davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, I looked at my Experian, credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Recently i looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the items i am asking you to verify as accurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (FL)

On XX/XX/2022, I order on line some impressions mold with XXXX XXXX I use affirm to make partial payments every months. Right after I received from XXXX XXXX my first mold impressions kit, I followed all the instructions and send them back Like they instructed. After that I received an email from XXXX XXXX saying that the teeth impressions mold were not good that they going to send me an other impressions kit. So, they did .... and I followed the instructions and send them back. I received an other email that I need it to re - take my teeth impressions again. This time I when to a dentist for assistance, they help me with my teeth impressions mold and I send them back thinking this is it. '' I finally are going to get my teeth ''. For my surprise they send me an email saying that the teeth impressions was not good. I immediately send them a email asking them for the reason, they never answered my email. I decided to cancel my order and since them, they still haven't refunded me my $ XXXX and they still charging my bank account for the monthly payment. I contacted affirm and they told me that they can not help me. Because is over the 60 days, I explained to them that I was dealing with XXXX XXXX  and they never returned my emails or phone calls, How I am going to continue paying for a product I never received. That's not fair for me as a customer. XXXX XXXX says that I need it to fill out a cancelation form, I filled out that cancelation form millions of time, even today I fill out an other one and they haven't refunded my money or neither closing the account. I don't know what else to do. And the good part is that every time I fill out the cancellation form they send me an email acknowledging the cancelation request. 
I feel like they are robbing me, and if I stop paying i will end up in the credit report. This has been a nightmare help.
Consumer complaint received 2022-04-01
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-08
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the item, or inaccurate information, from my file immediately & send me the results to the address .XXXX  XXXX
Consumer complaint received 2022-07-02
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. (FL)

XXXX has stated that my account was paid late XXXX time ; XXXX days. 

After talking to many customer service reps, I was finally told on XX/XX/22 that XXXX has had issues with their computers resulting in false XXXX day late payments. 
I was informed to dispute these with the credit bureaus. XXXX did not investigate or fix the issue. ( XXXX day late payment on ALL XXXX of my credit reports ).
Consumer complaint received 2024-08-06
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-06
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. (MI)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX MI XXXX XXXX XXXX Balance : {$320.00}
Consumer complaint received 2022-07-02
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. (NC)

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

My name is XXXX XXXX. I am writing this complaint myself. I previously submitted this complaint with the CFPB against US Bank, however, US Bank indicated Im an unauthorized third-party ; which is false and misleading. There is no third-party involved. This was US Banks attempt to escape accountability. Due to U.S. Banks egregious response, I have now resubmitted the same complaint below, including filing a valid complaint with the OCC. On or around XX/XX/year>, my U.S. Bank checking account was closed. The branch manager XXXX at the XXXX, CA branch mailed a cashier 's check. I received the check and deposited it into my new XXXX checking account. However, XXXX bank informed me that they called US Bank and they were told the check was fraudulent. I then called XXXX to bring this to his attention, however, he said the check was real and there's nothing else he can do. It is now XXXX and U.S. Bank has failed to return my {$100.00}. I seek to hold U.S. Bank accountable.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX was opened XX/XX/XXXX but none of the payment history from XXXX XXXX XX/XX/XXXX is provided. Please provide full payment history. 

US Bankruptcy Court # XXXX is missing the full docket number and the city and the state of the court. Please provide full docket number and court information. 

XXXX XXXX # XXXX the entire payment history is missing.
Consumer complaint received 2022-04-01
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (NY)

As a federal protected consumer I know you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish and at least 1 % of the company pursuant to TILA 1640 or any other amount of damages pursuant to 1692K.
Consumer complaint received 2022-07-02
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. (MA)

This Complaint is about Equifax In the month of XXXX of this year XXXX I disputed Multiple Fraudulent accounts that were reporting to all 3 bureaus. Equifax, XXXX XXXX XXXX. I sent multiple dispute Letters explaining the FCRA laws. I clearly stated in this Dispute Letter that this Debt is NOT owed by me and it is a Violation of the Fair Debt Collection Practices Act FDCPA -807 ( 15 USC 1962e ). 

On XX/XX/XXXX, I received an Alert from Equifax. They explained to me that all Fraudulent Accounts have been deleted off my file. My file was all clear and my score raised back into the mid XXXX where it originally was. 

I recently checked my Monitoring Service and Noticed on XX/XX/XXXX Equifax Reinserted an account that was previously Deleted. This account which is XXXX XXXX XXXX was one of the fraudulent accounts that I disputed and Equifax Deleted it off of my file. 

Now they have Reinserted this account reporting as Closed, {$30000.00} owed & Opened XX/XX/XXXX with a 76 month term with 97 % current payment made with one Not current payment in XX/XX/XXXX. This information is incorrect. 

The FCRA law states I was supposed to receive notification in writing within 5 business days about reinsertion of previously deleted accounts.

Here is a snippet of the Dispute Letter I sent to Equifax about reinserting this account : In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or, If authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the Law.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, I am reaching out to file this complaint due to being misled by the company regarding a forbearance plan. I contacted the company to be placed on a forbearance plan when I was having a difficult time. I was told during this time my account would not be reported as late. Additionally, I made my payments way before the plan ended and even made my payments earlier then described on the plan. Please remove any negative reporting payment history that is in place.
Consumer complaint received 2024-08-06
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. (NM)

An inquiry was made by XXXX XXXX XXXX XXXXXX/XX/XXXX and reported to Experian. I did not make this inquiry. My account at XXXX XXXX was open on XX/XX/XXXX. I already had an account for my car, and did not make this inquiry. I did not give XXXX XXXX permission to look at my credit report.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

On or about the XXXX of XX/XX/2024, XXXX XXXX XXXXXXXX obtained a copy of my credit report. As reported by Experian, the score submitted to XXXX XXXX XXXXXXXX was XXXX. However during the time my report was obtained, the score which was reflected on my Experian Credit Report as visible to me was considerably higher. That score was XXXX. This possibly played a part and impacted my credit buying power.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2018-01-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU (CA)

It was during XXXX and XXXX XXXX time period, when I was going through severe hardships in my business and a new born, pilling medical bills and was not able to pay on time. The company is asking me to pay some amount which I am totally not aware of. 

CREDIT BUREAU XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - {$51.00} Tried reaching out to them a few times and they are not willing to work with me.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IL)

Since at LEAST XXXX, Experian has repeatedly failed to verify my identity. I have even set up an account with them to be able to lock my credit report. No problem with that. I have sent pictures of my drivers license ( more than once ) and answered all of their questions. Yet, they STILL tell me " I'm sorry Sir, but I'm unable to verify your identity at this time. '' Because the state of Illinois uses Experian for identity verification, every time I try to apply for a state program, I CAN NOT finish the application because something is BROKEN at Experian. I have had no problems with identity with many other entities, including federal agencies ( VA ) but this issue goes ON and ON and ON. 

I have spoken with Experian, but of course, they can tell me nothing. 

I am XXXX XXXX XXXX and have XXXX XXXX XXXX XXXX and a host of other problems, making walking difficult. I am on XXXX  XXXX. Experian suggests I drive the 10 or so miles to the local office to finish my application. Not very helpful. 

I would like this issue to be resolved once and for all. Any assistance you can give me would be MUCH appreciated! 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-08-06
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. (NM)

An inquiry was made by XXXX XXXX on XX/XX/XXXX and reported to Experian. I did not make this inquiry. My account at XXXX XXXX  was open on XX/XX/XXXX. I already had an account for my car, and did not make this inquiry. I did not give XXXX XXXX permission to look at my credit report.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.