davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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 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 2019-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently tried to purchase a new vehicle but was turned down due to several fraudulent accounts and inquiries add to my credit report. I contacted XXXX, Transunion and XXXX  to have the data removed but customer service refused to help me.
Consumer complaint received 2020-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

There was fraud/scam on my account through the service Zelle and no help will be given by any of the financial service companies associated with my account. The amount of the fraud was {$850.00}. It was sent there due to a scam about a puppy and the company the transaction was made to was a shell company and did not ever intend to trade any good for the money stolen from me. XXXX  XXXX XXXX and Zelle are of no help in this fraudelent case and have done nothing to resolve this issue or take the scamming business user off of their services. This business is consistent in their ways, as I had my significant other creat an application, to which the whole process was exactly the same, and I assume the process is repeated over and over again to many eager dog wanting consumers out there.
Consumer complaint received 2019-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION (CA)

I had a loan with lobel finance, they tried to repo the csr in XXXX after I made XXXX payment on XXXX, they send the repo and he violated my right lifted the car and damage it, I call the cops I call the bank to make payment and they refuse to take it thinking the repo going to take the car, police make the repo drop of the car, for 3 month after and my car is damaged and I tell the finance company they refuse to give me repo company info and they claim no responsibility, I requested for loan to be paused original loan amount is XXXX after 7 payments of XXXX and 1 payment of XXXX my pay off is at XXXX they refused to talk and the car is totaled they kept charging me while ignoring me, refused to pay me gap
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 req
uirements 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I was reviewing my credit report with all 3 credit bureaus and noticed inaccurate personal information and addresses. I have requested to all 3 credit bureaus in writing verify through certified mail received request over 60 days ago ( XXXX )
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am a victim of identity theft caused by the XXXX data breach. I have inaccurate fraudulent accounts, names, address list on my report FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block Upon receiving proof of identity theft, you are required by law to block fraudulent information within four business days.
Consumer complaint received 2023-10-10
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)

These accounts were opened during a time when I did not live in the U.S, I was between XXXX and the XXXX XXXX XXXX. I have filed an FTC report which I'm including plus additional documentation which proves I did not live in this country while this identity theft was happening. 

I'm providing my XXXX passport, XXXX application and XXXX passport. As you can see I was out of the country all the time that these collections happened. 

The accounts in question are : XXXX XXXX XXXXXXXX XXXX {$5800.00}, XXXX XXXX {$32000.00}, XXXXXXXX XXXX XXXXXXXX {$6900.00}
Consumer complaint received 2020-04-22
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo mismanaged my short sale 3 times over a 2 year period ( XXXX-XXXX ) & the day my condo in XXXX Idaho set to sell at the price they set, ( {$79000.00} ) they canceled & foreclosed XX/XX/XXXX on it the next day so they wouldn't have to pay agent fees & in the process ruined my credit after telling me to not make payments to be eligible. I would like this account removed from all 3 credit bureaus & an investigation into the fraudulent practices Wells Fargo is performing
Consumer complaint received 2024-10-14
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. (LA)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

In XX/XX/XXXX I mailed a dispute letter to Experian asking to delete an inaccurate address. They responded on XX/XX/XXXX with an email saying " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' *I 've attached a copy of this email. 

So, I mailed another dispute request in XX/XX/XXXX. Same result! I received another email claiming I didn't mail them them the dispute letter! *I 've attached a copy of this email.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Heres a response you can submit to the Consumer Financial Protection Bureau ( CFPB ), describing the issue youre facing with Experian : Describe what happened : I submitted a formal dispute to Experian, providing proof of my current address, including my driver 's license and a recent utility bill. Despite providing clear documentation, Experian has failed to update my correct address on my credit report. Instead, they added incorrect addresses that do not belong to me. 

The incorrect addresses include : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( without my apartment number ) XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX These addresses are wrong, and the only correct address is XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX. I specifically requested that my credit report reflect my correct address, but instead, Experians system added more inaccurate addresses. 

This incorrect information may negatively impact my creditworthiness, and despite my previous dispute, the issue remains unresolved. I am concerned about Experians failure to maintain accurate records and their refusal to properly address this issue, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, I am aware that Experian recently settled a {$22.00} XXXX class action lawsuit for similar failures to keep consumer credit reports accurate and updated. I request immediate correction of this issue and removal of the incorrect addresses from my credit report.
Consumer complaint received 2024-10-22
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 have accounts, collections, inquiries, and addresses that are not mine reporting to my credit report. this is wrong, inaccurate and not mine. I have reached out multiple time to the credit bureau and i want all of this removed immediately. this is incorrect information. i did not authorize anyone using my information. i have been contacted on multiple occasions even after telling them to stop contacting me and that these were opened fraudulent. they disagree and have continued harrassing me. 

Inaccurate 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 The inaccurate addresses being reported are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are inaccurate and should be removed.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally complain against Experian regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : XXXX XXXX XXXX XXXX My Address is : XXXX XXXX XXXX, XXXX XXXX, IL XXXX My Date of Birth : XX/XX/year> My last 4 Digits of My Social Security Number : XXXX My Employment : XXXX XXXX I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only one name and one address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies.

Additional Documentation : I have attached copies of documents that support my identity and residence. 
Thank you for your attention to this matter, and I look forward to your prompt response. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is just ridiculous! Despite the multiple dispute letters and CFPB complaints that I have been sibmitting to the Credit reporting Agncies, the Credit Bureaus do not seem to give a XXXX about my Credit file! How many dispute letters and CFPB Complaints do I have to send to the Credit reporting Agencies for them to finally remove the disputed items completely from my Credit Report? I have been informing the Credit bureaus that I have been a victim of identity theft and that the items I am disputing were the results of such crime and I needed them removed from my Credit report! I have also been asking that the Credit Bureaus provide me copies of proof of verification from their investigation, that if the Credit Bureaus really did conducted an investigation. Under the Fair Credit Reporting Act section 605b, the following fraudulent accounts must be removed as soon as possible from my Credit File : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. The Credit Bureaus have been failing me lately and it will be not a big surprise if they would still not comply with the requests and continue their erroneous reporting. But if the Credit Bureaus would remove the disputed items, I will be truly greatful.
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (TX)

Made payment arrangements but XXXX XXXX XXXX agaent did not inform me that at the end of the first payment arrangement another would need to be setup. I ask for phone records but they did not comply with my request to listen to the conversation. Instead they gave me their findings without my involvement.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AL)

XXXX I have XXXX XXXX on a payment plan for {$260.00} through XXXX XXXX XXXX with their payment plan. I had to pause the payments until I get well due to sickness. XXXX XXXX keep flagging my credit report that keeps dropping and damaging my Credit Report and Credit score I have proof
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Claim from Bank of America XXXX Arizona claim denied on XX/XX/2020 I invited some friends and some of their friends which I did not know over to my house for dinnerand after everyone left and went to bed as normal the next day I get up to go shopping and my debit card is missing I'm looking everywhere for my debit card which is also linked to my savings account which had over {$11000.00} in there and come came to the conclusion that I could not find my debit card anywhere in the house or in my car at that point while sitting in my car I logged onto my Bank of America site and I was down {$1000.00} approximately short a {$54.00} it was a {$950.00} to be exact there were two withdrawals taken from an ATM with a PIN number so whoever stole the card had to have gone through a my files and possibly found the pin number somewhere within my files and stole the card I never did get the card back when I realized that the XXXX dollars was missing I went straight to Bank of America they had just closed it was on a Saturday I withdrew some funds so I would have some money for the weekend went back home called the fraud department they closed the card reported the fraudulent activity and then the case begin well 2 months later I get a letter today from Bank of America stating that they've completed their research and that are their records indicate that the transaction activity in question was off was authorized and posted correctly to your account. this is absolutely incorrect I have no idea what they did other than call the merchant which they probably didn't get any information from them and then they just went ahead and closed it but it is definitely not correct the card was stolen it was fraud it was I was ripped off and they did with draw this money without my authorization and I don't know what else to do that's why I'm submitting this information to you in hopes of us up some help.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HYUNDAI CAPITAL AMERICA (NC)

I received a notification in the mail from kia motors finance and other car companies saying i was denied credit that i requested. I never requested credit from them and it is a inquiry on my credit report. I am trying to build my credit and have these inquiries removed
Consumer complaint received 2023-06-09
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 — Their investigation did not fix an error on your report
Company: Dynamic Recovery Solutions, LLC (FL)

Upon reviewing my credit file, I discovered a concerning item that has raised significant concerns. My credit report shows a collection from your agency, and I want to express my deep distress as I was never notified about this matter. Additionally, I strongly believe that this debt is inaccurate. I have taken the time to familiarize myself with US laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), which grants me the right to request and receive debt validation. In accordance with this law, I am formally requesting that you provide me with the necessary validation for this debt.