davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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 XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-19
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. (WI)

Upon reviewing my consumers report, I realized that a few accounts listed did not belong to me. I have never applied for anything with these companies, and I am not sure how they got my personal information. 

XXXX XXXX- Acct # : XXXX Balance- {$0.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance- {$0.00} XXXX XXXX XXXX  System- XXXX Balance- {$0.00} Opened : XX/XX/XXXXXXXX XXXX XXXX Balance- {$260.00} Opened : XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (SC)

I checked my credit report today and noticed a collection account from FIRSTPOINT COLL RESOURCES. I thought that I had payment arrangements made with the hospital and I have contacted them about a financial hardship. I acquired these medical bills from being diagnosed with XXXX XXXX XXXX. I was out of work for XXXX months and XXXX of those months I was not getting a paycheck. I was forced to move out of my apartment and my mail was being forwarded to the wrong address. I am basically homeless and living with a friend right now. I don't know if mail was lost. I am back and forth from different houses and don't always get mail and I would have disputed this or call to make arrangements before it was just added to my credit report. I am having a hard time and trying to get a house but with this being added to my credit report, my score keeps decreasing.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (SD)

Wells Fargo has been investigating this case since XX/XX/XXXX. On XX/XX/XXXX a wire in the amount of {$3200.00} was initiated to XXXX XXXX XXXX XXXX XXXX XXXX recipient bank ) Per the recipient bank, no wires were received on the date matching the amount, and the account holder denies receiving the funds. This was still true on XX/XX/XXXX. On XX/XX/XXXX Wells Fargo called and notified me that they ALSO could not confirm the recipient bank received the funds, and asked permission to do a wire recall. That was provided. On XX/XX/XXXX, I was called and told that, in fact, the recipient bank DID receive the funds, the wire recall was attempted twice and was denied by the recipient bank, the case is closed. 
Wells Fargo sent information to me that only confirmed that they SENT a wire to the designated account on the date initiated. They have NOT provided me with the proof they must have received from the recipient bank showing receipt of those funds. The recipient still claims they have not received the funds. And the recipient bank is unwilling to provide proof to me of receipt ( or not ) to protect the privacy of their account holder. Wells Fargo had to have obtained verification that funds were received - certainly banking transactions get a confirmation/receipt of funds wired. I am out {$3200.00}, as I had to provide a replacement payment for an unreceived wire and Wells Fargo can't provide proof of anything except " they sent it ''. Unacceptable.
Consumer complaint received 2024-09-19
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)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-10-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association (TX)

I was on a forbearance program to help catch up with payments of {$200.00} However I was overpaying my agreed amount to avoid any extra fees, There is one payment in XXXX of {$1400.00} and another in XXXX for {$200.00} that was paid but never applied. There were many other payments in XXXX that have not been posted as of yet, and the statement on the lenders ' website has incorrect last payment dates.. 

I have reached out multiple times and sent emails to resolve the issue. However, despite promising to correct the issue, the lender 's statement shows I'm 60 days late, and it has been marked on my credit report. I'm uploading all the necessary documents to prove payments have been made.
Consumer complaint received 2024-09-19
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. (PA)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CO)

I don't know what other government regulatory agency to file this complaint with as when I went to XXXX to try to file this complaint against Citibank it directed me to your website instead. I have been on the pre-screen opt out list for XXXX or XXXX years now and I even called that number again when I got the last Citibank solicitation ( as I get XXXX almost every week in the mail ), to make sure I was on the pre-screen opt-out list. Citibank handles credit cards for not only their own company but many others like Best Buy and XXXX XXXX. They are sending me solicitations for both of the aforementioned companies. They don't seem to care about this list and seem not to be worried about any fines that might be levied against them or legal action that may be taken against them as a result of them ignoring this list. If your agency can't do anything about it then I would like someone to email or call me and tell me what agency I can file a complaint with regarding such a matter.
Consumer complaint received 2024-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

I had to sue my builder and through the process my attorney found out my mortgage lender had committed loan fraud and put me in a terrible predicament. I have a 35 page attachment. 5 page detailed explanation of the incident and exhibits to prove my complaint.
Consumer complaint received 2024-09-19
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. (NY)

As part of a social security data breach, I went to check on my credit record with Experian via the free annual report, which I was able to log on to without a problem. 
From there, I could see the basics of my Experian account, which included a name similar to mine but not mine. I clicked the " dispute '' button in that section to try to correct that, and after more than an hour on a phone tree and various websites, I learned that someone had taken over my account, and it was now associated with someone else 's email and phone number. 
As the only way to verify or reset password or get access is by using those XXXX things, I can not correct the issue myself. 
There is no option to speak to a human at Experian.
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (AL)

I was approved for {$10000.00} loan. I spoke to XXXX XXXX XXXX XXXXXXXX and he advised my loan XXXX would be XXXX XXXX @ XXXX and then XXXX called me from that number. He then advised me my credit score was XXXX and he wanted to get it up to XXXX and to do that they were going to deposit some money into my account and I would go to XXXX and send it back to them the following morning. I woke up this morning and he walked me through going to XXXX and buying XXXX cash cards worth {$830.00} and sending him the pics of the front and back of the cards. I did not realize until I got home that they did not send money to my account, they moved money from my other accounts to my main account and cleaned out my bank with the XXXX money cards. Now he is telling me XXXX of the cards is not working and is trying to get me to go back to XXXX and buy another card with it. I think I've been scammed.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

Truest claims the US treasury check I received from FEMA to be fraud even after I provided all documents to support it. They are now refusing to give the check back or disperse the funds even though the check has been cleared.
Consumer complaint received 2024-09-23
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. (FL)

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries from my credit report immediately. 
Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-04-24
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. (KY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated mt rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

Between XXXX and XX/XX/year>, I fell victim to a multi-layered scam operation run by gmxame.com which involved me making deposits for a total amount of XXXX USD from my US Bank account to fraudulent investment firm ( s ).
Consumer complaint received 2024-09-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (NY)

Hello so I need to get this collection account removed. I was forced to purchase this timeshare years ago and i wasn't allowed to leave. I was not told that i would be forced to pay for this or anything about this for the rest of my life, I was told that if i dont pay that i will be enforced to pay and it will be in collections immediately and the only way would be to sell it to someone. This was when i was in my early XXXX 's I was not told any of this before thinking of getting this. Also my XXXX XXXX XXXX balance of XXXX is very fraudulent.it leaves and comes back and has been doing so ever since i switched mobile phones. When i switched to XXXX they had a program that they pay for the debt if i switched to the other company. I switched and sent the phone with the proper information and envelope and they claimed that they never got anything 2 years later. This is insane. Then i saw the XXXX XXXX XXXX reopened my account in XXXX  without me having an account. I have also kept getting XXXX XXXX XXXXXXXX  calls about a car that was repossessed years ago. I will that leave from my report?
Consumer complaint received 2024-09-19
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. (PA)

XXXX credit card ending in XXXX i had great credit-never late. I moved in XX/XX/year> and i contacted each credit card company. i received an email on XX/XX/year> from XXXX, no.reply.alerts.com saying i had a balance of {$180.00} which i had no idea of. i called then and they said i was XXXX days late, i said i moved and told you guys. 
They said we have no record of you moving but we do see on your account returned mail i paid the balance right there on the phone and filed a dispute on Experian which was denied i cant be responsible if these idiots didnt take my information correctly and send mail or have it forwarded to my new address. Also no email till XXXX -i dont get it- therefore i request the negative info on my credit report be removed thank you XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-21
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. (MA)

I am currently an Identity Theft victim, and froze the three credit reporting agency accounts in XX/XX/XXXX - these accounts also have fraud alerts on them that i placed. My experian credit monitoring account was hijacked my someone who opened a fraudulent digitial checking account and they changed all my login credentials on Sunday XX/XX/XXXX. It took 24 hours for me to reach the checking department on the phone and they said they would close this unauthorized checking account- they still have not sent me the email confirmation of this account being closed or sent me a mailed letter. It took two days of calling to reach someone in the membership dept to get help recovering my credit monitoring account : they helped me set up new user name & password but did not put my phone number back on my account- the account still has someone else 's number. I have called them 32 times about this and there is no option to reach a human being. I emailed them also about 15 times and they only responded twice with copy & pasted " help '' instructions pulled from their website. They haven't bothered to read what my issue is, or call me, or respond to me with any sense of urgency to protect my sensitive personal data. I have filed a police report for the fraud that happened with experian on XX/XX/XXXX and so i am able to extended the security alerts for another seven years. They exposed me to an account breach and someone gained access to my personal information, Experian is not addressing this or following the law. This is abusive practice of a credit reporting agency to treat consumers like garbage and offering no protection for the personal data they maintain And how they are treating me, who is already an Identity theft victim, is absolutely disgusting
Consumer complaint received 2023-08-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

Made a transaction on a mistake to the wrong person. The company has refused to proved a refund are investigation request in violation of the Fair Credit Billing Act. Please consider this notice also as a : NOTICE FOR DEMAND OF ARBITRATION TO : Square, Inc. % Cash App, XXXX XXXX XXXX, XXXX XXXX, California XXXX ATTN : General Counsel To the company, although this is not a certified letter request this is sufficient due process notice of my intent to either seek arbitration are file a complaint in federal court are some other legal remedy if this issue can not be resolved. Thank you and have a great day. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
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. (NY)

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX and Experian, will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number XXXX