davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
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)

I am writing to request the steps your company undertook during the investigation of the disputed item. Please provide a detailed explanation of how you arrived at these conclusions. Specifically, did you receive written notification from the company or was it a verbal confirmation? 

Additionally, I would like to know the address to which you sent the request or the phone number you used to contact them. Please refrain from sending a generalized response outlining typical investigation procedures. I am seeking a detailed account of how you obtained these particular responses. 

Below is the account that I am disputing : XXXX XXXX XXXX.
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (FL)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX WFDS : XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Detailed Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Consumer complaint received 2024-07-22
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)

" 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Consumer complaint received 2024-07-22
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. (CA)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CDS Debt Relief, LLC (IN)

Back on XX/XX/XXXX I received an email from XXXX XXXX XXXX. 
I followed the instructions and called the number. I was told that based on my credit score, I would have to enroll in their debt relief program through CDS Financial for 30 to 60 days for them to work on my credit score. They said they would get accounts dropped from my credit report so that I would qualify for the loan described on the document. They even said I would qualify for even more money. On XX/XX/XXXX I signed an agreement and agreed to pay {$270.00} a month. I called them after 30 days and again after 60 days. Each time they said they needed more time. 
So, I called in XXXX and XXXX notifying them that I had not heard from the about any progress being made on my credit report. In XXXX when I called they offered to defer my XXXX payment, which I excepted. But shortly after that I found out that one of my accounts listed with them ( XXXX XXXX  XXXX ) had been charged off, which lowered my credit score. I immediately called the and told them that wanted to cancel my agreement. I asked them for an email confirming the cancellation. I received that email on XX/XX/XXXX. ( Enclosed ) Since then I have called almost everyday asking about my refund. I get no answers as to when I will receive it. The last thing I was told was that there XXXX department has been down for over 30 days, which I don't believe. My refund should be {$1100.00} which is XXXX.
Consumer complaint received 2024-07-22
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. (CA)

In Accordance of the Fair Credit reporting act.The accounts/Hard Inquiries below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiries Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this 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. 
15 USC 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 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-09
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. (NV)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (TX)

The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 3 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2024-07-22
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. (TX)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-07-22
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-07-22
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. (LA)

Fraudulent item on my credit report theyve sent this card to multiple times to multiple at the same time and that should have been a red flag they shipped XXXX cards to XXXX different states all within the month of XXXX. The person or persons applied with my information that was stolen and had the card shipped to different addresses in different states
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX : {$28000.00} ;
Consumer complaint received 2024-07-22
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. (LA)

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 2020-08-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX my account with Marcus by Goldman Sachs was blocked. This was the second time it was blocked after I attempted to transfer funds from them to another bank. 

They blocked my access to view the account, access cleared available funds and to close the account. When I I formed them I had a legal right to access my account, XXXX in the XXXX XXXX XXXX location denied lifting the block and refused to provide me with access. 

When I requested a copy of the recording of the call to be able to use in a complaint, XXXX placed me on a long hold while finding out if they could do it. I was then told someone would call me in 1-2 days to provide information about how I could it. 

This all occurred after Marcus lowered their interest rates and I attempted to withdraw my funds to deposit at another location that pays higher interest. They are blocking my access in an attempt to keep the funds with them because in my opinion lots of customers are moving their money after the interest drop.
Consumer complaint received 2023-04-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Motolease, LLC (TX)

In XXXX of XXXX, I took out a lease on a XXXX XXXX. 

This account has been on automatic payments without fail. Moto Lease removed the automatic payment feature when the loan was " paid in full. '' XXXX of XXXX, I receive a notification that my credit report shows a delinquency. I found the error to be MotoLease. I called Moto. Moto stated that there was a balloon payment and they only accept cashiers checks. This was NOT conveyed to me and I never received a bill after the account was " paid in full '' MotoLease refuses to remove the late mark on my credit. I XXXX XXXX never revoked my payments nor authorized Moto lease to revoke my automatic payments. I have had flawless payment history and I am formally requesting through this complaint for Moto Lease to take the payment that is owed and correct the historical data with the XXXX and XXXX agencies as it is erroneous and not depicting an accurate representation of the account. Each day this information continues to report damages my credit reputation and causes more damage. Please advise.
Consumer complaint received 2024-07-22
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. (VA)

I submitted a dispute for this account in XX/XX/2023 and received a response from the credit reporting agencies indicating that the account would not be removed because it was verified. I am concerned about the accuracy of this verification process, as the account information is clearly inaccurate. Therefore, I am now formally requesting details regarding the method of investigation conducted, as outlined in 15 USC 1681i. 

Please note that I am submitting this request through the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with all applicable laws and policies. Given the circumstances, I am requesting a detailed explanation of the method of investigation conducted by the credit reporting agencies, as outlined in 15 USC 1681i. It is crucial to me that the reinvestigation process is thorough and comprehensive, considering my concerns about the accuracy of the initial verification.
Consumer complaint received 2024-07-22
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. (TX)

I am writing to express my serious concern regarding the inaccuracies on my credit report. Despite multiple requests for investigation, I have yet to receive a satisfactory resolution or corrective action. These disputed accounts are having a severe impact on my credit file and significantly affecting my daily life. 

The inaccuracies have caused immense hardship, and I am now compelled to request your immediate assistance in addressing this matter. Please conduct a thorough investigation into each of the disputed accounts and take prompt action to update and correct my credit report. 

Restoring the accuracy of my credit file is crucial for my financial well-being, and I urgently need your help to rectify this situation without further delay. Your swift action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your understanding and prompt attention to this matter.
Consumer complaint received 2024-07-22
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. (MS)

I am writing to file a formal complaint against XXXX and Experian for their failure to properly investigate and address my identity theft dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Background : Identity Theft Incident : I have been a victim of identity theft, which has resulted in several fraudulent accounts and incorrect information appearing on my credit reports with XXXX and Experian. 

Reporting and Documentation : Following the guidance provided by the credit bureaus, I filed the appropriate identity theft report with the Federal Trade Commission ( FTC ). I also submitted an affidavit of dispute, along with three forms of identification to both XXXX and Experian. 

Non-Compliance by XXXX and Experian : Despite my adherence to all necessary procedures, XXXX has responded with a letter stating that my disputes do not appear to be from me, which is both incorrect and unlawful. I have made multiple attempts to rectify this situation by providing all requested documentation, including my FTC report and a sworn affidavit. However, both XXXX and Experian have failed to open a proper investigation into my claims and rectify the inaccuracies on my credit report. 

Fraudulent Account XXXX : One of the fraudulent accounts that I am disputing is with XXXX, account number XXXX, with an amount of {$480.00}. 

Violations : Fair Credit Reporting Act ( FCRA ) Violations : XXXX and Experian are in violation of FCRA provisions, which mandate that credit reporting agencies must conduct a thorough investigation upon receiving a dispute along with appropriate identity theft documentation. 

Failure to Conduct a Proper Investigation : By dismissing my dispute and failing to open a proper investigation, XXXX and Experian are neglecting their legal obligations under FCRA Section 611 ( 15 U.S. Code 1681i ), which requires a reasonable investigation of disputed information.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have identified several serious discrepancies with Experian 's reporting of my account named " XXXX XXXX XXXX '' ( account number : " XXXX '' ) on my credit report. Notably : 1. Payment history is incomplete, with no data recorded for the periods from XXXX to XX/XX/XXXX, and XXXX to XX/XX/XXXX. 

2. A repossession incident has been erroneously reported twice, once each in XXXX and XX/XX/XXXX. 

3. Payment status inconsistency was reported as 30 days late in XX/XX/XXXX, escalated to 60 days late in XX/XX/XXXX, and then surprisingly reverted to 30 days late in XX/XX/XXXX. 

Despite my efforts to dispute these discrepancies with Experian, my claims have been dismissed as " verified '', suggesting an insufficient investigation into the matter. To compound the issue, I have received no documentation validating the reported debt, nor any records of repossession or details on the balance calculation. Finally, the statute of limitations for this debt, under Pennsylvania law, has elapsed.
Consumer complaint received 2024-07-22
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)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 those account 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. 

XXXX XXXX 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