davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint to address an issue concerning late payments on my credit record. Upon reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (LA)

In 2020 I used PayPal small business to process my transactions for my business. In XXXX I found that there were unauthorized transactions being made. I talked to PayPal small business and they assured me the transaction that was being repeated would stop and I had nothing to worry about. they continued to let the transactions to go through to the sum of approx XXXX and after a employee stole and used the card for approx XXXX more we. Disputed and lost PayPal closed out my account and has since suffered data breach which of course affected my account docs so I can not verify income for my business and PayPal charged me another fee which went to my credit report for the account in question
Consumer complaint received 2024-05-07
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)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2024-05-07
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

I was XXXX XXXX XXXX XXXX XXXX My husband took care of our finances. He got a cc from Citi Bank and they gave him a XXXX credit limit. There was a second card in my name. I earned the money that paid for the cc. He now has XXXX and I opened another Citi card in my name only and cancelled his card. They gave me a credit limit of XXXX. I asked for the same credit limit my husband had and they declined. We are the same family and the same income. The only difference is that this cc is in my name. I know that this is sexist. I want the same credit limit that we had for years.
Consumer complaint received 2024-08-05
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. (CA)

On XX/XX/XXXX, I sent a letter to Experian with documentation showing the inaccuracies between the 3 bureaus on XXXX XXXX XXXX, XXXX : in XX/XX/XXXX Experian is Showing 30 days late/ XXXX is showing 60 days late/ XXXX  30 days late XXXX On XX/XX/XXXX the dispute was opened and on XX/XX/XXXX, my dispute was UPDATED and completed with no changes even pertaining to the payment history only a change to the balance which was not even part of the dispute in question. This is a blatant inaccuracy and I am entitled under the FCRA a COMPLETE and ACCURATE credit report. If Experian had done a proper investigation which I don't believe that they even did one, they would have seen this. Anyone with eyes can see this. Experian DID NOT do a PROPER INVESTIGATION which is a FCRA violation I have yet to see the results of their investigation.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-05-07
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. (DE)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-07
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)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (FL)

To whom it may concern, " on XXXX XXXX XXXX  I applied for a line of credit. Navy Federal immediately denied my extension of my credit. This is 2 violations of ECOA/ Regulation B by denying me and further discouraged me from applying for an extension of credit '' In Good Faith Without Prejudice By : XXXX XXXX XXXX Federal Protected Consumer
Consumer complaint received 2024-07-05
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. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-08-05
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. (IL)

The account from XXXX XXXX XXXX  XXXX is having a negative impact on my XXXX which is causing adverse effects in my life as I am trying to start my own business. I Demand that this account be removed from my credit report immediately as pursuant to my consumer protection rights
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 2024-08-05
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. (NY)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-05-07
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 adherence to the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is paramount to ensure that consumer reporting agencies fulfill their obligations with fairness, impartiality, and utmost respect for consumers ' privacy rights. XXXX and Experian, being consumer reporting agencies, are obligated to adhere to these standards. As a consumer, I emphasize my right to safeguard my private information, as reinforced by 15 USC 6801, which underscores financial institutions ' duty to respect customer privacy.

Under 15 USC 1681, section 604a ( 2 ), consumer reporting agencies are only permitted to furnish consumer reports with explicit, written consent from the concerned consumer. Neither the financial institution nor XXXX and Experian have sought my consent to share this information, thus nullifying any implied or assumed consent. Additionally, 15 USC 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of information disclosure to third parties, a requirement not fulfilled in this scenario.

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The account name, XXXX is being reported without my consent, constituting a violation of the law. 

Considering the aforementioned infringements, and in compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and Experian are obligated to maintain accurate information and implement reasonable procedures to prevent violations, duties they are currently neglecting. 

Therefore, in accordance with 12 CFR 1016.7 and my rights as a consumer, I hereby assert my right to opt out of your reporting services.
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MS)

WELLS FARGO DEALER SERVICE Account # ( XXXX ) This account was paid in full. This account was never charged off. I reached out to Wells Fargo to dispute this account and I have included the letters that they sent me. 

Wells Fargo is acting as a predatory lender and they have a history of that. Wells Fargo stated that I requested for a disaster extension on XX/XX/XXXX, XXXX XX/XX/year>. I did not request for an extension on XX/XX/year> because there was no disaster at that time and I was still working. So this statement is false. My XXXX was shut down due to Covid on XXXX XXXX and I did not know about the disaster extension until early XX/XX/year>. Therefore I called to have an extension to start XXXX XXXX and this was the first extension. At the end of my first extension I was still out of work and I called to set up another extension on XXXX XXXX as they informed me that I could drop when setting up the first. 
My second extension was to end XXXX XXXX then after I was to start making payments. 

At the end of the second extension I was still off as people were still catching Covid at my job. A short time before, I received my unemployment and I began to make payments. 

The payment history shows that even during my disaster extension, Wells Fargo was still charging me late payments every month for XXXX. This was a deferment, therefore I shouldnt have been receiving late charges. 

There are a few payments made during the times that Wells Fargo say that I was under a disaster extension that I would have never made If under such extension. XX/XX/year> {$400.00} XXXX {$340.00} payment, XX/XX/year> {$400.00} payment. These XXXX payments were made while under the disaster extension period and during Covid. Two of those payments are made a day apart in the same month. Even when payments were made Wells Fargo continued late charges excessively. If so, should making an extra payment, pay for the upcoming month as it shows as a payment and not a payment towards the principal only. 

Even with making two payments in the same month along with my other payments until the loan was paid, Wells Fargo stated I was 120 day late which cause a charge off. Looking through the statements, in which is incorrect, I do not see anything to result in a charge off. Because of Wells Fargo predatory behavior and incorrect reporting such as : excessive late charges during the disaster extension, late charges added after payments made on time, and incorrect reporting of the first disaster extension given, I would like this charge off remove to paid as agreed. This account was paid on time and because of their inaccurate incorrect reporting it resulted in a charge off which should have never occurred. 

I have included copies as proof of their predatory lending behavior.
Consumer complaint received 2024-07-05
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. (NY)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

i have sent letters and letters to the companies and i havent had no response yet and they are in violation of the FCRA VIOLATION 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 XXXXXXXX XXXX
Consumer complaint received 2024-08-05
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. (TX)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-05-07
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (AL)

We opened a Home Equity Line of Credit on XX/XX/XXXX doing a one time close with United Whole sale Mortgage. The loan was set to convert automatically when the house was finished. The house was finised XX/XX/XXXX and we moved in XX/XX/XXXX. It took the two moths for the mortgage company to send the paperwork to convert the loan from construction loan to convential mortgage. The Documents were sent XX/XX/XXXX overnight. We signed and returned the documents which lowered interest rate when converting to the mortgage and dispersed the final part of the loan to the builder. We also sent them a check for the remaining interest as requested for {$2500.00}. And were told we did not have to make the final payment for {$1700.00} as the interest for this payment was covered in the {$2500.00} check. However the escrow from that payment was not included. The check was not cashed and still has not been cashed, so on XX/XX/XXXX We went ahead and made the payment for {$1700.00} as we would have been considered 'late ' and I spoke with the representative on the phone on XX/XX/XXXX from UWM who stated if I could make that payment I probably should to avoid any late fees which was already my plan anyway. I sent an email for updates to XXXX XXXX on XX/XX/XXXX who was the construction loan specialist and received an email from him on XX/XX/XXXX who was the construction loan specialist stating the loan had finally rolled over. which it did so on XX/XX/XXXX. Which I can see when I log into the website, along with a statement which he stated has the correct payment that is due on XX/XX/XXXX. Fast forward to XX/XX/XXXX, I am still unable to make payments online. The check of {$2500.00} is still uncashed and I assume it will not be at this point. I will officially be late on XX/XX/XXXX but have no means to make a payment. I attempted to pay by phone, but it states my loan is not set up. I have a friend in banking that indicated my loan is probably in the process of being sold, but that information has not been told to me. It seems strange that if thats the case I would be told that it was set up on XXXX XXXX. I also see on the online portal that they collected private mortgage insurance from Escrow during the construction period which they should not have. They disbursed a check on XXXX XXXX but mailed it to my old address which I have not received for {$660.00}.