davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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. (OH)

To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-04
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX 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 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 informationisinaccurate.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is incorrectly reporting my address and has refused to correct the miss-information, stating that XXXX XXXX and XXXX other creditors have reported this address. This is highly unlikely. 

I have lived for over XXXX decades at XXXX XXXX XXXX XXXX XXXX Experian has reported my address as XXXX XXXX XXXX XXXX XXXX, and when I spoke to a condescending agent, she told me I needed to deal with my creditors, because they were reporting that information. 

XXXX XXXX and all of my creditors have no problems sending me bills to XXXX XXXX XXXX XXXX XXXX. They have never sent a bill to XXXX XXXX XXXX XXXX XXXX. 

The nice lady who lives, and has lived there for decades as well, at XXXX XXXX XXXX XXXX XXXX calls me when we receive mail at her place. In most instances, it was a mistake with the mail carrier. However, since my credit is currently excellent, she get a lot of pre-approved credit applications. This is golden opportunity for credit fraud facilitated by Experian. 

I suspect that Experian 's software that correlates addresses is directionally challenged and does not know the different points of a compass or does not care.
Consumer complaint received 2024-10-04
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate.
Consumer complaint received 2024-10-09
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - Chapter : XXXX  XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report.

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information.

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous.

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made.

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose.

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-09
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. (NC)

In response to the documentation you provided regarding the alleged debt owed to XXXX XXXX XXXX XXXX. 

. While I appreciate your response, the documentation you submitted does not verify the debt as required under the Fair Credit Reporting Act ( FCRA ). I am requesting further verification or immediate removal of this account from my credit report if such proof can not be provided. 

After reviewing the documents sent to me from you all, this information does not satisfy the requirements to verify the debt under the FCRA Section 611a.

The specific information needs to be provided : : 1. The lease agreement provided is incomplete. Please provide a FULL and SIGNED lease agreement that includes the full terms and my signature.

2. The photos and charges do not definitively show my responsibility for this debt, and further clarification is needed to show that the charges were properly applied.

3. The ID provided is not my name, which raises concerns about the accuracy of this information and whether it is connected to this alleged debt.

Under the FCRA, you are required to provide COMPLETE documentation proving that I am indeed responsible for this debt. If you can not supply full proof of this debt ( including a signed lease agreement, full documentation of charges, and proper identification ), I demand that you immediately cease all collection activity and remove this account from my credit report. 

I have also filed complaints with the Federal Trade Commission ( FTC ) and XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter. If this dispute is not resolved. I am prepared to take further legal action to protect my rights under the FCRA and any applicable consumer protection laws. 

I expect to hear from you with confirmation that the debt has been removed or a COMPLETED and thorough verification of the debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-04
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)

XXXX XXXX XXXX XXXX Account number XXXX Under the provisions of the CARES Act, which aims to protect consumers affected by the pandemic, I am requesting that you consider removing this late payments from my credit report as a gesture of goodwill. I am confident that this isolated incident does not accurately reflect my creditworthiness or financial responsibility. The late payments in question was an anomaly caused by the unprecedented financial strain I faced during the height of the pandemic. 
The late payments listed were during the pandemic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the reporting of the late payments is inaccurate, a payment can not be considered XXXX XXXX XXXX XXXX XXXX in a row. This isn't factual reporting and is a violation of my consumer rights. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, all information must be reported accuracy.
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I presented payment via mail XXXX XXXX XXXX XXXX XXXX. I performed my obligation. I requested a billing error dispute to update and correctly credited the account. I filed XXXX to the IRS and XXXX XXXX notice concerning fiduciary relationship to the company, to the CEO and indentured trustee to perform their duties pursuant to the indentured agreement that is on file with the SEC. The letter of instruction has been sent to instruct the trustees over my account. The trustees have the authority over my account. I request that the customer support department and compliance department be on notice that the trustees will perform their duties for my account. The company has adversely affected my credit report by inaccurately reporting. The company has not updated the accounting to credit my account properly and have it reflected to the credit report agencies.
Consumer complaint received 2024-10-04
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)

This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I have contacted the company per your request and they stated they do not have any record of me applying with their company. They also stated they do not have the ability to dispute an inquiry with the CRAs and I should contact the CRAs myself to request the inquiries to removed. I have submitted a FTC complaint and I ask that you remove these inquires as they are a violation of my consumer rights. If you neglect to remove these inquires you will be in violation of 15 USC 1681b and will be subject to legal action
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I was told to call back when I get the annual fee charge to get it waive. I spoke to manager XXXX XXXX and he refused to remove the charge. 
I am requesting for the fee to be waived as I was promised. 
The manager XXXX has no manners. He placed me on hold 3 times without asking for permission Is this how citi treats its customers? 
I asked him to please speak clearly and he spoke even faster making it imposible to understand. What type of Citi employees are this?
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (SC)

Ayo Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX  none of that its just a hassle Appreciate you understanding
Consumer complaint received 2024-10-04
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 sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-04
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)

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. USC 1666b states that any billing errors must be corrected and the account updated to show it was paid as agreed.
Consumer complaint received 2024-10-04
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. (GA)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I received a copy of my credit report and there is a Chapter XXXX Bankruptcy Discharge Ref # XXXX. I have never filed for bankruptcy and asked that you have the bankruptcy removed from my credit report.
Consumer complaint received 2018-09-27
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. (CA)

Since XX/XX/2017, I have tried to have 2 incorrect accounts removed from my credit report, because I have not done business with the institution. I have all sent the bureaus a fraud affidavit in this regard and the 2 fraudulent/unknown accounts still exist on my report. I noticed Experian has a wrong social security number on my report. I have sent in my social security card and they still have not correct it. I believe that is how the two accounts got placed on my credit due to the wrong social security number.. 

XXXX- XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Equifax keep reporting inaccurate information on my credit report. What's reporting inaccurate is my address, and a few accounts I've been disputing over a period of months even a year. Equifax would remove/delete inaccurate items and addresses when I dispute with proof, and then add it back on my credit report with no warning or any proof that its mine. Plus they would send me a letter stated deleted, and it was never deleted. Under the 609 FCRA the credit bureaus must prove that the account is mine with a contract, agreement and provide a reasonable investigation with proof. I disputed my address on XXXX, XXXX and received a letter back from Equifax XXXX XXXX, XXXX stating that the inaccurate addresses was deleted. However I still seen the addresses that I disputed still remaining on my personal information part of my credit report. I called XX/XX/XXXX and spoke with a supervisor and she mention that the confirmation number we have is the same as the one they sent me but the deleted items on the report are different from the report I have. They are scammy and fabricators. The deletions she gave me was from another previous dispute I did back XX/XX/XXXX and they switched it on there records and made it like I just been disputed on XX/XX/XXXX and use the account number as if it's a new dispute. Equifax is violating the consumers rights by such a frivolous action by doing such. Please delete inaccurate information that you know you can't verify.
Consumer complaint received 2024-10-09
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. (AL)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$500.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-09
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. (OK)

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 2018-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The company didn't do anything I cancelled my cards between XXXX and XX/XX/2017 because of Fraud. I cancelled the card and reported fraud and it is showing up as a open account that is delinquent. The amount is XXXX dollars.