davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions 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 2024-09-09
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. (OH)

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all informatin with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2018, and XX/XX/2018 ). now i'm requesting you to investingate this account and update these payments to paid on time immediately. THANK you for understanding and prompt actions. Also the account has been closed to. i just want them to update that it was on time.
Consumer complaint received 2024-07-17
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. (PA)

This complaint is by me XXXX XXXX XXXX XXXX and its not by a third party. It is to inform you that my consumer rights are being Violated by the credit reporting agencies. There are several accounts being furnished on my account that I have know knowledge of. I demand that these accounts be removed immediately.
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. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXXXXXX {$260.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo opened multiple checking, savings account, credit card, or line of credit under my name without my consent, or submitted an application for a checking or savings account, credit card, or line of credit without my consent. I opened a checking na account for the first time on XX/XX/year>. Being a XXXX underage, inexperienced person, they took advantage of me. They took every penny I had. I worked at XXXX, and was dealing with my parent 's divorce, Wells Fargo had to add on and take every penny I had under these illegal unauthorized accounts. As a Wells Fargo consumer who was immensely abused by the tactics Wells Fargo used, I demand a compensation. Wells Fargo assessed fees for Overdrafts on consumer debit card purchases and ATM withdrawals at the time that the transaction settled, even if I had enough funds available in their account to cover the amount of the transaction at the time, they made it ( transaction authorization ). Overdraft fees charged debit card purchases and ATM withdrawals as Authorized-Positive Overdraft Fees. I have additional documents to provide showing proof of fraud committed by Wells Fargo.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove alleged XXXX loan from my name. Loan was returned. Balance is {$0.00}. Remove from credit. Shouldve never been added to credit due to me returning loan before it was disbursed.
Consumer complaint received 2024-07-17
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. (TX)

In accordance with Section 392.101 of the Finance Code, a third party debt collector or credit bureau may not engage in debt collection unless the entity has filed a {$10000.00} surety bond with the state. The bond must be issued by a surety company authorized to do business in Texas. 

XXXX XXXX XXXX, XXXX is not licensed to collect debt in the state of Texas.
Consumer complaint received 2024-07-18
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
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. (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 2024-07-18
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. (IL)

XXXX XXXX late payment, payment has never been late XXXX {$1300.00} XX/XX/XXXX not my account XXXX XX/XX/XXXX {$1900.00} not my account
Consumer complaint received 2024-09-09
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (KY)

I feel the need to take legal action at this point Im requesting arbitration to be started within a timely manner and Im contacting my lawyer today about Experian and XXXX  Im requesting arbitration and my demand request for arbitration was sent months ago Im done Im requesting arbitration for Experian and XXXX  asap within a timely manner Im taking legal action based off of retaliation I have the evidence to prove it I want Experian and XXXX charged with credit fraud for The malicious intent to retaliate I have the evidence Experian dont have my permission to further investigate anything on my personal credit account account until arbitration until after arbitration Experian dont have my permission to contact none of my credit card holders without my consent I want Experian charged with fraud. I got the evidence, malicious intent retaliation.
Consumer complaint received 2024-09-09
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. (OH)

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had 7 late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all informatin with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> ). i'm now requesting you to investingate this account and update these payments to paid on time immediately. THANK you for understanding and prompt actions. Also the account has been closed to. i just want them to update that it was on time.
Consumer complaint received 2023-06-09
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report.

Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 

Please fix the following accounts : XXXXTOYOTA XXXX Balance : {$2000.00} TOYOTA MTR  XXXX Balance : {$34000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Someone is using my identity in the state of XXXX, I have already reported the fraud to the state police, IRS, S.S., and the different credit companies. All new accounts are related to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I have never lived in XXXX, much less have family in that state of the nation. All these last 25 years living in the city of XXXXXXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Please remove alleged XXXXXXXX  loan from my name. Loan was returned. Balance is {$0.00}. Remove from credit. Shouldve never been added to credit due to me returning loan before it was disbursed.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

CFPB, Equifax clearly is not Following the rules, set in place by the IRS. If this account isn't removed from my consumer report, I'm gon na report them to the IRS.The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. By definition, the IRS clearly states a canceled debt or charge-off is Income. This account is inaccurate it's state from the IRS.
Consumer complaint received 2023-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (WA)

I was notified my mortgage payment is increasing on XX/XX/XXXX. Currently I pay XXXX / month, they notified me it's going up to XXXX / month. This is a XXXX dollar difference per year- they claim my shortage is XXXX. They are billing me more than the shortage. 

Also my property taxes are capped in WA at 1 % assessed value rates for the year. My rates right now are 0.92 %, but even if that has increased my total max tax payment theoretically in XXXX is lower because my assessed property value has decreased. The max is 1 % of assessed XXXX- which would be XXXX per annum and chase is quoting XXXX. They are projecting my insurance premium goes up by XXXX dollars a month - my premium is constant for the last 3 years. Nothing adds up. They say I can not recalculate this broken analysis before 2 months, which is how long I have to pay the shortage to keep my payment the same. 

They also claim they notify escrow increase in XXXX on their website. No such early notice was provided.
Consumer complaint received 2024-07-17
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. (TX)

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 2024-09-08
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: Experian Information Solutions Inc. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-12
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/year> I called TransUnion and spoke with XXXX in Consumer Relations at XXXXXXXX XXXX on this phone number XXXX. I asked her why I was charged {$0.00} for a credit score request but never received it. I also explained to her that I am unable to get an updated report via XXXX website. The last report I was able to pull from their website is from XX/XX/year>. I have been denied credit since then and I can not pull an updated report from their website. XXXX claimed that TransUnion only provides an updated report once every 30 days but on their site it states that one can be pulled every 24 hours. I was transferred to XXXX in Consumer Relations at approximately XXXXXXXX XXXX  who helped update my report information but she did not help me pull an updated report. Please see the screenshot Ive included of TransUnions website that clearly states a report is available every 24 hours which is clearly not true. They are also violating FCRA terms by not allowing me to see my report after a denial of credit.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

XXXX, XXXX I started this process. 
- Through electronic relations, I requested the mortgage being reported to be reviewed. Inaccurate information, my x-husbands was to carry the weight of the mortgage for he lived in the house. 
- The credit report changed but still remained in the report hurting my credit. 

XXXX, XXXX I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; I was on hold for over 48 hours. While I remained on hold I used 2 other phones to engage in 3 separate phone calls lasting between 3-5 hours on hold. On hold the entire time never engaging in conversation to help resolve my situation. 

I have a court order document - proving my x-husband to be the sole responsible party in this matter.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In the month of XXXX, I received a letter from XXXX XXXX XXXX XXXX telling me that the institution will be sending me a new XXXX XXXX  XXXX. I don't remember the reason, but I do remember that I was kind of confused because my card wasn't expired and I haven't report any suspicious activity neither.I believe in the month of XXXX I received my new card. 

After that I received a letter from the bank telling me that my monthly payment was pending. I was surprised because I have all my credit cards in monthly automatic minimum payment set up, but, since they sent me that letter, I checked my account and noticed that my minimum payment for {$89.00} dollars had been already processed. I thought maybe the letter was only a mistake and I disregarded the notification. 
For me, my auto-payment set up was in its place. 

On XXXX the XXXX, I received an email from XXXX XXXX and another from XXXX letting me know that I had a 30-day late payment reported to the credit agencies.

I immediately called the bank asking the reason for this action against me and the person on the phone told me that the bank had unsettled my automatic payment because they changed the credit card company that manages the bank credit card department. 

When I asked why I was not notified about that change in my set up payment made without my consent she said that she didn't know. That maybe was because they changed my credit card number. I told her that that is not a reason to throw away my set up, letting my payments uncovered without any notice. 

Then I asked her if they unilaterally undo my automatic payment, why they automatically processed one payment on XX/XX/XXXX for {$89.00} dollars in the same account making more confusing the situation for me? 
Her answer was that maybe the former company used for the bank received the payment because I had my set up payment and after that, they decided to send the payment to the new company in charge. They just made it once but maybe they can't make it again. 

I asked her : Are you serious? so that means that the bank and its credit cards companies have been doing whatever they want with my account without my acknowledgment then, suddenly they change my set up, they stop transferring payments between then and at the end they do not process my XXXX payment and decide to report my account with a 30 days late payment? 
On top of that, the bank is charging me two late payments of XXXX each. 
Her response was that she can't make nothing and recommended me to place this complaint on the credit agencies. This is what I'm doing now. 

For me, this is unfair. I was never notified that once I receive my new card, I had to make any new set up for my payments and I didn't do it. 
My payments history was clean and nice until now. 
My score credit was affected with XXXX points in one day and I need this error to be fix. 
I'm asking this bureau for your help in this matter.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''