davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit card was stolen and used to purchase various goods that I did not authorize. Purchases took place on XX/XX/XXXX for {$470.00}, on XX/XX/XXXX for {$930.00}, and on XX/XX/XXXX for {$620.00}. As soon as I discovered the charges I called Bank of America to inform them of the stolen card and that these were not authorized charges. They opened up a claim, but eventually determined that I was responsible for these charges. I re-opened the claim multiple times including filing a police report on the matter and submitting it to them but they continue to attempt to hold me responsible for these stolen credit card charges despite continually advertising {$0.00} liability protection for this and all their credit cards. 

Not only are they false advertising, but they are attempting to make me pay for stolen card charges which is totally unacceptable. They will not allow me to speak with the person making this judgement to better understand the situation and won't provide me any information on specifically how this is my fault. I would never use Bank of America as your financial institution when they behave like this and abuse their customers. I hope this agency can direct BOA to rectify this matter.
Consumer complaint received 2024-08-19
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: BMO Bank, N.A. (GA)

Payed loan XXXX months early the payment was due on the XXXX of the month and late after the XXXX. I never received any late notice. 
I was months ahead within the first year. 
They billed me {$2200.00} to receive my title
Consumer complaint received 2024-07-11
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 multiple efforts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have significantly disrupted my life, causing substantial stress. I must emphasize that I never authorized this information 's association with my name, as I am an identity theft victim.
Consumer complaint received 2024-07-11
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. (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 TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-11
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)

My Rights have been violated. Experian refused to correct the issue after multiple attempts. INPROPER USE OF MY CREDIT REPORT. This Creditor has violated my rights per 15 U.S.C. 1681 section 602, 15 U.S.C 1681 section 604 and Under 15 U.S.C 1666B.
Consumer complaint received 2024-09-11
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Regards, ( redacted )
Consumer complaint received 2024-07-11
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 repeated efforts to resolve the fraudulent, inaccurate, and misleading entries on my consumer report have been unsuccessful. These items have severely disrupted my life, leading to considerable stress. I emphasize that I never authorized this information to be linked to my name, as I am a victim of identity theft.
Consumer complaint received 2024-07-11
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX IS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a
account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-11
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. (NJ)

Experian is in violation of Deprivation of Rights Under XXXX of Law and Ethical Breaches. These actions have resulted in the deprivation of constitutional rights of survivors of human trafficking, in violation of Title 18 U.S.C. 242. I have an advocate from XXXX XXXX XXXX who has assisted my affairs as a victim of XXXX XXXX. Experian has not abided by the laws and regulations set in place under 605C. I am requesting an investigation on this matter as soon as possible and for my file to be blocked in the time permitted under the XXXX.
Consumer complaint received 2024-07-11
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. (NJ)

Experian is in violation of Deprivation of Rights Under Color of Law and Ethical Breaches. These actions have resulted in the deprivation of constitutional rights of survivors of XXXX XXXX, in violation of Title 18 U.S.C. 242. I have an advocate from XXXX XXXX XXXX who has assisted my affairs as a victim of XXXX XXXX. Experian has not abided by the laws and regulations set in place under 605C. I am requesting an investigation on this matter as soon as possible and for my file to be blocked in the time permitted under the DBRA.
Consumer complaint received 2024-07-11
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. This company has not validate any debt.
Consumer complaint received 2024-07-11
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. (TN)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the Accounts and addresses I do not recognize are continued here. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX, I have never lived at these addresses and I do not know these accounts.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

*Disclaimer* I do not acknowledge ownership of this debt! I have been trying to get this removed for over 10 years with no success as this account was opened by someone else in my name. Due to the banks refusal, I was left with no other option but to let the debt age off of my credit report. The account in question is XXXX  XXXX  Account number XXXX which reported a balance of {$3200.00} and is reported as a charge-off. 
This company is continually RE-AGING this account and adding payments that do not occur. The last payment indicated is showing as taking place in XXXX of XXXX. This is absolutely impossible as I have no access or ability to make payments to this account. ( not mine ) I would like to request this account be deleted IMMEDIATELY as it has passed the 7 year mark from delinquency. Whomever was keeping this account active has not done so since XXXX so this account qualifies to be removed from my report. It is unfair for me to be penalized for over 10 years for something that was done nefariously. I have been patient in waiting for this account to age off and the practice of re-aging debt is illegal and immoral.
Consumer complaint received 2024-07-11
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)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, AND XXXX 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 2024-07-11
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 a victim of identity theft. 

FTC report attached. unauthorized and fraudulent inquries on credit report. block and remove the following unauthorized inquiries. 

Experian 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 2024-07-11
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-11-08
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and XXXX  XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX has yet to provide a full disclosure of the debt to me with wet ink signatures to validate the debt. 

XXXX XXXX has agreed to violating my rights and has removed the history of the account on Equifax, and has yet to do so on XXXX and XXXX. The entire account history should be removed across all credit bureaus entirely, including XXXX. Such information is reflected in their acknowledgment of the violation.
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX has yet to provide a full disclosure of the debt to me with wet ink signatures to validate the debt. 

XXXX XXXX has agreed to violating my rights and has removed the history of the account on XXXX, and has yet to do so on XXXX and TransUnion. The entire account history should be removed across all credit bureaus entirely, including XXXX. Such information is reflected in their acknowledgment of the violation.
Consumer complaint received 2024-07-11
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. (TN)

The credit companies are not complying with their own policies in a timely manner. I sent a letter XX/XX/year> informing them that the accounts are not mine. I received a system generated letter. I sent another letter XX/XX/XXXX and received another system generated stating that they do not believe it is me sending the letters. I have attached all personal information in letter to assure that I was the person sending the letter.
Consumer complaint received 2024-11-02
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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-07-11
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. (TN)

EXPERIAN KEEPS LISTING CO ON MY CREDIT REPORT A CHARGE-OFF IS A MAJOR DELINQUENCY. A CLOSED ACCOUNT PAYMENT STATUS CAN NOT REMAIN IN LATE STATUS. THATS EQUIVALENT TO REPORTING AS 'CLOSED/60 DAYS LATE'.IF ITS CLOSED, THEN THE PAYMENT STATUS CAN NOT BE 60 DAYS LATE OR ANY OTHER FORM OF DELINQUENCY. NO PAYMENTS ARE DUE ON A CLOSED ACCOUNT. 

THE ACCOUNT IS THE ONLY INFORMATION THAT SHOULD BE REPORTING AS A CHARGE- OFF NOT THE PAYMENT STATUS WHICH IS A SEPARATE FIELD ON THE CREDIT REPORT. 

Experian glossary of account conditions and payment status does not list anything in the payment status for CO month after month the account must cls out. 

The payment status is inaccurate the account can not remain in charge-off status month after month, the account can only charge-off one time in the payment status then the account must report cls in the payment status on a closed account by the grantor. 

The account was closed by the grantor and should not have any current updates in the payment status the account has been closed since XX/XX/year> XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA XXXX05B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-11-01
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. (GA)

I'VE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS EXPOSED IN THE XXXX XXXX DATA BREACH, AND I HAVE HAD SEVERAL UNKNOWN SCAMMERS OPEN UNAUTHORIZED ACCOUNTS USING MY INFORMATION. THIS IS CAUSING FINANCIAL HARM TO ME. I AM ALSO UNABLE TO GET A CAR LOAN OR A HOME BECAUSE OF THIS. I NEED THESE FRAUDULENT ACCOUNTS REMOVED PERMANENTLY AND IMMEDIATELY!