davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
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)

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.
Consumer complaint received 2023-12-12
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 appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC (FL)

This organization was contacted back on XX/XX/XXXX and a formal settlement agreement was entered into ( which has been asked for several times and, each time, nothing but excuses is given ) Payments were made of {$82.00} on XX/XX/year>, {$30.00} on XX/XX/XXXX, and XXXX on XX/XX/XXXX. So as of the close of XXXX, {$140.00} out of XXXX was paid. 
Then {$90.00} was paid on XX/XX/XXXX and the final payment of {$57.00} was paid on XX/XX/XXXX and debited out of my XXXX account on XX/XX/XXXX. 

Now, this company sent a misleading communication dated XX/XX/XXXX stating the account was closed per my request, when in fact this account has been closed since XXXX per the financial organization. 
To make matters worse, I was advised that my payment is being hold on a float hold until XX/XX/XXXX when it cleared my account 20 days earlier ( which seems to be a fraudulent practice ) Then, to add insult to injury, i am still being charged interest. 

So, it seems this organization has no intention of honoring their side of the contractual obligation, and i am about ready to file a criminal complaint with the XXXX XXXX Atty General office as well as seeking legal remedies..
Consumer complaint received 2023-12-12
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. (PA)

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 XXXX Account number # XXXX, has 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 : It also 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 Any other adverse item of information, other than records of convictions of crimes 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-12
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. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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. (GA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

30 days late payment is incorrect please update payment was not established with account holder. I XXXX XXXX XXXX XXXX AUTO/FIXED RATE XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX, XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-12-12
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NH)

I have a credit card with Cominity BankXXXXXXXX XXXX # XXXX. The first time I used the card I made a purchase on XX/XX/XXXX for {$77.00}. When I tried to make a payment on or about XX/XX/XXXX, the website would not let me set up an online account. When I tried to make a phone payment, the calls kept on getting dropped/disconnected. On or about XX/XX/XXXX, I received a call from Comenity and I made the payment in full with the agent. I asked about the late fee and was told that they could see I had attempted to login and they would remove the late charge. Next statement I was charged a late fee of {$30.00}. In XXXX, I tried to call them but the only options they gave me on the phone was to make an automated payment. Now, with another late fee the balance was {$63.00}. Same thing for XXXX, XXXX and XXXX, with late fees of {$40.00}, {$44.00} and {$45.00}. 

On XX/XX/XXXX, I sent a letter to Cominity telling them of my difficulty trying to connect with an agent and asking for all these charges to be removed, as they had originally agreed. On XX/XX/XXXX, I received another statement with another {$46.00} added on to the balance, bringing the balance up to {$230.00}. 

I was finally able to reach a customer service agent on XX/XX/XXXX, after three disconnections/dropped calls in the process. They refused to remove the original {$30.00} fee that they had agreed to back in XXXX and would not remove any of the other late fees. They told me that if I didn't pay the full balance now an additional {$50.00} late fee would be assessed next week. I spoke with a supervisor, who offered that if I paid {$150.00}, they would remove the rest and close the account. I paid them {$150.00} to avoid further gouging.
Consumer complaint received 2023-12-12
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC (GA)

I tried to Contact U.S. Auto sales for my payment history so that I can show you guys receipts on how much in total I spent on the car but the number that I tried to reach has went out of service. That company was doing alleged repossessions and charging me on wrong dates when I made sure that I made my payments on time. Westlake Portfolio Management has also refused to give me my Payment History as well and all they been asking me was is when Im going to pay them for a car that I cant even get back when I tried to get my vehicle out of repossession. Mind you the car cost a total of XXXX I already spent XXXX on the vehicle and all I had left on the car was XXXX but then XXXX Auto sales had sold the car for XXXX thats just False Advertisement for both Westlake Portfolio Management and XXXX XXXX sales and I was wondering if I could get a refund for XXXX cause stuff Is just not adding up with these XXXX companies I really Appreciate you guys for the help as well CFPB I wish you guys the best always and forever.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I was denied credit by both XXXX and XXXX based on an Experian credit report. Since then, I made multiple unsuccessful attempts to get that report. Recently, I filed a complaint with CFPB to address the issue and the company responded without providing a means to get the report. As recently as this week I XXXX  their numbers for customer support and have not been able to speak with a live person to obtain the credit report they prepared that was used to deny me credit. 

Based on Experian credit reporting, XXXX and XXXX stated I have too many delinquencies, but that is false. And I have yet to see the report prepared by Experian. I can speak with live agents at XXXX and XXXX but not at Experian. Both XXXX and XXXX credit scores are over XXXX points higher than Experian. Why? I recently paid off my car loan and have one credit card with almost XXXX balance. I googled live customer support and called the number on the email to no avail. 

I filed this complaint because Experian has failed to provide the credit report, and I can not contact a live agent or get that report without paying.
Consumer complaint received 2023-12-27
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)

Experian refuses to update my account balance with the correct information from XXXX XXXX account. The card company reported the balance to all credit agencies. My account statement and a letter from XXXX XXXX clearly shows that the account is closed and paid in full since XX/XX/, but Experian will not update the account, and are violating my rights to have accurate information reported to my account. This is unfair practices and I believe they have a personal issue with me and are retaliating via refusing to update the account. I have never experienced this before and is not sure what to do.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/year> Capitol one froze both my checking and savings accounts. I sent notice of exemption from garnishment on the same day. I receive public benefits, and per Minnesota Law, I am exempt from wage garnishment. I receive XXXX XXXX XXXX XXXX currently and prior to garnishment of my funds. Today, XX/XX/year>, Capitol One combined the balance of my checking and savings, and issues a levy check to the Attorney representing the collections account, despite my sending all required proofs on XX/XX/year>. I filed a complaint with my state consumer protection, who directed me to this department to file an additional complaint.
Consumer complaint received 2023-08-28
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: EQUIFAX, INC. (TX)

**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX XXXX XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting la late payment. Equifax has it as 60 days on XX/XX/2022 and both XXXX and XXXX has it as 30 days in XX/XX/2022. Please see the attachments. This is an error. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have called paid off the balance on this account and they are just being petty and stubborn. This is against FCRA. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. I would rather you all delete the account now. Though it will hurt my average account age. Its better that, than you all keep inaccurately reporting late payments on an account that was never late and has been paid off. I don't ever want to do business with them because of how they took advantage of customers during COVID. They are not supposed even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting look going is just wrong and illegal. I am suffering because your personnel or the systems you use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights!
Consumer complaint received 2023-12-12
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. (MI)

I am aware that, despite customers providing precise information, your responses to numerous disputes, complaints, and challenges have been using pre-written standard form letters. I understand that this practice is unlawful because each customer complaint should be individually considered and addressed accordingly. 

My letters have been created using readily available software accessible to everyone. Choosing not to process or address my letters would violate 15 U.S. Code 1681i. Delays in processing consumer letters based on the assumption that third-party assistance may be available are illegal and do not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Failure to respond to my correspondence promptly will be interpreted as a willful disregard for my customer rights, and I will be compelled to involve my lawyer and pursue legal action. 

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted Metro 2 data field reporting standard, I have the right to dispute any information on my credit report that I believe to be inaccurate. It is crucial that all data in a consumer 's file is properly documented and validated before being made available for use by creditors. Therefore, I take this matter seriously. 

The allegations of delinquency and derogatory information against me are entirely false, and I am unwilling to accept any misinformation associated with my name and financial history. I am determined to fight back vigorously. The accuracy of your credit report is paramount. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would instill greater confidence in the accuracy of the information presented. 

It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that you know do not meet regulatory requirements is unacceptable. We must ensure that all claims are accurate and reported in the appropriate format mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with the utmost care and diligence. 

XXXX XXXX XXXX Charge-off {$15000.00} XXXX XXXX XXXX Charge-off {$4200.00} XXXXXXXX XXXX XXXX Charge-off {$5100.00}
Consumer complaint received 2023-12-12
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)

This person never inquired if anything furnished on my report is accurate. They just took it upon their self to damage my reputation. 

As far as Im concerned all of the inquiries, hard & soft does not belong. 

They say that they reach out to the company to verify or validate but they never contact me to see if its the truth. 
Thats a violation under the FDCPA Everything furnished on my report as of XX/XX/ is inaccurate, false & miss leading ( XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX )
Consumer complaint received 2024-07-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (CA)

XXXX XXXX is still trying to collect on unauthorized charges the dealership has called and reached out to them to have it corrected but they refused to listen they even sent a check back to Westlake finance which they claim was sent to the address with out a XXXX XXXX XXXX refuses to remove the over charge of the warranty XXXX and XXXX and XXXX and other charges with interest.XXXX and myself have tried numerous of times to have the conversation on the contract the was wrong I have call serveral times over the course of the years and they refuse to hear anything or make notes on the account about the accuracy of the additional fees they should have been removed I have even reached out to XXXX about these charges and they play in my favor to resolve its is impossible to communicate they told me that I owe a balance after filing for XXXX XXXX XXXX and I gave permission for they to call me back still refusing to resolve they told me the account is written off and that they are trying to o repossess my vehicle when I have over paid the car was XXXX and I paid XXXX down but other unauthorized charges was add making my loan more then it should have been they refuse to give the title to my car I owe they nothing they owe me from what I over paid with interest
Consumer complaint received 2023-11-13
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)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 


XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-12-12
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act these accounts have violated my rights. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-16
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX