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 — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

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 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. (FL)

This morning, I was stunned to find that inaccurate accounts had appeared on my credit report, and I have no explanation for how this happened. I regularly check my report, and everythings been fineuntil today when these discrepancies popped up out of nowhere. Thinking it might just be a technical glitch, I refreshed my browser, but to my dismay, the false information was still there. Im now asking for a thorough review of the documents I sent so I can avoid ever worrying about this issue in the future.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX XXXX of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Current Employer : XXXX XXXX XXXX have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (GA)

Today, I saw unauthorized inquiries on my credit report, and I dont understand why. I review my credit regularly, and nothing like this has happened until now. Even after refreshing my browser, the discrepancies stayed. This is incredibly frustrating, and I need this issue addressed immediately. Please verify the documents Ive submitted to resolve this once and for all.
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)

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 2024-10-09
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. (MD)

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY
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. (DC)

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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have significant concerns about the XXXX and Bank of Americas new policies regarding transactions related to firearms. I have accounts with both banks, and am inclined to cancel them. I am especially concerned with increased scrutiny on law-abiding businesses in the constitutionally protected firearms trade. 

My transactions have apparently been reported in some way, and it is affecting my health care licensure and professional position. My employer has asked for explanations of specific transactions that had to have been reported by either XXXX or BoA. 

It feels like yesterday when XXXX and BoA received nearly a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk. This was the single largest government bailout in American history. 

I am tired of law abiding citizens being targeted for the actions of criminals. I hope that you will use your influence to put a stop to it. 

This particular instance seems illegal on its face.
Consumer complaint received 2018-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (IL)

I had bought a Coton De tulear breed dog from XXXX XXXX in XXXX Illinois almost a year ago. I inderstood that the animal had cost around {$1500.00} and we agreed to payment plans. After a while of losing our jobs we couldnt make payments, fees started adding up, and the account went to collections with Monterey Financial ( Which I do not believe is a collection agency ). A short bit ago we have been making our payments to the " collection agency '' they claim to be with no supervisor and the only person I can speak to is my account holder. Our balance was {$2000.00} as of XX/XX/. We made a payment of {$200.00} on the same day. They then told me my balance was {$1900.00} which is not minus {$200.00}. So I made another {$200.00} payment on XX/XX/ and my balance was {$1700.00}. So I made another payment 2 weeks later od {$200.00} and I had seen they only took {$100.00} from me. They said " we charge a {$20.00} processing fees and you owed {$50.00} in misc. fees. '' So I said " Okay so after all fees are paid {$130.00} shouldve went to my total balnce left and you guys only took {$100.00}. Where is the other {$30.00}? And she said " Not sure where you have been getting these quotes from but noone has quoted your payments at all do I will quote this one today. '' They keep charging me {$20.00} processing fee, and only putting {$100.00} towards my account balance and Im not sure where my other money went. Also, we have paid almost {$700.00} since we started our first payment and they said we have not and they cant believe me because noone has been quoting my payments. I want this place shut down, my money back, or something done because they keep taking my money and lieing about where it is going. If you look at customer reviews, everybody says the same thing. They refuse to dorect me to a supervisor and keep telling me they arent aure where im getting my " total balance '' after payments from hence nobody quoting my payments. As a company of the account you would think they would quote everything. Please do something about this.
Consumer complaint received 2024-10-09
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. (PA)

I completed a timeshare separation with XXXX XXXX XXXX. XXXX XXXX XXXX has has put missing payments on my report although this legal separation was put in place. I gave the time share back in this agreement. I would like them to remove this off my credit report since this is not a missed payment and a legal separation through a legal firm.
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (KS)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2018-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TN)

Speedy Cash keeps calling me. I have blocked speedy cash but they find a way to my voice mail and leave a message saying " This is a courtesy call from speedy cash ''. 
I have contacted them numerous times and explained that they have the wrong person and phone number. I have never been nor will ever be a customer of speedy cash. they say they will stop calling me then in a month start calling again. I have filed complaints with the do not call list and FCC. this never stops with these XXXX.
Consumer complaint received 2018-03-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I was approved for a loan modification which I was thrilled with and could easily afford, My husband was incarcerated which left me alone to pay my bills by myself. When I got the papers to sign that I accepted the modification they wanted it notarized, which I did. I sent them back and they said they weren't done right!!! I asked for another form to sign and they NEVER sent it to me., Finally I got someone on the phone who actually knew what they were talking about and faxed the papers to me.. I signed them and faxed right back within minutes and they refused it because I forgot to put the date on the paper!!!!! 
They have done nothing but cause me stress throughout this process. No one gives you the same answer and I have had nothing but a run around with them for over a YEAR!!! 
I have also been hung up on by the reps and refused to be transferred to a supervisor. Is this good customer service???? The ones that knew their job were very good and talked to me in a professional way. 
So bottom line is that because I didn't date the acceptance but did sign it, they are making me do this all over again, Nothing is straight forward with SPS and they set you up for failure. They have all my details from before and put me thru XXXX again ... ..just for a date????? I never asked for them to be my mortgage company..they were assigned to me thru XXXX who was very easy to deal with and I got the same person all the time who helped me tremendously when needed. SPS has very poor reviews and lots of them., Now I can see why.,
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
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 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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
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. (DC)

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Dae of Birth : ( Private DOB ), Content 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 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 consist of a personal credit card, XXXX loan accounts, XXXX XXXX account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, 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 U.S. 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 2018-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

So while visiting relatives in the XXXX XXXX area, I frequently stopped in at the CHASE XXXX   at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX # XXXX during the latter part of XXXX through XX/XX/XXXX & these BANK employees harassed me by calling the COPS on me without justification as I was just walking past the bank & not even entering it ... I then was introduced to XXXX XXXX who after he opened my account ASKED me why DO I MAKE ALL these purchases which IS NONE of HIS GOT XXXX business ... I then meet XXXX XXXX who gives me a XXXX form because the IRS has returned my FEDERAL TAX REFUND via MAIL instead of placing in the account I authorized through TURBO TAX..Then on XX/XX/XXXX after checking my account I see that it has BEEN CLOSED but NOT by me & I owe {$40.00} and as I go to approach the BANK I see POLICE so I call the CHIEF of Police in XXXX XXXX, Texas XXXX I XXXX from to alert them that these XXXX, TEXAS XXXX who had forced me physically on XX/XX/XXXX to get in their car & they took me to the HOSPITAL that somehow was In XXXX, TEXAS but I live in XXXX XXXX, XXXX & I was sedated with something and WOKE up at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ....
Consumer complaint received 2018-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: United Student Aid (USA) Funds (MD)

I filed a complaint with the CFPB reporting XXXX XXXX/XXXX XXXX 's misrepresentation of the terms of forebearances on their loans, their predatory practices along with their deceptive practice of leading people to forebearances without offering any other options, ( they've been sued for this in TWO states already ) on XX/XX/XXXX. The matter was closed and Navient reduced some of the unfair fees and interest they added to my original loan. I have made regular payments to Navient every single month for at least the last 2 years during my battle with them and did not miss a month.I refused to sign any document that claimed I owed $ XXXX when I know I never agreed to any of that and they no record of me doing so. 
They reduced the loan ( not by nearly enough, by the way ) because they could not deny the fraud that was committed against me. 

On XX/XX/2018 my loan was reported as defaulted to the national credit reporting agencies in an act that can only be interpreted as retaliatory. 
It is no coincidence that this was done barely 2 weeks after I filed my original complaint and XXXX REDUCED the balance of the loan. The letter is attached here. It says the reason they did this was because I " failed '' to enter into a " satisfactory '' repayment arrangement. 
Please keep in mind the ARRANGEMENT they are referencing here required me to agree that I owed them more than 40 THOUSAND DOLLARS for a $ XXXX loan that I have made over $ 10k- $ 13k in payment toward. I refused to agree to that because it was a LIE. 

I proved I did NOT owe them $ XXXX. The PROOF is that they immediately REDUCED the amount they said I owed by {$7000.00} once I filed my original complaint with your office. 
I have attached the balance Navient showed on my loan the month prior to my complaint and the balance immediately after my complaint. 
I want this loan expunged/forgiven if for no other reason than to show criminal operations such as XXXX XXXX/XXXX that they can not continue to be permitted to steal from and abuse people and then punish those who stand up for their rights by maliciously trying to ruin their credit and lives. 
I have reported this entire ordeal to the Maryland State District Attorneys Office as I am aware that XXXX has already been sued for this last year by tow other states.
Consumer complaint received 2024-10-09
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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. (OH)

I reviewed a copy of my credit report and noticed 3 different accounts that do not belong to me. Those accounts are XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have never done business with these companies. If any payments were made to these accounts they were not made on my behalf
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. (OK)

This is unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamtion of character along with 60 days of no response.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 reporting misleading information. There is no third party involved. Please review the uploaded letters.