davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXX XXXX XXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (NJ)

I filed a disputes on XXXX and XXXX, confirmation numbers XXXX and XXXX. 

I filed a dispute at three credit bureaus. The companies have since verified this info with me. Today, XX/XX/year>, I called all three companies to have my disputes cancelled. XXXX and XXXX cancelled right away at my request. 

Equifax, however, refused to allow me to cancel my disputes on my report. They claimed that this was company policy despite it running counter to logic, law, and what the other two companies do. 

Equifax is not allowing me to control the information, in the form of disputes, on my own credit report. This is not legal.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 2024-09-25
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. (AZ)

Dear Experian : Im bothered by the fact that your company sent me an updated letter stating you had verified this previously deleted inaccurate account. Why are you ignoring my request to remove this previously deleted account when you clearly violated the law when you added it back on to my credit report without notifying me? 

Creditors : XXXX XXXX | Account Number XXXX XXXX XXXX | Account Number XXXX DEPT of Education | Account Number XXXX DEPT of Education | Account Number XXXX DEPT of Education | Account Number XXXX DEPT of Education | Account Number XXXX Reason : Account does not belong to me, leads me to believe this is related to an identity theft case I was recently involved with. Also, inconsistent information is being report as both XXXX and XXXX are not reporting these account Instruction : Delete inaccurate information and remove fraudulent accounts Because of this, I have filed complaints with the following agencies : FTC, XXXX, attorney general, and attorney general in your state, Consumer Financial Protection Bureau. I will be filing more complaints with the Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, and Advocates for Fair Credit Reporting.

The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA. Please remove the account. If you choose not to act, I will have no choice but to file more complaints and seek legal advice from an FCRA attorney. Attached is also a copy of police report. 

Information has also been mailed to Experian with all relevant documents to this case.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA ()

Marcus locked my account because I changed my address information. I have called multiple times and they are very agressive on the phone and are not willing to help finding a solution to check on my identity. I have tried multiple ways and offered even traveling to the XXXX ( Im leaving abroad ). They have denied affidavits, not willing to meet on any way. I have over XXXX in my account ( all my life savings ) and have been going trough a health treatment which I urgently need the money to pay my bills and medical bills too. They have no sense of urgency and as of now I consider they are taking me/my money hostage. Im going to be pursuing legal actions. Its 2023 and with all the technology available they are unable to help. I have moved outside the XXXX but still have an address I receive my mail and that shouldnt be an enormous blocker to verify my identity.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

I bank with Everbank which is now TIAA bank. I opened a checking account in 2015. I have called and requested an account closure, but the bank will not allow me to do so. 
I asked customer service why they won't close my account and was told because there's a block on the account, Once I again I asked what the block was for and was giving no reason at all. My bank account currently has XXXX of my hard earned money and, The bank is giving me the run around. Transfer after transfer, from department to department. I am tired of this. Please Help
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I have reached out to Credit Acceptance over 10 times regarding a previous account that I had with them. I had a XXXX XXXX with them that I aquired in 2010. I paid the vehicle off. After I paid the vehicle off a few months later I applied for credit with them again and was told that I had a past due balance of around {$120.00}. I wasn't sure what that balance was for but I promptly paid it. Now when I review my credit score I see that credit acceptance was reporting that account as a collection  account. My account was never in collections and they never tried to contact me regarding a balance. They ripped me off and now they are ruining my credit. I will not stop until credit acceptance updates my report to reflect my account paid as agreed.
Consumer complaint received 2018-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2024-10-21
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 Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXX XX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I have several complaints about my credit file, which contains information that is either partially right or completely incorrect. The file is missing information in most cases, and I believe the information contained in these files to be inaccurate. 
So I want to dispute entire file. It also has some inquires that I want to dispute whose origin is unknown to me. 

My car payment were made to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I made all my payments on time, starting in XX/XX/XXXX to about XX/XX/XXXX, for over a period of 3 years with no lates. It was about XXXX per month. But I only see a partial file. I paid a total of XXXX with {$4100.00} for a finance charge, while XXXX of it was for the car. I was always on time with my payments and missed none. Part of those payments are missing from my file, my file does not reflect that. 


XXXX XXXX XXXX has me down as a cosigner, I did authorize them or give them permission to use me as a cosigner nor have I sign a contract with them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Who are these people? 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX. XXXX
Consumer complaint received 2024-09-05
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

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 says. Under the permissible purpose section of the Fair Credit Reporting Act, I have NEVER given this agency written consent to report this information. 

I demand these accounts be deleted from my credit report.
Consumer complaint received 2024-10-07
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. (TX)

This demand for instant deletion is against the information furnished by Original creditor : LEGENDS AT LEGACY. It is a false debt, and Identity theft and should not be on my consumer report for serveral reasons. 

XXXX. This is not/and never was a consumer credit transaction. 
XXXX. Legends At Legacy was an aprartment complex owned by my former employer XXXX XXXX XXXX, who I worked as a maintance employee for and had a special apartment rental agreement with were I live for free and have to claim my rent as discount which is standard in our industry. 
XXXX. XXXX XXXX XXXX XXXX at Legacy to another company durring my employment and I moved when the new company aquired It. 
XXXX. The amount displayed XXXX actually my rental credit I had to claim on my XXXX taxes as my income for my XXXX XXXX.. 

XXXX XXXX added this Item to my XXXX XXXX Report Friday XX/XX/year> after having to delete it from both XXXX and XXXX earlier XXXX the day for the same reasons. They can not provided the contract that created this false debt because there isn't XXXX, They can not provide information about how this was a credit/or rental transaction because it wasn't and my employee addemun is my lease aggreement and clear states all employees must accept housing benefits as XXXX and claim it as income on their taxes. These people found parts of my information somewhere and have created a whole narrative about a situation that they know nothing about, should never be invovled, and are completely wrong about. I've sent them all of my information showing that I was not a regular tenant, and my ledger as well as my XXXX, and c forms, asking them to cease and desist and stop sharing my information because my employee agreement clearly states neither party will share any information. They have refused and are misrepresenting me and creating a version of me that doesn't exist to cause me harm and extortment me into paying them a debt that is actually my income. I'm including attaching my Identity theft report to this complaint. It is once again, XXXX XXXX/ aka Collectech. Same address, same principal officers. Thank you.
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-06-08
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: Experian Information Solutions Inc. (IL)

I disputed some bankruptcies listed on my credit report with XXXX XXXX as they were the agency that was used to verify the information. I received a letter from them stating that the information could not be verified and and would be removed from my public record. I have included the letter that was sent to me. 


I then contacted all 3 credit reporting agencies, notifying them of the removal and they should follow suit. I receive a response from Experian on XX/XX/2018 that the bankruptcies that were listed were valid because they were verified within 30 days. 

I contacted XXXX XXXX to confirm that the removal had taken place which in fact it had. I will be receiving a confirmation letter in 7 to 10 business days. 

I then contacted a representative at experian to obtain clarification. She explained that the bankruptcies are listed as public record and that someone physically goes to the bankruptcy court to obtain this information. I then asked for that person but she failed to provide me a name. She then in turn stated that they call and obtain the information I then asked " what prompted you to contact the bankruptcy court to see if I had filed a case? '' she stated that it was public record. I then explained to her that my public record is created by some entity which they used to obtain this information. I would like to know what that is. What are your policies and procedures for obtaining public record information? She stated and continued to state that she did not have that information and no one in the office could provide me with that information. 

I took the liberty of contacting the number that is listed on my credit report for the bankruptcy court. I spoke with a representative that stated that they do not provide this information to any credit reporting agencies it has to be requested with the person 's valid information or it can be accessed a system called " XXXX '' which anyone can create profile and gain access.
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. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2018-06-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

I have a loan with WFDS/WDS. 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  and WFDS/WDS with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.