davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-10-25
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. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

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




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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.
Consumer complaint received 2024-10-25
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. (CA)

I contacted company and had fraud accounts closed. i also put a fraud alert on all three credit agency reports. I received a call yesterday from Experian concerning my dispute to remove the hard inquiries from the company. they informed me it would be a 30 day investigation. Then closed the dispute the next day without removing the hard inquiries. 
Everyone is in alignment. The company closed the accounts and i informed the credit agencies. The hard inquiries should be removed by Experian. No reason to keep fraud accounts hard inquiries on my report to further hurt me with this incident. 


XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2024-10-25
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> :
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY (MD)

I had an existing loan with TD Auto Finance ( account number : XXXX ) for a XXXX XXXX, which I traded in at the XXXX location on XXXX XXXX XXXX, XXXX XXXX, MD XXXX. The XXXX representative assured me that they would send the remaining loan balance to TD Auto Finance to close out the loan account. I have been in communication with a XXXX representative named XXXX, who confirmed that the payment was overnighted to TD Auto Finance, and I am attaching the confirmation PDF, which shows that it was signed for by an individual named XXXX XXXX. 

Despite this, TD Auto Finance has continued to contact me about missed payments, and I have incurred additional fees due to what seems to be a delay or miscommunication in processing the payment. I have reached out to both TD Auto Finance and XXXX multiple times to resolve this issue, but I have not received a clear resolution, and my account remains in limbo. 

TD Auto has provided little empathy over this situation. The calls I have received have been curt.

I attempted to communicate with TD Customer Service and did not connect to the correct department. 

I am looking for TD Auto Finance to confirm if they signed for this check.
Consumer complaint received 2024-10-25
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-25
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-25
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-25
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. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC (MD)

My loan was transferred to Fay Servicing in the middle of XXXX from XXXX. During this transfer, XXXX informed me that they were unable to take my payment because my loan was being transferred and I should be getting information from the new servicer. XXXX provided me with a number to call the new servicer. I reached out to the new servicer and they did not have me in the system yet to give me information and told me I should be receiving information soon. Several days past until I was able to get a new account number and instructions for online account setup. I was also told that I should have a welcome packet with the details of my loan. I did not receive the documentation. 



While still waiting for the welcome packet documentation, I set up my online account, and I attempted payment but was directed to Fay Servicing XXXX number. I called and left a message based off of their recording and automated prompts. Once I was able to get in contact with a representative, I was informed my loan is now in default and I can not make payments unless I pay additional interest. I was told I have to pay approximately {$5000.00} in addition to my regular XXXX and XXXX payments. 

After speaking with a supervisor, I was told to email the customer service team for additional assistance. I was again directed to call the XXXX XXXX number. Once I was connected, I was told the same information that they can not accept any payments from me unless I pay {$5000.00} along with my {$910.00} payment for XXXX and {$910.00} payment for XXXX. 
Before my loan was transferred to Fay servicing in XXXX, I was not in default. I would like to make my payments for my loan without this undue hardship due to the transfer process from my previous servicer.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC. (GA)

This is part for. pending fraud case with local police.. I took a job, they sent me money on XX/XX/year> ( {$2900.00} which turned out to be fake ) .They told me I needed XXXX XXXX XXXXXXXX XXXX XXXX using cash app for amounts of : {$500.00}, {$200.00}, {$400.00}, and XXXX. XXXX gift card from XXXX for {$540.00}, and XXXX for {$200.00}. Also, XXXX XXXX for a cell phone for {$84.00}. The check deposited so I didn't know it was fake at the time.The next day, they sent me another check for {$4600.00} ( again another fake check, but I didn't know it was fake ) to buy computer, desk, chair, printer, office supplies. I did not purchases any of things got suspicious fast. Well this check cleared the bank as did the first one, well as I got suspicious I told them I didn't want the job, and they told me to send all the money back or I would get sued. Well both checks bounced the next day and they got all the money listed above from me, and ALSO the checks were reversed and I lost all my money from the XXXX XXXX, XXXX, XXXX and XXXX XXXX ( I never received the cell phone ). XXXX, refuses to give me my money back, even though I have a pending fraud case. I need this resolved.
Consumer complaint received 2024-10-25
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. (CA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX  months.
Consumer complaint received 2024-10-25
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-25
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)

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Credit Card account opened at XXXX XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) an XXXX XXXX XXXX opened on XX/XX/XXXX Account number ( XXXX ) an XXXX  on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SUNCOAST CREDIT UNION (FL)

After providing this institution with an overwhelming amount of business and personal information, they continuously asked for more. XXXX day, I received a verbal approval for both a credit card and a line of credit, but they refused to provide it in writing. Despite my requests, they kept asking for additional documentation and even suggested using my private residence, valued at {$XXXX} XXXX XXXX, as collateralcompletely disproportionate to the verbal approval amount! This was highly disrespectful behavior from the lending department. 

I believe their lending practices, based on my experience with Suncoast Credit Union in XXXX, where I am a member, should be reviewed by the XXXX XXXX XXXX for borderline fraud. The approved credit amounts were nowhere near the value of my property, yet they insisted it was the only way to move forward with a low credit offer. Suncoast Credit Union doesnt seem to prioritize people or the community, but rather their own bottom line, engaging in what I consider unfair credit practices. 

After XXXX months of back-and-forth, I believe they should honor the original verbal approval without further delays or excuses. I expect a confirmed approval of no less than {$XXXX} USD, either as a credit card or equivalent credit line, as fair compensation for wasting my time.
Consumer complaint received 2024-10-22
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc. (NY)

Since I requested to stop sending catalogs to my address, my online account shown cero balances, unable to make payments online. That option of me making my payments online was taken away from me without any explanation. When speaking to representative on phone said I will receive my bill in the mail. This option of mail in my payment is not convenient for me. I can not do any transactions on XXXX website why?
Consumer complaint received 2024-10-25
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. (LA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 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 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

My credit limit was somehow maxed out. I stopped using the card. I had auto pay enabled so my balance should have been coming down. Somehow my balance continued to increase despite the payments I was making. Then my auto pay was turned off and they claimed I did it. They continued to authorize transactions from XXXX because they are a business partner. Now my balance is up over {$2800.00}, and my limit was XXXX. I can not afford to pay what they want to make the balance current, and because of that, I keep getting interest and late fees added and I am now unable to pay on the card because I don't have the money they want up front. I asked them to waive the interest and late fees to bring my account to XXXX and I would work with them to pay what I owe, but they claim they can not waive the transactions because they were agreed upon by me and XXXX despite the fact I have no credit available. My credit report has tanked and it is effecting my house mortgage and car payments.
Consumer complaint received 2024-10-25
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA, XXXX