davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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. (NJ)

Dear Sir/Madam, I am writing to dispute a negative mark on my credit report that was caused by an unpaid emergency hospital visit. On XX/XX/2018, I was riding my Vespa on NJ XXXX in XXXX XXXX, XXXX  when I hit a pothole that was negligently maintained by the state of XXXX. As a result, I was thrown from my XXXX and sustained serious injuries that required immediate medical attention. 

I was knocked out conscious and taken to XXXX XXXX XXXX XXXX where I received emergency medical treatment for my injuries. I want to inform you that I was fully insured at the time of the accident and my insurance company handled the claim. Despite my efforts to pay the medical bill, I was unable to do so due to the financial hardship caused by my injuries and the associated lost wages. 

I believe that the state of XXXX  is liable for my injuries, as they were caused by a pothole on a XXXX XXXX that was not properly maintained. I have already contacted the state of XXXX  to request reimbursement for my medical expenses, and I am currently awaiting their response. 

I am requesting that you remove the negative mark on my credit report, as it was caused by an unpaid medical bill that was not my fault and was handled by my insurance company. I would also like to request that you freeze the credit reporting of this debt while I am awaiting the response from the state of XXXX. 

Please be informed that if this negative mark is not removed from my credit report, I will consider it as a violation of the Fair Credit Reporting Act ( FCRA ) and will take legal action accordingly. Also, if you fail to investigate my dispute and fail to correct any errors in a timely manner, it could also be considered a violation of the FCRA and XXXX result in penalties and fines. 

Please let me know if any further information is needed from me. I can provide the medical report and the evidence of my claim against the state of XXXX, as well as the proof of insurance. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-17
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. (DE)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

I'm sorry for writing this against Experian. I would like a refund for 3 months of use. I will have Bank Statements stating that they took funds by Automatic Payments. The reason for a refund for their false advertisement of them taking my information off the internet. I also took a screenshot of the XXXX XXXX and what they do for {$24.00}.
Consumer complaint received 2024-10-19
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. (TX)

Hello and good day, please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX
Consumer complaint received 2022-12-04
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. (FL)

A fraudulent credit card was opened in my name in XXXX of XXXX with XXXX Bank account number : XXXX. I had no choice than to settle this account with XXXX Bank collection agency XXXX XXXX in XX/XX/XXXX because I was applying for a mortgage and this fraudulent account was affecting me from getting a mortgage. I never opened any account nor received any service from XXXX Bank. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to the credit reporting agencies and they failed to remove this fraudulent charge-off account from my credit report. I also sent a certified letter to XXXX Bank requesting a debt validation and still havent received a response. Attached is proof that Ive made several attempts to get this fraudulent charge-off account removed from my credit report. I never authorized this account, please remove from my credit report immediately.
Consumer complaint received 2024-10-17
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. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was applying to jobs on XXXX and I was accepted for a remote position job on XX/XX/XXXX and began the hiring process. After going through the process I was then informed I needed to have a computer and other things and the company will provide them to me. Instead of the company sending me the required materials, they sent me a check for {$4900.00} to deposit into my account to buy the equipment. I deposited the check on XX/XX/XXXX. The next day they sent me the information of the supplier in florida to order the equipment from. I then began sending the supplier the money and they requested I send it through XXXX. Once XXXX reached its limit the supplier then began to request the remainder of money from the check in the form of gift cards from XXXX. At that point I then started to realize something was wrong and contacted Wells Fargo that I may have been scammed. The agent told me the check would be reversed and reimbursed as I had called within XXXX minutes of making those XXXX transactions. She also told me Wells Fargo would begin an internal investigation. I received a letter that they are still investigating and as of XX/XX/XXXX I have not still not heard any other response from them.
Consumer complaint received 2023-01-28
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. (MA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my 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 : 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 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

My right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what is being reported on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

I had a fraud case through XXXX XXXX and Wells Fargo and XXXX banking deposits I didnt make and I have to checks sent to me through Wells Fargo that I didnt make. And they had me take them to another bank to determine if they were fake which I already knew they were. I also have every bank statement and pictures. And they even stated over the phone the atm deposits were made in another state. I only had employment from XXXX  and XXXX XXXX and there was a charge for XX/XX/XXXX using tap pay in XXXX, GA XXXX using tap pay for {$260.00}. I tried to insert all the pictures and documents my savings has a negative balance as well. They tried to say I used the mobile banking but on the checks none of them have a signature
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I.m want to file a dispute on my credit report being mishandling by companys running my credit score with out my permission and those recent inquiries need to be removel to update my new credit reported without inquiries on my report.
Consumer complaint received 2022-12-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC (PA)

Goodleap is the lender for XXXX XXXX which went bankrupt on XX/XX/XXXX XXXX state Attorney Generals have requested all the lenders with XXXX XXXX customers suspend the loan payments. Goodleap is refusing to do that. My solar system is 100 percent nonfunctioning for close to a year now bc of installation and insulation faults. I have requested from Goodleap a letter stating that my payment not be raised in XX/XX/XXXX or XXXX/XXXX bc I havent reached the targeted balance they want by that time cause I cant afford to pay thousands extra my utility bill is very large bc of no solar Goodleap is refusing to work with its XXXX XXXX customers and ignoring the requests of 9 state AGs I havent stopped auto reg payments to Goodleap but they will not work with me to help me
Consumer complaint received 2022-12-04
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: Affirm Holdings, Inc (NC)

Beginning in XXXX this year, I noticed several errors and omissions on my XXXX credit report from Affirm. I sent XXXX a dispute based on the errors I seen. After 45 days, I checked my XXXX credit report again to notice that no action was taken on my dispute. The credit report wasn't even marked as disputed. I know XXXX received my dispute because the credit bureaus send disputes via XXXX to the furnisher of the information. I sent another detailed dispute to both XXXX and Affirm directly. This time, Affirm sent a response saying their information was submitted accurately. After another 45 days, I checked my credit report again only to see that no action was taken on my dispute, but this time it was marked as in dispute. I decided to seek professional help. In XXXX, I filed for XXXX against Affirm. They still assert their credit reporting is accurate even though it is not accurate, and months of data is missing. They hired an attorney who claims that the missing information is because of XXXX. I know that is a bunch of hogwash because if that were the case, THOUSANDS would be suing Affirm right now because of damaged credit reports. It is now XXXX, and no action has been taken by Affirm to resolve this matter. Nor Affirm or their attorney have communicated with my authorized representative in weeks. I wanted to make the CFPB aware of Affirm 's actions before I proceed with Arbitration against them, and give them one last opportunity to make this right.
Consumer complaint received 2022-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, As violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-01-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I purchased a XXXX XXXX XXXX in XXXX of XXXX. I was ecstatic that I was able to get a car loan by myself considering my credit was not the greatest at that time. I did not have a trade in as I still had negative equity that would roll over to another loan. My paperwork stated that I was only going to be paying around $ XXXX for this vehicle, but after I finally got my account set up it states over $ XXXX!!! Ive tried multiple times to lower my car payment, considering anytime I made a payment it didnt seem to make a dent in my loan. Why in the world is a car almost double the price on a loan? I tried multiple times to reach out to them to inquire about a decrease in a loan payment after I lost my job and was trying to work out a payment arrangement so I could keep my vehicle and they ended up repossessing it. Im going to have to end of claiming bankruptcy at XXXX because they were shady in the contract. The dealership also didnt help as my car salesman literally quit two days after he sold me the car. A XXXX interest rate is insane. My finance charge was {$19000.00} and amount financed was {$24000.00} and after its paid off is over $ XXXX? The math aint mathing and I felt I was taken advantage of.
Consumer complaint received 2024-10-17
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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I opened account with XXXX XXXX XXXX in XX/XX/XXXX and refinanced it in XX/XX/XXXX for no reason they are reporting a 90 day late on my credit report on XX/XX/XXXX. I couldn't have been late and refinanced and I have documentation showing all of those payments are made and the person I spoke with on the phone admitted no payments were missed but the late remains on my credit bureau. After I refinanced it and pulled more money out they started a new account and sold my account tXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX it a merger. When they did this merger I was unable to log into their online site to pay my bill that month and when an account is transferred like this they are not supposed to report late payments because of issues like this. I was out of the country and only had access online and was unable to utilize their online services. They reported another 30 day late which is stopping me from being able to refinance this account. I need CFPB to aid in removing these lates from my credit bureau so I can get away from this company and their incorrect reporting issues.
Consumer complaint received 2024-10-19
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. (CA)

Upon checking of my credit report recently - I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2022-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

I discussed my huge increase on monthly payments with a loan specialist through the mortgage holder and when I done the math on the figures he gave me it didn't add up to the amount I'm paying monthly. When I asked about the extra charge they said the didnt have a specific answer to my problem. Also I have been receiving information on them continuously adding more to the total cost. They ask me to provide documentation to prove the unexplained increasing on my payments/total cost. The most recent monthly statement has a XXXX fee that doesn't explain what it's for.
Consumer complaint received 2022-12-04
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: CLGF Holdco 1, LLC (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC Section 1681 Section 604 A Section 2 : It also states a consumer to furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-24
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. (GA)

I have several hard inquiries on my credit report from events that I am not aware of : - XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 XXXX XXXX - XX/XX/2022 - XXXX XXXX - XX/XX/2022 - 15 U.S. Code 1681q - Obtaining information under false pretenses : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.