davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

My account with EXPERIAN 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX 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 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (DC)

I looked at my credit report today ( XX/XX/18 ) after I got an alert from one of my credit score monitoring tools and noticed I had all my MOHELA student loans listed twice I immediately called MOHELA and they said that there was a system issue and that there was nothing they could do then and there was also no timeline to resolution. 

This is impacting my credit score and needs resolved, and I believe is also violating the FCRA.
Consumer complaint received 2024-09-17
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)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX  XXXX XXXX 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 2024-09-18
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)

I disagree with with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX Account XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report with reference # XXXX for you, and the bank 's records ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Central Mortgage Funding, LLC (WI)

I have been working with Central Mortgage Funding for at least 2 months. Completed all the paperwork, paid the full amount for a home appraisal, did everything I was asked to do. There were two issues with my appraisal. 1. I have to replace the front window. The window has been ordered, and I have someone to install it. 2. I have to relocate my sand point well. This I can also do and have help to accomplish. 

XXXX XXXX of Central Mortgage Funding told me after receiving the appraisers report I should just sell the house and quit dealing with me. He has disappeared into thin air. His company also will not respond to my emails. 

This also is a legal matter as I have to refinance to get my ex wife off the loan and I have made this clear. 

I have had no response whatsoever in a week even when I have asked multiple times for information/explanation
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (TX)

My business was contacted by phone by Zwicker & Associates on XXXX XXXX, 2023. A message was left for me, XXXX XXXX, to return their call. On XXXX XXXX, 2023, Zwicker & Associates called my personal cell phone and claimed that I personally owed an alleged debt. Zwicker & Associates refused to supply any written information on the alleged debt. Zwicker & Associates forcefully tried to have all communications through electronic means, in which I strongly declined. Since five days of the initial contact, Zwicker & Associates has failed to provide any written communications, as required by law, and as requested by the consumer, via USPS mail for an alleged debt that was already paid in full.
Consumer complaint received 2024-09-18
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)

I disagree with with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX Account XXXX. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have filed multiple complaints but heard nothing from XXXX. After XXXX XXXXXXXX unlawfully withdraw $ XXXX from my Bank of America unfunded checking account ( as XXXX XXXX XXXX transaction had been cancelled 24 hours before in writing ), Bank of American then refused to file a dispute ( through XXXX, Bank Manager, BOA, XXXX XXXX, NY ), and all of my bills started bouncing. Then, BOA froze my savings account for $ XXXX. For almost a week they prevented access to both checking and savings leaving me with XXXX money, refusing to tell me what was going on, placing holds on my attempts to get the rest of my money away from BOA so XXXX XXXX couldn't unlawfully try to take it, and was lied to, repeatedly. For almost 4 days my savings account reflected a XXXX balance, yet my $ XXXX had not been received by XXXX. Both XXXX XXXXXXXX and BOA violated the Electronic Federal Transfer Act, and I want to know if your organization is going to do something about it.
Consumer complaint received 2024-09-18
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)

I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX  Account XXXX. In accordance with The Fair Credit Reporting Act, Public Law 91-506, TitleVI, section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.
Consumer complaint received 2024-10-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FORD MOTOR CREDIT CO. (TX)

XXXX from the attorneys office called and left a message on my phone that sounded suspicious. I called back to find out what it was about. She only told me it was from an auto loan debt from XXXX, but didnt have any more information. Then threatened with interest rates that have been incurred over the years. She did not want to give me any more information then hung up the phone. This supposed debt is almost XXXX XXXX XXXX that Im not aware of. This can not be legal for an attorneys office to be able to get away with this type of stuff. It has to be illegal. Please confirm or advise me what to do? Should I get an attorney and take these guys to court and sue them? Im a XXXX XXXX  XXXX XXXX veteran. This has to be illegal being on a fixed income? 

My correct cell phone number is XXXX for XXXX XXXX
Consumer complaint received 2024-10-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (GA)

I leased a car, a XXXX XXXX XXXX in XX/XX/XXXX and Ally was the Finance company. According to the lease contract, my residual owed at the end of my 36 month lease was to be {$28000.00}. All payments were made on time and we mutually agreed to extend the lease. ( Please see attached Ally Lease Doc ) On XX/XX/XXXX, I sold the car to XXXX XXXX XXXX dealership during the agreed extension period for {$30000.00}. ( Please see attached purchase agreement from XXXX ) When the XXXX dealership called Ally and requested a payoff, I witnessed Ally give the amount of {$30000.00}, which is far in excess of the contractual amount due. I suspect Ally included a sales tax. 

My concern is that when a dealer buys a car to resale, sales tax does not get payed and Ally is stonewalling me and not providing any documents or discussing the issue with me, but instead directing me to the dealership that purchased the car from me.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a business checking account with Truist bank on Friday XX/XX/year>. I funded the account with a total of {$2000.00} from the business checking I had ( XXXX XXXX  via XXXX ). Today XX/XX/year> I tried to log into my account and found it was locked due to " security risks ''. I called customer service and after some transferring around was told the bank has decided to terminate the relationship with me due to a fraud investigation ( level 2 I believe they said ) determined funds may be fraudulent. They could not provide me any other information and stated I had to wait for a letter to be mailed to me. I was in no way notified either of any of this. 

I went into a branch location to see if someone in person could help me on this same day ( XX/XX/year> ) and was essentially told the same thing. I asked what this letter is supposed to say, and she stated it may say to call them to discuss getting a check sent or to go to a branch to withdraw the funds. She even said in some cases they may not release the money.

I am now locked out of all of my businesses money with no answers. I believe this is fraud and potential theft on their part.
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (FL)

Good evening, I'm writing to you because Equifax is breaking the FCRA laws. 
I was a victim of Identity Theft and I have shown them an overwhelming amount of evidence to prove that these accounts were not opened by me.

They always say something different or give me the run around.

They deny my block of Reporting Identity Theft accounts because they claim to have verified the information with the furnisher but haven't sent me a detailed description of their procedures which breaks FCRA 611 - 15 U.S.C. 1681i.

These accounts were the only thing holding me back from obtaining a loan to save myself eviction.

There are so many violations and it just isn't fair!

I should get some type of compensation for this because Equifax clearly is just getting away with too much. 
Please make sure you deal with them promptly. I have attached my recent letter to Equifax asking for proof and even discrediting their investigation and still they deny it. 
Please help me. Thank you.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (TX)

I am writing to dispute the account # XXXX reported by Ally Financial on my credit report, as I believe this may be a case of identity theft. I do not recall taking out any loan or having any obligation with your company. Additionally, I have received no prior correspondence regarding this alleged debt, nor have I been sent any debt validation documents confirming its legitimacy.

My personal information was involved in a documented data breach, and I have attached supporting evidence for your reference. Moreover, I have not received any documents bearing my signature or identification that would bind me to this debt, which is typically required for loan agreements. 

I am requesting the immediate removal of this account from my credit report. Even if your investigation were to conclude that this account is mine, which I firmly believe it is not, the reporting of this account violates FCRA regulations. There are clear discrepancies, such as inconsistent reporting of the " date last active '' and signs of re-aging. Additionally, the reported payment history is inaccurate. You claim that I was 30 days late in both XXXX and XX/XX/year>, followed by a 60-day late payment in XX/XX/year>, and then another XXXX late payment in XX/XX/year>. This pattern is highly inconsistent and clearly erroneous. The payment history indicates that the account was charged off after being 90 days late. However, per standard industry practice, an account should not be charged off until it is XXXX days past due. This discrepancy suggests that either the law was violated by not allowing the appropriate time, or my consumer rights were infringed upon by reporting inaccurate late days. 

Your failure to accurately report this account constitutes negligence and is a violation of my consumer rights under the FCRA. I urge you to reference XXXXXXXX XXXX XXXXXXXX and promptly remove this inaccurate account from my credit report.
Consumer complaint received 2024-09-17
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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 168XXXX. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-09-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, since XX/XX/2023, I have been fighting XXXX because someone using Identity fraud was able to obtain a loan. XXXX XXXX  has XXXX XXXX DISPUTES on TRANSUNION and XXXX here CFPB but since XXXX pays transunion for advertisement. They have added the Identity theft report after I won 4 times just on transunion. I also won on all the other bureas which is why they are not listed there. 

I attempted to go back to the disputes I won and have found that transunion has changed the past. How? well they edit there previous dispute defeats to say something else. Which means they have access to the CFPB database but good thing for the internet someone always saves. I have screenshots of what was mention before ( an apology ) to what is mention now on all XXXX disputes. You guys are breaking laws left and right. keep on doing it. This will lead toa even bigger case against transunion. Good job idiots. I will not be posting those edits until i am ready to sue. We will keep these documents secure for now. Hopefully you recall what you said and can go change them all back before the case if not I will see you in claims court. Thanks for the money ahead of time. Make my life worst for something I had no control over. Piece of XXXX since there actions have lead me to lose my XXXX XXXX XXXX at all bureaus and they know its against the law. 

Even wallet hub managed to notice which i will post that image. You are not doing a good cover up job. My phone number was ported out and my system was hacked which i have proof and backed up by my bank that other IP address was accessing my account during the time of XXXX. I myself had XXXX USD stolen. which I have proof of. Do your self a favor before I sue for millions and stop breaking the law. By re-adding Identity theft on my report.