davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
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. (PA)

In accordance to the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX Waypoint Resource group XXXX Dept Of XXXX XXXX Has XXXX XXXX rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. 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 1681i 5 they are supposed to this ( XXXX ) treatment of inaccurate of unverifiable information. ( A ) in genera, after any investigation under paragraph ( XXXX ) of any information disputed.
Consumer complaint received 2024-10-03
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: EQUIFAX, INC. (PA)

I discovered unauthorized inquiries on my credit report this morning, and I have no idea why they're there. I routinely check my credit report, but this time there were discrepancies that appeared out of nowhere. I even tried refreshing my browser thinking it might be a glitch, but the inquiries didnt go away. XXXX really frustrated by this, and I urgently request that you thoroughly review the documents Ive submitted to resolve this issue once and for all.
Consumer complaint received 2024-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation (TX)

I have been a customer with Western Finance XXXX XXXX Texas for 2 years now. In yesterday they called me 14 times and showed up to my house. I had spoke with them to make arrangements to pay, but I ended up taking my kids XXXX XXXX XXXX. These two ladies then showed up at my house at XXXX, banging on my door.
Consumer complaint received 2024-09-15
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. (GA)

My credit report says " XXXX & XXXX years of reporting ''. This is terribly wrong. I've had credit cards and loans for years and years. For goodness sakes, I am XXXX XXXX XXXX! 

My opiinion of all credit reports are that they are absolutely " fixed '' totally without researching for the correct information. Especially for late payments and medical debt. 

Consumers are out here trying to make a living in an honest way. Why can't they be honest and correct in reporting what is honestly, lives depending on it!
Consumer complaint received 2024-09-15
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. (FL)

I recently disputed this account in XXXX of 2024 and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 

XXXX XXXX with account # XXXX Delete this erroneous account IMMEDIATELY! 
Collection account from XXXX with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX Auto Loan with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX XXXX Credit Card with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX Installment account with account # XXXX - I have never been late or missed payments on this account! Provide me provide me with records of all payments made or missed on this account.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian 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 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.

Experian 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 2022-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

On XX/XX/2021, I opened a new Checking Account at Atlantic Union Bank during a promotional period in which a new customer would receive between a {$100.00} and {$300.00} cash bonus after completing qualifying activities. I completed the qualifying activities to earn a cash bonus of {$200.00}, and the bonus has yet to be provided to me. 

On XX/XX/2021, I contacted Atlantic Union Bank via Secured Message to inquire about the status of the bonus posting ( Ticket # XXXX ). I was told by staff in their reply that [ I ] should see the deposit hit the account soon. 

On XX/XX/2021, I submitted another inquiry ( Ticket # XXXX ), where I was told the bank had contacted our product development team regarding the bonus not being applied to your account. As soon as I have a reply, I will message you. Despite receiving no reply or any additional follow up from the bank, the ticket was quietly marked resolved at some point in XXXX. Still, no bonus has yet posted. 

On XX/XX/2021, I re-opened ticket # XXXX by initiating a new reply to the message thread. In the latest response from the bank, received on XX/XX/2021, a customer service agent notes I am waiting on a reply from our marketing group that handles the bonus. They will be reviewing everything and will be getting back to me. I will message you when I hear something! 

As of the time of writing this complaint, no further communication has been received regarding this matter. 

Despite clearly meeting the terms and qualifying activities of the advertised offer, the bank has not provided the {$200.00} cash bonus they promised, and have spent the last 3+ months giving me a runaround, with inconsistent answers, and refusing to solve the issue. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-09-15
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. (MN)

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT.

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX & XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I respectfully request that the CFPB take the following actions : Investigate Experian Consumer Services for willful non-compliance with the FCRA. 
Demand the immediate deletion of the fraudulent account XXXX XXXX XXXX  ( Account Number XXXX ) from my credit report. 
Ensure that Experian provides a notarized affidavit confirming that the information reported is accurate and that their investigation was conducted in compliance with the FCRA. 


Enclosed are copies of my dispute letter, the FTC report, Thank you for your attention to this issue. I look forward to your prompt response. 

DELETE FRUDULANT ACCOUNT : XXXX XXXX XXXX  ( Account Number XXXX
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHERRY TECHNOLOGIES INC. (MI)

Cherry Inc says i owe them XXXX dollars for something I have no knowledge of. I have ask how they got my social security number when I have a block on my credit file. So I'm completely confused. Police report was filed
Consumer complaint received 2024-09-15
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. (NC)

I am writing to formally request an investigation into Experian which has reported negative information on my credit file without my consent or authorization. I have never signed any application allowing this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither Experian nor the reporting entities have provided this documentation. 
The debts in question include : XXXX XXXX  : {$680.00} XXXX XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX  : {$890.00} XXXX XXXX  : {$1600.00} XXXX XXXX : {$410.00} This raises serious concerns about Experians compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. The unauthorized reporting of this derogatory information has significantly impacted my credit score and financial standing, causing undue hardship. Under the Fair Credit Reporting Act ( FCRA ), I have not given any entity the authority to access or report information about me. Experians failure to comply with these legal requirements has caused harm to my credit standing. 
I respectfully request that the CFPB investigate this matter and take immediate action to ensure this inaccurate and unauthorized information is removed from my credit report. I have repeatedly communicated my concerns to Experian, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, Experian continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, along with proof of identity to determine who applied for these illegitimate debts.
Consumer complaint received 2024-09-15
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. (WI)

Please see attached. 

Experian is in violation of my consumer rights by an unauthorized reporting of a late payment to my consumer report. I have attached a supporting document citing FCRA law USC 1681b- Permissible purpose of consumer reports. I have reached out several times to Experian to resolve this and they refuse to adhere to my consumer rights. I would like for Experian to honor and demonstrate their commitment to the law by granting my request and removing the late payment from my consumer report. I work very hard to improve and maintain my overall credit history and demonstrate my consistency of being a credit worthy borrower. I do not appreciate that history being jeopardized and having my consumer rights violated.
Consumer complaint received 2024-08-23
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. (NC)

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 I do not recognize are continued here. 
XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXX : {$4600.00} EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00}
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

I have XXXX late payments on this account. That shouldnt marked as late according to section 1637 ( b ). I did not receive reasonable procedure within the time frame stated below. This is in fact a violation on their end according to 15 U.S. Code 1666b - Timing of 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, is % XXXX % XXXX % XXXX % XXXX
Consumer complaint received 2024-09-15
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)

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
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

This complaint is regarding PayPal. I use them to safely make online purchases with other retailers. I store several different payment methods ( i.e. bank accounts, credit cards as well as PayPal credit options ) withthem. 

I purchased XXXX separate purchases with XXXX on Saturday, XX/XX/XXXX using PayPal. After choosing PayPal as my payor, a window pops up giving you options. 

1 ) I was given the ability to change my payment method from my previous choice.

2 ) I chose PayPal credit ( I have a viable credit line with them that is good standing ), and hit " submit ''.

3 ) The transaction is approved using the PayPal credit.

4 ) However, instead of using PayPal credit as requested, PayPal chose to use a credit card that no longer exists since it was the last one used at XXXX. 
5 ) That credit card was declined and the transactions defaulted to a bank account that I don't maintain a balance.

6 ) I was charged two ( XXXX ), separate {$35.00} NSF fees for those transactions. 
7 ) PayPal refused to reverse those bank transactions and use the PayPal credit as requested AND PayPal is refusing to reimburse me for the XXXX NSF fees. 

I feel that PayPal should have either... 

1 ) Not provided an option for me to change my payment method -OR- 2 ) Declined the transaction using the PayPal credit -OR- 3 ) Informed me that they were going to use the credit cared that was cancelled so that I could let them know to cancel the XXXX transactions. 

Please assist me in getting my NSF fees reimbursed AND inform PayPal of the need to be upfront with transactions like this in the future.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: World Omni Financial Corp. ()

Complaint to the CFPB : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Banks Illegal Freezing of Account and Denial of Access to Funds Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against WORLD OMNI FINANCIAL CORP for unlawfully blocking my access to {$360000.00} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$35000.00}, was purchased by the bank, and I became the holder in due course of the account. 
However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation. 
Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law. 
Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor. 
Requested Relief : I request immediate access to my funds. 
I seek a 15 % fine on the {$360000.00}, plus the interest the bank has accrued by withholding my funds. 
I demand that the banks actions be escalated to the Department of Justice and OIG for investigation, as this case constitutes fraud and a violation of fiduciary duties. 
I expect the CFPB to take immediate action to restore my access and hold the bank accountable for these violations. 
Sincerely, XXXX : XXXX XXXX XXXX All Rights Reserved Email : XXXX XXXX
Consumer complaint received 2024-09-15
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. (AL)

I notice my Consumer Report that there's several of Hard Inquiries that I don't know and did not give premission for them to pull my credit. According too 15 US CODE 1681 they're to report records and promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

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.