davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (MI)

Experian is in violation of my FCRA right 15 U.S.C. 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigation of Disputed Information Consumer reporting agency ( CRA ) must reinvestigate disputed information within 30 days ( b ) Notification of Consumer CRA must notify consumer of results of reinvestigation ( c ) Deletion of Inaccurate Information CRA must delete inaccurate information from consumer 's file ( d ) Notification to Consumer of Deletion CRA must notify consumer of deletion ( e ) Statement of Dispute Consumer may add statement to report explaining dispute 15 U.S.C. 1681e ( b ) - Furnisher Responsibilities Furnishers must : - Provide accurate information - Correct and update information - Notify CRA of disputes 15 U.S.C. 1681n - Civil Liability for Willful Noncompliance Consumer may sue for damages, including statutory and punitive damages, for willful noncompliance 15 U.S.C. 1681o - Civil Liability for Negligent Noncompliance Consumer may sue for actual damages for negligent noncompliance Remember, these rights aim to protect consumers from inaccurate information on their credit reports. If you suspect inaccuracies, review your report and dispute errors with the CRA and/or furnisher. 

XXXX XXXX XXXX Account XXXX XXXX. ) Balance Is Inaccurate & Should Be Reporting Balance As {$0.00}. 

( attached is account statement showing account was paid to {$0.00} on time! ) 2. ) XXXX Statement For This Account Isnt Available Until XX/XX/year>XXXX  & Payment Isnt Due Until XX/XX/year>, So How Is Experian Reporting A Payment For XXXX?? 

Please Update My Report Immediately!!
Consumer complaint received 2024-09-06
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)

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 2024-09-06
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)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (GA)

In XX/XX/2022 I received an alert that I have a collection account from XXXX however that cant be because I have a current account with them and I havent missed a payment from any account in over 25 years. This is not my account.
Consumer complaint received 2024-09-06
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 EXPERIAN 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 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.

EXPERIAN 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 2024-09-06
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TN)

They called me like they were XXXX support and told me they could refund my money back but instead they had me download a app where he could see my Id and all my information on my phone the transferred my XXXX to XXXX now all my money gone
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

[ XXXX ] Capital one [ Resurgent acquisition ] [ XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX ] Subject : Dispute of Hidden Fees, Account Closure, and Debt Sale Dear Capital one I am writing to formally dispute the charges and handling of my account I am deeply concerned about several issues regarding the hidden fees, the closure of my account, and the subsequent sale of my debt to a third-party debt collector. 

To provide context, on [ specific date ], I noticed a charge of {$1100.00} on my statement that was not disclosed or communicated to me. This lack of transparency is troubling and has led to unexpected financial strain. 

Furthermore, on XXXX, without prior notice or a reasonable explanation, my account was abruptly closed. This action has not only affected my credit score but has also caused significant inconvenience and stress. Following the account closure, on [ specific date ], I was informed that my debt amounting to [ $ amount ] had been sold to [ name of third-party debt collector ]. This was done without proper communication or disclosure, leaving me in the dark about the status of my debt. 

I am requesting the following actions to be taken immediately : XXXX. A detailed explanation of all the charges and fees applied to my account, including the {XXXX} charge on XXXX XXXX. An investigation into the hidden fees and why they were not disclosed appropriately. 
3. Reinstatement of my account with a clear and transparent breakdown of any legitimate charges.

4. Clarification on the sale of my debt, including the terms under which it was sold and the identity of [ name of third-party debt collector ].

5. Rectification of any negative impact this situation has had on my credit report. 

I believe that as a customer, I deserve transparency and fair treatment. I am hopeful that this matter can be resolved amicably and promptly. 

Please acknowledge receipt of this letter and provide a response within 14 days. I am confident that we can address these issues satisfactorily and restore my faith in your companys services. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

On XX/XX/XXXX, I received a foreclosure notice from my county in the amount of {$1300.00} for the XXXX  year. It did not state what type of taxes or any other years. I contacted my bank and they asked me to email the notice in. I called the county I live in and they stated that the previous years school taxes ( XXXX ) were not paid, which is why the notice went out, but on XX/XX/XXXX they were PAID IN FULL. I sent endless emails and spoke with a representative in the tax department that stated they would disregard the email and helped me understand school taxes. On XX/XX/XXXX, my school taxes ( XXXX year ) were paid to XXXX XXXX XXXX XXXX in the amount of {$3700.00}. I confirmed with the school because I work for the district on XX/XX/XXXXXXXX  that my tax check had not yet been received. In addition, on XX/XX/XXXXXXXX a check was sent out for {$1300.00} for taxes that were " unpaid '', but I had already confirmed with the county that they had been paid on XX/XX/XXXX. I called Newrez to speak with a woman who gave me a lecture on paying my taxes on time. I found out the check was mailed to the wrong address, an address that XXXX XXXX XXXX has not used in over 2 years to collect taxes. In addition, no one knows where this mysterious check for {$1300.00} went. I contacted Newrez on several occasions and could not get in touch with someone in the tax department. I sent several emails requesting phone calls. No one responded. I have filed several XXXX complaints and a complaint with thXXXX XXXX XXXX XXXX XXXX. I am currently on the phone with them and they are still refusing to cancel or stop the check that was mailed out over a month ago and refund it to my account. That money is owed to me. Nowhere in my agreement does it say I am to pay someone else 's taxes that were paid back to him in our closing agreement. 

I spoke with another supervisor who informed me they spoke with someone from the `` county tax department '' on XX/XX/XXXX who refused to give their name stating our taxes were still not paid in full. This claim is FAKE AND NOT TRUE. I have called the tax assessor, the county tax office, and spoke to the school tax professionals/collectors and they all stated they have not spoke with ANYONE from NewRez. In addition, on another phone call I was told that they can not dial out. Also, if they spoke with someone on XX/XX/XXXX, then why did they mail the check out on XX/XX/XXXX??? MY MONEY HAS BEEN MISSING FOR OVER A MONTH ALMOST TWO FULL MONTHS. PLEASE RETURN THE CHECK TO MY ACCOUNT IN THE AMOUNT OF {$1300.00}. I have more than enough evidence to prove that this company is lying and stole my money. Someone make them give it back. I will continue to file multiple complaints about this company until someone does something.
Consumer complaint received 2024-09-06
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. (NV)

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.

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 2024-08-19
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. (KY)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX, NUMBER : XXXX.
Consumer complaint received 2024-10-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUTO CREDIT USA (OH)

Glenbrook/ AUTO CREDIT USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Privacy Notice and Consumer Financial Information I am writing to formally dispute certain practices regarding my consumer financial information, as it pertains to the privacy regulations outlined in 15 U.S. Code 6802. 

According to this statute, financial institutions are required to establish and maintain the privacy of individuals ' nonpublic personal information and to provide consumers with a clear privacy notice. I believe that my rights under this law have been violated in the following ways : 1. **Inadequate Privacy Notice** : I did not receive a clear and conspicuous privacy notice as mandated, which should have informed me of the types of information collected and how it would be shared. 

2. **Unlawful Disclosure of Information** : It appears that my nonpublic personal information has been shared without my consent. I request detailed information on what data has been disclosed, to whom, and the purpose of such disclosures. 

3. **Failure to Provide Opt-Out Options** : The law provides individuals with the right to opt out of certain disclosures of their nonpublic personal information. I have not been provided with an adequate opportunity to exercise this right. 

I request a thorough investigation into this matter and a response that includes : - A copy of the privacy notice that should have been provided to me. 
- Details regarding any disclosures of my personal information made without my consent. 
- Information on how I can opt out of any further disclosures. 

Please respond to this letter within 30 days to resolve this issue amicably. If I do not receive a satisfactory response, I may consider taking further action to protect my rights. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-09-06
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 Experian a request to provide a validation of debt / assignment contract on XX/XX/year>, Instead I received the generic reply " Account information disputed by consumer ( Meets requirement of the fair Credit Reporting Act '' ) I am certain that they did not investigate my dispute, Instead they used XXXX to provide me with my final results. The debt that is on my credit report is XXXX XXXX XXXX account XXXX. I request that they provide me with the the verification of debt as I previously requested. I request that Experian provide a description of the procedure used to determine the accuracy of the debt. I also request that they include the name and phone number of anyone contacted in connection with the investigation.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2023-11-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NC)

XX/XX/, I made a purchase of {$540.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The two pieces of furniture were not picked up until XX/XX/2023. The manager, XXXX, advised me to leave the bar there to be repaired. The bar was not repaired in the store as promised so a refund of {$170.00} was given but never received by XXXX XXXX XXXX XXXX XXXXXXXX which are affiliated, one and the same. 
The recliner chair was defective, the date of purchase of the furniture was listed as XX/XX/2023 and that is not true. Also the discounts on my invoice were twice what was actually given to me. Thus, XXXX XXXX agreed via email to reimburse the entire {$540.00} for me to have a XXXX balance. XXXX XXXX claimed this had been done but I was still charged a late fee of {$29.00} even though XXXX XXXX sent emails stating the account would be refunded in full and even though I had disputed the entire amount with XXXXXXXX XXXX XXXX XXXX XXXX. I have sent the copy of emails stating the balance would be paid in full and the account would be XXXX. 

It is my understanding that XXXX XXXX is being sued in the State of Florida for the same complaints that I am filing now. The legal action is being taken by the Attorney General in the State of California for what appears to be similar corruption.
Consumer complaint received 2024-09-06
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)

I am filing a formal complaint against XXXX & Experian for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i. Despite my repeated efforts to dispute inaccurate information on my credit report, Experian has neglected their legal obligation to investigate and correct these errors promptly, causing significant harm to my financial well-being. 

XXXX XXXX XXXX XXXX XXXX : Experian Report Number : XXXXXXXX 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 : Unauthorized charges were made on this account without my consent. Despite having notified Experian, these fraudulent charges remain on my report. Attached are copies of correspondence and documentation supporting my claim. Experians refusal to investigate this matter is a clear violation of FCRA 15 U.S.C. 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This bankruptcy entry is completely false. I have never filed for bankruptcy, and the court has confirmed that they do not report to credit bureaus. Documentation verifying this is attached. Despite my clear evidence, Experian has failed to remove this inaccurate entry, which is a direct breach of their obligations under federal law. 
XXXX and Experians Violation of FCRA XXXX and Experians failure to correct these inaccuracies demonstrates a blatant disregard for the consumer protection laws outlined under the FCRA. By refusing to adequately investigate or remove these fraudulent and incorrect entries, Experian is causing undue harm and damaging my creditworthiness. This negligence is not only financially burdensome but also constitutes a violation of my rights. 

Action Requested I am requesting that the CFPB : Conduct an immediate investigation into Experians failure to comply with their obligations under the FCRA. 

Compel Experian to correct or remove the disputed items from my credit report immediately. 

Impose appropriate penalties on Experian for their ongoing failure to maintain accurate credit reports as required by law. 
Provide me with a full report of the findings and any actions taken against Experian. 
I have attached all relevant documentation, including copies of my dispute letters, correspondence with XXXX and Experian, and evidence supporting my claims. 

Conclusion XXXX and Experians refusal to adhere to federal laws protecting consumers from inaccurate credit reporting is unacceptable. I seek your assistance in holding Experian accountable and ensuring that my credit report reflects only accurate and truthful information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Recently I looked at my a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX Account Number : XXXX