davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
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. (AR)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-14
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-14
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-14
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 recently reviewed again my Experian credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-14
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)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary XXXX, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 

Account name : XXXX XXXX Account # XXXX {$490.00} XXXX XXXX XXXX Account # XXXX 

XXXX  Account # XXXX XXXX  ( XXXX  ) Account # XXXX {$1300.00} XXXX Account # XXXX {$6800.00} XXXX XXXX XXXX Account # XXXX Account has been closed at Grantors request all without my written consent. 
Account has been previously in dispute- Investigation complete, reported by data furnisher. 




IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 


( needed To be Removed improper use of the credit report )
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (NJ)

Received a BrinksPrepaidMastercard that I didn't apply for. Tried to call and question company about receipt of same, and automated system asked for my social security number or the card number. I don't want to accidentally activate the card by providing the number.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I will also like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX Equifax Information Services LLC XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. 
Thank you. 

Account Name XXXX XXXX  Account Balance XXXX $ Date Opened XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX $ Date Opened XX/XX/XXXX Account Name XXXXXXXX XXXX Account Balance XXXX $ Account Opened XX/XX/XXXX Account Name XXXXXXXX XXXX  Account Balance XXXX $ Account Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Balance XXXX $ Account Opened XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
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 recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-05-14
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. (NV)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VW Credit, Inc (NY)

Dear Sir/Madam, I am writing to formally lodge a complaint regarding my leasing experience with XXXX Volkswagen XXXX XXXX, NY. Below are the details of my grievances : In XXXX, I leased a Volkswagen XXXX from your dealership. At the time of leasing, the down payment was advertised on their website as {$2400.00}. However, I was charged more than {$3200.00}. I was assured by your staff that the difference of ~ {$450.00} would be refunded to me once the car was returned at the end of the lease term. 

In XXXX, upon returning the car, I inquired if everything was in order with the vehicle and the balance. I received no indication of any issues and was told that I would be contacted. Shortly thereafter, I received a bill in the mail stating that I owed approximately {$400.00}. Upon contacting your dealership for clarification, I was informed that there were no problems with the car, and the mileage was well within the limit ( XXXX miles, XXXX below the limit ). I was then told that if I do not lease from them again, I have to pay an additional ~ {$400.00}. I do not understand the reason. This was never disclosed to me while I was leasing the car. Despite my repeated attempts to resolve this issue, I did not receive satisfactory answers, and the balance was subsequently handed over to a collection agency. 

I explained the situation to the collection agency on multiple occasions, and they seemed to understand and accept my explanation. However, in XX/XX/XXXX, I received a notification of a change in my credit score due to a hard inquiry initiated by the dealership, which has negatively impacted my credit score. 

I am extremely dissatisfied with the dishonest and deceptive practices I have encountered at the XXXX dealership. I am seeking an explanation as to why the XXXX salespersons misled me, why I am being charged {$400.00} without clear contractual evidence, why I was not told about this charge while I returned the car, and why my XXXX XXXX has been adversely affected without my consent. Had I known that the XXXX would like to charge me extra, I would have just purchased the car. While I was returning the car, I even told them that if there is something wrong, I would just buy the car. But, they intentionally tried to avoid any clear answer when I returned the car!! 

I expect a prompt and thorough investigation into this matter and a resolution that includes the removal of the erroneous charge, a correction of my credit report, and a refund of the {$450.00} that was promised to me. 

Please contact me at your earliest convenience to discuss this matter. I look forward to your swift and favorable response. 

Sincerely, XXXX XXXX, PhD Professor/Chair Electrical and Computer Engineering
Consumer complaint received 2024-05-14
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. (TN)

XXXX XXXX XXXX has threaten me by Refusing to Update my Credit Report after submitting Evidence of inaccurate information on my XXXX, Experian and XXXX Credit Report. Ive spoken with these individuals with XXXX ; a XXXX XXXX, Compliance, XXXX XXXX, in XXXX, very combative, but I understand individuals like this, a XXXX XXXX and a XXXX in XXXX, XXXX  with regards to XXXX XXXX/Accounts that could effect my Interest Rate XXXX XXXX XXXX as a XXXX Veteran receiving my Earned XXXX XXXX XXXX XXXX XXXX After speaking with XXXX XXXX on yesterday, she believes that somehow shes some how personally Stopping me from receiving Approval of my XXXX Mortgage, XXXX XXXX XXXX is the Mortgage Company for which I applied, Im APPROVED, but the correction of these inaccurate XXXX accounts could cost me thousands doing this process, but I dont do XXXXl! Now this said its imperative that my SCORES are corrected for XXXX XXXX XXXX, XXXX plays a role in this process. To-date its XXXX days and XXXX hasnt contacted me with Update, again theres No one on the planet Stopping me from acquiring my Earned XXXX XXXX XXXX XXXX XXXX period! But I will not pay thousands because of Racism and Discriminatory Practices and behavior by Reporting Agencies like XXXX, XXXX, Experian and XXXX. I need my new Scores Now, Right Now! Oh and XXXX tell Experian that XXXX credit score was a Slick XXXX move, falsifying my credit score by XXXX point was very criminal and Slick, WOW whats the ignorant Racism about, WOW!
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (TN)

Regions bank is still doing there shady practices with NSF fees. Whats it going to take to get them to stop these crooked practices????? They already had to settle once because of their crooked crimes. But still true continue!
Consumer complaint received 2024-05-14
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX DOB : XXXX Phone Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 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 These fraudulent accounts consist of a personal XXXX XXXXXXXX XXXX - Account Number XXXX Item Description : Credit Card A XXXX XXXXXXXX Account number XXXX Item Description : Credit Card a XXXX  XXXX - Account Number XXXX Item Description : Unsecured Loan Experian inquiries XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX that appears related to the aforementioned accounts These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 IDTheftReportXXXXXXXX  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 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Dear Sir/Madam, I am writing to bring to your attention significant discrepancies and inaccuracies in the credit reporting information associated with my account. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i, I request immediate action to rectify these errors, as they are in violation of FCRA 15 USC 1681i ( 5 ) ( A ). 

Upon reviewing my credit report, I discovered inconsistencies and incomplete data pertaining to the following account : Account Number : [ XXXX ] Account Type : Installment Account Type Detail : Secured loan Bureau Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX : XXXX, Experian and XXXX : XXXX High Credit : {$1600.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : XXXX : Late 30 Days, Experian and XXXX : Current Last Reported : XXXX and Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX Comments : Experian and XXXX : Closed or paid account/XXXX  balance, XXXX : XXXX The discrepancies between the reported number of months/terms and the payment status are particularly concerning. These inaccuracies not only misrepresent my credit history but also potentially harm my creditworthiness and financial standing. 

I demand that the aforementioned inaccuracies and inconsistencies be promptly investigated and corrected in accordance with FCRA regulations. Specifically, I request the deletion of any incomplete or inaccurate information as per FCRA 15 USC 1681i ( 5 ) ( A ). I urge you to take immediate action to ensure the integrity and accuracy of my credit report. 

Please provide written confirmation once the necessary corrections have been made. Failure to comply with this request within the timeframe mandated by FCRA regulations will result in further action, including legal recourse if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX Domestic Wire Transfer {$22000.00} Wire Transfer domestic sent from XXXX to XXXX XXXX XXXX Texas This was done on XXXX between XXXX and XXXX I then realized that I just had been scamed and frauded out of my funds I imediately drove back to 5/3 and told them of the situation They contacted there fraud and secuity dept as well as the fraud dept forXXXX XXXXXXXX XXXX I was told that both banks were working on my case and everything should be ok. 
I was given a copy of the transfer aggrement and found that an associate of 5/3 was to ask me a series of questions prior to sending those fund s. This procedure was to help secure my money and safegaurd it The proceedure was never disussed with me and the fraud was completed. I can assure you that video and audio of this transaction will prove bank negligence in the LOSS of my {$22000.00}