davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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. (MD)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-09-05
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)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1200.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

Late notations on my account XXXX  XXXX have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-09-05
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$480.00} - Date Opened XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/year> Unauthorized inquiries XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

We certified mailed the following letter to XXXX  on XX/XX/year>. XX/XX/year>XXXX XXXX XXXX XXXX Credit Bureau Management XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I'm writing to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to XXXX resulting in partial payments. Prior to XXXXXXXX XXXX  security breach, we made overpayments to our XXXX account through XX/XX/year> and NEVER had a late or delinquent payment. 

XXXX XXXX  security breach occurred in XXXX and lasted for weeks. I contacted XXXX and explained our dilemma with the understanding that my telephone call was noted with an extended grace period. I was surprised to find that the grace period was not extended and that XXXX falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account should be in good standing again with additional monies paid. 

Please amend and provide a good will adjustment to Experian, XXXX  and XXXX for the aforementioned reasons. Thank you.
Consumer complaint received 2020-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (PA)

I am lodging a formal complaint against asset care llc debt collector. This debt collector has reported derogatory information on my credit reports for a debt in the amount of {$1000.00} which isn't my debt. Asset care llc never sent me a dunning notice in the mail which would have gave me 30 days to dispute the validity of this debt which isn't mine. Not even a phone call. Asset care has violated the fdcpa/fcra. This is unacceptable and this is happening at the worst time possible. I am in the process of purchasing my very first home for my family and I. I am now being told this errounous account is holding me back! I am requesting this account be deleted immediately from my credit reports. XXXX, and attorney general complaints will be filed if this account isn't deleted immediately.
Consumer complaint received 2023-08-04
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: Open Dealer Exchange, LLC (CA)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I would like to dispute these inaccurate accounts on my credit report. 
Please see attached. 

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 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 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 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 2024-09-05
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 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 2024-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Ive contacted Bank of America several times about duplicate charges and the more I report this issue the more it happens, they always say its the merchant charging my account. They unable my account so that Im unable to make a claim online app. 

XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have an additional account listed on my credit report that causes me concern. I would like the below accounts reinvestigated and removed for inaccuracies. These accounts continue to severely affect my credit rating ( XXXX XXXX XXXX XXXX ) Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Please see referenced accounts below : XXXX. XXXX XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-05
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. (WA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I disputed XXXX. Also stated law accordance with the Fair Credit Reporting privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (PA)

I have XXXX student loans under UAS connect but was never informed that payments were due. They did not call, email, or send a letter informing me that payments were due. I was applying for another loan through a different company, but my credit report came back saying that I had overdue loans and i that I will not be able to receive any more loans. The credit report company said that the loan delinquencies will be on my record for the next XXXX years. So in that time I can not get any more student loans and will not be able to pay for college. I called XXXX connect to figure out why my credit report is showing loan delinquencies and they said that it was because my payments were overdue. I was never informed that payments were due and on the website for my loans it said my next payment was due XX/XX/year> so I asked why it was showing up differently on their side. I was told that I had XXXX months worth of past due payments. When I asked why I was not informed of any due payments, they said they could not contact me due to security reasons. I do not see how I was meant to know about due payments when there was no communication of such.
Consumer complaint received 2024-08-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (CA)

Hunter Warfield has Inc. has reported a debt to the credit reporting agencies without providing me with the required validation information, as mandated under 12 CFR 100.634 ( B ) ( 5 ). furthermore, I was not given any opportunity to dispute this account, as required by 12 CFR 100.634 ( a ) ( 4 ). These actions are in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). The failure of Hunter Warfield inc. to adhere to these legal requirements has caused me significant distress and has adversely affected my credit. actions constitute a clear violation of my consumer rights, and I believe they have used false and deceptive means to collect this debt.
Consumer complaint received 2024-08-23
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: OPORTUN FINANCIAL CORPORATION (TX)

On XX/XX/24 there was a hard inquiry on my credit reports from the loan company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give them my information, nor am I looking into a loan. They somehow were able to access my personal information and ran a hard inquiry against my credit without my consent, approval or authorization.
Consumer complaint received 2018-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (TX)

This Company XXXX XXXX added a collection account to my credit report that is well over seven years old. The date stated that it was opened was XX/XX/XXXX but last reported on XX/XX/XXXX.I have made multiple attempts with reaching out to this company to verify debit.I have called received hold music, email and sent a letter to verify the original creditor. On my further research, This company is NOTOROUIS for doing this to other people. They have open lawsuits as well. I sure the reason why I cant get a reply back is because this company knows that the SOL has passed! I have also reported the issue to ALL 3 CREDIT BUREAUS. 



Your Help is Needed and Greatly Appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (IN)

This account is inaccurate with Santander Consumer USA. I have a charge off on my account but they are inaccurately reporting on my credit with a XXXX XXXX  balance. The account was {$14000.00} before the vehicle was sold at auction. It was sold for {$11000.00} back in XX/XX/year>. I asked for proof of sales and all transactions of this account on XXXX XXXX. Employee stated that yes it shows that my account is closed and charged off on their end, and that they will send me copies for verification. I ask that these inaccuracies be removed immediately.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, I had received an email that my checking account was overdrawn. I check my account with JP Morgan Chase XXXX {$400.00} ( XXXX {$200.00} transactions ) was taken out of my account & spent on XXXX. I have never shopped with XXXX ever in my life. I was a victim of a scam. That morning I called Chase customer support & was able to receive my money back. However on XX/XX/XXXX, I had received the same email. The same XXXX {$200.00} transaction from XXXX was taken out of my account. I contacted Chase customer service & they told me that it looked like the transaction was done through XXXX XXXX, therefore thats why they took the money. They suggested I call Chase Claims. I did just that & they referred me to the Debit Card Fraud department & suggested I get a document from XXXX XXXX stating the transaction wasnt from me. I called the Debit card fraud department & they told me there was nothing they can do & gave me the number to Chase fraud, essentially having me run around in circles. I called XXXX Customer service although they confirmed I made no such transactions, they told me they were unable to send a document/letter stating I did not make those transactions. The next day I contacted Chase Customer service & they advice that I go on my XXXX XXXX history, screenshot purchases, then go on my Chase app & upload documents regarding my claim. Thats exactly what I did. I uploaded screenshots of my XXXX XXXX history to show that I made no such transactions. Yesterday morning, I had received an email from Chase stating that they got my documents, however no Adjustments will be made to my account. This morning, XX/XX/XXXX at XXXX XXXX  I called Chase Claims & spoke with a gentleman named XXXX. He looked through my claim & said that the documents I had uploaded were denied because it consisted of irrelevant information, there wasnt strong enough evidence to prove that I didnt make the transaction & that there was nothing he could do on his end. I have been a loyal chase customer for 4 years & I am appalled by how I am being treated in regards to this situation. Not to give a XXXX  story, however I am a XXXX  mother working full time to make ends meet, I am going through an even more stressful time now that I wont receive my {$400.00} back to help with everyday purchases/bills.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (WY)

The following account is reporting inconsistent and inaccurate information on my credit reports and is violating my federally protected rights under the fair credit reporting act states the furnisher shall report 100percent accuracy Westlake XXXX acount # XXXX is reporting inconsistent information to all 3 credit agencies XXXX XXXX and XXXX I demand them to delete this account immediately.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (GA)

About 2years ago I was contacted by XXXX as my name was used to open 10 different cable accounts fraudulently at the same time. They had sent my name to collection agencies. After going through they concluded that it was fraud wrote me a letter apologising and promising they will erase the fraudulent accounts. However going forward I see this was not done. I still get calls from the collection agencies for debt even though XXXX said they were going to remove them. I have contacted XXXX  severally and they even said in some occasions that it is not showing in their system that I owe.I have contacted the collection agencies and they are stating XXXX has to send them a letter. I have contacted XXXX and they are saying they have no record of debt but however the collection agencies are keeping the debt as a ding in my credit reports. Please save me from these wicked souls