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. (CA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX
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. (CA)

Subject : Second Request for Investigation of Inaccurate Late Payments Reported by XXXX XXXX XXXX XXXX. 

( Fair Credit Reporting Act 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) ) I am writing to formally request your assistance in resolving an issue with inaccurate late payment reporting by XXXX XXXX XXXX XXXX. This letter serves as my second request after an initial dispute with the credit bureaus and XXXX XXXX XXXX XXXX failed to resolve the matter. 

As a co-signer on my son 's student loans, I am responsible for ensuring the monthly payments are made. Maintaining an excellent on-time payment history is critical to me, and this erroneous reporting is damaging my otherwise flawless credit record. 

The accounts in question are : Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) The issue involves a reported XXXX late payment for XX/XX/XXXX. However, my records indicate that I was : On time for XX/XX/XXXX, Incorrectly marked as 60 days late for XX/XX/XXXX, and On time for XXXX, XXXX, and XX/XX/XXXX. 

This discrepancy suggests that the late payment for XX/XX/XXXX is an error. Under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act, I have the right to dispute this inaccurate information. Despite my previous efforts, XXXX XXXX has not provided accurate verification of this late payment, and it continues to negatively impact my credit.
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. (WI)

XXXX XXXX XXXX Data Breach XXXX  confirm and remove all unauthorized accounts 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 XXXXXX/XX/XXXX
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. (KY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The company has repeatedly violated my rights under the FCRA and will not respond to correspondence. 
According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.
Consumer complaint received 2017-10-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

LVNV FUNDING LLC HAS VIOLATED ALL MY RIGHTS. THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my XXXX and XXXX instructions. This is not my debt or it is a fraudulent account and it is not my account. 

After verifiable delivery of my XXXX and XXXX XXXX XXXX by Silence letter XXXX via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense when I bring your company in front of a judge. 

Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all XXXX request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account
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. (NC)

RE XXXX XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
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. (CA)

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. (TN)

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

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 2024-10-09
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (OH)

Applied for Citi Costco credit card and was denied because of not matching information. When I called city they told me the phone number I listed is not matching with the one on XXXX. Kind of loose rule to st because of not matching phone numbers. My FICO score is XXXX otherwise.
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. (NE)

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.
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. (CA)

I've recently noticed unauthorized inquiries on my account, which is a significant concern. I've not given any permission for these companies to access my information, yet they have been able to pull my credit report. This unauthorized access not only violates my privacy but also potentially puts me at risk for identity theft.
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)

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.

and list of Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX FC 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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I had a legal first name change on XX/XX/XXXX. 
Then In XX/XX/XXXX : 1 ) I went to SSN Administration and updated my SSN Card with new first name 2 ) Updated my Driver 's License with new first name 3 ) Went to Banks and creditors and updated my name to new Legal name Then in XXXX when I went to freeze my account with Experian, I see that they say I have no credit at all. 
I called Experian on XX/XX/XXXX and uploaded court ordered name change to Experian and found that the name change being reported in XX/XX/XXXX triggered a separate account to be created ( or altered ) with Experian, and Experian erroneously still importing the data from Banks and Credit holders to the older incorrect account. 
My legal name/SSN 30 days after my initial complaint shows that I have no credit, and my old name/SSN has exceptional credit. Even though Experian has CourXXXX Ordered name change info, they continue to send emails addressed to the incorrect first name. 
My old name causes much stress because it is of the opposite gender, and I need my new legal name ( my name assigned at birth ), I need that back for mental health reasons. Experian was just as bad updating my name the first time, taking well over 30 days, and causing me to rent a room share ( with no credit check ) because I had no credit to rent an apartment.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (NY)

On XXXX/XXXX/XXXX my wife visited what she believed to be an XXXX XXXX XXXXlinic operated by the hospital system that employs her for a routine strep throat check. We later received an invoice for {$79.00} for 10 % coinsurance. I thought this was very high and questioned the amount only to be told that the facility was an emergency room and not an XXXX XXXX center. I then filed a complaint with my state 's XXXX 's office because I felt the billing practice was unfair since the office building had a huge sign out front identifying it as XXXX XXXX. I went ahead and paid the invoice as well. On XXXX/XXXX/XXXX I received a response from the hospital system 's attorney through the XXXX 's office indicating that they decided to refund the {$79.00} coinsurance payment but they felt their billing practices were legal. Everything was good until XXXX XXXX when I received an invoice from XXXX XXXX of XXXX MI saying that I owed this debt. On the XXXX of XXXX I sent a certified letter to them disputing the debt and forwarding copies of the letter from the hospital system as well as a copy of the credit card transaction and the refund transaction proving that the debt was no only paid but also refunded. I assumed this would resolve the situation as the debt is clearly invalid. They continued sending me invoices so I hired an attorney through my employer 's legal access plan. The attorney said that he 'd send them another letter and handle the situation. In XXXX XXXX I received an invoice from a new debt collector, XXXX XXXX XXXX XXXX of XXXX NY for the same debt. So it 's clear to me that XXXX decided to sell the debt to a new collector rather than go back to the original creditor to correct the mistake.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, my Wells Fargo online banking account was hacked by an unknown individual. This individual accessed my Wells Fargo portal and was able to process a cash advance of {$1200.00} from my Wells Fargo issued credit card to my Wells Fargo checkings account. A {$60.00} fee was charged as a result of that. 

Subsequently, 2 payments of {$100.00} each were sent out via XXXX from my Wells Fargo checking to unknown individuals without my authorization. A third payment of {$500.00} was processed but blocked by Wells Fargos fraud detection team. I was then notified of the fraudulent activities the next business day. 

A police report was filed with my local law enforcement agency - XXXX XXXX XXXX XXXX regarding the matter and a claim was opened with Wells Fargo to recover the lost funds on XX/XX/year>. 

I was told by Wells Fargos representatives that I would hear back after the investigation is completed on XX/XX/year> and a letter would be sent to me via email and posted to my secure Wells Fargo messaging center. I was also assured to not pay off the credit card balance of {$1200.00} as that was a result of fraud. 

On XX/XX/year>, I decided to call the Wells Fargo claims department as I have not heard back and was told that my claim was denied. It was determined that the activity was not a result of fraud and no further action will be taken. Case was marked closed without the ability to appeal or reopen. The claims investigator has not once contacted me to verify the legitimacy of my claim or tried to understand the situation. Ive requested a detailed claims file from Wells Fargo and was told that was sent to me but nothing has been received. 

This issue is extremely concerning for me as Wells Fargo has shown that it does not take its customers protection claims seriously. If a thorough investigation was launched, it wouldve been found that this was a result of fraud. I request help from the CFPB out of desperation and do not have any other avenues for financial recourse.
Consumer complaint received 2017-10-17
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: KEYCORP (NY)

Key Bank took over my XXXX XXXX account and current complaint # is XXXX. I wish to add a new complaint.
On XX/XX/XXXX, I made a payment to KeyBank Card for XX/XX/XXXXof XXXX today and learned that my card has a balance of XXXX XXXX. I only used my card once in XX/XX/XXXX ( no other card use since about XX/XX/XXXX ). I used this card to pay my property school taxes of XXXX ( plus a small fee ) to process that payment. I spoke to XXXX of KeyBank on XX/XX/XXXX to ask why is my balance XXXX? XXXX  said that on XX/XX/XXXX two purchases were made at XXXX XXXX XXXX XXXX. Two transactions made foXXXX XXXX and XXXX. I was not near XXXX NY I was in XXXX NY this is fraud matter! I want the person prosecuted and to see if there is a surveillance at that store to identify the culprit.
XXXX closed the old account ending in XXXX but the account to remain opened until the investigation is done which takes about 30 business days on their end. KeyBank Fraud Unit is XXXX.
I am irate that KeyBank did not notify me when these two transactions took place XXXX  states that because it was in New York they did n't feel the need to I disagree! I had the card in my possession. Note, I reported a robbery to XXXX County Sheriff 's Department in XXXX NY on XX/XX/XXXX as someone robbed my home in XX/XX/XXXX just in case there is a connection to this matter. They will credit my card back the two amounts  after the investigation.
My address is XXXX XXXX XXXX XXXX New York XXXX Cell is XXXX.
Thank youXXXX 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

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.

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.