davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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 am writing to file a formal complaint against Experian, a consumer reporting agency, for inaccurately reporting accounts associated with XXXX XXXX Specifically, accounts related to XXXX XXXX XXXX XXXX XXXX, and XXXX are being reported inaccurately, creating a glaring inconsistency that stands as a flagrant violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ). 

The inaccurate reporting involves discrepancies in the information associated with these XXXXXXXX XXXX accounts. Such inconsistencies not only jeopardize the accuracy of my credit report but also violate the FCRA, which mandates that consumer reporting agencies maintain accurate and up-to-date information. Section 623 ( a ) ( 2 ) of the FCRA requires that credit reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information contained in my credit reports. 

Experian has violated this section as evidenced by the inaccuracies in my credit report, is a matter of great concern.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Despite my persistent attempts, I've encountered no resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the significance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I implore you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will leave me with no choice but to demand the immediate removal of these items from my report.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

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.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

In accordance with the fair credit reporting act. The account list below has violated my federally protected consumer rights to privacy and confidentialty under 15 USC 1681. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX Have violated my rights. 
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 : States a consumer reporting agency can not furnish an 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 or any other advertise item of information, other than records of convictions of crimes of 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 of has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

According to the Fair Credit Reporting Act, the accounts on the list below have violated 15 U.S.C. 1681, which protects my right to privacy and confidentiality as a consumer. 
XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 
602 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
604 15 U.S.C. 1681b ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

605 15 U.S.C. 1681c ( a ) No consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

623 15 U.S.C. 1681s-2 ( e ) Accuracy Guidelines and Regulations Required ( A ) Establish and maintain guidelines for use by each person that furnishes information to a consumer reporting agency regarding the accuracy and integrity of the information relating to consumers that such entities furnish to consumer reporting agencies, and update such guidelines as often as necessary.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Consumer reporting agencies XXXX XXXX, Experian, and XXXX did not follow the following laws after the notice my notice of dispute was submitted : 1. FCRA Section 623 ( a ) ( 3 ) and 2.FCRA Sections 623 ( b ) ( 1 ) ( A ), 3. FCRA 623 ( b ) ( 1 ) ( B ), and 4. FCRA 623 ( b ) ( 1 ) ( C ) in regards to their duties after my Notice of Dispute was submitted by USPS Certified mail. The following are my most recent notices to the credit reporting agencies. 
1. Experian - USPS CERTIFIED MAIL : 9XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Date XX/XX/2024 XXXX. XXXX - USPS CERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024 XXXX. XXXX XXXX - USPS CERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024
Consumer complaint received 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I have had an auto loan with Credit Acceptance sinceXX/XX/2019. I was XXXX at the time and didnt know any better when I got the car. They sold it to me for XXXX, but somehow by the time I signed the contract I owed {$19000.00} and now ( 4 years later ) I still owe roughly {$5000.00}. For about half a year now, I have been trying to get a new vehicle because I now realize I way overpaid for my car. I was told at the dealership, when I bought it, that in a couple years I could refinance my car, only to find out after a couple of years that Credit Acceptance doesnt refinance cars. I have had a hard time getting it refinanced through anybody else ever since. I have also tried selling and trading in my car, but everywhere I turn, I cant even get payoff for my car due to how much I overpaid for it. I am struggling making my payments and I can not get out from under this car. I am not the only person I know in my town that bought a car from these people, only to severely regret it later. I wish I wouldve had someone to guide me when I got this car, but I didnt and now 4 years later, Im still paying the consequences.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

experian has routinely failed to follow the law and do proper investigations or verifications and this has been going on for almost 2 yrs, the have failed to correct and error on XXXXXXXX XXXX XXXX  account and it has hurt me and my family tremendously, i have provided them with evidence that no debt exist- UCC11 search, evidence that debt was discharged 1099-C from XXXX  and they still claim to have verified a debt, this is impossible i also called and found out that they never actually investigated my online disputes they just closed them the same day without investigation this is unacceptable, the says the must be 100 % accurate in reporting, XXXX has removed the entry entirely and XXXX has updated the account, so how can experian continue to report false information and damage my credit for 2yrs see attachment
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (VA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-01-10
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

The mortgage statements with this complaint shows Wells Fargo using XXXX different states. XXXX XXXX XXXX XXXX XXXX The statement XXXX from XXXX show the XXXX accidental death insurance, thXXXX XXXX XXXX doesnt. The payment amount is XXXX on both statements. The XXXX on the XXXX statement is completely different then the XXXX and XXXX fees on the XXXX statements.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (TX)

I spoke with my credit card company, and told them that could not continue to charge me a late fee {$41.00} monthly, and that this law was past this XXXXXXXX XXXX XXXX. 

The supervisor said that they will continue to charge late fees if I am late. Something/someone need to look in the practices of this credit card company. 

The credit card company is Total Visa.
Consumer complaint received 2024-08-22
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. (NY)

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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I noticed unauthorized accounts on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One has not addressed any of the issues that were placed in the complaint. This issue did not start in XX/XX/2020 ; it started in XX/XX/2020. A letter was sent to an address where I did not live but was not made aware of it until I called Capital One later. I was told by one of the reps that my payment was supposed to be a certain amount and I paid the amount requested but then later was advised I was supposed to pay the amount in the letter that I never received. The account was restricted then and I was told that even if I pay it off, I won't have access. The payments that Capital One claimed were returned were associated with a card placed online and were locked at the time of the payments. Capital One turns the autopayment on the account when a payment was made over the phone. I explained this to Capital One reps several times and they were supposed to pull reports to verify but they haven't since 2020. In closing, Capital One has not provided any explanation for the issues I outlined and then has the audacity to claim that payments were returned even when the online card is a Capital One debit card. None of these payments were returned for insufficient funds, it was returned because the card was locked. All of these returned payments were explained to the reps several times but Capital One still claims that these payments were returned due to my fault. I have never made an autopayment to Capital One since XX/XX/2020, but it was made manually. Please address my concerns.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I XXXX XXXX disputed debt collector XXXX XXXX XXXXXXXX number XXXX through CFPB, I asked for CERTIFIED mail receipt with my signature notifying me of the debt. I highlighted their response, and failing to notifying me in 5 days which is a violation, ( no certified mail receipt with my signature ). also this alleged debt has address that I have no association with, also a violation. please reinvestigate and see attachment below. due to failure of investigation, with my finding. if you have any question please email me or contact me at XXXX
Consumer complaint received 2024-01-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Unlicensed Debt Collection by XXXX XXXX XXXX XXXX i wish to report XXXX XXXX XXXX XXXX 's unauthorized debt collection attempts within New Jersey. 

- On XX/XX/2023, XXXX XXXX XXXX XXXX attempted to collect a debt from me. 
- XXXX revealed that XXXX XXXX XXXX XXXX lacks the required licensing to collect debts in New Jersey. 
- Despite lacking proper authorization, XXXX XXXX XXXX XXXX continued their collection efforts. 
- I formally lodged a complaint with the Consumer Financial Protection Bureau, providing evidence of their unlicensed status and continued collection attempts. 

I urge the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX XXXX 's unlicensed debt collection activities and enforce regulations to protect consumers from such unauthorized practices. 

i would like {$1000.00} per violation to the address on file
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

After thoroughly checking my credit reports, I spotted some inaccurate Public record that need reporting and correction through your company. 

I have attached the copy of my dispute letters that were sent it to the Bureaus.
Consumer complaint received 2024-01-10
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)

Hi I have sent in numerous letters to the 3 Credit Bureaus suspecting I have had ID Theft on my report. They keep sending me a vague response saying they dont believe its me that is requesting my information to be updated. I have sent it 3 or 4 request since XXXX and I keep getting the same resonse. I feel they are ignoring and stalling my request to update my information. I would like them to honor my previous request. This is so frustrating as I'm looking to purchase a home in the near future. And there is wrong accounts as well as addresses which are NOT mines. I dont feel its fair to penalize someone for another persons malicious actions. I am the victim here, and I dont think its fair for the credit bureaus to treat me like the FRAUDSTER. I thought about hiring a lawyer but I'm not able to do that. Can you please ask them once again to update my credit profile with the correct information? I would greatly apprciate it!
Consumer complaint received 2023-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

My personal information got leaked in the XXXX data breach upon recognition of new items appearing on my credit report I filed a identity theft affidavit, mailed it to all three credit bureaus, and they intern reached out to the companies that were showing up on my credit report. At first all of the items were removed from my credit report and then about a week later all items begin to appear on my credit report again, but the amounts were different and it appear to have different account numbers which is fraudulent these companies have never reached out to me in reference to any of these accounts Nor have these companies sent anything to me validating that these debts actually belong to me. These companies are putting these negative marks on my credit report without my permission authorization, knowledge or consent from I was never even notified I learned of these things through my credit report.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

Once more, I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. This is my new complaint to dispute the items in my credit file which resulted from an inaccurate credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an inaccurate credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.