davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

NARRATIVE I am filing this report to formally document the theft of my identity and the subsequent fraudulent activities that have severely impacted my financial standing and reputation. Over the past several years, I have become aware of unauthorized and false information being reported on my credit report by various credit bureaus. I have not given consent for these activities, and they have caused significant harm to my credit rating and personal reputation.

The following unauthorized actions have been observed : 1. **Unauthorized Credit Inquiries : ** Numerous credit inquiries have been made without my knowledge or consent. 
2. **Fraudulent Accounts : ** New accounts have been opened in my name that I did not authorize.

3. **Incorrect Personal Information : ** My personal information, including my address and employment details, have been altered inaccurately.

4. **Unapproved Transactions : ** There have been multiple transactions and charges on my existing accounts that I did not make.

5. **Unauthorized Reporting : ** There are numerous accounts being reported by credit bureaus without my consent.

These fraudulent activities have resulted in : - A significant drop in my credit score.

- Denial of credit applications and loans.

- Damage to my personal and professional reputation. - Emotional distress and financial hardship.

Upon discovering these discrepancies, I have taken the following steps : 1. Contacted the credit bureaus ( Experian, XXXX, and XXXX ) to dispute the unauthorized entries. 2. Placed a fraud alert on my credit reports. 
3. Contacted my financial institutions to report the fraudulent activities and secure my accounts. 4. Filed a complaint with the Federal Trade Commission ( FTC ).

5. Filed a complaint with the Consumer Financial Protect Bureau ( CFPB ) I am requesting a thorough investigation into this matter to identify the individual ( s ) /credit bureaus responsible for these fraudulent activities and to take appropriate legal action. I also seek assistance in rectifying my credit report and restoring my financial standing. 
I am willing to prosecute.
Consumer complaint received 2024-07-01
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)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

It took me so many attempts asking for you to stop neglecting my concerns of correcting these wrong information on my report and yet here I am again still trying because my hopes are higher that there might be some changes than the chances of you actually responding and doing something about it.
Consumer complaint received 2024-07-01
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. (PA)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (DC)

I have two Wells Fargo credit cards I had emergency and I miss payment for 4 month they close the account last year but they still charge me with XXXX $ every month I talk with them they said There is nothing they can do about it. 
I want all my interest money back the XXXX XXXX want to stole all my money Recently I payed off everything and they charge me with interest again and they dont want to stop with this crazy game I want all my interest money back please
Consumer complaint received 2024-08-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

Dear Carrington Mortgage Services, I am writing to formally dispute an inaccurate late payment report reflected on my credit report for XX/XX/year>. Upon reviewing my credit history with my loan officer, I was alarmed to discover a late payment notation for that month. I need to clarify that this report is erroneous. 

In XXXXXXXX XXXX, I sold my property, which was subsequently paid off in full. Given that the mortgage was fully settled before that month, there should be no record of a late payment for XX/XX/year>. Furthermore, I did not receive any statements during that time, potentially contributing to a misapplication of payments or a delay in processing. 

It is crucial to note that during this period, I was facing a significant medical emergency, which led to hospitalization. While I did my utmost to ensure all financial obligations were met, the medical situation may have impacted my ability to manage paperwork and payments directly. Nevertheless, this does not alter the fact that the mortgage was paid off as agreed. 

The erroneous late payment report is causing severe repercussions, including denials of credit extensions, which is unjust given my adherence to the payment schedule and the fact that the loan was entirely satisfied.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (MD)

Paid bill via their app ( which now combines several of their card products into one portal ). Paid minimum due plus an extra payment ( see screen shots attached ) via app and received payment confirmations. Web site states online payments need to be made by XXXX to be posted for the same business day. Payments made at XXXX. This morning, I find that they did not post payments to my account and tacked on a late fee when they cut my statement and show me as over my limit as a result.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Today XX/XX/year>, I called Capital One and spoke to 3 different reps requesting 90 days of payment deferment and to lower my monthly payments for a period of time. I advised them I was in a financial hardship and have medical issues. They advised they do not have any hardship programs available. They only advise they will not charge me late payments fees
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I started to run behind about 6 months ago. I initially was set up on an arrangement which I completed. Then I explained that I could not afford the monthly payments due to medical hardship. Captial One would not offer lower monthly payments or interest as other companies in fact, Captial one offered a higher monthly payment. I was advised to call back each month to see if a program was available and I get the same plan higher than my regular payment. Now I am seriously passed due and find it hard to even do business with Capital One.
Consumer complaint received 2024-08-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

This is a follow up on complaint # XXXX. 
Original description : I have tried to use this gift card at several online merchants such as XXXX and XXXX but none worked. Many other people run into same issue and this is a popular issue of this card. 
AMEX responded saying they would send me a refund check and cancelled the gift card. I still havent received the check until now. I tried to call AMEX customer service but they dont know what CFPB is and refused to help since my complaint wasnt with them originally.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re- investigation of this item as its inaccuracies severely impact my credit core.I have repeatedly asked you to verify and validate this account, your willful non compliance and negligence has once again violated my consumer rights. The following inaccuracy exist in this reporting after re-investigation. 
" Date of Last Delinquency is XXXX but the reporting states status updated XX/XX/year> per each bureau online. 

The documents attached represent a credit report pulled from freeannualcreditreport.com so dates may not reflect. I also would like to mention that I do not have an address on my credit report to match the address on file. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLY FINANCIAL INC. (GA)

I called Ally credit card services today XX/XX/year> around XXXX to request payment deferment and hardship programs. I spoke to XXXX ( ID : XXXX ) and he advised me that there are no payment deferment and hardship programs available for me.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I noticed that my bank mark-ups their exchange rate compared to the one I see on XXXX and market as if I was to pay no fees " {$0.00} '', but in reality there is a hidden fee in an inflated exchange rate. I think this is confusing for consumers and deceptive. I would appreciate it if the Bureau would put an end to this.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC. (AR)

I have an individual account and a joint account. My partner overdrew the joint account and now Ally will not let me access the funds. I called them and they said I have to bring the joint account positive before I can access funds in my individual account. I am XXXX, my partner is taking care of his XXXX mother and they will not let me use funds available in my individual account. I have to pay rent and I am about to get evicted
Consumer complaint received 2024-07-01
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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

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, Account name : XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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 2024-07-01
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. (MN)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian, XXXX, and XXXX credit report on XX/XX/year> and noticed some things are incomplete with adverse information and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-01
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX  XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXXXXXX XXXX XXXX. {$22000.00} XXXX XXXX. Open- XX/XX/XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX {$440.00} A copy of an FTC report listing the products opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Consumer complaint received 2024-07-01
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with ( XXXX/DOFED ) was never late! I have had exceptional payment history witH 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 ( 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.

( XXXX/DOFED ) 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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (LA)

XXXX, XXXX, and EXPERIAN are reporting several derogatory accounts on my Creditreport. I was in XXXX data breach where all of my information was stolen. Ive disputed this information because Im a verified fraud victim. This has caused negative reporting and a significant decrease of my credit score. Those fraudulent accounts should be removed, instead theyre being re-investigated over and over. I want those negative accounts removed.
Consumer complaint received 2024-07-01
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)

My account with ( XXXX, XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX  days before the payment due date. 


( XXXX, XXXX CARD ) 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 XXXX 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