davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NV)

I recently was hit with a 30 day late payment when I actually made a payment. XXXX XXXX XXXX XXXXXXXX also told me my minimum payment due was around {$3000.00} but when my credit report updated, it only said my minimum due was {$440.00}. My statements never said that.
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. (MI)

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law 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 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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I fell behind on my car note payments so I called Credit Acceptance to make arrangements. Even after doing this and them agreeing to the arrangement they still repossessed my car. I went through the proper steps to get my car back and I noticed the day I picked it up that the car was not driving like it use to! I spoke with a mechanic that asked if it was in an accident or something recently? Other that the tow/repo company coming and repossessing my car there were no accidents and issues with my car! The car is a XXXX XXXX XXXXXXXX which is a front wheel drive vehicle. Come to find out the tow truck/repo company towed my car improperly which cause damage to the front end according to the mechanic. Damage that was not present prior to the date it was towed by the repo company. Up until then I havent had anything wrong with the car. I opened a dispute with credit acceptance requesting they repair the {$2500.00} worth of damage that was a direct result of the improper towing of the car during repossession which I feel they should be held responsible for. To date they still have not fixed my car or let me know what they dispute results are. I have diagnostic reports from the mechanics and my out of pocket expenses and video showing the improper tow
Consumer complaint received 2024-07-03
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: EQUIFAX, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-18
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX  # XXXX XXXX XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish 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.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I requested to correct the inaccurate information which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the account listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX Balance {$1700.00}
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. (MA)

THIS ACCOUNT WAS CHARGE OFF ON TH FOLLOWING DATE XX/XX/year> SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGE OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGE OFF ACOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLET HAS VIOLATED MY RIGTHS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Happy Money, Inc. (IL)

Happy Money , Inc. reported to XXXX on XX/XX/2023, that my accounts outstanding balance was {$18000.00}. Happy Money Inc.s records, according to their online portal, reflected my accounts outstanding balance to be {$16000.00} as of XX/XX/2023. 

My monthly minimum payment is {$1200.00}. The difference between {$18000.00} and {$16000.00} is {$2400.00}. Happy Money , Inc.s reporting of my accounts outstanding balance is 2 months in arrears and ultimately, inaccurate. My math is shown below. 
{$18000.00} ( My outstanding balance reported by Happy Money Inc. as of XX/XX/2023. ) - {$1200.00} ( XXXX XXXX monthly minimum payment. ) - {$1200.00} ( XXXX XXXX monthly minimum payment. ) {$16000.00} ( The difference between {$16000.00} and {$16000.00} is the result of me making additional principal payment ) I recognize that it is common for there to be a lag between when payments are posted to an account and when a tradeline is updated. However, Happy Money Inc.s credit bureau reporting of my accounts outstanding balance, as of XX/XX/2023, 2 months in arrears and ultimately, inaccurate. 
I filed a dispute through XXXX  online portal on XX/XX/2023, trusting that Happy Money , Inc. would accurately report my accounts outstanding balance to XXXX, and the other credit bureau reporting agencies. 

XXXX provided me with results of my dispute on XX/XX/2023. XXXX stated, The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Inaccurate credit reporting can materially and adversely impact consumers ability to access credit markets, obtain the best interest rates, increase insurance premiums, and impair ones ability to maintain or obtain employment. 

Happy Money , Inc. has a legal responsibility as a credit data furnisher, to accurately report consumer information to the credit reporting agencies. I assert that Happy Money , Inc. is violating multiple federal and the State of Illinois consumer protection laws including, but not limited to, the Federal Trade Commission Act ( 15 U.S.C. 41-58 ), the Dodd-Frank Act ( Section 1031a ), the Uniform Commercial Code Unfair, Deceptive, or Abusive Acts or Practices ( 12 U.S. Code 5531 ) , the Fair Credit Reporting Act ( 1681 ), the Consumer Financial Protection Bureau rules and regulations , and the Illinois Consumer Fairness Act.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I tried to get a whole list of reports from Experian and XXXX per my rights according to the FCRA ( investigation documents etc to prove that they actually investigated errors on my report ) I requested these XXXX years ago and to this date i have no received a thing. This is in regard to my XXXX motor account. ALSO the dates on XXXX and Experian keep changing on the XXXX XXXX account to allow it to stay on longer. Right now the account 's at XXXX years XXXX months and the dates keep changing. Now they changed my last payment date to XX/XX/XXXX to let it remain on my account for another WHOLE YEAR the last payment was in XX/XX/XXXX not XX/XX/XXXX.
Consumer complaint received 2023-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (CO)

I got a call that my bill with them was past due and I owe them XXXX or so bucks so I gave them my new card and they ran it while on the phone with me after confirming my payment I set up a cancellation of my account and was told it would be canceled out effective in XXXX sometime but then I started getting calls from this company claiming I had an account in collections with them from XXXX when I said I had closed out my account with XXXX  they denied it and said I have to check with XXXX. I have called multiple times but no one has been able to help me it also shows that they have to different collections for me one for XXXX and one for XXXX which also makes no sense at all. Additionally the collections company has called me non stop around 8 to 10 times a day since the first interaction with them claiming that I will be sued if I dont pay them money. Which is very confusing because my account was supposed to be closed out with XXXX  in XXXX.
Consumer complaint received 2023-11-22
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (NY)

On XX/XX/23, I was contacted by Achieve Personal Loans by a representative advising me that I could obtain a better monthly payment rate on my active personal loan by refinancing. During the course of the conversation, the representative did provide me a disclaimer that a hard credit pull was required to provide me with a rate, which I consented to. However, after I consented to the pull, the representative advised me that the only refinance option was one that wouldve raised my monthly payment on a marginally shorter payment term, which is not what I was expecting based on their pitch. I am concerned that the hard credit pull will have a negative impact on my credit score and feel as though I was mislead by the representative for the purposes of paying for a different loan product. Achieve, as the provider of my loan, already had access to my banking information as well as my income, and should have been able to obtain all necessary information regarding my qualifications for refinancing via a soft credit pull versus a hard pull, to determine whether I was eligible for a better rate to refinance at.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NEW YORK COMMUNITY BANCORP INC (CA)

XXXX charges were made by fraud for tickets to XXXX XXXX and XXXX XXXX on XX/XX/XXXX. I noticed unauthorized charges and first called my bank XXXX in XXXX XXXX. We stopped my debit card and had another card reissued. Supposedly they started an investigation. I was able to call XXXX XXXX on XX/XX/XXXX or XXXX they said the tickets had been flagged I was able to provide info to cancel and receive a refund. The tickets to XXXX XXXX  were used the same day as purchase XX/XX/XXXX. Fast forward to end of XXXX after they issued a provisional credit in XXXX I thought it was done but they said I must have benefited from the purchase and they with no explanation or warning deducted {$470.00} and say I have to prove I didnt purchase. Im XXXX have a very limited income and havent been to an XXXX  park for 30 years. My account sits in overdraft and they are being totally unreasonable. Please help!
Consumer complaint received 2024-07-03
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: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that they sent the statement to the wrong address that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

XXXX XXXX XXXX XXXX
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. (FL)

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX I XXXX XXXX XXXX XXXX XXXX, XXXX Pennsylvania XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. 

THIS IS MY OFFICIAL WRITTEN COMPLAINT! 

XXXX XXXX XXXX XXXX SECURED CARD - XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per Federal and my states reporting laws, you MUST XXXX  and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. 

To be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 

PLEASE FIX MY REPORT WITHIN 15 DAYS!
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2024-06-18
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. (NY)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So please UPDATE and CORRECT the account : XXXXXXXX XXXX XXXXXXXX. XXXX
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)

I am writing to you today to once again dispute some account that appears on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent account was opened in my name without my knowledge. I already forwarded the required FTC report to the company and they have acknowledged that this account was fraudulent and have removed it. However, I have noticed that your bureau has continued to report this account, even though the other credit bureaus have already removed it. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove this fraudulent account, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX  XXXX