davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
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. (NE)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 that are reported 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 XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 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
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-16
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)

EVERY MORNING UPON SEEING MY CREDIT REPORT, THESE HARD INQUIRIES ARE STILL STRESSING ME OUT AND MAKING ME XXXX XXXX. PLEASE HELP PERMANENTLY REMOVE THESE.
Consumer complaint received 2022-02-20
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. (CA)

XXXX has failed to use adequate resources other than the name only matching process. After multiple disputes, my personal identifiers have not been updated. I submitted proof of identity including a copy of my original birth certificate, social security card, XXXX  XXXX ID, current bank statement and utility bill. The date furnished is erroneous and does not belong to me. XXXX has multiple variations of social security numbers listed on my report. None of the variations are correct, which confirms my allegations of improper verification methods used to verify the accounts belong to me. Simply using the name only matching process has affected my credit worthiness and has stopped me from accessing the financial resources needed to support not only myself, but my XXXX month old XXXX XXXX. Being a domestic XXXX victim fleeing my abuser at the start of the pandemic, obtaining housing has been extremely difficult due to the inaccuracies reported on my credit report. I have submitted copies of police reports, my XXXX ID Theft report, requested security alerts and blocks to be placed on the fraudulent accounts, yet my requests have been ignored and the disputes have been verified through the data furnishers. Which XXXX explicitly lists as XXXX XXXX Solutions, I have requested a security freeze, opt-out and request for information deletion. XXXX sent a confirmation via XXXX with a security freeze pin, yet XXXX states that XXXX verified my information. I interpret that as XXXX violated my rights under the XXXX and failed to keep my personal information confidential, causing my disputes to be verified when the reports furnished contain incorrect and out dated information that needs to be deleted and blocked from my consumer reports.
Consumer complaint received 2024-07-16
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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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.

This company never sent The periodic statement along with the disclosures from section 1637 ( 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.
Consumer complaint received 2024-07-16
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)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX ; Account Number. 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 2024-10-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Vehicle was repossed while I was at work. Never received any notification of intent to reposses. Never received notification after vehicle was repossessed, didn't get tge opportunity to acquire personal belongings that was left in vehicle.
Consumer complaint received 2024-10-10
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: Exeter Finance, LLC. (OH)

I wanted to revoke my power of attorney from both parties and exercise my right to rescind XXXX XXXX XXXX which is Exeter finance LLC XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX failed to comply with the instructions I continue to give and told I did not know what I was talking about. I told both parties that their was fraudulent actively and that this was a comsumer transaction and they just ignored me I need this to be taking a arbitration as soon as possible because they are telling me that I am lieing
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I received an email from Bank of America notifying me of a significant debt. In XX/XX/year>, I visited the bank to close both my checking and credit card accounts, which had already been paid off. I informed the bank representative that I was leaving the U.S. for an extended period with no plans to return soon. After a few months abroad, I was surprised to start receiving bills via email even though I had closed everything. I called the bank for assistance, and they said they would investigate. I provided proof that I had closed the accounts and left the country before the charges appeared. However, they later informed me that they couldn't determine what happened and denied responsibility. This debt is not mine.
Consumer complaint received 2024-08-16
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-16
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)

This evening, I noticed unauthorized inquiries on my credit report, and Im unsure why they appeared. When I checked my report as usual, I was alarmed to see discrepancies that hadnt been there before. I attempted to refresh my browser, thinking it might be a technical error, but the unauthorized inquiries were still present. Because of this, Im asking for a detailed review of the documents Ive sent to ensure this never happens again.
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One credit card is trying to penalize me on something that I try to dispute. Did not want to proceed on with the dispute of my lost credit card that was used out of states. Now they aren't trying to charge me for the diligence on the credit card that was not made by me.
Consumer complaint received 2024-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Complaint against Carrington Mortgage Services Our complaints : a ) Lack of due diligence in updating our insurance information ; b ) Erroneous Report of our paperwork ; c ) harassment in collecting an invalid debt. 
d ) Violation of Consumer Fair Lending Act.

Timeline : Lack of due diligence to update our insurance information that lead to erroneous credit reporting and harassment in an attempt to collect a debt that is not valid. We paid our mortgage payment every month on time, never failed once or being late once and there has never been a gap. Evidence available upon request. 

Carrington failed o update our insurance information on four particular occasions : XXXX ) XX/XX/year> : XXXX  XXXX XXXX notification when our insurance was issued. 
we purchased insurance from XXXX  XXXX XXXX. Evidence available upon request. XXXX  XXXX XXXX, as a routine of doing business, automatically mailed a copy of our insurance information to mortgage companies. 

XXXX ) XX/XX/year> : My Phone Call My phone call I placed on, informing them that we have purchased our policy and our insurance agent information at XXXX for verification if they wished to. 

XXXX ) XX/XX/year> mailed information a Copy of the declaration was mailed to XXXX Mortgage Services LLC at XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX ) XX/XX/year> : faxed information Our insurance information was faxed from XXXX ( receipts available ) to Carrington at XXXX XXXX. 

None of these efforts were paid attention by Carrington. Our paperwork was not updated, two months after our mailed copy and 10 days after our faxed copy. 

XXXX ) XX/XX/year> I received a call at XXXX from Carrington when I personally spoke to an agent who still attempts to ask us to buy an insurance. I had informed him above facts and ask them to update our information. I was promised that they will. 

XXXX ) During this period, there were numerous calls in an attempt to ask us to buy insurance and pay the premium of the insurance Carrington purchased on our behalf.

During one call, I was told : it was the system that prompted us to call you. There is no human decision behind this. 

XXXX ) XX/XX/year>. They still did not update our information and a delinquent payment was reported to credit agencies. 

XXXX ) XX/XX/year>. They still attempted to collect a debt that incurred due to Carringtons failure to update their system with our update information. 

It seems nobody in this company cared about updating information in their systems. All they care, is to call us and ask us to pay for something that was not legitimate to incur to begin with. 

All evidence is available upon request.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I had multiple overdrafts from wellsfargo with fraud and i was responsible for having to pay these. no investigation was ever done, wellsfargo closed my account and open a new account I had the same issue when I asked if I could speak to the fraud department i was told they will call me and know every did. my money was missing via on line by the app.. I never received statements or texts msg about my account. I just recently received a correspondence from wellsfargo that my address was updated on Saturday XX/XX/XXXX  i called and person i spoke to was rude.
Consumer complaint received 2024-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX XXXX. I informed Transunion about this however, they ended up removing all of my credit cards from my credit report. 

My Advisor at XXXX had assisted with helping me create my paperwork. She added a few accounts that were opened directly by me. 

I really need these accounts reinserted on my Transunion Credit Report because they do belong to me and they were not affected while I was involved in XXXX XXXX. 

THE ACCOUNTS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reinsert these accounts on my Transunion credit report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-16
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. (MA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-16
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. (AR)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-09-16
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MN)

I had extensive XXXX XXXX done in XX/XX/year> with XXXX XXXX XXXX. I used Care Credit to charge {$6000.00} of the work. XXXX XXXX to charge the other {$5200.00} Within the first few days of getting the XXXX  done I noticed they were turning a shade of grey. They knew from day one I was not happy with the shades of my XXXX  but did not want to do the extra work. When I called them and then emailed, they originally thought it was something to do with the material the XXXX  were made from. They went back and forth with me taking weeks between each email. Asking for different angels of pictures just stringing me along. Then they just all together quit responding. They knew when they first put the XXXX  in my XXXX  how they looked. They knew because they asked me to move into another room to look at them in different lighting. You shouldn't have to change lighting for your XXXX  to look a different XXXX. That is just ridiculous. It took months to even get to talk to anyone at Care Credit. MONTHS. I finally received a call after filing several appeals and this woman had my case confused with another case. She told me they already paid XXXX XXXX and there was nothing they could do. Care Credit is a company not XXXX. She told me I should submit a claim to Consumer financial protection and report the XXXX. She could clearly see what XXXX XXXX did but technically works for Care Credit. I have since saw a new XXXX  that x-rayed my XXXX  and couldn't believe what XXXX XXXX did and how bad the margins are off. I actually have saw XXXX highly skilled XXXX  in XXXX XXXX. Both confirming the margins are off. Unreal. That means I have to get these XXXX  replaced as they are rotting from the inside out because they are not seated correctly. I spent {$6000.00} with care credit and {$5200.00} with XXXX  XXXX all at XXXX XXXX XXXX  XXXX  to get XXXX XXXX  XXXX  done. {$11000.00} and my XXXX  have to be replaced- CARE Credit is a joke