davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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)

Today I visited XXXX of XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) to inquire about a possible trade-in. The sales representative, XXXX XXXX, repeatedly assured me that only a soft inquiry would be taken from Experian to estimate financing rates and payments. However, I immediately received notice from Experian and XXXX that 2 hard inquiries were performed without my authorization. I never applied for a vehicle loan, filled out any form, or authorized a hard pull. The manager, XXXX XXXX, also denied performing any hard pull. Resolving this issue with the credit bureaus is an extreme hassle as neither will allow online or phone disputes in this situation. They recommended having the dealership contact them, but I do not trust them. 

Experian lists the inquiry as " XXXX XXXX XXXX XXXX and XXXX lists it as XXXX XXXX . Both were submitted today, XX/XX/XXXX. My credit scores have already been negatively affected. 

Manager email : XXXX Sales rep email : XXXX Phone number : ( XXXX ) XXXX
Consumer complaint received 2024-10-22
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-10-21
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. (MN)

I have attained an attorney regarding Experian for their lack of competency on investigating things on my credit report. I want to make sure I keep a paper trail on them how they NEVER investigate. Keeps cases open on here while they have already come back saying these accounts are accurate. They are violating several of my rights by consistently posting accounts that are either not mine, closed/with balance or inaccurate dates. 

They came back on last week XX/XX/24 online stating that the following are my accounts. I asked them to send me something with my signature and they have not. 

XXXX. XXXX XXXX XXXX showing closed with a balance reporting every month XXXX. XXXX XXXX XXXX not my account- asked for something with my signature on it showing this account is mine. Nothing from them XXXX. XXXX XXXX showing as closed/account with a balance reporting every month XXXXXXXX XXXX XXXX- NOT MY ACCOUNT. I have told this them several times and asked them to send me something with my signature showing this information. They have sent me nothing The laws they are violating : This situation violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 1681i : The right to dispute inaccurate information in my credit file. Section 1681s-2 : The requirement for furnishers of information to provide accurate and updated information to credit reporting agencies. Section 1681e ( b ) : The obligation of credit reporting agencies to ensure maximum possible accuracy in the information they report. Section 1681c : The rule that closed accounts should not continue to show a balance.

Despite my attempts to resolve this issue directly with Experian, they continue to report an incorrect balance on this closed account, which is adversely affecting my credit score and financial standing. I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with the FCRA.
Consumer complaint received 2024-10-22
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. (MS)

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.

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 information is inaccurate.
Consumer complaint received 2024-08-20
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. (TX)

This is NOT a duplicate report, and this is not filed by a 3rd party or Agency, this is filed by me. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to : 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 an account without my written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account XXXX XXXX Account Name : XXXX & XXXX XXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  XXXX  XXXX Account # XXXX In addition, please provide the following : 1. Creditor Information ( Name, Address and Phone Number of Original Merchant ) 2. The Payment History and Itemized Billing Associated with Each Account 3. The Original Contract with My Signature on It 4. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.
Consumer complaint received 2024-10-22
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-22
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)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-09-13
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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)

Dear CFPB, I am writing to file a complaint against XXXX for misreporting an installment loan as revolving credit on my credit reports with Experian, XXXX, and XXXX. The account in question is for a water system and functions as an installment loan, not a credit card. 

Despite contacting the creditor, they have refused to correct the classification of this loan and continue to insist it should be reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively affecting my credit score.

I believe this misclassification violates the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : The credit bureaus are not ensuring maximum accuracy by reporting an installment loan as a credit card.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : The creditor has not fulfilled their obligation to provide accurate information to the credit bureaus.

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. If this account is not corrected within this timeframe, I request that it be permanently removed from my credit report as it is currently inaccurate and harmful to my credit standing. 

I kindly request that the CFPB investigate this matter and require the creditor to correct the account classification or remove the account entirely from my credit report if the correction is not made within the legal timeframe. 

Thank you for your assistance.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I received a notification from both experian and transunion that my mortgage was 30 days delinquent ( XXXX ). My wife and I pay the mortgage, on time, every month and XXXX was no different. I called our mortgage company ( XXXX ) who said they had no record of us not paying and didn't understand why this had been reported but I was to put in writing/email them with the issue and they would look into it. Its been over a month and I've had no response. The delinquent account has been taken off my credit report ( it seems anyway ) but my credit score has not gone back to its original number. It dropped from XXXX to XXXX. Also, my wife 's credit score was completely unaffected which makes this even more baffling.
Consumer complaint received 2024-10-22
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. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-22
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX for FCRA and FDCPA Violations To Whom It May Concern, I am writing to formally file a complaint against XXXX, EXPERIAN, and XXXX for their ongoing delay tactics and failure to take responsibility for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my repeated attempts to resolve my concerns regarding the inaccuracies within my credit report, I have experienced significant distress due to the lack of accountability from these agencies. The credit bureaus have engaged in incessant postal correspondence requesting identifying information, citing an inability to locate my credit file. This is particularly frustrating as I have consistently provided the same information through both online platforms and over the phone, which they acknowledged without any resolution. 

Furthermore, it is essential to clarify that my disputes are not related to issues of identity fraud, but rather stem from abusive tactics and what I perceive as gross negligence in handling my credit information. The lack of timely and appropriate responses, combined with the continued use of delay tactics, has caused me significant harm. 

If these issues are not addressed promptly, I will consider seeking further action to protect my rights under federal law. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters urgently and take appropriate action against these agencies for their violations. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-10-22
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. (MD)

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.

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 information is inaccurate.
Consumer complaint received 2024-10-22
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. (NC)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-10-22
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. (WA)

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. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} 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 2024-10-17
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)

Not my account. Ask XXXX to send me a letter of verification but have never received XXXX. My ssn is being compromised and is on the dark web according to Experian. Someone else has my info. XXXX has not provided me with a verification letter as of today.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am refinancing my home and was looking for the best rate. I reached out to a company called XXXX XXXX and spoke to someone named XXXX XXXX. I told her I had been talking to XXXX and they had pulled my credit score on XX/XX/2021 so I DIDN'T want XXXX to pull my score if it was going to be considered another hard inquiry. She told me it would not impact my score. XXXX sent me information from the CFPB website that says you have a 45 day window when it comes to mortgages inquiries. I told her she could pull the report but that was because I was under the impression it would NOT count against me. I have written to all 3 credit agencies and they told me the window is 14 days. They have said they will not remove the inquiry. The inquiry I am disputing is from XX/XX/2021 XXXX XXXX lending via XXXX XXXX. I wrote to XXXX XXXX but the letter was returned saying they had moved with no forwarding address. I would like this hard inquiry removed my credit.
Consumer complaint received 2017-05-19
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: EQUIFAX, INC. (TX)

I have contacted Equifax about removing an inaccurate chapter  XXXX  bankruptcy being reported on my credit file. I have requested validation of this chapter  XXXX  bankruptcy by the court and my original signature on this chapter  XXXX  bankruptcy. Equifax has not provided me any requested documentation. I have a signed letter from United States Bankruptcy court stating that the court does not verify records with the credit reporting agencies. Equifax is using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this in accurate information.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I had a XXXX credit card through Fifth Third bank. Fifth Third bank was notified of my new address since XXXX of XXXX. Despite multiple requests, Fifth Third continued to send statements to a prior address. Sometime in XXXX, payment on the XXXX fell behind, unnoticed in part because Fifth Third continued to mail statements to the wrong address. Subsequently, Fifth Third reported a failure to pay to all credit agencies, dramatically lowering my credit score. Despite this negative reporting, Fifth Third failed to send me any notice of the same as required by 15 USC 1681s-2 ( a ) ( 7 ). 

With no notice of this negative report and statements not being sent to me, the problem went unnoticed for a period of five months, was subsequently discovered on a credit report, and the balance was paid in full. Fifth Third, now refuses to remedy this reporting problem and their violation of the Fair Debt Collection Practices Act.