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

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XX/XX/XXXXXXXX Account Number : XXXX Balance : {$8700.00} The information related to this account is inconsistent across the three major credit bureaus. Specifically, the date of charge-off for this account is reported differently : Experian reports the charge-off date as XX/XX/year> XXXX reports the charge-off date as XX/XX/year> Since this information is being provided by the same data furnisher, it should be consistent across all bureaus. The discrepancies in these dates are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which ensures that all information on a consumer 's credit report is accurate and consistent. 

I have documented and saved all my reports, as well as your previous failures to correct and delete the inaccurate information despite multiple attempts. This letter serves as an escalation of my previous attempts to have these errors corrected. 

Given the inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. Enclosed with this letter are copies of my credit reports from Experian and XXXX highlighting the discrepancies. 

Thank you for your prompt attention to this matter. Please confirm in writing that this account has been deleted from my credit report.
Consumer complaint received 2024-06-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MI)

On XX/XX/year> my credit scores dropped drastically due to a debt collection in the amount of {$7500.00} issued by XXXX XXXX XXXX. I never once had XXXX XXXX XXXX for any of their services. I called XXXX XXXX XXXX and spent hours on the phone with them and got nowhere because I had no account info as I had never had made an account to begin with. The debt collection agency is Credence Research Management, whom have a 1 star rating on XXXX due to stories similar to mine. I did not connect the debt collection agency in order to preserve my information. I called the credit bureau 's and refuted the collection the day it came in and voiced my frustration with the impact this has done to my credit. The debt collection agency never reached out to me, and now I seek to correct the situation and restore my credit status as I have been negatively impacted by an account I never made and considered late in payments for an account that is fake and not mine.
Consumer complaint received 2024-06-06
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-06
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IN)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I am writing this letter to get reassurance on an ongoing investigation. I have disputed an account that was charged off 2 times already. The first dispute was on XX/XX/XXXX of 2024. There was inaccurate information on my account that showed 2 charge offs in 2 different dates and then after the dispute the credit bureau modified it and stated it was updated. They did not remove it due to inaccurate information. The second dispute on the same account was on XX/XX/XXXX of 2024. I was able to provide a payoff letter from the 3rd party collection agency " XX/XX/XXXX '' I sent the payoff letter that stated I had no obligation of the account as part of the 2nd dispute, but was not approved for deletion and the information was remained as a charge off. They had incorrect information the first dispute and then also showed a payoff letter as proof and did not want to assist by removing the inaccurate information off my report. Please let me know if further is needed in order to have this removed off my account. 

Thank you!
Consumer complaint received 2024-06-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Tesla, Inc. (IL)

I have looked over my car contract and have found numerous federal law violations. Taken where a finance charge was involved. Furthermore, I entered into this contract taken which paid for the car. They have willingly uninformed me of these One thing about a contract is FULL DISCLOSURE 1. There was no full disclosure of my rights to rescind. 
XXXX. Failed to let me know my contract was a financial asset that paid for my car once I got it. 
XXXX. Misrepresentation of the finance charge. It is illegal for a dealership to take cash where a finance charge is in existence. Downpayment, Insurance, Fees out of pocket. 
XXXX. Failed to disclose the monetized promissory note that I signed paid off my vehicle but lied and told me a financial institution gave me a loan. 
XXXX. Told me I needed a downpayment and a certain fixed of cash down. 
XXXX. Nowhere in the contract XXXX XXXX XXXX is the lender and i have no contractual obligation with XXXX XXXX XXXX which is Auto Dealer Fraud, Securities Fraud, Wire Fraud and Mail Fraud. 
XXXX. Illegally Ignored my debt validation request and demand for proof of claim. 
XXXX. Illegally Repossessed my vehicle during debt validation of Fraud during investigation The Company Committed Fraud in this Consumer Credit Transaction and has violated several federal violations. When reading the contract, it says only me and tesla. Nowhere in the contract does it says XXXX XXXX XXXX is the lender. This is deception and deceptive business practices. I was deceived to pay over XXXX to a company I have no contractual obligations with and not to mention the vehicle was already paid in full by the monetized Promissory Note. 

I want this inaccurate information removed from my consumer report immediately because it is damaging my ability to obtain future credit every since XXXX XXXX auto that i have no contract with is reporting late payments on my consumer report. Nowhere in the contract XXXX XXXX XXXX is in the lender. Attached are supporting documents in a XXXX
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In late XXXX I had my car broken into and an XXXX was stolen. Shortly after that, I had XXXX transactions through XXXX that were not authorized by me from XX/XX/XXXX through the middle of XXXX. The amounts totaled {$14000.00}. I turned in a claim when I was sent a fraud message regarding a couple of transactions through a company called XXXX XXXX. 

I filed the claim, was told that no documentation was needed and an agent would reach out if that changed. Less than a week later, my claim was denied. I re-opened the claim when I sent in documentation supporting my claim. Was again told that an agent would be in touch if they need further information. The claim was again denied a week or XXXX later. 

I contacted Bank of America and spoke to a supervisor. They told me that the claim was being filed the incorrect way and that it was instead a billing dispute. The claim would be re-opened and a new investigation would be opened. A week or XXXX later the claim was denied again. 

I sent in more documentation on XX/XX/XXXX, including a police report. For the first time in the whole investigation, Bank of America attempted to contact the merchant on XX/XX/XXXX regarding the fraudulent charges. 

It has been over XXXX days, almost XXXX XXXX XXXX XXXX months and not once has someone from Bank of America reached out to me regarding this claim. I have called in continuously trying to get this solved. There has been absolutely no sense of urgency from anyone at Bank of America. I have asked to speak with supervisors, managers, and they all act like this isn't a big deal. It's almost {$15000.00}. That is a lot of money! 

I was never offered temporary credit during any part of this investigation.
Consumer complaint received 2024-06-06
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 XXXX XXXX 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 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 on my account 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. 


XXXX 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 2024-03-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (CA)

To Whom It May Concern, I am a XXXX agent. I made several transactions for my customers. My customers returned to me to refund money because the service stopped working and their relatives could not receive money. I made refunds through the system but did not get reimbursement from the XXXX. I made multiple calls to Customer Service when it was still working, and I was told that I would receive a check from Sigue with a refund for those transactions. So far, I have not received anything back, therefore, I am requesting my money back. I have all the reference codes they provided when I refunded those transactions. In this case, XXXX did not pay back for those refunds. All transactions took place between XX/XX/2024, and XX/XX/2024. The last requested refund was on XX/XX/2024. The total amount of unrefunded money is {$1200.00}.
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (LA)

I have been dealing with Fay Servicing for about two years. The loan status is currently in default, but this is because of fraudulent action. The original creditor admitted in writing that we were current and on time on payments, but filed foreclosure on us anyway. Foreclosure mess has been ongoing for nearly 13 years in total. The current issue with Fay Servicing is that their actions now fall under harassment. We get calls almost every week from their autodialer system, and when a Fay representative gets on the phone, they are asking me why I called them, when I didn't call them. Every time I ask them questions, I get contradictory answers. Within the first two months of speaking with Fay Servicing, I had been told no less than seven different asnwers to the question of " who owns the loan ''. It keeps changing Two weeks ago, I was told that XXXX XXXX is the investor. The week before that, Fay Servicing told me the investor was XXXX XXXX XXXXXXXX, which is a trust. I have received paperwork from Fay Servicing identifying itself as the mortgagee. This issue is currently pending before a court, and within 45 days, Fay Servicing will send me completely different answers as what they just provided to the court. Fay Servicing claims multiple different amounts owed -- as much as more than {$70000.00} difference between them. Fay Servicing has informed the court near the end of XXXX that the original promissory note had been lost many years ago ... .Fay Servicing just told me in a letter from XXXX XXXX that the note was never lost. All Fay ever does is provide dishonesty. 

Fay Servicing is bound by state and federal law to provide only TRUTHFUL responses to these questions. They are literally trying to take my property and with every new lie, the rabbit hole gets deeper and deeper.
Consumer complaint received 2024-06-06
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. (VA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Total Auto Finance (DC)

The vehicle in question was purchased on or about XX/XX/XXXX financed by TOTAL AUTO FINANCE, repossessed in the state of XXXX DC XX/XX/XXXX and sold by the same creditor TOTAL AUTO FINANCE on or about XX/XX/XXXX. The dealer and or creditor also Filed for bankruptcy by the end of XXXX on or about XX/XX/XXXX. I have not been contacted since the property was sold.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with ( XXXX ) 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 in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-06
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-24
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.