davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting by Experian and associated mismanagement by XXXX XXXX account erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentationsuch as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

It is critical to highlight that this account was written off and reported as income through XXXX forms. As these debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. The failure to remove these items not only contravenes credit reporting standards but also continues to degrade my credit score.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

You are reporting inaccurate and incorrect information on my credit file. 
This information needs to be investigated, verified and correctly amended straight away and all erroneous item removed from my credit report XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (NJ)

I looked at my Experian credit report on XX/XX/year> 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 reinvestigation; 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 2024-05-08
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. (NJ)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section XXXX681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I demand the removal of these incorrect addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. As well as the incorrect name : XXXX XXXX XXXX.
Consumer complaint received 2023-11-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (MD)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Westlake Financial regarding the inaccurate reporting of my credit information. I financed a vehicle through Westlake in XXXX, and the issue I am disputing pertains to the reporting of my final payment to them as being 30 days late. 

The circumstances surrounding this reporting discrepancy are crucial and pertain to the trade-in of the vehicle financed through Westlake. Prior to the scheduled final payment, I traded the vehicle in at XXXX XXXX XXXX, Texas. The dealership was responsible for the payoff to Westlake. Regrettably, the payment made by XXXX of XXXX was processed after the due date set for my final payment. 

I want to emphasize that this delay in payment was not within my control. I fulfilled my part by trading the vehicle in before the final payment was due. The timing of the payment made by the dealership is entirely their responsibility, and it is unjust and erroneous for Westlake to report this as a late payment on my behalf.

In accordance with the Fair Credit Reporting Act ( FCRA ), Westlake Financial is in violation of several crucial sections that govern accurate credit reporting. The specific sections of the FCRA pertinent to this matter include : 1. **15 U.S. Code 1681s-2** Responsibilities of furnishers of information to consumer reporting agencies : - Section 623 of the FCRA stipulates the duties of furnishers of information, requiring them to provide accurate and timely data to credit reporting agencies. In this case, Westlake Financial failed to report the accurate status of the account following the trade-in and subsequent payoff.

2. **15 U.S. Code 1681e** Compliance procedures : - Section 611 of the FCRA mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information provided by furnishers. Westlake 's failure to accurately report the circumstances surrounding the trade-in and payoff directly violates this section. 

I demand immediate action by Westlake Financial to update the credit reporting on my account to accurately reflect the circumstances surrounding the trade-in and payoff. The reporting of a late payment inaccurately damages my credit history and financial standing, which I will not accept. 

I request that the credit report accurately indicates the trade-in and payoff without any suggestion of a late payment. 

I anticipate a prompt and appropriate resolution to this matter. I also request written confirmation of the rectification and updating of my credit report. 

Thank you for your attention to this issue and for ensuring the proper enforcement of the FCRA regulations. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-08
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. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account Name : Online information service Acct. # XXXX, Account Name : Online information service Acct. # XXXX, Account Name : XXXX XXXX XXXX. # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX. # XXXX, Account XXXX XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX. # XXXX XXXX Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX. # XXXX, Account Name : XXXX XXXX XXXX Act. # XXXX, Account Name : XXXX XXXX. # XXXX, Account Name : XXXX XXXX # XXXX Act. # has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 reinvestigation; 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 2023-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

On early XXXX I opened a saving account with Ally Banking. My first deposit was in XX/XX/XXXX for {$2500.00}. the second deposit was on XX/XX/XXXX for {$2500.00}. On XX/XX/XXXX Ally withdrew {$2500.00} by mistake for Stop Payment reason and send it back. That money never got back to my Credit Union account from where it was sent. I have spent 4 hours with my bank looking for that returned money with no success. It is my opinion that Ally Bank made some kind of error when the {$2500.00} was sent back to my C.U. account because it has been a month and 1/2 and that money has not arrived. There was no reason for Ally Bank to send that money Back. I am retired and hope you can help me with this issue.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The below 1 item ( s ) were not submitted and need your attention. 
Error submitting dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$23000.00} as of XX/XX/XXXX Status Open. Deferred, payments begin XX/XX/XXXX. 
Date opened XX/XX/XXXX Details Payment never late Additional information SEE FTC and CFPB report You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 
You may also submit supporting documentation for your disputes at XXXXXXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action.I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter. 



XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have had a XXXX account XXXX XXXX, for the most part I have had excellent payment history. I see I have late payments being reported on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX. I am unaware as to why these payments were reported late. I do not recall submitting the payments late. I am not blaming this is on XXXX, I simply do not recall what transpired for these late payments to occur. I am asking as a courtesy for all or some of the late payments to be reversed as pai as agreed. Or for at least the most recent late payments XX/XX/XXXX, XXXX and XX/XX/XXXX to be reversed as paid as agreed. 

The late payments are hurting my credit profile tremendously and is stopping me from getting the best possible interest for a new home. I spoke with the CRAs in hopes of getting help from there in regard to this issue. They stated the company has the ability to reverse late payments and they suggest I reach out to the company directly. I am asking as a courtesy and a as a customer with a decent payment history is there something that can be done. Thank You
Consumer complaint received 2023-11-07
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. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-05-10
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding XXXX  ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-06-27
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. (AL)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (TX)

I gave Bridgecrest permission to report to the 3rd party credit agency but In regards to reporting negative items, According to 12 CFR 1016 and 15 USC 6802-6805. A consumer may exercise the right to opt out at any time. I am exercising my right to opting out. Any consent I have given whether implied spoken, unspoken, written, unwritten or otherwise is revoked and rescinded immediately and indefinitely. 

Removal of all derogatory items. 
Bridgecrest Shall remove all late payments past, present and futurefrom my credit report.15 USC 1681a ( 2 ) ( A ) ( i ) It is illegal to report transaction history. 2 ) All inaccuracy gives reason to delete late payments past present and future. 3 ) No permissible purpose FCRA 15 USC 1681b ( a ) ( 2 ). 4 ) Privacy Act 1974 Violation. 5 ) 15 USC 1666b Can not be reported late under an open end consumer credit plan for any purpose. Truth in lending defines open end consumer credit plan as payable in more than 4 installments. consumer credit reporting companies can not report income on the credit report. Update to paid as agreed.
Consumer complaint received 2024-05-08
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. (IL)

Throughout the course of the past XXXX months, there has been a high rate of inquiries on my credit report that I did not authorize nor make I am a victim of identity, theft, and request these false request be removed immediately. 
Copy it reporting this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY (NY)

MY SON XXXX YEARS OLD AND IS XXXX AND HE HAS BEEN SAVING HIS GIFT CARDS TO PURCHASE A NEW VIDEO GAME SYSTEM.. 

THE GIFT CARDS IN TOTAL COME TO {$320.00} THEY WERE ALL FROM T.D. BANK MY SON WAS VERY VERY UPSET AND FEELS LIKE HE NEVER GOT GIFTS ON HIS BIRTHDAY, XXXX ETC. 

I CALLED T.D. BANK TO SEE HOW MUCH HE HAS AS A BALANCE ON THE CARDS AND WAS TOLD THEY HAVE BEEN CLOSED DO TO INACTIVITY ... 

HE FEELS HORRIBLE THAT THE BANK NEVER TOLD OR DID HE LOOK AT THE PRINTING SO SMALL YOU NEED A MICROSCOPE TO READ THEY CHARGE A " MAINTENANCE '' FEE STARTING AFTER 12 MONTHS OF ACTIVITY ( {$2.00} ) ... THEY SAID THAT IS THEIR POLICY ... I AM TRYING TO FATHOM THE THOUGHT OF A FINANCIAL INSTITUTION CHARGING A MONTHLY FEE FOR " MAINTENANCE '' WHEN ALL THE CARDS WERE PAID FOR IN CASH.. 

I HAVE BEEN OUT OF WORK SINCE XX/XX/2020 FROM COVID-19 AND I DON'T HAVE THE MONEY TO PAY FOR HIS VIDEO GAMING SYSTEM
Consumer complaint received 2024-05-08
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX