davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (TX)

My XXXX XXXX XXXX was originally financed thru SunTrust. Within a year or so it was bought out by Truist Bank. The truck was totally around the XXXX of XX/XX/XXXX. I was told on XX/XX/XXXX. That I still owed XXXX XXXX and some XXXX to finally close this account. A made XXXX, XXXX, and in XXXX I paid the difference in the balance and the GAP payment. After my insurance paid, GAP paid and I paid the difference in GAP. I talked to several people though this entire process and not one of them ever told me that Truist will not back date to the date of loss. It is unfair. The lady I talked to on XX/XX/XXXX, told me that SunTrust did back date total loss account but Truist Bank does not back total loss accounts. The account still has interest added and will until the balance is XXXX. Their policy is to not back date any total loss account and all she could do is wave a XXXX XXXX late fee because I didnt made a full payment and the balance was not XXXX. All this time Im thinking they are going to back date the funds and not one employee told me they dont NOT one person. Why demand a total loss date when Truist Bank knew they would Never honor it. This is unfair.
Consumer complaint received 2024-09-24
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. (MD)

XXXX XXXX-was never late please remove XXXX  i do not have a XXXX XXXX account please remove XXXX XXXX  account shows a profit written off- please remove from my credit report XXXX XXXXaccount close by company-this is not my account please remove XXXXthe warranty paid of the balance of this account please remove from my credit report XXXX XXXX XXXX XXXX i have never had an account with this company
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DOB : XX/XX/XXXX | XXXX : XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Current Employer : XXXXXXXX XXXX XXXX  I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Section 605 of the FCRA : This section prohibits the inclusion of outdated information in credit reports. Please ensure that any outdated information not meeting the FCRAs timing requirements is removed.

Section 623 of the FCRA : This section requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when it is disputed by the consumer.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-04-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Fuel Capital Group (TX)

About a month ago, I opened an account with Strike on their app in hopes of being able to send and receive money with family and friends. After patiently waiting and several obscure and smart alec emails, I am still unable to use this account. The only thing that happens when I try to use the app is it displays : " we need to review your account. '' I have given up on trying to use Strike for anything. So, after officially requesting to delete my account and personal information, I received an email stating they can not do that citing the Gramm-Leach-Bliley Act ( GLBA ). I was also NEVER given to opportunity to " opt out '' of sharing my personal information since opening my account.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/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 : Payment Processed Late by the Creditor : I made the payment on time, but due to an internal processing delay by the creditor, the payment was marked as late. I have attached bank statements showing the payment date, confirming that the payment was submitted before the due date. 
System Error in Payment Posting : There was a system error on the part of XXXX XXXX which led to a delayed posting of my payment. I have included email correspondence with their customer service confirming this error. 
Inaccurate Late Fee Notification : I was not informed of any pending late fees or penalties before the payment was processed, which further proves that the delay was caused by their internal system error and not by a failure to pay 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
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Did your employee XXXX XXXX XXXX XXXX make fraudulent transactions for illegal immigration scam XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX escrow account checks in my name thanks to your employee arrangement enabled him to do it as cover of a fake loan as XXXX use my good loan paid up in full XXXXXXXX XXXX XXXXXXXX and XXXX XXXX still desperately determined to conceal the mortgage fraud. 


TO CONTINUE NOT TO ANSWER IS FRAUD IN ITSELF AND IF YOU CAN'T SIMPLY SAY NO THEN IT IS TRUE. 


The CFPB MUST FINE YOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (CA)

Alliant Credit Union is engaging in consumer-exploitive practices to increase their interest profits by placing excessive holds on deposits. They have a pattern of abusing exceptions to the XXXX  XXXX act to increase hold times. I have used Alliant solely to wire my rent monthly since XXXX as the wire process can be completed by docusign rather than wet signature. This is important for timely payment of rent as I travel frequently in my job which can delay providing a wet signature for a wire. On XX/XX/XXXX I deposited a check for {$600.00} with Alliant which was to be a portion of funds to pay my rent. On XX/XX/XXXX I could see that the funds had cleared the bank of origin- my XXXX daughters account. On XX/XX/XXXX I proceeded to initiate the wire transfer of {$4800.00} for my rent, but after completing wire security was informed that funds could not be sent because a hold had been placed on the {$600.00} deposit until XX/XX/XXXX. They transferred me to the hold department and would not release the hold. This hold is excessive and not compliant with XXXX  XXXX XXXX. No funds have been made available. They did not make {$200.00} available on the first business day and {$600.00} by the second business day. As far as I can ascertain, this check and my account meet none of the criteria that would allow an exception to XXXX  XXXX to place a longer hold. The reason given by the bank is that names dont match. My name as written by my daughter on the check matches my signature on the bank and the name of my Alliant account. They have not been able to justify the hold further or explain what discrepancy in names exists. We know they have had confirmed funds since XX/XX/XXXX. This is a pattern with Alliant. Over the last 4 years, I have noticed longer holds being arbitrarily applied, even to ACHs not just checks. Sometimes they lift them with pushback. This time they didnt. When credit unions exploit and misapply exceptions to XXXX  XXXX funds availability, it has tangible financial consequences for consumers. Consumers may incur additional interest on other obligations that they would have paid sooner if funds were available, may incur late fees on other obligations due to arbitrarily long holds on funds availability, may incur overdraft fees, or in my case may have their housing endangered due to inability to make timely rent or mortgage payments solely due to illegal or illegitimate holds on funds availability. I am a single mom with XXXX kids, XXXX XXXX XXXX XXXX XXXXXXXX. Despite having a high paying job, my rent is late solely due to Alliants consumer-exploitive practices and violations of XXXX  XXXX in pursuit of higher interest profits from preventing deposited funds from being spent or withdrawn.
Consumer complaint received 2024-09-24
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. (CA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-24
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 2024-09-24
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. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX which is a company extending offering of credit has violated my constitutional rights under 15 U.S.C. 1681. I have submitted disputes multiple times to the Credit Bureaus and to XXXX XXXX due to the improper reporting of credit and inaccuracies of my credit report. 

Account with XXXX was closed on XX/XX/year> after notifying XXXX to effectively shut the account down. XXXX notified XXXX that the account was closed on the above date. XXXX failed to notify the other Credit bureaus of the account being closed and has multiple credit inaccuracies that they have failed to address effectively violating my rights. 

Experian shows XXXX as being currently open and active and has an update on XX/XX/year>. Experian shows all payments have been made on time without issue. Experian shows that a payment made for XXXX of XXXX was not made and has no payment history. 

Due to the consistent credit inaccuracies this has affected my ability to obtain credit and has violated 15 USC and my constitutional rights. Multiple discrepancies are located on XXXX as well proving that XXXX has failed to follow 15 USC and properly report credit to protect consumers.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/XXXX of this year a letter was mailed reguarding a XXXX account from MIDLAND CREDIt. The original creditor is XXXX BANK. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2017-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I got a plus loan for my son while he was at XXXX XXXX. I never heard anything from it and thought it was underneath his loans. Had my loans consolidated and obviously parent loan was consolidated with that. Later found out it was with Navient Bank which I had never gotten any kind a notice from or anything. It is messed up my repayment. Help? 
XXXX XXXX XXXX
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. I called CFPB and you called me back apologizing saying you will update it to paid on time for month of XXXX because it was reporting error and that error is showing up on XXXX information. 
The FTC report ID number is XXXX.
Consumer complaint received 2024-09-24
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 ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit card opened at XXXX XXXX on XXXX, under the account number XXXX, a credit card with XXXX XXXX opened on XXXX, a charge card with XXXX XXXX XXXX opened on XXXX, under the account XXXX, a loan from XXXX XXXX XXXX, opened on XXXX, under the account XXXX, and a line of credit with XXXX XXXX XXXX, XXXX on XXXX, under the account XXXX, an education loan opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with the amount of {$2000.00}, and an education loan with XXXX XXXX XXXX opened on XX/XX/XXXX with the amount of {$4500.00}. These accounts have resulted in several fraudulent items and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 21 days before the payment due date. 


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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports