davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

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 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 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 2024-06-06
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. (GA)

according to the irs and unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-c ( cancellation of debt ) from the following charged off accounts listed below. 
XXXX XXXX XXXX. After checking my most recent report, the updated information stated the account was purchased by XXXX XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-c form also i informed you guys multiple times that this was due identity theft and you failed to provide me of the names and individuals who and when and how this information was verified. Which makes me think you failed to investigate this properly I'm not only demanding the 1099-c form, but I am demanding you guys do a reinvestigation. And I have attached a copy of the inaccurate discrepancies of this account. The date open is incorrect. The timing of the account is closed. ALSO NOT to mention you guys sent me a statement saying this account was deleted and then the next day it was a violation stated below reinserted Section 611 ( a ) ( 5 ) ( B ) ( ii ) ) : If the disputed information is reinserted, the CRA must notify the consumer of the reinsertion in writing within five business days. The notification must include the name, address, and telephone number of the furnisher of the information. You guys didn't send me a letter nor did you guys notify me around XX/XX/year>XXXX XXXX XXXX i got a notification form XXXX which they have now made the file unavailable to me but i still have the screenshot where they told me the account was deleted and not only that I have the phone recording where they notified me it was deleted but reinstated the next
Consumer complaint received 2023-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I want to express my concerns about how Bank of America handles unpaired payments. Instead of rejecting such a payment, Bank of America accepts the payment, reduces its amount for a fee and wires another transfer back to the original bank. 

This process takes days and leads to a charge for an accepted international payment, charge for sending money, and another charge for an international payment back to the original bank. For an international payment a typo in a secondary identification next to account number ( such as name or address ) can cost close to {$100.00}. 

On the contrary, rejecting such a payment is instant and free of charge. Accepting such a payment might go against regulatory compliance and could be considered exploitative and not in the best interest of clients.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (VA)

I am writing to express my deep concerns regarding the overwhelming influx of unsolicited phone calls I have been receiving since applying for a mortgage. The sheer volume of calls from various mortgage lenders received at all hours of the day, has not only disrupted my personal life but has also significantly impacted my ability to conduct business without interruption. In the span of just a day and a half, starting from Monday afternoon XX/XX/XXXX to Tuesday evening XX/XX/XXXX, I have received a staggering 59 calls on my personal cell phone and 43 calls on my business cell phone, totaling 102 calls, all of which have persisted from XXXX XXXX  until XXXX XXXX, and are continuing. 

I am baffled and deeply troubled by how my personal information has been disseminated so widely without my consent, just by having my credit run for my mortgage. This breach of privacy has left me feeling extremely disconcerted and vulnerable. 

I implore you to take swift and decisive measures to address this grievous breach of privacy with all three credit reporting platforms, Experian, XXXX, and XXXX. Any guidance or support your team can provide in resolving this matter would be invaluable. 

I trust that you will recognize the severity of this issue and act expeditiously to rectify the situation. 

Thank you for your attention to this matter.
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2023-05-31
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. (PA)

complaint # 1 : ( Account XXXX XXXX ) the credit bureaus are confirmed the XXXX  XXXX  account to be reporting as Accurate. I've provided proof that this account is still reporting inaccurately on my credit report. can you please help me resolve this issue by REMOVING this account from ALL of my credit reporting agencies! 

complaint # 2 : ( Account XXXX XXXX ) XXXX  XXXX  agreed to Remove the account listed if I paid the agreed amount of {$1500.00}. I am providing documents and bank statement to prove that I followed the agreed terms. XXXX  XXXX  did not hold up their end of this deal by deleting this account off my credit report I'm requesting that you please help me resolve this issue by removing this account from all my credit reporting agencies!
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. (GA)

I have disputed these accounts multiple times with all 3 credit bureaus yet they come back verified as accurate. How are they accurate if all 3 are reporting different dates last active, payment history, account status, and more? XXXX XXXX reports an account as last active on XX/XX/year> but has the date opened on XX/XX/year>. How? I do not have an account with these companies nor do I have any agreements written or verbal with them. No one can validate the debt or provide me with contracts.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My account with XXXX 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 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 those 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 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 status incorrect
Company: Experian Information Solutions Inc. (OK)

In accordance with the fair Credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiallity under 15 U.S.C 1681. 

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 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 that a Consumer reporting agency can not furnish an 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, 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 information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
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. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have tried to call, mail dispute, and online dispute these accounts to XXXX. They are refusing to remove them. I need these fraudulent accounts removed expeditiously.
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. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Hillcrest Capital, LLC (TX)

I recently reviewed the documents from my XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX, and it looks like there were some violations of the XXXX  XXXX on the loan at closing. Please review. 
I was working with XXXX XXXX at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I was not provided with the required final itemized disclosure of the actual fees, interest, and costs, that will be charged at closing before closing date. 
The lender did not sign a written acknowledgment as to the fair market value of the homestead property on the date of closing. 


-Also as stated before, I did not get notice of the XXXX XXXXXXXX XXXX XXXX before closing, which wouldve effected the closing of the loan. 
Sec. XXXX. XXXX OF XXXX FROM FORCED OR UNAUTHORIZED SALE ; EXCEPTIONS ; REQUIREMENTS FOR MORTGAGE LOANS AND OTHER OBLIGATIONS SECURED BY XXXX. ( a ) The XXXX of a family, or of a single adult person, shall be, and is hereby protected from forced sale, for the payment of all debts except for : ( f ) A refinance of debt secured by the XXXX, any portion of which is an extension of credit described by Subsection ( a ) ( 6 ) of this section, may not be secured by a valid lien against the homestead unless either : ( 1 ) the refinance of the debt is an extension of credit described by Subsection ( a ) ( 6 ) or ( a ) ( 7 ) of this section ; or ( 2 ) all of the following conditions are met : ( A ) the refinance is not closed before the first anniversary of the date the extension of credit was closed ; ( B ) the refinanced extension of credit does not include the advance of any additional funds other than : ( i ) funds advanced to refinance a debt described by Subsections ( a ) ( 1 ) through ( a ) ( 7 ) of this section ; or ( ii ) actual costs and reserves required by the lender to refinance the debt ; ( C ) the refinance of the extension of credit is of a principal amount that when added to the aggregate total of the outstanding principal balances of all other indebtedness secured by valid encumbrances of record against the XXXX does not exceed XXXX percent of the fair market value of the XXXX on the date the refinance of the extension of credit is made
Consumer complaint received 2024-03-22
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Flat Six Holdings Inc. (TX)

I accepted a title loan for {$10000.00}. However, I was mislead of the repayment terms. The interest rate is XXXX  %, and the loan reoccurs monthly. It was explained to me that this was a annual loan and could be repaid over the course of XXXX  months. I have made {$1100.00}, payments since XX/XX/year>. Which have not reduced the amount of the loan.
Consumer complaint received 2024-08-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Partners, LLC (CA)

On XX/XX/XXXX, the agency contacted my ex-spouse and at least one other family members via phone calls. Unsure how they solicited those contact information, but it was inappropriate. I do not feel comfortable sharing those information with others. When I asked about how did you get those contact information, the agent on the phone did not provide a reason.

The agent also pretended to not be calling from a debt collection agency. I had to ask explicitly " is this a debt collection agency? '' to which, she then reluctantly said " Yes ''. 

On XX/XX/XXXXXXXX XXXX XXXX  I attempted to call their toll-free number XXXX and the local number XXXX to speak to their agent about resolving the debt by making payment arrangements. Despite their letter stating the office house is M-F XXXX ( EST ), nobody answered the call. I repeated called those numbers for at least XXXX more times before their office closes at XXXX to no avail. This is a false indication of their reachable office hour as stated on the letter.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREENSKY OPERATIONS, LLC (CA)

I purchased a XXXX XXXX from the vendor in XXXX XXXX. At their suggestion I financed the purchase with a deferred payment option loan. ( the loan was granted by GreenSky ( this company is related to XXXX Bank ). The original loan was granted XX/XX/XXXX and was due XX/XX/XXXX ) Attention information Application ID XXXX Acct # XXXX The loan was suppose to be a differed interest loan ( see enclosed general purchase document with notation ref type of loan " Deferred Interest Plan '' " Total Prom Purchase Balance {$6900.00} ) See enclosed scan document I then received a bill from GreenSky See enclosed this is an attempt to collect a debt. See enclosed scan document I immediately wrote them telling them no amount should be owed due to the type of loan received. I also told them to stop sending the notices. See enclosed scan document I the received a XXXX statement with an outstanding balance above the orginal purchase balance. See enclosed scan document
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XX/XX/XXXXXXXX to file a report and Per FCRA XXXXection 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm filing this CFPB complaint that you Equifax consumer reporting agency are reporting inaccurate and incomplete information. 



15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof, you must DELETE the account listed below. 

Please be aware that automated responses or e-OSCAR verification are unacceptable for addressing this matter. A detailed re-investigation and explicit disclosure of your verification method are required as per the statutory guideline. 

I demand that the following accounts be validated or DELETED immediately : Account name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$8200.00} Account name : XXXX XXXX XXXX XXXX. 

Account number : XXXX Date opened : XX/XX/XXXX Balance : {$430.00} Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$9300.00} Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} In addition, DELETE all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. 



Under federal law, you have 30 days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.