davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IN)

Over time as I have made Payments on my Accounts the Loan Providing Companies have NEVER UPDATED BALANCES. THIS has become so obvious to me the past few months, since I have PAID OVER {$12000.00} on MY ACCOUNTS! 

This is a CLEAR VIOLATION of the FCRA pertaining to ACCURATE REPORTING, CREDITING ACCOUNTS IN TIMELY MANNER, MATHEMATICAL ERRORS. THIS SKEWS TRUE BALANCES AS COMPANIES CONTINUE COMPOUNDING INTEREST RATES ON POSTED BALANCES-THIS IS THEFT!
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On the XXXX of XXXX, I opened a checking account with Bank of America, located at XXXX XXXX XXXX XXXX XXXX, OR. The associate who helped me was named XXXX XXXX. I immediately deposited a check written to me in the amount of {$4000.00}. They did not give me a debit card but said it would be mailed, and told me I would be able to withdraw at an ATM the next day. Two days later, I attempted to use an ATM and it could not access my account. I attempted to use no contact card payment at a store and it notified me that my virtual card was reported stolen. I attempted to log into the bank of america app and it could not find my information. I called Bank of America customer service and they told me that my account was in the process of being closed based on a banking decision at the Branch. I called the Branch and they told me they do not know why my account was terminated and said to call customer service. It seems that no department of this bank knows why my account was closed the day after I opened it. Since my account is in the processing stage of closure until the XXXX, i asked to withdraw funds and expedite the closure, to which they have told me I can not do. They are only giving me the option of waiting 5-7 days after the XXXX for a cashiers check to be mailed to me. I need the money to pay my bills and can not wait that long. I am afraid that they have stolen my money and I will never get the cashiers check. I feel that someone with the Bank of America must know why they have made the decision to close my account but are just passing off responsibility to other departments and giving me the run around. I faced immense discrimination at multiple branches, just trying to cash the check which is associated with their bank. The only option I was left with was to open an account myself, which was also responded to with mild discrimination. I feel that their decision to close my account was based on discriminatory bias in regards to my physical appearance or noticeable XXXX, as I have good credit history, and the check was verified by the BofA account holder who wrote it.
Consumer complaint received 2024-07-18
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. (CT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-04-01
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: TD BANK US HOLDING COMPANY (CA)

The company is reporting late payments when they dont have to authorization to report for my credit. Breaking my Fair credit reporting act laws. I do not and have not given consent or authorization to report any payments to my credit report. I am protected by The Dodd-Frank Act as-well. I need these 30 day and 60 day late remarks deleted from my credit as they do not have my consent to report this.. 15 U.S. Code 1681a
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instuctions.

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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Financial Servies has made countless mistakes with reporting on my credit report which violates FCRA regulations. There's two in particular one of which is when I traded in my XXXXXXXX XXXX for a XXXX XXXX. The next is when I traded in a vehicle from XXXX XXXX to Toyota Financial Services in XXXX. I would like all late payments removed from my credit report as soon as possible.
Consumer complaint received 2023-04-01
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. (CT)

On XX/XX/XXXX I wrote a letter asking the credit bureaus to investigate this account XXXX XXXX XXXX  Account Number XXXX but I recently noticed another today on my TransUnion credit report by XXXX XXXX Account number XXXX on my credit report because I saw several errors on my credit reports far as names, addresses, numbers and employers.I seen 2 weeks passed I didn't hear a response I figure it maybe got lost in the mail so I sent it certified mail I have the reciept with the tracking number that I will upload, The credit bureaus have yet to respond and it has been more than 30 days and I have not gotten one piece of mail with a response also I was currently incarcerated and did not come home until XX/XX/XXXX these account where open while I was incarcerated how is that possible this grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 602 A and 15 U.S.C 1681 Section 604 A Section 2. The Law clearly states I have the right to privacy and states that a consumer reporting agency can not furnish an account without my written consent or instructions. I have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (OH)

In XX/XX/XXXX XXXX  I called several times to resolve this matter to delete inaccurate names addresses employments off my consumer report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual to submit my name, address, employment, or phone number. Additionally, I have not given XXXX, XXXX, Experian permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. The reporting of the inaccurate names, addresses, and employments has violated FCRA Section 607, which requires that only accurate information be reported in a consumers report. Per 15 USC 1692J No one may design, compile and/or furnish any form which creates the false impression that someone other than the creditor is participating in the collection of a debt. The use of these false names addresses employments are given false impressions. I am completely aware that each violation is {$1000.00}, I am prepared to seek litigation for the pain and suffering that this inaccurate misleading information has caused me. I will upload proof of my full name and my accurate address where I want all my disputes sent to the same address.
Consumer complaint received 2023-04-01
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. (IL)

About 1.5 months ago, I applied for a credit card with XXXX XXXX to improve my credit score. I've read and have been advised that getting a credit card would actually boost my score. So after applying, XXXX XXXX approved me for {$1000.00} by issuing me a credit card. Then around the end of XX/XX/2023, XXXX XXXX reported to Experian and XXXX ( and perhaps XXXX ) that I was issued the card/credit. I expected that would happen, with the expectation that it would ultimately increase my credit scores. However, the reality is that both Experian and XXXX actually decreased my score, Experian by XXXX  points, and XXXX by XXXX. I called XXXX XXXX, first, to check into the matter. They advised me to contact the credit reporting agencies. So I then contacted XXXX. They told me there's nothing they could do to increase my score at this time and that it would take some time for it to go back up XXXX  points. I then asked them why my score was lowered XXXX  points by applying for credit through XXXX XXXX, whereas they only lowered my score XXXX points when I applied for credit with XXXX XXXX XXXX. They told me that there's a bigger ( negative ) impact on my credit score with XXXX XXXX because they're a bigger company. 

I'm livid. I not only applied for credit because I needed extra cash, but also with the notion that my credit scores would actually improve. This business practice is misleading. How is it that major credit card companies PLUS these credit bureaus tell consumers to take out more credit to improve their scores when, in actuality, there is a price to pay -- i.e., major decreases in their scores at the onset due to hard pulls on their credit reports? Had I known about this shady practice, I would NOT have applied for credit at XXXXl XXXX. 

As a result of this, I now have to wait a long time for my scores to go back up. And when I checked XXXX XXXX 's simulator, it indicated that paying off my credit card within 6 months would only increase my XXXX score by XXXX  points at best, if at all. 

There's something so wrong with this. I feel I've been cheated.
Consumer complaint received 2023-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland Credit Management Inc sued me on XX/XX/XXXX about a credit card where the last payment was made in XX/XX/XXXX. The statue of limitation for Utah is 4 years. I am living solely on VA XXXX benefits.
Consumer complaint received 2024-07-18
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. (CT)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to follow up on my previous dispute regarding the inaccuracies in the account information listed under account number XXXX on my credit report. Despite your initial investigation, the information remains incorrect, and I respectfully request a thorough reinvestigation. 

The discrepancies in my credit report are as follows : XXXX XXXX : The report indicates a charge-off ( CO ) status for each month from XXXX to XX/XX/year>. Please verify the accuracy of these charge-off statuses, as they do not align with my payment history records. 
Status : The status is listed as " Paid, Closed. {$250.00} written off. '' This does not match the original balance of {$150.00}. Please review and correct this discrepancy. 
Original Balance : The original balance is shown as {$150.00}, yet the status update mentions {$250.00} written off. Please verify and correct the original balance. 
Last Payment Date : The report lists the last payment date as XX/XX/year>. Please confirm if this date is accurate, as it does not correspond with my records. 
I have enclosed additional documents to support my claims, including [ list of documents, such as account statements or correspondence with the creditor ]. I request that you reinvestigate these discrepancies and update my credit report with accurate information. If you are unable to verify the accuracy of the information, I kindly ask that you delete the incorrect items from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of these inaccuracies.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-18
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-09-21
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 2024-07-18
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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-18
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing in response to your recent communication regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide me with the following information : The amount of the debt : A detailed accounting of the total amount due. 
The name of the creditor : The original creditor to whom this debt is owed. 
Proof of the debt : Documentation that verifies the debt is mine, including copies of any contracts or agreements I may have signed. 
Please note that until I receive this information, I am not acknowledging that I owe this debt. Also, during the debt validation process, please cease any collection activities and communications regarding this debt as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX-TX-XXXX
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

i have been reaching out for months now because i see inaccurate information being reporting on my credit report. each credit bureau reports diffrent data which is proof that they are not 100 % accurate in their reporting. 
XXXX XXXX XXXX each bureau reports a different date of last activity XXXX XXXX XXXX You have the wrong date of last activity XXXX XXXX Please remove this late payment because its inaccurate and pulling down my credit score! 

XXXX XXXX remove due to inaccuracy - I never paid late XXXXXXXX XXXX XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX  XXXX XXXX Please remove this late payment because its inaccurate and pulling down my credit score! 

XXXX XXXX ( XXXX ) XXXX Please remove this inaccurate account because the date last active is inaccurate. 

XXXX XXXX  XXXX XXXX Wrong date of last payment
Consumer complaint received 2024-07-18
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I never gave permission to these companies to inquire about my credit report, it is really worrisome that they accessed my report without my permission which is a very clear violation of my rights. This is really frustrating and it's making me very anxious.