davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Please provide specific evidence of consideration extended directly to me. Should you fail to provide such documentation within fifteen business days, this will constitute your consent to repay the balance shown ( which is a billing error as a positive balance as i understand general accounting practices positive is what i have in my account and if i add anything to it the value will go up not down ) on my report in a positive amount due to me, multiplied by four as a remedy for the oversight. 

Furthermore, I understand XXXX XXXX XXXX to mean along with others all obligations are that of the United states treasury which means they must have performed to create this note and the public debt needs to be balanced. I request that settlement or payment for all credits or positive balances be transferred back to the U.S. Treasury account in which I am designated as a Beneficiary. I would also appreciate guidance on any steps required to access this beneficiary interest upon repayment of this credit. 

Thank you for your prompt attention to this matter. I look forward to your response and confirmation of the requested actions within the specified timeframe. 

Sincerely, XXXX, XXXX : XXXX
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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-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. (NY)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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. (TX)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
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. (FL)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
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. (TX)

I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-07-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (TX)

XX/XX/XXXX we began our pre qualification portion of our FHA loan and we spoke with XXXX XXXX. All required docs were submitted a week later. A couple weeks go by and we heard nothing so we called XXXX and was told the underwriter need us to clear up dome student loan stuff and we did so a few days later we uploaded it to the portal. 2 more weeks go by and no word, email, or phone call. So we called and request a supervisor and noone returned the call. Another week goes by and we called and get into a big argument with XXXX XXXX XXXX XXXX 's manager ) he refused to send any docs so I explained there are laws regarding this and he terminated the call. I began calling twice per week since XX/XX/XXXX demanding answers but we are only getting pushback from corporate and everyone else. On XX/XX/XXXX I spoke XXXX XXXX who. ( On a recorded line ) stated he seen several mistakes and would address them immediately. We never heard anything from him or anyone else. Then today XXXX a XXXX operator sent us some very XXXX texts and phone calls. While I'm speaking to another operator the racially motivated rep is sending threats to our personal cell phones which is a REAL NO NO but she did it and we informed them and they sent us a cease and desist letter go figure. If a customer service rep retaliated against ANY CUSTOMER that's a huge RED FLAG..BEWARE OF THIS COMPANY..
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. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Bought about 3100 in furniture from XXXX XXXX, in XX/XX/XXXX set a pre-paid amount there at the store. After 1 year the interest on the credit card increased so much that I have been paying 150 since XX/XX/XXXX yet I still owe XXXX. They have said they will not reduce or work with me at all ( I am fine to pay some of the interest they have alloted, but not the ridiculous sum of almost what I would have paid originally and 2 years and 4 months of payments of XXXX ). XXXX XXXX is the bank, I called them on XX/XX/XXXX. I spoke to XXXX who said he was a manager, and they said they will not do anything for me. Thank you for taking your time to look into this, and I am hopeful something can be done, I am willing to explore options to help resolve this.
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (FL)

I keep getting denied credit and loans, because of the false and misleading information that is being reporting by the 3 credit bureaus. I start writing and disputing these items online and through the mail since XX/XX/XXXX. While studying my right under the CFPB, I learned that the 3 bureaus pursuant to the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I sent each bureau the same letters, requesting my file. They were discrepancies across the board, a lot of inaccuracies with my name, addresses, creditors, balances, and utilizations. After receiving numerous adverse action reports, they all kept repeating the same information. So, I started auditing and disputing the Accuracy, Fairness, incomplete, and privacy on my credit report. Equifax and XXXX compiled to my demands and either deleted or changed the adverse marks to the favorable marks that they were supposed to be. The only one that is not following is XXXX, they keep sending correspondence in the mail. Saying that they did an investigation, and everything is right and updated. 

I have written XXXX and they received my letters on XX/XX/XXXX, and XX/XX/XXXX. I've requested that XXXX provide the evidence of the investigation and reinvestigation. To provide Who they called, who they spoke to, names, addresses, and times. I told XXXX in my letters that no one in my family never got a phone call, I, personally never got a phone call. I asked my next-door neighbors, and they were never contacted, so I would like to know who they did the investigation with? Times are hard and I've been denied numerous times this week for loans that would help me and my elderly parents with food, healthcare, and gas to get them around to their appointments. this has brought on a lot of stress, bitterness between me and my spouse and lack of confidence in the government. I have requested the follow from all XXXX bureaus and XXXX Is the only bureaus that has not complied. 

Inquires deletions - XXXX XX/XX/XXXX - XXXX XXXX XXXX Bank XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX Utilization to 3 % - XXXX  XXXX - XXXX XXXX Bank XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX LATE PAYMENTS/COLLECTIONS DELETED - XXXX XXXX  XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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. (CA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-08-07
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)

My account with EXPERIAN 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 in ( MONTHS REPORTING LATE ) to be removed.

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 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
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. (FL)

I have been contacting Experian for the past four months, I have no resolution to remove inaccuate address on my credit report. I have called Experian and spoke to a rep on XX/XX/XXXX removing my address. The rep stated I will need to send my identification such as driver 's license, copy of ssn, and a bill. I sent certified mail in XXXX the documents. Then, I received an email that stated my credit report has been updated. It was not. I sent another certified mail with different documents-copy of my cable bill, copy social security number, and my lease. XX/XX/XXXX, I received another email stated the results of the processing of your dispute ( s ) are now available. View the results instantly online. My results was not updated.
Consumer complaint received 2024-11-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XX/XX/scrub>XXXX XXXX XXXX XXXX  Credit Acceptance Corporation, whom our vehicle is financed through called stating that they received the complaint from the Credit Bureau and wanted to offer a " XXXXXXXX XXXX XXXX XXXX' of late fee of approximately {$28.00}, but would continue to be on the receiving end of more late fees due to them not offering due dates to be moved. They only offer " promise to pay '', which will then lead to the late fee even with it being a arrangement. This case number is connected to this complaint. There are other factors that lead us to be in this financial position and hardship that involved both the car dealership ( XXXX XXXX ) and the finance company XXXX Credit Acceptance ). 

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. (VA)

Im not liable with this debt with XXXX XXXX XXXX. I do not have a contract with this collection agency XXXX XXXX XXXX. They did not provide me with the original contract as requested. 

Correction to my credit report. I demand this company be removed from my credit report. 

15 USC 1681 FRCA SECTION 605b
Consumer complaint received 2024-10-06
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. (OH)

XXXX XXXX XXXX. 
Account number XXXX Opened XXXX {$270.00} XXXX XXXX Account number XXXX Opened XXXX {$2000.00} XXXXXXXX XXXX XXXX Account number XXXX Opened XXXX {$630.00} This account does not belong to me. i have no knowledge of this account. 15 USC 1681b Please remove these accounts of of my report
Consumer complaint received 2022-03-25
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (MD)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.