davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (MI)

This complaint is in regards to XXXX XXXX XXXX acct # XXXX I've disputed this account with Experian, XXXX XXXX and XXXX XXXX I've also submitted several certified letters to all three credit bureaus with no resolve on the repeated reporting of this inaccurate information on my credit report. 
In accordance with the Fair Credit Reporting Act. The listed above account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. USAA SVG BK 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.

Also 15 USC 1666b ( a ) clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This therefore is fraud on both the CRA and the furnisher of this information
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX Account XXXX : XXXX Date Reported XX/XX/XXXX I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX and can provide documentation to support this.

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX to confirm the validity of the reported late payments.
Consumer complaint received 2024-04-26
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: ALLY FINANCIAL INC. (TX)

Ally Financial stemming back to XXXX This is account of as charged off back in 2018 and I had ( 2 ) accounts. One for a personal and business vehicles : Ive been in communication with them and their 3rd party collection company that I believe the sold the account to because Ally will not speak to me on the phone because the account is with XXXX yet Ally Financial is the one that is reporting negative information on my credit reports. 

Ally Financial was sued and a few years ago for the same reasons they show I owe $ XXXX on a repo. I asked for them to provide proof, never received anything. 

Ive disputed some several times over the years and provided my emails and conversations that I had with their team member that advised that this account should have be cleared like my personal account It never was and in speaking to their 3rd party collection company they say they can not do anything about it. 

However how can Ally Financiak report this as negative when they are not servicing the account and 3rd party is. 

I recently disputed it again and they changed comments and updated balance due date which dropped my credit my XXXX points. How can this be charged off already from XXXX, affected my credit back then, how can the same negative account affect my credit score for a second time.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Hello, It is stated under the law 15 USC 1681-a ( ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ) Late payments reported on the XXXX XXXX XXXX XXXX account violate this law. This letter is requesting the removal of all late payments on the following account immediately.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-04-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX XXXX fraudulently did not report my payment information in XX/XX/2022 with the credit card ending XXXX to all credit bureaus. 

XXXX  XXXX XXXX is NOT reporting the current and updated address to all credit bureaus.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

They claim that biometrics is the way the way my card was used but I know for a fact that isn't the case because I found my phone but not my card and the last time I used my virtual card I wasn't able to
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

I started a dispute with Discover Card about a charge of {$1100.00}. I later decided to put a hold on the dispute because the Merchant promised to provide the services.

The Merchant never provided the services, so I called Discover back to resume the dispute. 

Discover agents told me the will not resume the dispute, because their policy would not allow them to do so. I asked why I wasn't informed about that, and if they can provide me with the Credit card Account agreement where I can get these details. I has been over ten days and I never received any documents. I called back they told me again they can not resume the dispute.

I've provided them with documentation where the Merchant has stated that they did not provide me with services and even documentation stating that the Merchant will refund me the funds, to the same discover card and they did not refund the funds.

I don't understand, If a service is not provided, and I haver overwhelming documentation to prove my point, how can discover not protect me? 

I've not been provided with Account Agreement for Discover Cards, I believe I have the right to receive such documentation in a timely manner for me to review if the was disclosed to me ever. I have not been provided with one after several requests.

Please help.
Consumer complaint received 2023-07-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Company closed and charged off account in XX/XX/XXXX. They have been reporting the account as closed on a monthly basis as of XX/XX/XXXX. Per FCRA, it is a violation to report a closed account on a monthly basis after closing an account due to manipulating my credit score. I have reached out to the company and credit bureaus regarding this violation and they have not fixed the problem. This account should be deleted for being in violation.
Consumer complaint received 2023-06-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

In XX/XX/XXXX, I applied for a Loan Modification with Flagstar Bank and was offered a XXXX % modified interest rate. The loan mod paperwork was incorrect so I went back and forth with Them to get it corrected over several months. When the new paperwork was sent out in XX/XX/XXXX, the interest rate jumped up to a XXXX XXXX rate. When all title info was corrected, Flagstar Bank sent out a Trial Plan Agreement that went up to {$4400.00} for 3 months. I managed to pay the three payments and when the modification paperwork was sent to Me the interest rate jumped up from XXXX XXXX XXXX XXXX XXXX and the monthly payment was {$4400.00}. On XXXX XXXX I sent Flagstar My completed documents and on the XXXX They could not accept the documents due to an error that was Their fault. They resent the documents to Me and the Flagstar paperwork stated that They would be sending a mobile notary to finalize the docs but that never happened and so Flagstar closed My mitigation. On XX/XX/XXXX, I was approved for a partial claim due to XXXX and monthly payment of {$3800.00} at a XXXX  % interest rate. The paperwork sent to Me still had My Wife 's Maiden name on the Title docs after all this time spent correcting it and closing My modifications.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2024-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (PA)

I WAS BILLED BY AMERICAN WATER FOR THE XXXX XXXX XXXX WITH NO INFORMATION OF THE CITY AND ZIP CODE PROVIDED FOR {$1400.00} WHICH I NEVER EVER LIVED AT THE SAID PROPERTY AND WHICH I NEVER OWNED AND IT WAS DATED XX/XX/year>. 
AROUND THAT DATE I HAD JUST COME TO THE US AND HAD NO BANK ACCTS AND ALL I NVER LIVED AT THE PROPERTY. THIS IS A FRAUDENT BILL WHICH I HAVE REPORTED TO THE POLICE WITH THE INCIDENT NUMBER XXXX.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Around XX/XX/XXXX we opened aa Credit Account with XXXX XXXX to shop on XXXX XXXX XXXX. We ordered some appliances which were delivered very late. 
XXXX XXXX never sent us an actual card, never sent us any paper statements. The only way to find out were, when and how much do you need to pay is to find their phone number online. On XX/XX/XXXX, I was notified by my credit monitoring service that a negative report for late payment was reported to my account. Per records I the payment was late back in XX/XX/XXXX. I called the creditor and they told that my payment in XXXX was late. I told them the Creditor have being charging my account automatically. In XXXX the creditor charged my bank account automatically twice for XXXX $ each transaction, even when the minimum payment was XXXX XXXX Specifically, on XX/XX/XXXX and XX/XX/XXXX ( please see the statement attached from XX/XX/XXXX ) Then another charge of XXXX $ was processed on XX/XX/XXXX. 
In XXXX I checked my account I noticed that the creditor processed a refund dated XX/XX/XXXX I called the Creeditor and I was notified that their system charged my account twice so they issued a refund in form of a paper check. They asked for another card information, which I gave them and they have being processed payment automatically ever since from the same bank account. Me as a consumer I did everything that had to be done for my balance to be paid, when the creditor deliberately charges my account then issues refunds, stops charging my bank account and never notifies me of any payment issues and makes incorrect credit reporting 5 months after. The Creditor incorrectly reported a 30 days late payment for the month of XXXX which was never late. I filled a dispute with All XXXX credit reporting agencies twice already and Creditor still refuses to correct their mistakes.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (GA)

RE : REQUEST TO BLOCK INFORMATION DUE TO IDENTITY THEFT I am writing to formally dispute the validity of the debt listed under my name and social security number, specifically the account titled " DEPT OF EDUCATIONXXXX  '' ( Account # XXXX ) which was allegedly opened on XX/XX/2015, with a reported balance of {$150000.00}. 

I have no knowledge of this account and firmly assert that I did not open it or authorize anyone else to do so on my behalf. Consequently, I believe that I have been a victim of identity theft.
Consumer complaint received 2023-07-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

I purchased furniture in XXXX from XXXX XXXX, and XXXX XXXX  help with a loan. I made on-time monthly payments until XX/XX/XXXX, when suddenly the account was closed because my credit score went down. 
I called the servicer. I asked them why they closed an account with good payment history. 
The customer service person told me they closed it due to my credit score being low. 
I could no longer make payments on a closed account. 
I see on my credit report the account still shows as a collection with a balance of {$2000.00}, I called them to pay on that due account and they said they can not find the account, or me owning anything. 
I am attaching a recent credit report taken by a HUD XXXX XXXX and the account shows as {$2000.00} unpaid balance ; however, also attached a credit report from XX/XX/XXXX where the same account shows a balance of {$1500.00} and a note on the account that says payed on time never late. 
I want to have this account removed form the report or at least not shown with a balance due. 
I am trying to purchase a home and this account is not allowing me to secured a mortgage.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

Subject : Dispute of Inaccurate Information on Driving Record Dear Sir/Madam, I am writing to dispute inaccurate information on my driving record as reported by LexisNexis. Upon reviewing my driving history, I discovered that there are two accidents incorrectly attributed to me : Accident on XX/XX/2021 XXXX. Accident on XX/XX/2021 Contrary to the information provided, I, XXXX XXXX, was not at fault in either of these accidents. In both instances, I was not issued a ticket, and the police reports confirm that I was not deemed responsible for the accidents. 

I want to emphasize the significant impact that these inaccuracies on my driving record have had on my personal life and family. Due to these erroneous reports, my insurance premiums have been unreasonably high, placing a financial burden on me and my family. These inflated premiums strain our budget and limit our ability to allocate funds toward other essential expenses, such as education, healthcare, and savings for the future. Additionally, the inaccuracies create undue stress and anxiety, as they misrepresent my driving history and unfairly tarnish my reputation as a responsible driver. Rectifying these errors is not only crucial for my financial well-being but also for the peace of mind and stability of my family. 

I respectfully request that these false statements be removed from my driving record promptly. As accurate reporting is crucial for various aspects of my life, including insurance premiums and employment opportunities, I urge you to investigate this matter thoroughly and correct the inaccuracies without delay. 

Enclosed with this letter are copies of the relevant police reports and any other supporting documents that verify my innocence in the aforementioned accidents. 

Please inform me in writing of the actions taken to rectify this situation and provide me with an updated copy of my driving record once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XX/XX/2023 RE : Complaint ID XXXX ( XXXX XXXX ) RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/2023 } and I noticed an unauthorized credit inquiry had been made. 
I contacted { XXXXXXXX XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX  XXXX Account Number : XXXX Date Reported :XX/XX/ & XX/XX/ I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for XXXX : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX XXXX to confirm the validity of the reported late payments.