davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
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. (IL)

XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXXXX/XX/XXXX {$18000.00} These above accounts where involved in identity theft and and not mines I was incarcerated
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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 2024-10-04
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. (NY)

I am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately, per my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I did not authorize the following hard inquiries to be made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, credit inquiries from companies that I did not grant permission to are inaccurate items that must be removed from my credit report. These unauthorized hard inquiries are a violation of the Fair Debt Collection Practices Act ( FDCPA ) as well.

I am enclosing supporting documentation highlighting the inquiries I am formally disputing. A copy of my state-issued ID is also included to verify my identity.

I demand that your agency investigate these unauthorized hard inquiries and remove them permanently from my credit report within 30 days, as mandated by the FCRA. Failure to do so may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Please send a written response explaining your actions once the investigation is complete. Let me know if any other information is required from me regarding this dispute.
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (LA)

I am writing to formally dispute the debt listed below, which appears on my credit report and is being reported by your company. I believe this debt is inaccurate and/or unverified, and I am requesting a thorough investigation to resolve this matter. 
Debt Reference Number/Account Number : XXXX Original Creditor : I C SYSTEM Amount in Dispute : {$780.00} I have reviewed my credit report and have found this debt to be inaccurate or unverifiable for the following reasons : I do not recognized this account Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you : 1. Provide written validation of this debt, including the original signed agreement or documentation showing I owe this debt.

2. Investigate the validity of the claim and remove it from my credit report if it can not be verified.

3. Provide me with a written statement of your findings and the steps taken as a result of this dispute. 

If you can not verify this debt within the legally required timeframe, I request that you cease collection efforts and remove it from my credit report immediately. 

I look forward to your response within 30 days, as required by law. Please send all correspondence regarding this matter to my address above. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with 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.

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 2024-10-04
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. (NJ)

I have reported being a victim of identity theft, and you are required to remove any items that were opened without my knowledge, consent, or authorization within 4 business days. This must be done upon receipt of the following : ( 1 ) proper proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) my identification of the fraudulent information, and ( 4 ) my statement confirming that the information does not relate to any transaction I conducted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-04
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 account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX XXXX XXXX wrongfully put a debt on my credit report that is not mine and due to identity theft. I also submitted a request for a verification of debt/contract and have had no response. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX  XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-10-05
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. (SC)

Hi cfpb I have complaint against Experian. I have did all I can to have them to remove anything that's inaccurate I have gotten no response from Experian under section 609 if it's doesn't belong to me it must be removed and if it's been 30 days no response it must be removed or else it's a violation and a fee of {$1000.00} per each. I am reaching out to please have them removed my Experian report it's been 30 days no response it must be removed under the statue of limitations. This is causing me emotional stress because I did all I can do and I they just voided me with no response.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2018, I sent a dispute letter to Experian. They never responded to that dispute. I sent another letter on XX/XX/2018 telling them they failed to respond between the 30 days stipulated by law. I called Experian several times and they couldn't answer why they didn't respond to my dispute.
Consumer complaint received 2018-10-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 3D Financial, LP (AZ)

fbi is involved and cc the matter- even thru fed reserve. 
teken for over 5K in a ponzi scheme ( take take take but real earnings ) on a business. My partners dont understand what that means. I was CFO and CIO, not a sales clerk. I was repeateedly harassed about my role in the company. My personal funds were coerced out of me before my personal and the business leases were due- leaving me with nothing month after month. no one else signed their name on the biz lease- I terminated it via use of police force and contacting the owner directly. I was promised XXXX the down payment and lease for 1st mo. I have yet to recieve it nearly a year later. A wire, the money order was attempted, then not paid to me upon request. Then the money was recently spent n a  car which shouldnt even be on my mothers property. Always involves my mother- who is not a part of the board of the company. Ive had lawyers throw me certified letters in service attemps when they have no business law experience. These individuals will do anything to rip people off. I want my money ( moreso my car title ) relinquished immeadiately. The debt comes from my partners- its not my mothers   responsibility. car title note ws for business- and 3d fin will not allow dispute, redaction, or comply w fraud statutes. continues to extort me for money, trying to stop tag renewal. Im out of state-if tags cant be renewed, the car vanishes when they expire. I wont get it back. I have to sell the car but I should have my title back FIRST. If forced to pay- the ripoff total rises by the exotrtion amt that 3d fin adds. biz docs are packed in local XXXX XXXX XXXX XXXX up the road.
Consumer complaint received 2018-10-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc. (CA)

I have made multiple calls to FCI Servicing ( Loss Mitigation through XXXX XXXX ) regarding the debt that was discharged through bankruptcy back in XX/XX/XXXX together with the House being foreclosed on XX/XX/XXXX. I continue receiving debt collection letters and threatening statements that they'll report to the three major credit agencies if I don't make new arrangements.
Consumer complaint received 2018-10-05
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/18 a reservation was made for an event to be held by XXXX XXXX on XX/XX/XXXX and a deposit paid in the amount of {$2500.00} On XX/XX/XXXX the reservation was cancelled via writing and the company was informed. 

The company refused to cancel the reservation and started to threaten me. I called the Vice President and asked for reason for this kind of unprofessional behavior he also threatened me and said this was non cancellable. There was no such declaration made to me, specially since the event was over 30 days in the future .I informed AMEX immediately and they put a hold and reversed the charge. Yesterday AMEX informed me they had charged back the amount. I have not attended the event because AMEX told me this would be resolved. Now what should I do? XXXX XXXX has provided an unsigned agreement saying that the event is non cancellable but I have never seen this agreement nor signed it.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, Wells Fargo Bank closed my personal credit card account without any notice. On XX/XX/XXXX, when I was looking at my online banking account, I noticed that my rewards were at XXXX ( I had a little over XXXX reward points ), and a brief memo was just below my credit card # stating that the account was closed and if I had any questions to call the number noted. I was in shock and furious! I called the # and spoke to XXXX from the executive offices. He said my account was at risk and therefore needed to be closed. He could not give me any further reason and he also said that they can close an account without any reason, but that I should be getting a letter in the mail.

Today, XXXX I received the letter. The letter states, " Wells Fargo regularly reviews its customer relationships in connection with its responsibilities to oversee and manage risk in its banking operations. After carefully reviewing the risk related to your account, we must advise you that your account is being closed immediately and no additional transactions will be permitted. This decision is final and can not be changed. Wells Fargo 's risk evaluation processes are proprietary and can not be shared ''.

I have had this card for about XXXX years, my FICO score with WF is XXXX, my credit card balance was {$430.00}, I have never been late on ANY payments and I always pay off my balance. I have over $ XXXX in their bank in a savings account. I have text and email alerts on all of my bank accounts with Wells Fargo.

On XX/XX/XXXX, I made an appointment with a Wells Fargo Banker at XXXX. She was on the phone for appropximately 45 minutes getting transferred to several people then finally ended up talking to the executive offices and they too told her that they couldnt give her any information on why my credit card account was closed. When I asked her to ask them that I wanted to see it in writing, that they can close a consumers credit card account at anytime for no reason they told her that it was in the brochure when I received my credit card. Really??????? Who keeps their little brochure with the fine print for XXXX years? That's absurd! I had a credit line of {$14000.00}. I'm also upset about losing all of my reward points! They can go ahead and close my credit card, but I want ALL of my points!

If they don't give me my reward points, then I will take all of my money out and put it into another bank. I have been a customer of theirs since XXXX.
Consumer complaint received 2018-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Basically, my mortgage company, Select Portfolio Services, continues to stretch out these loan modification programs, then offer me a payback amount that I clearly can not afford to pay back. They keep saying they're referred my account to an attorney, but are still claiming to help me. They charge all these fees for their " review board '' which makes my payments even higher, they offer me something like {$3000.00} payments, when I couldn't afford the initial payments of {$1500.00}. I explained to them that I had been unemployed for over a year. I really think this company is just a scam. 
Then they keep offering programs like Short Sales and Foreclosures because their investors will not accept any offers and they're investors are not willing to accept not one payment. It's bad enough the mortgage interest, which they say is normal, is .8 %
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITALONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

" 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. ''