davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX- Account Number : XXXXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX
Consumer complaint received 2024-10-07
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)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Nc. XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX  XXXX XXXX, Tx. XXXX Subject : Notice of Dispute for Charge-Offs Dear Experian, I am writing to formally dispute three charge-offs listed on my credit report that have been verified through both a provisional investigation and a reinvestigation. Despite these processes, the items in question remain marked as verified, which I believe is inaccurate and unjust. 
The charge-offs I am disputing are as follows : XXXX  # XXXX Last reported are inaccurate see exhibit ( A ) Delete this account for inaccurate reporting. 
XXXX XXXX # XXXX Date last active is inaccurate see exhibit ( B ) Delete this account for inaccurate reporting. 
XXXX  XXXX # XXXX Date last active is inaccurate see exhibit ( C ) Delete this account for inaccurate reporting. 
I assert that Experian has not fulfilled its obligation to conduct a fair and accurate investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). The repeated verification of these accounts without adequate consideration of the supporting evidence I provided is unacceptable. 
It is my understanding that as a credit reporting agency, Experian is required to ensure the accuracy of the information it reports. The failure to take appropriate action on my dispute demonstrates a lack of diligence in your responsibilities. 
I kindly request that you delete the above referenced accounts, immediately. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-07
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. (SC)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX XXXX & XXXX j : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX & XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX  XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX & XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX & XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-10-07
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. (GA)

I do not recognize these inquiries as authorized by me. I have previously requested their removal, but the bureau did not respond. This information is not mine, not accurate, and I am requesting that it be removed
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear Department, I am writing to dispute a late payment reported by Bank of America on my credit card. I have always paid my credit card debt on time for over 9 years, and this missed payment was due to errors on Bank of Americas part, not mine. 

In XX/XX/year>, I visited the XXXX XXXX, NJ branch to set up automatic payments for my credit card, as I was preparing to travel abroad for three weeks to XXXX and XXXX. Although I attempted to set up auto-pay online, I found the system difficult to navigate. At the branch, the representative assured me auto-pay was successfully set up to cover my monthly gym membership fee of {$21.00}. 

When I returned in XX/XX/year>, I discovered the payment hadnt been processed. I revisited the branch to resolve the issue, but I was unable to get proper assistance. Despite having sufficient funds in my account, the payment was reported as late. I have tried disputing this with Bank of America directly, but they claimed the report was accurate, even though this issue stemmed from their failure to properly set up auto-pay. I can even provide emails and request camera records from the branch to prove my visits. 

I understand the late payment was reported accurately, but it was not my fault, and I request that this be considered in your review. The error was caused by Bank of America, and I have always been diligent in managing my accounts. 

Thank you for your attention and assistance.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KY)

I have been trying to get an issue resolved with Citi since XX/XX/XXXX ( today is XX/XX/20 ) to dispute several credit card charges. It has been nothing less than a nightmare dealing with Citi. I have spent many hours on hold, getting hung up on, given the wrong number and trying to use their chat feature to get no response or get a response from chat in the wee hours of the morning when I was not even available. When initially calling Citi their 800 # wouldn't even route you to a real person it would immediately route you to the automated system if you were lucky or it would hang up on you. I have asked to speak to supervisors and have been told they won't be able to call me back for weeks so just try calling back at another time. This has been a horrible experience. I have been with Citi for many years and have been a great customer and this is the treatment a loyal customer receives? I am a part of a XXXX group with many members who have Citi credit cards and their experience has been quite the same or worse. All over social media Citi is telling the world what they are doing for COVID-19 but won't even help existing customers. This has been so frustrating and I have been patient in trying to resolve this issue through them but it is basically impossible when they won't return calls, disconnect me or flat out just won't listen. I have also field a complaint with my Attorney General and will be filing a complaint with the NY Attorney General soon. Any assistance you could offer would be greatly appreciated. Please know I am NOT the only person this is happening to ... check Citi 's XXXX page for all customer complaints as many many customers are experiencing these same issues. I can be reached at XXXX should you need to speak to me. Thank you
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (CO)

I contacted my current mortgage company, Flagstar Bank, in late XXXX to inquire about their forbearance plan and whether or not I qualified due to the COVID-19 Hardship. They confirmed that I did, and sent me a letter confirming this information stating that my payment would be deferred for a period of 6 months ( XXXX - XXXX, 2020 ). I was told and assured that there would be no negative impact to my credit report during this period and that there would be no late payments reported during the forbearance period. I received information earlier this week that Flagstar Bank indeed reported me late for my XXXX mortgage payment. I contacted them and they confirmed that this wasn't supposed to happen but that I had to dispute this, even thought they admitted that this should not have been reported. This is unacceptable that a company would go back on what they claimed as part of the forbearance plan.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account XXXX : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX XXXX  account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Consumer complaint received 2018-01-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (AZ)

As a result of the actions by Navy Federal Credit Union ( NFCU ), which include their blatant violation of your very own Consent Order File No. XXXX, before the ink was completely dry. 
The NFCU violations not only include your item # 76, their corporate, collections and mortgage personnel went to violate stipulations throughout your court order and clearly after your court actions concluded. Please see the attachment as well as sending me whatever documentation you need from me to grant you legal consent to subpoena any and all of my NFCU bank ( credit union ) records as a result of receiving my endorsement signature. 
Although I was planning to accept an offer for a new career opportunity or me and my family, I was compelled to incur a tremendous financial loss wen selling my property in a normal sale, with subsequent elements of mortgage fraud by the greed and collusion of the following persons : Broker XXXX XXXX, License ID : XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX , XXXX , CA , XXXX and Salesperson XXXX XXXX XXXX , License ID : XXXX, XXXX XXXX XXXX, XXXX XXXX , CA , XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, both of whom conspired to each defraud me out of {$8700.00} each for a total of {$17000.00}. These actions include a devastating delay in real estate services while XXXX XXXX travelled to XXXX while I waited for her to return and complete her job. 
The violations of NCFU contributed to the result of diminishing the preferred amount of time I needed to find suitable buyers for my house which was worth far more than the lowered selling price.