davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent disputes to XXXX, XXXX, and Experian regarding inaccurate information reported on my credit report. In my correspondence, I listed the specific accounts in question and detailed the violations they were making to my consumer report. It has been over 30 days since I sent these disputes, and I have not received any response from any of the credit reporting agencies. I am attaching copies of all the letters I sent below for your reference.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My account with all the companies that I included on the document 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 the months that I was 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.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer 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 investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This complaint involves several issues with my credit report. 

First, the information on my report showed an account as being in collections, which it never was. When I requested a correction, instead of correcting the error, the credit bureau deleted the account entirely. Then, a week later, they re-added the account to my report and reset the dates, making it appear as if the collection status was recent. 

To address this issue, I sent a signed notarized affidavit and a police report indicating that the information was incorrect and that the account was never in collections. Despite providing this documentation, the credit bureau has failed to resolve the issue and continues to inaccurately report the account.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am now requesting proof of the previous investigation. I am asking that you send Your method of investigation, for the XXXX, XXXX and XXXX along with all the records of whom you spoke with their business addresses their name and phone number, as well as documentation that proves this was late if you can not provide me with this information, please update the account to Paid/ NEVER LATE For the month of XX/XX/year> and send me a copy of my updated credit report
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2023, shortly after midnight, I received a text from someone claiming to be my sister in law. The person said that her daughter XXXX owed some people money and they wanted it now, but she didn't have a PayPal account to send the money, and could I send it. I said that I would help, since I had a PayPal account. She first asked for {$300.00}, to be sent to a person I didn't know, then she said that didn't go through, to send {$300.00} to someone else, and another {$500.00} to that person. When I said I didn't have that kind of money in my account, I was threatened with not being able to see my brother or be welcomed to their house. I was told to transfer the money with my debit card so they would get the money right away instead of waiting a few days for the transfer. Then they asked me to buy {$1000.00} in bit coin, and to send it to a different account, I purchased the bit coin and had to add an extra {$100.00} for fees. The bitcoin didn't transfer, fortunately. When I saw my sister in law in the afternoon of that day, she had no idea what I was talking about. I immediately called PayPal to file a fraud claim, and was told that since I made the transfers of my own accord, that it was personnel, and not a business transaction, there was no fraud, and to call my bank. I tried to contact the people I sent the money to, but their accounts were gone. I called my bank, and the fraud department took the information and said they would get back to me. On XX/XX/XXXX, {$1200.00} was transferred back into my account, in the amounts of {$100.00}, {$300.00}. {$300.00}, and {$500.00}. I thought everything was settled, but sadly it wasn't. PayPal said it was a charge back, and that I owed them the money. I don't know what a charge back was, and was told that they had paid the fraudulent accounts and paid the bank as well. I told them that I was told there was no fraud so why did you give the money to the bank. No reply. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, a collection agency, and called them to say I don't owe this money, and explained what happened and why I felt I didn't owe PayPal. I was told to call PayPal and ask for records that the money was deposited into my account. Paypal Closed my account and I had no way of getting to see what had happened and to who the money went to. PayPal doesn't care that I was scammed. PayPal is a large company, and repaying someone who was scammed {$1200.00} certainly won't hurt their bottom line, and would show that they are a good company to do business with. In the meantime, I have set up monthly payments of {$25.00}. I will not do business with them again, and will be very cautious of people texting me and asking for money. Thank you. 

As I am unable to open my account, I have to access to emails I have sent to them. Also, the text I received on XX/XX/XXXX was somehow deleted.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

I am writing to file a formal complaint against Transworld Systems, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
Transworld Systems, with contact information at XXXX XXXX XXXX, XXXX, DE XXXX and phone number ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that Transworld Systems has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against Transworld Systems to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold Transworld Systems accountable for their unlawful conduct.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

AS OF TODAY XX/XX/year> XXXX XXXX XXXX XXXX RECIEVED A ALERT ON MY CREDIT XXXX XXXX. MY CREDIT REPORT FROM EXPERIAN SPEAKS FOR ITS SELF, EXPERIAN PUT A COLLECTION ON MY CREDIT REPORT WITH OUT A ACCOUNT # ALSO MY LEGAL NAME IS XXXX XXXX XXXX, XXXX LIVED AT XXXX XXXX XXXX.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX, I discovered I never received my title on a car purchased and paid off in XXXX. In addition, I learned XXXX XXXX reported me being late multiple times. I contacted XXXX and was told the payments werent 30 days late but there were late fees that were not paid. I disputed that I had acurred these charges. If I was never late on my actual car payments and paid the car off in XXXX how can XXXX report me being 30, 60, 90 and 120 days late XXXX, XXXX, XXXX & XXXX of XXXX? And not release my title. Ive called several times and all they have said is they will send me the history. But this does not correct the issue on my credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

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 2024-06-20
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)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is a two-part complaint ; this complaint is for the Bank of America XXXX I will be submitting a complaint on the law office after I obtain as much information as I possibly can. A legal order was submitted on XX/XX/XXXX from a law office in XXXX XXXX  regarding a judgment for toll violations ; I live in XXXX and never received correspondence from this law office before. 

I learned about the order on XX/XX/XXXX as I expected my paycheck that day but was met with {$0.00} in my account due to my account being frozen ; my ENTIRE paycheck was subsequently removed from my account due to the court order, which I doubt is legal as it did not seem to follow either XXXX or XXXX XXXX XXXX guidelines on garnishment, otherwise my account would still have money in it. 

I asked for a copy of the court order from the bank on XX/XX/XXXX and was refused. I was then told that I should wait 1-2 business days and the court order will be in my account documents. I was told to call the law office and was provided with the phone number and court docket number. Needless to say, I have been given the run-around by the law office so far, especially after informing them that the docket number this office gave to the bank turned up a court case for an *entirely different person. * There will be more details in the complaint against the law office. 

The court document is NOT in my account, and it is 3 business days from my initial call. I called the bank and asked if the legal department had this documentation and to provide it to me as I was told... they refused and acted as if they told me from the very beginning that the legal department would not provide that information to me. I then informed them I was lodging a complaint to the CFPB.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC (OH)

DNF Associates has failed to validate an " alleged '' debt in the amount of {$2200.00}. 

According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.