davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX and XXXX finance are committing auto dealer fraud and I have reported this to my states attorney general office. I purchased a vehicle from XXXX and was financed through a company called XXXXXXXX XXXX. 30 days later westlake resend the loan and XXXX assumed the loan without my written consent. XXXX changed the terms as well as forged my signature using an electronic signature. All of this was without my consent. I am not liable for a loan I didnt sign or have any knowledge of
Consumer complaint received 2024-05-29
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. (TX)

I am writing to follow up on my previous dispute letters, which were submitted on XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ) Section 605, you are required to investigate and respond to disputes regarding inaccurate information in my credit report within XXXX days. 

As of today, I have not received a response to my disputes. I kindly request that you address these inaccuracies immediately and provide me with the results of your investigation. If the disputed information can not be verified, please ensure that it is promptly removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-05-29
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-29
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)

Please consider this as my refilling complaint to the EXPERIAN for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXX.They allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-05-29
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. (FL)

XX/XX/2024 Per the ( FCRA ) as a federally protected consumer im am now opting out of any and all authrization I the consumer may have given you. Written, unwritten, verbale, and noverbal Per 15 U.S.C 6802.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2024-05-29
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)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-05-30
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NC)

I recently signed up for the American Express Delta Gold Credit Card. Upon signing up. I was given an offer for XXXX BONUS AIRLINE MILES after reaching an eligible spend of {$2000.00}. I hit this spending rather quickly after waiting to sign up for home improvements, and using the card for trips. I love the card, and XXXX XXXX. I have reviewed every word, and action of my offer terms, and I have spent every dollar correctly. Its been XXXX weeks, and still no bonus miles arriving in my account. I have called numerous times, Ive been placed on hold multiple times, Ive been disconnected on multiple times, Ive been awaiting my miles as promised in my offer. This will be my last American Express card I have. 

I want was is promised to me as would anyone else.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have disputed this several times with Experian. 
Can someone please noticeThere is NO 30 days late, then 60, 90, 120. 
I had made my payments regularly ( see above ). 
I missed the XX/XX/XXXX payment, then the following month it goes straight to 60 days late in XX/XX/XXXX? 
No, it should be 30, 60, 90, 120. 
I caught up on my payments in XX/XX/XXXX. 
XX/XX/XXXX, on time. 
XX/XX/XXXX missed payment XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX paid all money due to XXXX and was caught up on my mortgage... this should be 90 days ... NOT 120 days. 
I have attached XX/XX/XXXX and XX/XX/XXXX letters to Experian- Which they rejected and stated this was resolved. NO it is not!
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX 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 2024-07-12
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. (NY)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-05-29
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 writing to formally dispute the erroneous information currently reflected in my credit report. This account has been consistently reporting inaccurate information which is adversely affecting my creditworthiness. 

These discrepancies are not only incorrect but are causing significant damage to my credit profile, leading to unfavorable financial consequences. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies in my credit report and expect a comprehensive and timely investigation into this matter.
Consumer complaint received 2023-11-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

I received an email from TSI stating that I owed {$2500.00} to XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX, AZ from XXXX, XXXX. I lived at this complex for months after this date, and moved to a different apartment within the complex. I was never informed that there was an issue with rent and {$2500.00} is not even how much the rent was. I was never informed before anything was sent to collections either. I have an email from XX/XX/XXXX, stating I was removed from the rental agreement and was no longer responsible for any amount owed to XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX when I received an email from TSI and asked for proof of this debt. I never received any proof that this debt was owed. This debt was also during a time when XXXX XXXX were switching portals and many other tenants experienced issues. I have disputed this debt with TSI and they are just saying they are not getting a response from XXXX XXXX.
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XXXX ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST HORIZON BANK (VA)

I called XXXX XXXX XXXX at least five times last month attempting to get a settlement figure on a debt from 2014. 
Their response each time was that they hadnt finished calculating the total debt which I interpreted to mean they wanted a blank check to attempt to get as much as they for a debt they likely paid pennies on the dollar for.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (MD)

I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. 3 Credit Bureaus must update the listed account from my file. 
US DEPT ED XXXX Balance Owed : {$7900.00}.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Experian ... 

I have tried many times to log on and can not. Suddenly they do not recognize my birthdate, social security number, email and pin number. I have tried to reach a speaking human being because the " help signing on '' section of their website can't recognize me at all. Their automated phone call answering system does notifier the opportunity to talk to a human, and their automated answering service does not offer human connection options. so my question it, " Now what? ''
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I 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 it, 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. Please remove the following items from my credit report, immediately : several incorrect addresses and names
Consumer complaint received 2024-07-12
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)

I reviewed my consumer report and noticed accounts on my credit report that were not a result of any transaction initiated by me. The fair credit reporting act states that consumer reporting agencies have an obligation to report 100 % accurately and fairly. I am a victim of identity theft. The reporting of these accounts leaves me open to additional fraudulent transactions. In addition, I am now being punished for someone stealing my identity and accessing my credit report without my permission or a permissible purpose! I need this corrected immediately.
Consumer complaint received 2024-05-30
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

I believe the account is invalid. SPRINGOAKCAP needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the following accounts to be removed from my credit & their records. SPRINGOAKCAP XXXX and SPRINGOAKCAP XXXX
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

Ive contacted equifax several times since XX/XX/2019. They are able to verify my identity over the phone, but the website does not allow me access to my reports or the dispute center because the identity verification process asked me questions that were irrelivent to me like where did you open a mortgage account what is the monthly payment on this account etc. Equifax has completely locked me out of accessing my account online.
Consumer complaint received 2024-05-29
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. (NV)

XXXX XXXX DATE OPENED XX/XX/year> BALANCE $ XXXX not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). I demand account removed to prevent further Identity theft of personal information.
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

I purchased a XXXX Lexus XXXX XXXX from Lexus XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX on XX/XX/year>. When the sales manager whom I was working with for the purchase sent me the first draft of the purchase agreement, it was sent to me on XX/XX/year>, with another vehicle 's make, model, and vin number listed on the agreement, and an additional Cosmetic Coverage for Wheel Plan was added unto the agreement. I asked for an updated agreement with the correct vehicle listed for purchase and that I did not want the Optional Cosmetic Coverage for Wheel Plan, I also requested that I did not want any of the additional options or warranty coverage plans for the vehicle. On XX/XX/year>, I went to sign the loan agreement with the Financial person and noticed that he was having me complete an 'Application ' for warranty plans. I inquired and advised him that I also advised the sales manager that I do not wish to have any additional plans added for the vehicle, he advised me that it was just a normal procedural process that he will ensure that no additional coverages or plans are added. I have not made a car payment since the purchase of my vehicle, to date, because when I discovered that despite my requests they had added a Tire Protection Warranty Plan that cost {$3900.00} to my loan I did not wish to make payments when they owed me this refund. I called XX/XX/year> to have this warranty cancelled. I have since followed up with the Toyota Warranty office and also Lexus Financial and also Toyota Financial to get this issue resolved. I have spoken to numerous of employees, supervisors and even conducted 3-way calls with both supervisors from these departments. The latest information I received was that although I called them on XX/XX/year> to resolve this issue, they completed processing the cancellation on XX/XX/year> and that the refund check was generated and sent out to Toyota Financial on XX/XX/year>. They are supposed to receive this refund and apply it to my payments which would take care of the entire past due amount and leave a small credit remaining on my account. It is now XX/XX/year> and it still has not been applied to my account. Meanwhile I have lost 5 hours of work hours trying to resolve this issue, and my credit is deteriorating due to Lexus not resolving this issue that they created. I believe I have been wronged and I also was told by the employee who filed a complaint against the sales manager and financial employee for creating this issue that she has filed countless complaints of other consumers who has experienced this same situation. This establishment is committing fraud against their consumers which ultimately affects not only their livelihood but their credit. Please assist with resolving this issue. It has been more than 30 days ( per their policy and procedures ) and I am still left with dealing with this issue that I should not have to deal with.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-29
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX