davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-05
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. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2024 XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-05
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. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-06
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-04-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Security Credit Services, LLC (FL)

This account was open fraudulently and without my knowledge and Ive requested from the company to provide ID presented at point of sale and signature on original contract matching the ID presented at point of sale company still havent provided both. How can credit be obtained or used with ID and if ID was presented then a copy should be available. I would like for this account to be deleted and removed from all XXXX credit bureaus XXXX, XXXX and XXXX IMMEDIATELY INDEFINITELY thank you.
Consumer complaint received 2019-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

a scam company is trying to assign a debit to me. they called and sent a collection letter.. when researched.. i found several scam listings and mail fraud listings that was similar to what i experienced ... i checked my credit report and no collections have been sent.. they info int he letter is inaccurate and false. for instance check # 's, accounts and other info that would validate any transaction. the company is calling themselves : " XXXX XXXX XXXX XXXX, XXXX '' and claiming the creditor is : XXXX XXXX XXXX, XXXX and claiming the original debit was obtained thru XXXX XXXX on XX/XX/2019, the same day they called me trying to obtain information from me over the phone. I have not done any business with XXXX in many years.. all of which was paid in full using a my back debit card.. never a check ... they said the check number was # XXXX the amount was for {$18.00} and i owed that and a returned check fee of {$25.00} for a total of {$43.00} .. 

after spending time researching.. i have found other individuals claiming the same thing and that they was committing mail fraud. i contacted my state attorneys office.. and she said i could file a claim here or possibly at my local police department.
Consumer complaint received 2023-04-11
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. (NC)

This is my other endeavor to tell TRANSUNION AND XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX  XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00}, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-05
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. (ID)

I have no knowledge of these account on my credit report and have suggested they be removed from my credit report due to them being fraudulent. I do not have a contract with these companies and I have asked that my credit report be cleared of misinformation.
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have My Employer is XXXX XXXX XXXX. The following Employers are not mine please remove/delete them they are not accurate : XXXX  XXXX  XXXX  DO NOT CALL XXXX XX/XX/2012 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a few unknown accounts : XXXX   XXXX  XXXX # XXXX, XXXX XXXX   XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX
Consumer complaint received 2023-09-26
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. (TX)

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

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-06
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-05-02
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. (MD)

On XX/XX/XXXX a call was made and According to XXXX XXXX XXXX over a conversation with my financial advisor who was on the phone. XXXX XXXXXXXX XXXX explained that the purported debt was sold off to XXXX XXXX in XXXX. However I never received any communication that a new dept collector named XXXX XXXX had purchased the purported debt that never belonged to me. This is a clear violation of section 611 of FCRA. See attachment.
Consumer complaint received 2024-05-02
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Originator creditor : 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-05
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. (GA)

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 2024-08-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

I contacted Toyota Financial Services ( TFS ) to purchase my leased vehicle on XXXX XX/XX/year>. The agent emailed the full pay-off amount of XXXX with necessary paperwork to accomplish the action. This agent advised me to stop making automatic payments to the lease with the pay-off amount valid until XX/XX/year>. 

I mailed a check made to XXXX XXXX, XXXX and the completed forms to Toyota Financial Services, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX by certified mail on XX/XX/year>. The post office tracking number : XXXX confirms pick up on XX/XX/year>. 

I have called ( XXXX ) XXXX - XXXX ( TFS ) 3 times. The first date I spoke with XXXX who confirmed receipt of the check and pay-off paperwork as of XX/XX/year> ; XXXX call on XX/XX/year> XXXX ( XXXXXXXX XXXX ) reconfirmed receipt and gave verbal assurance that my account would be back dated to avoid late fees and associated penalties ; XXXX call XX/XX/year> the agent with badge number XXXX  again confirmed receipt of my payment and paperwork on XX/XX/year> but that their processing time is delayed by 30 days. I was again assured verbally that late fees and penalties will be dropped upon their processing of the payment. 

The company continues to send notifications of late payment and accrual of late fees. 

I have now received notification that my credit score is declining due to late payment on this lease. 

I have requested written assurance from XXXX and TFS that the delay is on their end and the representative actively avoid this request. 

I would like a speedy resolution to this issue. The customer should be have the same expectations as the lender/leaser in prompt processing of payments. 

It is of no fault of mine that they are not processing my request in a timely manner. 

Thank you.
Consumer complaint received 2024-08-03
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: U.S. BANCORP (MA)

I LOST MY WALLET THAT INCLUDED MY PERSONAL INFORMATION, AND OTHER ITEMS AT THE END OF XX/XX/XXXX. I CHECKED MY CARD ACCOUNT AFTER REALIZING MY CARD WAS IN THE WALLET AND NOTICED SEVERAL TRANSACTIONS WERE MADE IN A FOREIGN COUNTRY. I CONTACTED THE CARD COMPANY TO REPORT THE LOST CARD AND THE UNAUTHORIZED TRANSACTIONS ( THERE WERE SEVERAL CHARGES TOTALING OVER {$1400.00} ). I FILED A DISPUTE/CLAIM AND WAS PROVIDED A PROVISIONAL CREDIT FOR THE TRANSACTIONS. FAST FORWARD TO TODAY, XX/XX/XXXX, I RECEIVED A LETTER IN THE MAIL STATING THEY WERE CLOSING MY CREDIT CARD ACCOUNT FOR SEVERAL INACCURATE REASONS RELATED TO THE CLAIM I FILED AND ON TOP OF THAT ARE TRYING TO CHARGE ME FOR ONE OF THE UNAUTHORIZED TRANSACTIONS THAT WERE MADE THAT AMOUNT TO APPROX. {$1200.00} ( THERE WERE MULTIPLE TRANSACTIONS, AND THE OTHERS WERE NOT BILLED AGAIN DESPITE ALL THE TRANSACTIONS HAPPENING AROUND THE SAME TIMEFRAME ). I CONTACTED CUSTOMER SERVICE TO INQUIRE IF THIS WAS A MISTAKE AND I KEPT GETTING THE RUN AROUND AND NO ONE WOULD PROVIDE ME WITH A STRAIGHT ANSWER. I HAVE NOT BEEN TO XXXX AND DO NOT KNOW ANYONE THERE, SO I FIND THIS UNACCEPTABLE AND DISRESPECTFUL THE WAY I AM BEING TREATED. I AM BEING ACCUSED AND PENALIZED BY HAVING MY ACCOUNT CLOSED. I WOULD REALLY APPRECIATE ANY ASSISTANCE THIS AGENCY CAN PROVIDE TO HELP RESOLVE THIS ISSUE AS SOON AS POSSIBLE IN A JUST AND HONEST WAY.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (KY)

I recently discovered that I am the victim of identity theft and have had several accounts, leases, utilities taken out in my name fraudulently. 

I learned his information after being denied for a lease due to information found on my credit bureau reports to which this account was included. I got a police report and a FTC Identity Theft report as well as medical documents detailing my complete medical incapacitation, and information on the perpetrator of the fraud, this was furnished to each of the credit bureaus when obtaining my initial fraud alert and issuing security freezes. I was assured they would block this information from appearing on my report and furnish the businesses with this information so they could take appropriate actions for their companies. 

All went well until recently when Discover Bank decided to assert their right to " reinsert '' information back onto my credit bureau reports stating they had verified the account. I asked both the credit bureaus and Discover Bank for the documentation used to make this determination, but was told the investigation was done and they could provide no further assistance save for a XXXX word consumer statement. 

This account is having serious, detrimental effects on my life. Just taking my immediate situation into account, I am currently unable to obtain housing because of the detrimental payment history and balances created as a result of this identity theft event. After furnishing medical records showing my complete incapacitation, documents from law enforcement, namely a police report and FTC Identity Theft report, and information on the identity of perpetrator and their incarceration I simply can not accept a XXXX word statement for an account I did not open.
Consumer complaint received 2023-08-28
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Billing error 15 USC 1666b 16 car 433.1 and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Bank of America, account number Finance Charges and Credit Indebtedness : It has come to my attention that XXXX XXXX has not credited my account with dividends derived from treasury coupons via the XXXX Act. These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. 
XXXX Forms : Additionally, Bank of America has failed to provide me with all copies of Form XXXX for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. 
Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. 
Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.
Consumer complaint received 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (KS)

I payed my remaining loan balance off with 3 payments in XX/XX/XXXX. On XXXX I payed a single loan off with a {$6600.00} payment. On XX/XX/XXXX, Mohela drafted another payment of {$230.00} after I had requested cancellation. That amount included a payment of {$79.00} to the loan I paid off on XXXX. Frustrated, I made a final payment on XX/XX/XXXX of {$13000.00} to pay off the remaining balance on all of my loans. Mohela still has not paid me back the overpayment of {$79.00}, and has not updated my credit report since XXXX, so my loans still show a balance of over {$20000.00}. I've called Mohela, and their response was to say my payments were made in XXXX not XXXX ( untrue ) and I needed to wait 30 days. When I told them it had already been 30 business days since the date they said I made my payments ( XX/XX/XXXX ), the rep basically said I just needed to wait. 

On XX/XX/XXXX, I submitted a complaint on studentaid.gov and have not received a response or notification that my complaint is being investigated. 

On XX/XX/XXXX, my XXXX report changed to show that I owe Mohela {$79.00}. The other agencies are not showing an update. 

On XX/XX/XXXX, I filed a dispute with XXXX and XXXX. Mohela verified a balance of over {$20000.00} with XXXX almost immediately, and my dispute was denied despite the fact that I uploaded documents from Mohela stating my accounts were paid. My credit report now states that I'm in good standing, but my balance is the same as it was in XXXX of XXXX.