davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX, Account name : XXXX XXXX date : XX/XX/XXXX, Account name : XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts 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 to be removed/updated. 

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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-18
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. (GA)

I am writing to dispute an unauthorized inquiry on my credit report made by XXXX XXXX XXXX XX/XX/year>. This inquiry was conducted without my consent or authorization. 

I visited XXXX XXXX XXXX XXXX stated date with a prequalification offer and did not authorize any credit check beyond the terms of that offer. However, during my visit, the sales representative proceeded to run my credit without my explicit consent. 

I request an investigation into this matter and the immediate removal of the unauthorized inquiry from my credit report. Enclosed are copies of my credit report highlighting the disputed inquiry, as well as any relevant documentation supporting my claim. 

I appreciate your attention to this matter and kindly request your assistance in resolving this dispute promptly. Please keep me informed of the steps being taken to address this issue. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BMW Financial Services NA, LLC (NC)

I leased a car from BMW for 3 years and never once had a late payment. At the end of my lease I sold my car back to BMW and they gave me a check. Apparently there was a closing cost that I was not aware of, and Im not sure why they wouldnt just subtract that cost from the check they handed me. A month after selling back to BMW i moved so I was not aware of any mail sent to me and they did not send emails. I have since paid the {$300.00} closing cost but bmw dropped my credit score a significant amount and told me that for the next 7 years they will have a late payment status on my credit report. My credit score was XXXX and is not XXXX because of this and I am unable to raise it again. I have no late payments and have never missed a payment so I feel that this is a misrepresentation of my credit score.
Consumer complaint received 2023-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC (TX)

This is for Zelle. If you get a new phone and all of the mobile apps have to download again ( mine from XXXX ) then Zelle counts you as having a new account even if you have had one for many years. Zelle now wants you to wait 30 days. This is ridiculous when you have ongoing transfers nearly everyday. 

Zelles customer support refuses to talk with you which is another problem. They want you to call your bank when its not the banks policy nor nothing the bank can do about it nor can they even call Zelle themselves. 

Also I notice this issue has spun off Zelle scams on the internet which need to be taken down!!! See these fake websites where someone answers and wants you to install software on your phone do they have access to it. Please get this to the FBI!! 

XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CA)

Account # XXXX & Account # XXXX This complaint is a REBUTTAL to a response from MIDLAND CREDIT MANAGEMENT dated XX/XX/year> regarding a dispute on the above accounts & also previous disputes regarding these accounts. 

You've responded to my previous DISPUTE with a statement stating that you have reported accurate information. First of all, I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for. 

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and MIDLAND CREDIT MANAGEMENT are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - MIDLAND CREDIT MANAGEMENT is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE
Consumer complaint received 2024-06-18
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 have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT.. 
THIS COLLECTION ACCOUNT - XXXX XXXX ACCT # XXXX
Consumer complaint received 2024-06-18
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. (MO)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I 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, dated XX/XX/year>. I'm now requesting an investigation into this account and an immediate update of these payments to " paid on time. '' Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-18
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. (MS)

PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-06-18
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. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-18
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)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-18
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. (NY)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2600.00} XXXXXXXX XXXX {$210.00} XXXX XXXX XXXX {$190.00}
Consumer complaint received 2024-06-19
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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I paid off my mortgage with Nationstar Miortgage in XXXX 2015. When I called to find out what the final payment was I was informed to send a few XXXX dollars more to cover additional interest that might be due. I was sent a refund check on XXXX/XXXX/15 for {$330.00} which bounced when I deposited in my bank. I was charged a {$12.00} returned item fee by my bank. I have contacted Nationstar numerous times and was told that the check would be resent to me. Finally today I got an email from the supervisor that I spoke to who now states that someone tried to cash the check twice and that if given approval they will reissue a check. I do not understand how a financial institution can bounce a check. In addition I have not received the Satisfaction of Mortgage document which I am now told it is my responsibility to obtain. I have had numerous mortgages and I own a number of homes and have never heard of such a thing. I am always sent the document as soon as it is recorded for which a fee is charged. I do not know what else to do to get the money that is due me and the document that I need to sell the house.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST NATIONAL BANK OF OMAHA (CA)

On XXXX XX/XX/XXXX my XXXX file dropped from XXXX to XXXX an amount of XXXX points. When I read what happened on XXXX XXXX the reason was veg it did make any since the company is FNBO is used the card to buy breakfast but I paid the entire amount of in XXXX weeks, but this company reported negative on my file which made my score drop XXXX points. I will never used this company credit card every again, period! 

They also reported to XXXX which also had a negative effect, my score dropped XXXX points from XXXX to XXXX. 

I XXXX  in XXXX and this card credit limit was XXXX, it has dropped to XXXX and has never gone back up. They have asked me for my work history but other credit card company have provide me more credit. Like discover limit went from XXXX to XXXX, XXXX went from XXXX to XXXX and XXXX granted me another XXXX limited credit card, so overall have XXXX limited with XXXX. 

I never been late with FNBO I just thanks that they are an horrible company and it like im stuck with until I can get another credit card that has a higher limit.

As a comsumer I make and attempt to keep my credit under 10 % and I pay the entire amount every month I was showering my daughter but this happen which did make any since to me so I reporting them so XXXX will not be effective by this horrible company.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-19
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. (NJ)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2024-06-19
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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. (NY)

I am writing to delete the following information from my file. These items I am deleting are listed in the report. I am big team of identity theft and I did not make the charges. I reported the theft of my identity to the federal trade comission and I also have enclosed copies of the federal tray, comission identity, theft, affidavit. Please delete these Items as soon as possible.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to initiate a formal legal dispute regarding the erroneous reporting of collection accounts on my credit report, which is in direct contravention of the Fair Credit Reporting Act ( FCRA ), specifically under Sections 611 and 623. These statutory provisions mandate the re-investigation of disputed information and the accuracy and integrity of the information furnished. 

Erroneously Reported Account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Per Sections 611 and 623 of the FCRA, I demand a thorough and expedited re-investigation of the aforementioned entries and insist on the correction or deletion of these inaccuracies from my credit report. Should these entries be verified as inaccurate, it is your responsibility to rectify such information promptly. 

Please be advised that failure to address these errors satisfactorily and expediently may be viewed as willful non-compliance with the FCRA, thereby subjecting you to potential legal action.

I request immediate rectification of these inaccuracies either by removing or correcting the disputed collection entries. I further demand written confirmation of the changes made to my credit report upon the conclusion of this matter.

I expect your immediate and thorough response to this dispute within the statutory 30-day period as required by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-19
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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/year>