davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

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 2023-04-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CITIBANK, N.A. (OR)

In follow up to the last response you are inaccurate. There was a XXXX XXXX produced from Citibank this year XXXX despite having one department closed there are many others you speak of. 
This is out of line for a lender not to have original documentation of a loan The bankruptcy paperwork was sent along with the last complaint. 
There is no loan referenced " XXXX '' So there is a problem here for you to identify the loan. 
XXXX XXXX XXXX  dispersed the loan only. 
You are responsible for having the documentation. 
Where does it say I am moved in the primary position after XXXX XXXX Bankruptcy It is not private when I sent you the information and you have not identified your loan. 
Unless you reference precisely the loan in the bankruptcy which leads me into first position then I suspect you made an error issuing the loan in the first place and there is also an error in how you followed protocol that may be wrong. 
XXXX denies in current court proceedings this loan exists after XXXX as she paid it off. 
This loan you speak of is my own loan originated without XXXX. 
So how do you answers now. 
If it is a manual check where is the signature on the check? Paperwork? 

The issue is larger and your are creating irreparable harm to me Please respond with the correct paperwork to prove my identity on the loan and the issued check. XXXX XXXX XXXX does not keep these records and relies upon you to do your due diligence I was involved in your bankruptcy account listed in your last response and you are unable to substantiate this The account numbers do not match the bankruptcy file Please do so immediately. and the exact dollar amount What is the account number with XXXX and when did the company received the loan servicing agreement?
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
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. (FL)

After mailing Experian a dispute letter a few months back I asked them to verify the information that I listed and believed was reporting to my consumer report without the proper verification process. I asked them to provide to me any documents that may verify the validity of the information which includes any signed agreements, contracts, or receipts. In pursuance of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ), Experian must remove any information that's inaccurate or unverifiable in which them not providing the proper documentation but continue to report this information is a violation. I understand that it is their duty to be in compliance with the laws that they agreed to abide by. How can you report any account without the proper documentation but respond " verified ''? The creditors that's reporting this information never had the consent to call me numerous times about a debt that they never sent me any proof of documentations to me. I have no knowledge of who they or how they obtained my personal information without my consent. I have a right of privacy in which I believe was violated. Also they are reporting multiple personal information inaccuracies which may confuse anyone or institution that I may have dealings with in the future. They are reporting multiple addresses that I currently don't live at. My credit is being negatively impacted by the negative information that's being reported but without proper validation. Violations I believe that was committed by Experian and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1692c - Communication in connection with debt collection
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian Failed to validate and delete the following accounts under Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2 and the motion that each of these creditors provided me with a 1099-C.

the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692g, XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-16
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. (NY)

I've been wondering, how was this verified when in fact Experian was the only bureau reporting this account. Could you help me verified this? This has been affecting my SCORE since Experian is saying that it was an OPEN LATE PAYMENT ACCOUNT. I know that they are on violation of laws such as : 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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2020-08-05
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: Harpeth Financial Services, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
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. (TX)

I recently pulled my credit report and was shocked to learn that I was a victim of identity theft. I found numerous accounts on my credit report that were opened, which was not done by me. This is hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2024-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (GA)

I the consumer submitted a 1099a on XX/XX/year> to the I.R.S on a auto loan with Navy Federal Credit Union and have yet to receive my copy of the 1099 and 1099 OID to properly do my personal taxes for the Securities that were created on my behalf. 

See Attachments
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. (TN)

I went to purchase a car. The only approval I want was through the XXXXXXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX XXXX that was pulled XX/XX/XXXX. I also did authorize XXXX XXXX XXXX. I didn't authorize XXXX XXXX XXXX. They was all pulled XX/XX/XXXX. I have also didn't authorize XXXX XXXX that was pulled XX/XX/XXXX. I have reached out to all credit bureaus to settle this matter XXXX of them provided the proper steps to verify that I have personally authorize these inquiries
Consumer complaint received 2022-02-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

It has come to my attention that XXXX XXXX XXXX, XXXX have violated my rights as a consumer. Before I go forward, I want to be clear any violations under Title 15 make contract null and void & will stand in federal court. On XX/XX/2021, I did a consumer credit transaction with XXXX XXXX dealership and extended my credit with a finance charge through Capital One Auto Finance. I'm the original creditor extending my credit using my credit card ( XXXX XXXX ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. Mind you the finance charge is a total of {$12000.00} exact but this dealership and XXXX XXXX gave me a total sale price of {$44000.00} ( see attachment for Exhibit A ). That is a total of {$32000.00} charged over the sum of all charges which is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). 

I the consumer was violated pursuant to 15 USC 1662 ( 2 ) advertising a down payment of {$5000.00}. Proof is in exhibit A. 

Pursuant to 15 USC 1605 ( c ) property damage & liability insurance premiums must be included in the finance charge. Proof is in Exhibit B. 

Pursuant to 15 USC 1611 ( 3 ) that is a criminal crime. XXXX willingly and knowingly provided false & inaccurate information because these laws are public. Ignorance of the law is no excuse. The responsible party shall be fined not more than {$5000.00} or imprisoned not more than one year, or BOTH!! 

The company failed to disclose my right to rescind pursuant 15 USC 1635 ( a ). Proof is in Exhibit A-E. Failing to do so will be charged double the finance charge. 

Sadly, this is fraud, so this contract is now void. 

CEASE AND DESIST ALL COMMUNICATION UNLESS IT IS TO CURE MY REMEDY.
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. (CA)

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

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete 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 generallf, 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 2020-01-10
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: WELLS FARGO & COMPANY (NM)

I had a past due payment on a student loan I co-signed on with my now ex-spouse. My ex-spouse was in bankruptcy, did not inform me she has stopped making the payments, and the bank ( Wells Fargo ) also sent no notifications. I was only made aware by a drop in my credit score. 

I immediately contacted Wells Fargo, brought the account current, and paid the loan off in full. I raised a dispute on the reporting to credit bureaus as I was not notified of the outstanding loan. 

Wells Fargo refused the dispute and would not remove the adverse report. I then disputed the issue with each of the three credit bureaus. 

XXXX and XXXX removed the 30 day late mark and updated my report to indicate good status and the loan paid off. 

XXXX will not remove the 30 day past due indication. I have been unable to contact XXXX  further on the matter. 

I only want to have the adverse 30 day past due mark on my XXXX  report removed, as I had no indications of an issue with the loan. Since XXXX and XXXX have agreed to this, it seems reasonable that XXXX  would, but they will not discuss the matter ; Wells Fargo also will not allow follow-up discussion with the dispute.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my account, and Ive found serval discrepancies. ( I have attached supporting documents ) Different Account names Different Original Creditor names Different Account Types Different Contact Address Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the 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 ( 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 has been modified or deleted from the file of the consumer. 

In addition, on XX/XX/XXXX I sent a letter to XXXX requesting validation of account. ( I have attached supporting documentation ) In Result : NO RESPONSE This is Violation of : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character. 
Negligent On XX/XX/XXXX I provided proof to XXXX I was assaulted & my purse with my identification was stolen. I mailed in all supporting documents. Police Report File # XXXX XXXX, FTC Report # XXXX, Proof of Address, Proof of Identity. ( I have attached supporting documentation ) XX/XX/XXXX The information was received. XXXX XXXX # XXXX In Result : Information came back ACCURATE & VERIFIED XX/XX/XXXX I submitted another dispute to XXXX  ( Report # XXXX ) In result : Verified and Updated I am writing to report invalidated and inaccurate derogatory marks reported on my credit report. The information being reported is inconsistent, inaccurate & outdated. Im also writing to report negligence of FCRA violations & Defamation of character. 
My reports state that my accounts have been verified & accurate since XXXX but there are multiple discrepancies found since then & I have not seen any updated information. How has this information been verified and reported accurately? This is a direct result of negligence & defamation. In result, I have been denied loans due to this reporting. ( I have attached supporting documentation ) I am requesting this account be deleted and removed from my credit report immediately!