davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
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. (MD)

I have sent two attempts to rectify an account that resulted in identity theft. The original creditor has released liability but the creditor isnt budging even with correct documentation.

I personally dont have identification as I was incarcerated so I do not currently have any ID. All I was able to complete is the FTC affidavit.

Pursuant to FCRA 609 ( e ) I am not given the opportunity to block the fraudulent information although Identify if was me. The collection agency ( XXXX ) has not been able to provide the method of verification with my wet signature on the application. Ive attached a copy of the fcra showing Experian, XXXX and XXXX violated my rights. 

If XXXX XXXXXXXX is not able to verify the debt XXXX has no jurisdiction to collect a debt the original creditor deemed as identity theft.
Consumer complaint received 2024-08-01
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. (FL)

Please remove these fraudulent inquiries from my credit report. They are unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-01
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. (MN)

My account with EXPERIAN 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 in ( MONTHS REPORTING LATE ) 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.

EXPERIAN 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 2024-08-31
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)

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 XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-31
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. (GA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-08-01
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've been a victim of identity theft. My information was exposed to the public in the XXXX data breach, AND as a result of my ex-wife, XXXX XXXX, using my information during our marriage unbeknownst to me. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously AND PERMANENTLY or I will be suing.
Consumer complaint received 2024-08-01
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XX/XX/year>
Consumer complaint received 2024-08-01
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. (MN)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Charge Off : XXXX XXXX XXXX {$4000.00} Inquiries : XXXX XX/XX/2024
Consumer complaint received 2024-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (CO)

XX/XX/XXXX my girlfriend ( now former ) and I purchased a vehicle, our agreement was that she would keep the vehicle and make all the payments. From the loan history it is more than clear that she made more late payments than on time. 

Bridgecrest was contacted several times, the chats are attached. I do not have copies of the previous chats, but i am sure they have records. 

XX/XX/XXXX contact from me XX/XX/XXXX response XX/XX/XXXX additional questions XX/XX/XXXX no response, so i followed up XX/XX/XXXX general response, no answers XX/XX/XXXX request for financial agreement/loan contract XX/XX/XXXX submitted, 2-5 business days for processing XX/XX/XXXX requested again, sales contract was the only thing received from prior request XX/XX/XXXX requested again, since no response was received XX/XX/XXXX contract received A phone call was made to Bridgecrest on Friday XX/XX/XXXX XXXX object to the extension of the loan with customer service. Customer service advised me that the extension is approved upon request of the client, no written request or signatures are necessary. 

The Installment Contract ( attached ) states on the bottom of page 3 : " General : Any change in this Contract must be written and signed by you and us. The law of the state of the Dealer 's place of business shown in this Contract applies to this Contract. If that law does not allow all the agreements in this Contract, the ones that are not allowed will be void. The rest of this Contract will still be good. '' There were 2 extensions requested by my former girlfriend and given the first on XX/XX/XXXX, the second on XX/XX/XXXX. Each contact made, or attempted to make, with Bridgecrest was to voice my objection to any extension. I never agreed to or ratified any extension to the loan. At one point the customer service employee I spoke with said the extensions were a courtesy given to the customer. 

Bridgecrest is in breach of contract. Their own contract says any change must be signed by, " you and us, '' They modified the terms of the original written contract that I never signed, agreed to or ratified. In reality they extended the terms of the contract and made me liable for more than I contracted.
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

( See attached for complaint ) Subject : Urgent : Unrecognized Collection Account Reporting Dear XXXX, I am writing to formally address the ongoing issue regarding the continued reporting of an unrecognized collection account from XXXX XXXX on my credit report Account number # XXXX Despite multiple good faith attempts to resolve this matter, including my request for a debt validation letter from XXXX XXXX, they have failed to properly validate the account. The company has supplies a move out statement when I requested documentation showing my signature! 

I have enclosed copies of all relevant correspondence for your reference. Given that the debt has not been properly validated, I am concerned as to why this account continues to be reported each month. 

I respectfully request that you investigate this issue and remove the account from my credit report until proper validation can be provided. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-01
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX credit reporting system there usein. Which constantly XXXX denied lines credit l have tried applyed for homes. While making on time payments ( reported ). Credit scores is important bein XXXX stated XXXX. Also whom was employed. Retired employee from veteran affairs.. don't not what credit system is being used. But. It no increase be in done.. Has been going on for quite sometime. Over 1 year l have applied. Police report. Also fraud alert on my credit report. Don't not if the report is not bein graded on time.? or bein applied.. I Have Hires. Credit specialist company 's in the past Name XXXX XXXX, XXXXXXXX XXXX XXXX. To have accounts removed off my credit report.. Which would affect credit scores rating. Lately notice certain accounts has fell off still Shown no Scoresshowin has increased
Consumer complaint received 2024-08-01
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've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

I notified NFCU that I planned to close my XXXX XXXX account at Fifth third bank and asked them about what options I had for moving the money. NFCU told me since there is no branch within an hour of me to use the mobile deposit feature which has a XXXX limit daily. For the past few weeks it worked just fine, I would place the mobile deposit, get an email a few hours after the deposit that it was approved and see it cleared in my acct 2 business days later just as the email states. Yesterday XX/XX/XXXX 2024 I placed a mobile deposit just like I have done multiple times over the past month, received the email my deposit was approved and funds will be available within 2 business days. This morning XX/XX/XXXX 2024 I received another email about the same deposit stating there is an issue with the deposit and funds will be placed on an extended hold. I would like to state that I have proof the funds have already cleared and have been taken from Fifth third bank so there is in fact NO ISSUE with the funds. I received NO CALL or any urgent messages, just an email contradicting NFCU 's previous email stating my deposit was approved. To sum this complaint up, I placed a mobile deposit on XX/XX/XXXX just like I have been doing over the past month and received an email from NFCU it was approved as well as funds clearing out of the bank the funds were coming from, then received a different email stating there is an issue, and when I called XXXX in customer service at XXXX on XX/XX/XXXX she stated there is NOTHING they can do but wait to see what happens. NFCU needs to honor their own emails and for this specific situation, they need to see that the funds are good and have cleared and remove the hold. If this does not happen in a timely manner I will gladly pursue litigations.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 in 60 days 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. 


XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

I have sent you copy of my police report and FTC report over 10 times through CFPB showing I was a victim of identity theft along with my SS card and passport.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XXXX/XXXX Bank of America contacted me about unusual activity for {$14000.00}. The fraud department is the one that called, kept me on the phone for over two hours. At the end they told me to go to the branch to reverse the charges which I had to be identified and spoke to the fraud department again on XX/XX/XXXX and XX/XX/XXXX. They reversed the charges and submitted a claim. 

Now on XX/XX/XXXX they denied the claim and the fraud charges. They are the ones that contacted me stating about the unusual activity and I had to close my checking, savings and change my username and password on online banking. I called the fraud department again on XXXX as to what happened and all they told me is that the denied the claim and the charges that are fraud are my responsibility to pay. I reopened the claim again stating I did NOT make these charges nor I will pay. 

I need help as I dont understand they are the ones that contacted me and yet denying the fraud charges now making the payment my responsibility. I am a XXXX  and work full time and I dont have time with the banks nonsense when I have patients to take care of.
Consumer complaint received 2024-08-01
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: CCS Financial Services, Inc. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

There are excessive late payment accounts reported on my credit file. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I did not authorize the addition of certain information to my credit profile. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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.