davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (AZ)

{$17000.00} reported on my credit Bureaus. This is NOT my account. Our credit alert informed us of credit account opened in my name. I have no knowledge of this account. I reported to XXXX XXXX, XXXX. the company that opened this account IS Upstart Holdings Inc XXXX XXXX XXXX XXXX XXXX XXXX, CA., XXXX. Upstart asked me to confirm my information- and I did provide them the information. Upstart claimed they had NO Record of my having any account even after Upstart Verified this account with all 3 of the credit bureaus. Upstart Holdings asked my permission to do a credit application account and I Refused. this account was opened XX/XX/2023 and the credit bureaus reported that I have made 2 payments. this IS Fraud and Upstart claims they have " no knowledge ". This is not my account
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-19
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-11-10
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. (MI)

I am writing in regards to this account still showing on my credit report- Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reference # XXXX Pursuant to 15 USC 1681b , I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Credit Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instructions to whom it relates.

My character was defamed, my character, my reputation, my worthiness, capacity, and mode of living, has been destroyed.

All of these violations are a direct violation of 15 USC 1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18 USC 1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability and i demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on the right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all of your systems immediately.
Consumer complaint received 2024-07-19
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX -- -INQUIRIES -- - XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (UT)

Contacted company XXXX XXXX XXXX SOME TIME IN XXXX OF XXXXXXXX XXXX to tell them that this was NOT MY DEBT OF {$1100.00} and THAT I DID NOT OBTAIN OR OPEN THIS account as I recently found out during that time period that I was a victim of identity theft! I SENT AND OR MAILED THEM COPIES OF THE IDENTITY THEFT REPORT THAT LISTED THIS ACCOUNT ON IT AS WELL!
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 that are reported 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. XXXX XXXX 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
Consumer complaint received 2024-07-19
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)

I am writing to REFILE the complaint against EXPERIAN for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to EXPERIAN, along with the assigned identity theft case number XXXX. It has come to my attention that despite my dispute letter dated XX/XX/year>, EXPERIAN has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that EXPERIAN, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge EXPERIAN to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect EXPERIAN to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Consumer complaint received 2024-07-19
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-07-19
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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-19
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am writing to file a complaint regarding the inaccurate reporting of my XXXX XXXX by XXXX to the credit bureaus. My XXXX XXXX have been in forbearance since XXXX XXXX XXXX, and I have emails from XXXX to prove this fact. 

Despite providing evidence of my loans being in forbearance, the credit companies are reporting incorrect information. This has negatively impacted my credit score, and I believe that this inaccurate data should be deleted in accordance with the Fair Credit Reporting Act. 

I have attached copies of the emails from XXXX confirming my loan forbearance for your reference. I am requesting that the inaccurate information be immediately removed from my credit report to reflect the true status of my loans. 

Thank you for your attention to this matter. I look forward to a prompt resolution to ensure the accuracy of my credit report.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am trying to secure a loan for a house for XXXX. I have already been approved for {$63000.00} for a mobile home. Why is it so difficult to get a loan with a bank for almost half the amount? ( Issue # 1 ) I was told that I had an outstanding amount owing of around {$3000.00}. I was contacted by the consumer to settle the amount for {$490.00}. The consumer tole me that the amount would post to my account and consider it paid in full. ( Issue # 2 ) If they can take your money, why cant they press a few buttons and show that account paid in full right away? Why do we allow them 30 days to report it paid in full? ( Issue # 3 ) I paid that amount. I gave that company my corrected address. Why then did they send the letter to my old address and finally I got the letter with the yellow forwarding address? ( Issue # 3 ) Why is it that there is so much room for error between the 3 credit bureaus? ( Issue # 4 ) Why does each lending organization/bank have so much latitude to make adjustments to my credit score reported by the credit bureau and then make their independent discriminatory decision about lending me money? ( Issue # 4 ). 
I need my credit score from all three agencies to reflect the payment I just made on XX/XX/2020. I need to know what my credit score is right away. I tried to go to XXXX to request my score for XXXX as I was told to do by a TransUnion representative today XX/XX/2020 and there was no such prompt to go to to get a " CREDIT SCORE " for XXXX cents or other wise. Why is this so difficult. Why is my credit score not FREE? 
I spoke to an XXXX employee on XX/XX/2020 and asked her to correct my name and addresses and she instead added a NEW incorrect name to my report. This is negligence and needs to be addressed. Why do I need to now send in a identity verification to fix this and it will only be fixed with one credit bureau and not all three????? The Credit Bureau processes need to be streamlined so that they are easier/more user friendly and improved so that they help rather than hurt and confuse the end users. Please respond to my email address XXXX asap. I need to know what my credit score is  right away. I was willing to pay the XXXX cents but could not even get access to that website. Does it even exist? Is it just something that the credit bureaus are told to tell us to get us off the phone?
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Between the dates of XX/XX/XXXX and XX/XX/XXXX, I was in the process of getting a loan. I reached out on the internet and started working with what I thought was a company named XXXX XXXX. Turns out it was scammers pretending to be them. They sent me a contract showing me what my payments would be and had me sign via e-signature, thru docu-sign. They even presented a copy of a check with my name on it, telling me it would be deposited into my account. Then someone called pretending to be Chase bank, asking me to verify my account information. The phone caller id said it was coming from Chase bank. I was later shown cashiers checks from Chase and told that we needed to transfer some money back and forth between my account and theirs in order so they could deposit the loan as well as any money transferred from my account. These scammers had me put money on my XXXX XXXX card and transfer from it, reassuring me that the cashiers checks would be deposited. When XXXXXXXX XXXX  stopped working they said it was a technical problem with their system and that I would need to go to XXXX to finish the process. They sent me a bar code to scan and I used my debit card to send it. Chase said they will not refund any money since I participated in this. Chase also allowed the scammers to reverse almost $ XXXX in ACH payments without my authorization.
Consumer complaint received 2024-07-19
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. (AZ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 ) ( 7 ). 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 informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-19
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. (NJ)

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 XXXX XXXX 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 XXXX XXXX Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-19
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)

According to 15 USC 1666B : " A creditor may not treat a payment on a credit card account under an OPEN end consumer credit plan as a late for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information by section 1637 ( b ) of this title is mailed or delivered to the consumer XXXX  days before the payment due date. 

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