I have repeatedly tried to contact them through this number but it is nothing more than an automated referral BACK to the web site. I have tried on multiple devices and multiple days to create this account so that I can access their " credit boost '' service as I am trying to rebuild my credit scores. THIS is unacceptable as I can not get the information or contact anyone that can clarify what the issue is with their system. 

also tried again to day XX/XX/2020 to create an account same issue YET whent hey ask me if I want a free credit report sent they have ALL of my information already on the request form, so I have tried to request one and same issue " oops we're sorry '' and the same phone numbers that tell me to go back to the web site. 

in addition i asked a friend who is already using this serivice to log in on the web site to see if it was a web site issue and they had no problems connecting and accessing thier information ...
Consumer complaint received 2024-10-18
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. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-18
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. (MI)

You have been called, emailed, reported to CFPB, and reported to fraud department for no updating address that has been requested to be accurately updated for past 2 years. I was told this issue would be fixed in 3 days 45 days ago. I check every morning and see the issue is still not resolved. I should only have my XXXX BEING REPORTED
Consumer complaint received 2020-02-17
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. (TX)

I decided to move out my apartment complex due to bad maintenance. I checked a new complex out and I had to get my credit pulled. At the moment it was pulled I learned that I was not able to get the apartment due to bad items on my report. Some one has took my identity they have ran my credit outrageously. I can't think of who would do something like this to me, but the items showing on my report are not mine. Please remove these unknown items. 

XXXX  XXXX/XXXX  XXXX {$620.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$320.00} XXXX XXXX {$850.00} XXXX  XXXX XXXX XXXX {$93.00} XXXX XXXX  XXXX XXXX {$120.00} XXXX XXXX {$1300.00} XXXX XXXX {$2900.00} XXXX  XXXX  XXXX  XXXX {$700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX XXXX XXXX {$3300.00} XXXX  XXXX {$19000.00}
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK (CA)

I had an account with Gateway one lending and finance for an auto loan. I paid the account off for the remaining balance of {$1900.00} on XX/XX/2019. I recently had my credit pulled for a home loan and it shows on my credit report that I was 30 days late. I called Gateway one to have the derogatory mark taken off my credit report and I was told that they don't handle disputes this way that I needed to write a letter a mail it in. I mentioned to them that I am in the process of getting a home loan and did not have the time to wait that long. They still refused to help me.
Consumer complaint received 2024-10-18
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)

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 2020-02-18
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.
Consumer complaint received 2020-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (TX)

XX/XX/2020 XXXX Rausch Sturm Israel Enerson & Hornik LLP is representing XXXX XXXX ; Called and was on hold 10 minutes and response said to leave message i.e left message they are calling wrong number, the person they are looking for is not at this number ( XXXX ) and I am not that person. ( XXXX XXXX XXXX ) I do not know that person. Have their Client XXXX XXXX Remove my number from their system and do not call again. I have informed XXXX XXXX of the above information and to remove my number fro their system and do no call it again. I have had this number for over 8 years.
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates has Reported 3 different dates of last activity on this debt in an attempt to re-age this account XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX There is also no date of last payment listed on this account and the original creditor does not state that this account has been sold or transferred. 

Portfolio Recovery Associates also has this debt listed under 2 different names/ Account numbers on my credit report. 
Portfolio Recovery Associates has pulled my credit report on numerous occasions in an attempt to further lower my credit score. 

There are also late payments on on this Collection account and Portfolio Recovery Associates has made it seem like Ive made payments towards this debt when I havent, the original balance was {$3200.00} now the balance is {$3200.00}.
Consumer complaint received 2024-10-09
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. (LA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2020-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2020 my accout with TD Bank was credited with a {$700.00} from SSI ( social security ). I found out sunday XX/XX/2020 that my debit card was missing out of my wallet and I called TD Bank but found out that my account was blocked for some reason. I reported my card lost or stolen. They told me that {$900.00} had been charged to my account fradulently. I put in a claim on monday XX/XX/2020. They denied my claim because they said the person who-ever it was used the ID number perfectly and they got it right the first time. And also they said that the culprit did not attempt to abuse the card. In other words they are saying that it was too perfectly done. The money stolen from my account was the money that SSI pays me monthly to live on. Iam a XXXX American. I have been robbed. They won't help me. SSI gave TD Bank my money for me to live on for the month of XXXX but I have been robbed and they wont help me, they said that they are not responsible but I know better than that. TD Bank is not a good bank to be with. They are not a safe bank to bank with. They are robbing me. I wonder how many other people have they did this to.
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-10
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. (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. 

Account Name : XXXX : Account Number : XXXX : Balance : {$430.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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.