davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (NY)

My account with ( CREDITOR NAME ) 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 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.

( CREDITOR NAME ) 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 2023-09-21
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

OnXX/XX/2023 I saw a delinquency report on my XXXX account. I was concerned because to my knowledge I didnt have anything delinquent. It was listed by XXXX XXXX XXXX, phone number XXXX. I called this number to inquire about the report. I was told that the last payment of the personal loan I had ( their reference number XXXX ) was not received. This loan was paid completely by automatic withdrawal from the company. From day 1, the money was in there for 4 or 5 years the life of the loan. No late or delinquent payments. Never a call to say the money wasnt in the account. Nothing. So I was perplexed. Why hadnt the last payment been taken out? I assumed the loan was done. Then 3 months later my credit score tanked. 
When I asked what happened they said the final payment was a different amount so they couldnt take it out without permission. I told them nobody ever called to tell me this and when the girl, XXXX looked through the file she said you are right nobody did. So I immediately asked what to do and paid it as soon as I got off the phone. I believe I had to go online to pay it. They credited it on XX/XX/23. However they never removed the delinquency from my credit report. My score was up in the mid 700 range and now it is mid 600. My payment history for my credit has been impeccable. If you look at my report there is 1 negative thing in 7 years. I had tried to call and speak with a manager after the initial call and had to leave a message for someone to get back to me on 3 occasions. Nobody ever returned my call. The last time I called they told me that the original owner of the loan took back all information and they werent allowed to do anything further with those accounts.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I contacted transunion about inaccurate report on my credit report and asked them to please provide me with debt proof, my signature and any other proof they didn't respond or reply I sent certified mail and received signature of recipt.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (PA)

I froze my credit report with Experian several years ago. Now, I want to open a new bank account. I went to the experian.com website to unfreeze my credit report because the bank told me that my credit report must be unfrozen for them to check it. My login does not work anymore. The recovery methods provide by Experian on the website do not work. It tells me that my birthdate and social do not match, which is inaccurate. I tried to reset via a call or text with the number on file. The last four of the number are mine, but they do not call nor text me to reset my password. I tried calling the company to reset my password, but I could find no way to get to a real person from their unhelpful AI phone system. I feel that I am being held hostage by a company the government has decided to give power over my finances ( my ability to open a new bank account ). Please hold credit companies accountable to US citizens. It should be easy for me to freeze/unfreeze my credit. If I am to be forced to use a credit bureau then they should be forced to be accountable to U.S. citizens.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-06
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. (AZ)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted your company and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
XXXX XXXX XXXX XXXX XXXX 

Experian XXXX XXXX XXXX XXXX, TX XXXX. 

Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : XXXX. Update My Name : Please update my credit profile to reflect my new legal name. 

XXXX. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history. 

XXXX. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made. 

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document. 
A copy of my government-issued ID. 
A copy of my government-issue Social Security Card . 
Proof of address ( Most recent utility bill ). 

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. 
XXXX XXXX XXXX XXXX XXXX 

Experian XXXX XXXX XXXX  XXXX, TX XXXX. 

Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : XXXX. Update My Name : Please update my credit profile to reflect my new legal name. 

XXXX. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history. 

XXXX. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made. 

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document. 
A copy of my government-issued ID. 
A copy of my government-issue Social Security Card XXXX 
Proof of address ( Most recent utility bill ). 

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-09-06
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. (TX)

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On Friday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX hours, a Sheriff 's Officer responded to a fraud call in XXXX XXXX  The caller, XXXX XXXX XXXX, requested to speak with a deputy to file a Police Report documenting her and her husband 's loss of XXXX XXXX dollars to an online scam. On my arrival, I spoke to XXXX and her husband XXXX. I learned the following : XXXX and XXXX are in the market for a tractor to grade the road in front of their property. On XX/XX/XXXX, XXXX made an online inquiry from a business called " XXXX XXXX XXXX '' about a XXXXXXXX XXXX XXXX XXXX XXXXXXXX contacted an alleged sales representative by the name XXXX XXXX via email. XXXX XXXX provided a quote via telephone for the purchase of the tractor, plus shipping and taxes. The quote totaled {$13000.00}. 

XXXX XXXX forwarded XXXX and XXXX XXXX payment instructions online. Instructions on how to electronically wire the money to " XXXX XXXX XXXX '' were forwarded to them. XXXX and XXXX XXXX wired the total quote amount from their bank account with XXXX XXXX XXXX XXXX, to an Bank of America account XXXX XXXX XXXX XXXX XXXX XXXX, Acct. number - XXXX, routing number - XXXX XXXX to expected delivery of the tractor, XXXX XXXX contacted XXXX and XXXX XXXX. Arrangements were made for delivery on XX/XX/XXXX, between XXXX hours and XXXX hours. A telephone number for the alleged delivery driver ( XXXX ) was also provided, No delivery was every made. 

XXXX and XXXX XXXX failed to receive any further communication from XXXX XXXX addressing the failed delivery. They received a text message from the alleged driver stating he lost his phone, then found it again, and he would make the deliver the next afternoon. Again, no deliver was made. XXXX and XXXX XXXX called and emailed XXXX XXXX several times. They were informed Saturday, XX/XX/XXXX the driver was in a crash and did not inform the company. 

When XXXX and XXXX XXXX requested a refund, all communication ceased. XXXX XXXX informed them he would refund the entire amount by Monday, XX/XX/XXXX. No such refund was made according to XXXX and XXXX XXXX 's bank account information. By XX/XX/XXXX, additional inquiries made by the XXXX ' were explained away as documentation errors or time delays for the transaction lo finalize. 
No further communication has been received by XXXX XXXX since XX/XX/XXXX. 

XXXX and XXXX XXXX have notified the Oklahoma Attorney Generals Office and the Oklahoma Used Car Licensing Department, the local Sheriffs Office for the jurisdiction the alleged business if physically located in, and plan to notify the Federal Bureau of Investigation of the online scam as well. 

The XXXX stated the company is fictitious, and the licensing department stated, over a phone call, that the company is real but was spoofed. Which is it?

At this point it appears that Bank of America is participating in fraudulent transactions and will provide no assistance investigating the fraud without one being a BofA account holder.
Consumer complaint received 2024-09-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Lennar Financial Services, LLC (CA)

I have been working with Lennar Mortgage 's Loan Officer, XXXX XXXX, since the beginning of XXXX. From XX/XX/XXXX to today, XX/XX/XXXX, my spouse or I have had to follow up with her XXXX times to clarify information on our loan documents. We have needed to clarify dollar amounts on the loan estimates, loan-specific information, and more. When she does respond, she rarely addresses the actual question or subject of the email. She has repeatedly pressured us to sign documents, citing the need to send them to underwriting. However, without clarity on the information we are being asked to certify, we do not feel comfortable signing. This has caused delays in our paperwork. Purchasing a home is a significant milestone and commitment that requires attention to detail and clear information. XXXX has not provided or shown either of the above.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (MS)

on or around XX/XX/year> some of the details that GM FINANCIAL are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Anyway, can you please help me understand whats going on? 

a dispute was sent fr validation and verification of the debt. Americredit GM FINANCIAL did not send me the proper notices as requested by the lack of inclusion of the notices which I requested on ( XX/XX/year> ). Under the laws of ( MISSISSIPPI ) you are required to furnish me with those notices after you take possession of the vehicle. I demand proof that the repossession of the subject vehicle was legal in accordance to the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL GM FINANCIAL WAS required to produce to me proof of these notices within 15 days of the receipt of THE letter. THAT If the information is not received, the alleged claim of a deficiency is null and void and I demandED GM FINANCIAL TO cease collection efforts and remove the report from my credit file. Otherwise this IS a violation of my protected rights under the FCRA and FDCPA and I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ga XXXX XXXX XXXX XXXX Dispute of Incorrect Charge-Offs on Credit Report Dear Sir/Madam, I am writing to formally dispute the accuracy of several charge-offs appearing on my credit report. These charge-offs, which I have listed below, should not be reflected as outstanding debts, as they were considered income under the IRS guidelines and reported on a 1099-C form : XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX {$3700.00} XXXX XXXX {$3900.00} XXXX XXXX {$6000.00XXXX XXXX XXXX XXXXXXXX {$22000.00} XXXX XXXXXXXX {$5000.00} XXXX XXXX {$3000.00} XXXX XXXX {$3900.00} The creditors have already reported these amounts as canceled debt on IRS Form 1099-C, which I included as income on my federal tax return for 2023. As such, these debts have been legally discharged, and the amounts should not be listed as outstanding or derogatory entries on my credit report. 

I respectfully request that these charge-offs be removed from my credit report immediately, as they are inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my claim and remove any incorrect information. 

Please notify me of the results of your investigation in writing. If these entries are not corrected, I am prepared to escalate this matter and may consider further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Thank you for your time and prompt attention to this matter. I look forward to receiving confirmation that these errors have been corrected. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$3600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00}
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Credit Bureaus XXXX XXXX XXXX TransUnion, XXXX Dear CFPB, I am writing to formally file a complaint against the credit bureaus XXXX, TransUnion, and XXXX regarding inaccurate reporting on my credit file. 

I in fact have a active account with XXXX, which is associated with the following details : - 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 Despite having this account, I have been informed that my credit report inaccurately reflects that I do not have any credit card accounts. This discrepancy is affecting my credit score and my ability to secure credit. 

I kindly request that the CFPB investigate this matter and assist in ensuring that my credit report is corrected to reflect the accurate information regarding my XXXX account. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I Have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} XX/XX/XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$3600.00} XXXXXX/XX/XXXXXXXX Balance : {$1300.00}