davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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. (TX)

My account with XXXX was never late! I have had exceptional payment history with 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 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 that are reported 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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (AZ)

After much confusion, countless visits to their site, several phone calls and pure frustration, I received a letter from Lexis Nexis with a code to obtain my Consumer Dislosure Report online for 30 days. I reviewed my report but am unable to dispute the accuracy of my auto claims. I have been through their website inside and out several times only to give up and become more upset with their utter lack of transparency. LexisNexis makes it very difficult to obtain your report and impossible to dispute anything! There are 4 claims reported as comprehensive ( CP ) instead of Glass ( GL ) which have been negatively affecting my husband and I and our ablility to obatin auto insurance for 1 year now. We have 4 vehicles and needed to replace 3 of the 4 vehicles windshields and one of the vehicles windshields was replaced incorrectly and it cracked immediately and needed to be replaced again. Our insurance rates have doubled since XXXX our previous insurance company reported the 4 claims as comprehensive. I have proof that the increase in premiums is due to these claims. I called the Arizona Department of Insurance to file a complaint because being punished for comprehensive claims is illegal but they said insurance companies have a right to report the claim. My insurance broker said XXXX shouldve reported the glass claims as Glass instead of Comprehensive. I need to have these claims either removed entirely or reported as Glass immediately. I am currently considering legally seeking reimbursement of the additional cost of insurance due to this inaccuracy and neglect. 

Thank you, XXXX XXXX
Consumer complaint received 2024-06-03
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 recently reviewed a copy of my credit report and I am shocked to see that the XXXX major credit bureaus are continuing to report fraudulent, inaccurate, unverifiable accounts and information on my consumer report. This is hurting me as I am in the process of buying a home for my family. Please remove these accounts from my consumer report as they are in violation of the FCRA.
Consumer complaint received 2024-06-04
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

I went to in to get a lone for a car valued at {$23000.00} ( not including fees ), I was going to provide {$6000.00} of my own for down payment. The Bank began by verifying my information ( Itin, Id, etc ) we then proceeded to do a credit check ( XXXX ) and continued on to proof of income ( $ XXXX ). According to the bank I was " Pre-approved '' They then proceeded to ask for more verifying information I provided ( a copy of the my W-7, a copy of my 1040 and a copy of my XXXX notice ( Itin renewal ). I provided all of that. The only thing not provided was My XXXX XXXX  as they wanted to verify my legal status. The IRS classifies anyone with an ITIN as a resident alien, therefor I told them to file me as Resident Alien. After all the paperwork was completed they sent me a letter in the mail stating that they rejected me because " Unable to verify immigration or citizenship status ''. The lender only rejected me because of my XXXX XXXX, which is in violation of my human right as a consumer.
Consumer complaint received 2024-06-03
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. (SC)

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 inquiries I didn't consent to and personal information 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 never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I have recently been a victim of identity theft. Someone attempted to open a credit card using my identity for a Macys American Express Credit Card on or around XX/XX/year>. I made a FACT act request, or request for records pursuant to section 609 ( e ) of the Fair Credit Reporting Act, using the application reference number XXXX. 

However, it has been impossible to identify an address to mail this request in. I have spoken to multiple customer service representatives at Citibank, and departments and no one seems to know where to submit this request. The creditor is listed as Citibank. 

I have also mailed a request for records to Citibank and they have not responded.
Consumer complaint received 2024-07-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (IN)

I received a notification on XXXX about a debt Sold to a third-party collection agency from XXXX XXXX XXXX in the amount of {$3300.00} I have no knowledge of that account nor have I ever had an account open with XXXX XXXX XXXX XXXX XXXX XXXX have experience know months ago that my identity was stolen and I also have filed police reports due to said identity being stolen I have requested information about the debt and have not received any information in return or proof that I was the one who opened the account
Consumer complaint received 2023-09-30
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. (CA)

I am submitting this complaint to request the removal of several fraudulent inquiries from my credit reports with the Credit Bureaus Experian, XXXX, and XXXX. If you require any further information, please do not hesitate to contact me. The inquiries in question are as follows : EXPERIAN : XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-28
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. (DC)

On XX/XX/2024, I filed a dispute to update the balance of my XXXX XXXX XXXX XXXX account, which was an installment car loan. I paid the balance off ; therefore, I wanted the balance to reflect {$0.00} and paid in full. I submitted account documentation that demonstrated I paid the account in full. 

The dispute process took 30 days ; after the dispute process was over, Experian deleted my account instead of updating the balance. My credit score has now dropped because the debt to available credit has increased. This error has caused me not to receive credit for all of the on-time payments I made in the past, as well as paying the balance off. 

I called Experian 's customer service number and spoke to a representative who told me they could not assist me and that the dispute results were final.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma (PA)

On XX/XX/XXXX I made an online bill pay in the amount of {$900.00} to XXXX XXXX using the Credit Karma app. The funds have been taken out of my account but XXXX XXXX informed me that they did not receive this particular payment. I contacted credit karma on XX/XX/XXXX and asked why XXXX XXXX did not receive my {$900.00} payment. I was informed by the credit karma representative that they sent the payment to XXXX XXXX. On XX/XX/XXXX I called credit karma again regarding this payment. I told them that XXXX XXXX wants me to get an electronic transmittal form from credit karma so that they can investigate why they have not receive my {$900.00} payment. I was informed by the representative I spoke to that credit karma does not issue or have such form ; they can only provide me a bank statement. I reminded the representative that XXXX XXXX will not accept a bank statement. Knowing I wont get the form I requested I asked to dispute the payment. On XX/XX/XXXX I called credit karma once again regarding the same issue. After getting tossed around four departments, I was told that I didnt file a dispute, then you did but its closed because you didnt send us the documents we requested. I informed the representative that she was wrong, provided her with my case/dispute number and pulled up the email I received from credit karma regarding my dispute and read it to her. I also informed her that I replied to the mail and attached a pic of my state issued id ( front and back ) and a picture of my debit card. She said she can see my reply but there is no document. So I asked her to provide me with the phone number of their corporate department and she said they dont have one. I asked for this number to speak to someone else who can maybe be help me with my case or escalate it.
Consumer complaint received 2024-06-03
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)

This account has been classified as charged off since XX/XX/year>, and this designation has persisted month after month. However, it's important to note that a charged off account should not be included in active payment history. This inaccurate reporting can affect the status of limitations unfairly. Your failure to conduct a proper investigation into this matter has violated my rights. Thus, I insist on the deletion of the following account : XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CT)

My husband and I stayed at a XXXX on XX/XX/2021 ; we were charged three different amounts on the XXXX XXXX XXXX even though we only stayed at 1 Hotel. It is impossible to stay at three different hotels on the same night. We disputed the charge but they refused to remove the other two charges.
Consumer complaint received 2024-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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. (NC)

I have recently reviewed my credit report and noticed an account that was not reporting accurately. I have 1 late payment on the account that I was in fact paid on time. The consumer credit reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you to investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified, I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-03
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. (AL)

I was a victim of identity theft. Any information on my report between XXXX and XXXX does not belong to me. I am not aware of any of the derogatory items and collections. My entire report is full of fraud.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Account name ; XXXX XXXX XXXX. 
Account number : XXXX XXXX : Collection account. 
Amount : {$630.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX Status : Collection account. 
Amount : {$280.00} -- -- I never applied for this and I never lived at XXXX XXXX. I do not know where this apartment is, this is not mine and this is fraud Account name : XXXX XXXX XXXX  Account number : XXXX Amount : {$700.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX  XXXX Account number : XXXX Amount : $ {$640.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX Account number : XXXX Amount : {$2100.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX Amount : {$2800.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account : XXXX XXXX XXXX  XXXX Amount : XXXX -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Inquires are not mine and this was done without my consent. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-03
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX  XXXX
Consumer complaint received 2024-06-03
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. (WI)

I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.
Consumer complaint received 2024-06-03
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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. (IN)

I have recently initiated a dispute regarding the items in question, and I am concerned that a thorough investigation was not conducted. It appears that there has been a lack of proper investigation and a failure to provide validated proof substantiating the claim of a late payment on this account. In accordance with the requirements outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request that these accounts be promptly updated to accurately reflect the investigation 's findings or lack thereof. Your compliance with FCRA provisions is essential in resolving this matter satisfactorily.
Consumer complaint received 2024-06-21
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. (NY)

I am submitting this today to inform the credit Bureaus that I have been a victim of identity theft and to dispute certain items on my credit report. The items I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. 
XXXX XXXX XXXXXXXX Balance : -, XXXX  XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00}, XXXX  XXXX XXXX Balance : {$700.00}, XXXX  XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX XXXX XXXX {$9800.00}, XXXX XXXXXX/XX/year>