davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXXXXXX XXXX XXXX. customer service representative. I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report. Your prompt attention to this request is greatly appreciated. Thank you for your understanding and cooperation in resolving this matter. I look forward to your positive response and to continuing a positive relationship with XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute and request the removal of inaccurate information that is currently present on my credit report with your bureau. I have identified specific issues that require your immediate attention : an inaccurate late payment entry that persists despite being successfully removed by another credit bureau. 
Inaccurate Late Payment : XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I kindly ask that you investigate these discrepancies promptly and take the necessary steps to correct the inaccuracies on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and I trust that your bureau will uphold these standards.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC (AL)

Reporting wrong information on my credit report 15 USC 1605 Equal Credit Opportunity Act 15 USC 1635 Truth in Lending Regulation Z Act 15 USC 1662 ( 2 ) -No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

XXXX XXXX XXXX were fraudulently used on cash app in an account that doesnt belong to me I reported it to my bank and my bank denied the claim! Cash app couldnt find the account using my information so they said report it to my bank now Im out of almost {$10000.00}
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

After examining my personal credit report, I have identified certain inaccuracies that could significantly impact my ability to purchase a home. While I understand that errors can occur, these particular mistakes could have detrimental implications. I am familiar with the dispute process and the time constraints that come with an investigation. The following errors have been identified : XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. I kindly request that you remove these inaccurate accounts from my credit report as soon as possible. Given the current economic challenges, the negative impact of incorrect information on my credit score is a major concern. I expect an updated credit report that reflects these changes within thirty ( 30 ) days.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received an email from XXXX. Previously, the other email sent from same address was treated as spam ; therefore, I do not believe it as legal email. I opened the account of the Bank of America and do not recognize XXXX XXXX XXXX. I received the call from XXXX several times, but I prefer the communication by the message and notification system of the Bank of America. 
Sincerely,
Consumer complaint received 2024-05-17
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. (MI)

I am a victim of human trafficking and I am dealing with a really aggressive case. I just received 3 notifications regarding things were added to my report that shouldnt be there. I attempted to dispute the information online but the portal no longer gives me an option to dispute. I made an error on the last CFPB complaint within the documentation so I am sending it again. Please advise that this is NOT a duplicated complaint. It is an updated complaint. The previous complaint should be disregarded.
Consumer complaint received 2023-05-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CO)

XXXX auto loan balance has not been updated on my credit report since XX/XX/XXXX. Per conversations with XXXX XXXX, they claim they've been sending monthly updates, however none of my credit reports are accurate. There is a break down in the process somewhere which they're not acknowledging. 

They all show an incorrect balance of XXXX with last payment date of XX/XX/XXXX. 

Correct balance as of XX/XX/XXXX is XXXX - last payment in XX/XX/XXXX.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

It's been over 30 days and the creditor never updated information or provided proof or documentation in regards to the late payment marked on my account. According to federal law if they fail to provide this information and complete the investigation in 30 days this information should be deleted from my account as soon as possible.
Consumer complaint received 2023-11-21
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)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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 2023-11-21
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 2023-11-21
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 am filing a formal complaint against XXXX and XXXX for multiple violations of consumer protection laws. XXXX has engaged in fraudulent practices and mishandling of my case, violating the Identity Theft and Assumption Deterrence Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act. XXXX has also failed to follow their own guidelines, resulting in inaccurate credit reporting. I request that the CPFB thoroughly investigate this matter and take appropriate action against both entities. I trust that justice will be served and my rights as a consumer will be protected. Thank you for your attention to this matter.
Consumer complaint received 2023-11-21
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. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-17
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)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Experian Account # : XXXX Account Type - Detail : Unsecured loan Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX Experian XXXX XXXX Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXXaws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I noticed a hard inquiry that was place on my XXXX XXXX from Bank of America from Texas. Someone stole my IDENTITY to use my name to open an account to this bank. I file a complaint to FTC about this madness they had give me a referral number. It is attached to this complaint as well.
Consumer complaint received 2023-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Tesla, Inc. (NC)

In XX/XX/XXXX  I contracted to purchase a Tesla XXXX  XXXX via the Tesla purchasing process. There is no personal interaction, and communication is entirely by text, e-mail and phone app. I specified at the sales contract signing that I had arranged financing outside Tesla and would deliver payment prior or at time of delivery. Without my signature, authorization or knowledge, at the time I notified the 'app ' that payment would not be through Tesla financing, on XX/XX/, Tesla immediately drafted {$58000.00} on XX/XX/XXXX  from my checking account. Tesla previously had authorized access to that account for lease payments on a vehicle previously leased by me from Tesla. I had, however, at no time approved or authorized Tesla to draw the full purchase price of the new vehicle from my account, and Tesla did not request that approval to draft my account. 

I resolved the matter by transferring the purchase amount from my outside lender, and my only loss was the 'stop payment ' and 'block payments ' charge my bank charged me to block Tesla from doing this. 

Please investigate the processes at Tesla finance that enable the company to engage in this seemingly unlawful activity.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 i made claim with Bank of America about my debit card fraud, they gave me a new debit card and told me they would investigate the matter. After they claimed they investigated, they denied me by stating that after researching they saw that i was the one who made the purchase, so i wrote them an affidavit asking them to rebut all which i have stated in it with wet blue ink signature and signed by a notary, and attest to what they accused me of, which they did not. They did not get me any details on how they went about conducting the investigation. By law they must comply with my demands. I will be taking them to arbitration.
Consumer complaint received 2024-05-17
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)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Experian Account # : XXXX Account Type - Detail : Unsecured loan Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX Experian XXXX XXXX Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

1st Complaint, Experian refuses to report my name accurately, at present is reported in Experian as XXXX XXXX XXXX ; correct name is XXXX XXXX XXXX ( Reference Birth Certificate, Social Security Card and ID cards included in attachments ). I have tried talking to several representatives on various dates over the phone : XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

2nd Complaint, Experian is not reporting accurately on my credit report after my Chapter XXXX Bankruptcy filing, I initiated a formal dispute on XX/XX/2018 to Experian and it did not resolved the problem. Moreover, I even provided a reference of the Fair Credit Reporting Act to Experian ( Reference my attached Experian dispute letter ) in my letter and again the problem remains. Furthermore, XXXX  and XXXX  are reporting my Chapter XXXX Bankruptcy filling correctly ; giving me the chance as a consumer to build my credit and get a fresh start on my finances. Unfortunately Experian is not providing me with the same reporting information ; showing 18 late payments, collections, charge offs, etc. Please i need your assistance to resolve this issue with Experian and begin my fresh start with my finances. Thanks for your time and attention in this Matter. 

XXXX XXXX XXXX ( Ret. ) XXXX Veteran
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

I requested help using the XXXX application and while on the phone with the bmo banking representative she instructed through the process of initiating a XXXX transfer, after the first attempt was not successful she claimed to clear things up on her end and asked me to try again, I was asked to retry the process about 3 additional times and I said forget it and asked to just submit a wire transfer the representative guided me through that process and after a day of waiting that was also unsuccessful. I then received a phone call on XX/XX/XXXX XXXX confirm the wire transaction, which I did confirm and was told everything was fine. The wire was still never processed and bmo placed a restriction on all of my accounts it is now XX/XX/year> and the restrictions are still in place. I have gone into the branch to verify my identity thinking that was the issue and all they could do was reference me back to calling the 800 number for assistance. I have called every single day since and I am still not given any response or answers regarding my accounts. All of my money is tied up and I am unable to survive nor pay for anything.
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

I went to XXXX XXXX XXXX XXXX, they have a XXXX company called XXXX XXXX XXXX who state sending you bills. I have about XXXX coming in. My ex-employer through Discrimination forced me out of my job. My father and XXXX was giving me money to pay my bills. So I can go to the bank and show the checks where I was paying what I could to them. I was paying {$20.00}, {$5.00}, {$3.00}, what I could. They decided to take the time of service off the bills and put current dates on it and stop sending my bills and immediately sent them to collections while I was paying on them. They are XXXX dates from as for back as XXXX and I have asked for date of service, they will not provide it. The statue of XXXX XXXX XXXX is XXXX years and these are well over XXXX years but by fraud they have put a current date on. I can not afford a lawyer because I can show I was paying what I could didnt miss a payment and they sent it to collections. 
I have contacted the XXXX XXXX XXXX  about this XXXX XXXX XXXX and the illegal billing needed to be investigated and they wont do anything. 
The other example of fraud is LVN, I have contacted the Credit bureau that this is a XXXX XXXX XXXX zombie, I havent had an account with XXXX in XXXX  years that they took the dates off all the documents that they can go to XXXX and see date of service I havent had this account since XXXX but they put current dates on it trying to collect a XXXX debt and its XXXX XXXX XXXX. XXXX of limitations is XXXX  years here in XXXX I want to file a lawsuit as I am a XXXX woman, who is being harassed because I have notified these creditors and the Credit Bureaus about their fraud and scams and I will have to get a lawyer because they are still harassing me. Ive told them to cease and desist. The XXXX doesnt cater to frivolous lawsuits over XXXX  debt that is over XXXX XXXX XXXX and the statue of limitation in XXXX XXXX 4 years. I will go to court with them.
Consumer complaint received 2023-04-21
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. (OH)

My XXXX  XXXX account on my credit file is showing that its been late in XX/XX/XXXX more then 90 days and in XXXX XXXX XXXX 120 days. It is also being reported on my credit file that in XXXX XXXX XXXX I was late 30 Days and in XXXX XXXX XXXX I was late 60 days. This account is listed as being late I have never been late on this account.
Consumer complaint received 2023-11-22
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.