davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
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. (NC)

I am writing to express my deep concern regarding the XXXX data breach and its subsequent negative impact on my credit score at all three credit bureaus. I believe this incident constitutes a serious violation of consumer protection laws and regulations ( Privacy Act of 1974, Fair Credit Reporting Act, and Gramm-Leach-Bliley Act ) I received notification that my personal information was compromised in the XXXX XXXX breach I have experienced significant difficulties in maintaining a healthy credit score. I have recently discovered that my credit score has been adversely affected across all three major credit bureaus ( XXXX, Experian, and XXXX ). 

As a result of this breach and the subsequent damage to my credit, I have encountered ( financial hardships, such as difficulty obtaining loans, higher interest rates, etc )
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, 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. (CA)

EXPERIAN MEMBERSHIP ID # XXXX. 
The Experian site is indicating an 'unscorable ' without any display of any credit score. I want the site functioning allowing access to credit, loans, etc.. The site representative stated they haven't received any loan information since XXXX, this, the, XX/XX/XXXX. The XXXX XXXX XXXX collection is indicated and scheduled to erase and delete on XXXX XXXX XXXX XXXX. In addition, I have attempted to contact the Experian via email to upload, but, the Experian haven't fixed the problem. I recently had the hard inquiries removed, the score should be XXXX, current. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-09-26
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. (NY)

I am writing to you as the holder of Auto Loan account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX  30 30 30 I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Recently, I reviewed my credit report and identified several inaccura my ability to secure a mortgage and overall credit. From my underst investigate the following account to ensure its accuracy. Here is the asking you to verify and validate : Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

The issue involves an account at Wells Fargo, Crown Checking, account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX executor, XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. XXXX XXXX XXXX XXXX died in XXXX and XXXX XXXX XXXX died in XXXX. On XXXX XXXX XXXX, I requested that account ( XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, executor, be placed in account at Wells Fargo under the name, XXXX XXXX Living Trust. XXXX XXXX is the husband of XXXX XXXX XXXX, deceased, and the will of XXXX XXXX XXXX and XXXX XXXX XXXX was probated through the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Georgia. XXXX XXXX XXXX XXXX did not have a will. 

Wells Fargo refused to transfer {$5300.00} in the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, executor ( XXXX ) into the XXXX XXXX, Living Trust account. Wells Fargo stated the account, XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX, executor, had never been probated. XXXX XXXX XXXX XXXX has been dead for more than fifteen years and XXXX XXXX XXXX XXXX for more than fifteen months. XXXX XXXX is the only living heir to the account. Given the deaths of the two individuals on the XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX, executor, I am unable to discern why the account should not be placed in the requested account, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-22
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-25
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 see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2017-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX XXXX Never used this service. Applied for it and received a card. Charged me {$180.00} and the goods were returned to XXXX and a credit was given me. Although i had card, i already had money on account with XXXX to use to pay for what i bought. XXXX XXXX has called since XX/XX/XXXX for the above amount, not owed and the only bill received, every hour on the hour, every day, including today XX/XX/XXXX. Three months of calls, every hour of every day for 3 months approx for money i paid direct to XXXX. Tried to explain to XXXX XXXX 45 times for a total of approx 40 hours of explanation. It still goes on.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following 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 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
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
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. (GA)

I asked for late payment to be removed Factually, instead Experian sends me a credit Report with an updating of it being verified I never asked for the payment to be verified so in this manner. Your conducting of lawfulness was NOT Met this has Violated 15 U.S Code 1681i - Procedure In Case disputed Accuracy. How are you all giving correct information when on my credit report profile XXXX has no contact? Please provide the method of verification you are using to conduct this, if this an XXXX XXXX XXXX I OPT-OUT! Now as this is my second dispute with you all I want to ask for a Lawful Factual not Verified dispute. When you all have information please send to the address or reply back.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Im XXXX deposited a cashiers check for {$980.00}. The mobile deposit did not work. The bank XXXX had to manually re-deposit the check gave it back to me and I got a car accident with a passenger who ran and took my purse along with my wallet with the check in it XXXX XXXX, which I found out with the help of a lady at the bank was the one who the check ATM they took the money out of my account ATM XXXX deposit XXXX XXXX deposit well the bank XXXX deposited mine RE deposited it XXXX thing and it was deposited before the ATM so it shouldve stayed in my account and then it caused all kinds of problems. Every time I took out an ATM withdraw XXXX more signature transactions came out {$300.00} withdraw and then with a pin for a signature transaction that I have never done XXXX more would come out with it. Every time I went to target to withdraw came out at target XXXX presented all this information to these people, and nobody could figure out what department was gon na do it so they just blew it off and close my account when they overdrafted for all my withdrawals that were supposed to come out before they took the {$980.00} back, overdraft fees, and close my account and labeled bank fraud Whereas I can not get a checking account anywhere to pay my bills and I am on XXXX where I would like my check to go through bank account instead of the XXXX card who has a ton of fraud and they never get it back. Police report understood that the DAs office arrested the person and charged them with his crime, but nothing was ever reported to me what was done with it, this is Bank Of America for XXXX XXXX XXXX XXXX last XXXX digit to my Social Security number XXXX. I would appreciate {$980.00} back in my cashiers check it was deposited. I believe it was XXXX or XX/XX/XXXX or XXXX. Its been so long And they just blew it off and kept my money in addition to that there are {$4000.00} in withdrawals and fees that they assessed my account for those withdrawals those signature transactions and duplicate withdrawals in addition to overdraft fees {$980.00} whereas I made transactions because I knew there was money there I just completely got the runaround about XXXX disputes dropped off paperwork at the XXXX XXXX location dropped off paperwork and spoke with the bank XXXX at the XXXX location several times and was escorted out when I was crying and upset because they would do nothing about it Open account XXXX Wire transaction that they could not get it together and complete properly and had to wait on a check and then wait for the check to deposit
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

I am writing to express my strong objection to Midland Credit Managements unlawful debt collection practices and violation of my rights. Despite never having a contractual agreement with them, they have been attempting to collect a debt from me. 

I am submitting this complaint against Midland Credit Management for the following violations : 1. Lack of Contractual Authority ( FDCPA 807 ) : Midland Credit Management was never contracted by me to collect any debt.

2. Failure to Validate Debt ( FDCPA 809 ) : Midland Credit Management has failed to provide validation of the debt, including the original contract, who funded the account, and my obligation.

3. Harassment and Invasion of Privacy ( FDCPA 806 ) : Your collection efforts are harassing and constitute an invasion of my privacy. 
4. Unfair and Deceptive Practices ( FDCPA 804 ) : Midland Credit Management has engaged in unfair and deceptive practices, including misrepresenting the debt and your authority to collect.

5. Negligent Reporting ( FCRA 623 ) : Midland Credit Management has negligently reported false information to credit bureaus, damaging my credit score.

Additional Allegations : 1. Organized Crime : All " lending '' agencies, debt collectors, and credit reporting agencies have engaged in organized crime, including : Extortion, Fraud, Conspiracy, Racketeering ( RICO ) 2. Peonage : The debt collection practices have forced me into peonage, a form of modern-day slavery, by : Coercing me into paying debts through threats and intimidation, creating a cycle of debt that is impossible to escape, Using high-interest rates and fees to maintain control over me, Limiting my access to credit and financial resources 3. Human Trafficking : The debt collection practices have subjected me to human trafficking, including : Forced labor ( through debt bondage ), Exploitation ( through excessive interest rates and fees ), Coercion ( through threats and intimidation ).
Consumer complaint received 2023-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd. (TX)

In XX/XX/XXXX Office of Personnel Management was hacked in which thousands of DoD employees information was stolen, I am one of those victims. I and my wife were both formally notified by the XXXX of the incident and given identity protection for two years. Beginning in midXXXX through now my wife and I have both been the victim of several credit theft with several attempts at withdrawing money from our savings account and attempting to open new credit cards through our bank, XXXX. Around XXXX XXXX I received a bill from XXXXXXXX XXXX XXXX claiming I open an account and now I owe them {$690.00}. I called their customer service several times and all they could tell me is I owe them money for an unknown purchase. I never requested a XXXX credit card ; I never received a XXXX credit card or monthly bill. 

XXXX is now harassing me with constant demand letters from debt collectors such as XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have responded to each demand letter and all that XXXX does is utilize a different collection agency. 

I'm also receiving debt demand letters for an induvial who I don't know and does not live at my address.
Consumer complaint received 2024-07-25
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. (FL)

" 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-07-26
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX