davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-12
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. (LA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It has been over 30 days, and the creditor has failed to update the information or provide any proof or documentation regarding a late payment. They have neglected to supply this information, and as such, they must delete the alleged late payments from my credit report immediately. 

Under federal law, they had 30 days to complete the investigation. Their failure to comply with this requirement mandates the immediate deletion of this item from my report. 

This matter is non-negotiable and must be resolved without further delay.
Consumer complaint received 2024-06-12
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. (TX)

I have disputed the unverified accounts since 2022 with no documents on what they verified and with who etc. I am getting false responses stating they have verified when they have not because if they had they would not change up the information often. Want accounts deleted immediately as this is causing emotional and financial distress. CFPB have not done anything also as i have disputed here multiple times with no errors deleted. Last attempt before seeking litigation all " unverified '' accounts are listed and all documents have been sent. DELETE IMMEDIATELY
Consumer complaint received 2024-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX I received communication from a company by the name of XXXX stating they owned this debt and were collecting. On XX/XX/2014 I disputed this account on my credit Due to it showing a XXXX XXXX listed and not XXXX who contacted me. Transunion and XXXX as well as XXXX XXXX responded with it meet FCRA and would remain reported.
Consumer complaint received 2024-07-25
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XXXX  XX/XX/year>, I went into XXXX of XXXX to go over my end of lease options. In doing so, it was understood that my credit was going to be ran only once as made clear by XXXX, the sales representative who was assisting in this manner. He was asked more than once if he was going to run my credit over and over again and he continued to assure me that he was not each time. He said it was a simple phone call that was going to be made to the banks so that my credit would not be ran so many times. As I am going over my credit report on XXXX and XXXX XXXX I notice I have not one but 5 hard inquiries on my report. There are XXXX hard inquiries on my credit report that were told were not going to be there by the representative that assisted, XXXX. This is wrongful use of my information and I need these inquires removed. They are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOYOTA MOTOR XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (NM)

It's been more than a year, amount is {$14000.00}. I did not sign any contract or have any business with XXXX XXXX XXXX XXXX  I have called and even sent emails regarding this and no want has provided me with any proof. I am not liable for this debt. I want it removed from my credit report. They have refused to respond to my inquiry on several occasions. This is hurting my chances of getting a better home for my family. Please I need your help
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (NC)

I have a business account with SunTrust Bank and I was charged a {$15.00} fee for a credit inquiry. I called SunTrust to inquire about this charge and I was told there was no information on the company doing the credit inquiry. The only thing they could give me was a fax number and told me to fax the company to see who ran the credit inquiry. I do n't think its fair to charge me a {$15.00} fee but you ca n't give me any information. I was told any company I am associated with can run this inquiry at anytime and they will charge me {$15.00} each time. I do n't think that 's fair.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (TX)

On or about XX/XX/XXXX, I was contacted by Marcus by Goldman Sachs by email. They said I should call them immediately. I did, and when I did, they said they had closed my account. I asked why, and they didnt provide a reason. There was about XXXX XXXX in the account at the time, and I asked when and how Id get that money back. They said they couldnt provide me those details at that time. 

The next day, I called and asked. I was told it could take up to XXXX days to get my funds, and it would be by XXXX. 

Ive since been attentive to this because this is almost all my personal savings. On the following dates this year ( XXXX ), Ive called and asked for an update : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX And all Ive been told is that, as of now, the account is still open, still frozen, and XXXX cant get the funds out until they send them back, which they cant tell me how long thatll be at this point. The entire initial interval has elapsed. This is an exceedingly nontransparent closure process and it is ridiculous that they can retain my savings for so long without oversight or accountability.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OR)

I was out of state when my chime app sent me a notification saying spot me covered your charge of {$59.00} and I was like, what? So I opened up my app n started to look through the charges since my account was drained n it shouldn't of been empty! As I was looking through charges another charge came through of like {$17.00} something I think. I didn't authorize any of these charges and when I disputed them with my.bank chime said they didn't find any fraud... I was stuck out of state until a family member could lend me money to get back home and my bank still hasn't refunded me my money even after I did a rebuttal on their decision to my dispute.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (PA)

All my funds out my account was drained nearly over $ XXXX I needed for my rent XXXX I file several dispute forms and chime just denies them saying no error occurred when I stated I never received my card never used chime online account and had my work deposit sent to chime stated repeatedly I never received my card so how can I use it or how is Im responsible for some scammer using my account without my authorization
Consumer complaint received 2024-06-12
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (IN)

I have a XXXX injury and I have been in XXXX  for the last few months, I contacted Carmax Auto Finance via phone to request a deferement extension on XXXX payments until I am home from the hospital. I spoke to a XXXX Who claimed she was a supervisor. Per XXXX I had To Pay {$360.00} in order to qualify for this deferrment to cover XXXX payment. I Sent my sister into to Carmax to pay {$370.00} XXXX. I called XXXX Back to Verify the payment was received she said yes and she would put in for my 2 month deferement she then advised that I would be back on track and the next payment would be due by XX/XX/XXXX with a XXXX  Day Grace Period. I Had My sister with me on the phone and she wrote down what XXXX Advised me to do so I could qualify for the deferement. On XX/XX/XXXX I got a threatening email that I had to pay for XXXX payment or my car would be repossessed. I specifically explained to XXXX that my daughter drives and needs that car for school she gave me her word the XXXX deferments would be approved. They were not she did not honor what she advised me. I called back spoke to a XXXX and she give me her word she would pull the call I never heard back from her and she left a note on my account that the declined deferement stands. This company is extremely dishonest they promote to call them if you are having a financial hardship and when you do they do not help you. They will not waive any late fees, They will not let you change your due date and they are dishonest when you ask for a deferrement. I offered to fax in Proof that I am under my doctors care treating for a XXXX injury they told me it was not neccesscary. I also advised them that my husband was now deceased and I am now down to XXXX income they do not care. I wanted to bring this information to your attention because they do not honor what they are advising their customers. I trusted XXXX knew what she was doing. I would like them to provide a transcript of the call where XXXX promised me I would get XXXX deferements on the car to help me until I am out of the hospital. A company should honor what their supervisors tell consumers its not right to treat people this way. I explained to this woman in grave detail that I have a permanent XXXX that affects my spine and she was dishonest with me the entire time. She did not even have the decency to call me back and let me know that the deferments were not approved. That is incredibly evil to treat people this way. They offer services they do not provide
Consumer complaint received 2024-06-12
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-06-12
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. (FL)

I'm writing you today to dispute negativity on my credit report. The following accounts listed below do not belong to me and need to be deleted or blocked. 

XXXX XXXX XXXX and XXXX XXXX XXXX. 
In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the items but need you to assist in the process. I'm including these reports in my letter to help substantiate my claim.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX  Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy. 

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 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (PA)

LVNV and XXXX are reporting very different things on my credit report about account XXXX. I have tried in the past to have this corrected and all I get is invoices in the mail from accounts from an address I never lived at. 
I want this account removed from my credit report for inaccurate information, inconsistent information, and unverified information. As you can see, everyone is reporting something different about the same account. All have different open dates, the balance is different on all of them, the report dates are different on all of them, the active dates are different on all of them, and they all show different payment history. How can everyone be reporting something different about the same verified account? They can all be wrong, but they can't all be right!
Consumer complaint received 2024-06-12
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)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-12
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-12
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 XXXX XXXX XXXX  XXXX never late! I have had exceptional payment history witH 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 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 XX/XX/XXXX to XX/XX/XXXX 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. 


XXXX XXXX XXXX  Never XXXX 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 2024-06-12
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. (AL)

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  XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-12
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. (GA)

I sent a letter on XX/XX/year> to the credit bureaus requesting that the XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.