davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2024-07-29
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. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of auto loan XXXX XXXX XXXX # XXXX, student loan DEPT OF EDUC XXXX # XXXX, DEPT OF EDUC XXXX # XXXX, XXXX XXXX # XXXX. XXXX  # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, 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, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

And according to 15 USC 1681s-2, they are supposed to 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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have a credit card with First premier bank, I haven't used this card in over 3 months and i don't carry any balances on this card. I just recently lost my XXXX and XXXX, the card company is charging me a fee every month to have a card with them. In error i forgot to pay the {$10.00} fee, I wasn't notified about the late fee until it had climbed to {$57.00} dollars. I always put all my cards on auto payment as i have exceptional credit, this company doesn't have a auto payment feature in their system as they told me they stopped having it during covid and never put the feature back in the system. 
This is very stressful as i'm currently in the process of purchasing a home for me and my family, I just recently looked at my credit score and because of this {$10.00} 30 day late on my credit my score has dropped XXXX points from this issue. This will destroy my credit worthiness and history, Only because i wasn't able to put this card fee on auto payment. 
I have to manually pay {$10.00} every month. Im asking you to contact this company that hasn't been helpful at all. The company should at least have a option for auto payment, so if a customer has to pay this fee every month, he or she doesnt have to manually put a payment in for the fee of {$10.00}. I believe this is done purposely so most people will forget about the fee and be charged a late fee and late payment on their credit report.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo informed me they closed my accounts because I had a XXXX XXXX XXXX as the Physical Address. 

I informed them someone must have fraudulently changed the address on the bank account and for them to cancel the cashiers check. However, Wells Fargo has made no attempted to mitigate risk by cancelling the check. 

For 6 months I have requested records of the physical address history and for them to confirm the Physical Address as seen in my emaisl from Wells Fargo emails. But Wells Fargo has evaded doing either. 

The responses from Wells Fargo that the Physical Addresses on the accounts were XXXX XXXX are unfounded because Wells Fargo has not provided an address history, and the address contradicts its emails.
Consumer complaint received 2024-07-29
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)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

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. ''
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I reached out to all three credit bureaus in regards to the accounts listed below, XXXX, XXXX, and Experian have all failed to send me the proof of the charge off and the copy of their investigation. 

XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I checked my credit report and seen some inaccurate information. Or my information was illegally sold. I am not liable for this debt with XXXX XXXX XXXX, orignal creditor is XXXX I requested an original copy of contract with my signature around 30 days ago. They have not provided me with the contract
Consumer complaint received 2024-07-29
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)

I am writing to provide a formal statement regarding certain accounts listed on my credit report that I believe to be fraudulent. I wish to make it clear that I have no knowledge of, nor have I authorized, any of the accounts in question. 

The accounts in dispute are as follows : XXXX Account XXXX : XXXX I assert that these accounts were opened without my consent or knowledge. I have not received any correspondence or notifications related to these accounts, nor have I engaged in any transactions or agreements with the entities associated with them. 

I take my financial responsibilities very seriously and have always been diligent in managing my credit. The presence of these fraudulent accounts on my credit report is distressing, as they do not reflect my financial behavior or obligations. 

Responsibilities of Credit Bureaus When Identity Theft Is Reported Under the Fair Credit Reporting Act ( FCRA ), credit bureaus have specific responsibilities when identity theft is reported : Investigate Disputes Promptly : Upon receiving a dispute regarding fraudulent accounts, the credit bureau must conduct a prompt and thorough investigation into the accuracy of the disputed information ( 15 U.S.C. 1681i ).

Block Fraudulent Information : If the dispute is substantiated, the credit bureau is required to block the fraudulent information from the credit report within 4 business days of receiving notice of the fraud ( 15 U.S.C. 1681c-2 ).

Provide Written Confirmation : The credit bureau must provide written confirmation once the fraudulent information has been removed from the credit report and inform me of the outcome of their investigation.

I have already taken steps to address this issue by disputing these accounts with the credit reporting agencies and providing necessary documentation to substantiate my claim of fraud. I respectfully request that these accounts be investigated thoroughly and removed from my credit report as per the legal obligations of the credit bureaus.

Thank you for your attention to this matter. If any further information or documentation is needed, please do not hesitate to contact me.
Consumer complaint received 2024-07-29
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. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of auto loan XXXX XXXX XXXX # XXXX, student loan DEPT OF EDUC XXXX # XXXX, DEPT OF EDUC XXXX # XXXX, CAPITAL XXXX # XXXX. XXXX # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Letter sent to each credit bureau ( XXXX, XXXX, Experian ) I requested that inaccurate information be removed from my credit report, and asked for an updated report was information was removed.
Consumer complaint received 2024-07-29
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. (GA)

I've RECENTLY BEEN MADE AWARE of a wonderful law that exists to help me close this awful chapter in my life. For which I have been fighting you people for years to removethe following blemishes on my consumer files due to being a victim of XXXX the information listed below, which appears on my consumer reports is the result of that XXXX ... ITEMS TO BE BLOCKED 1. LATE PAYMENTS ON XXXX XXXX XXXX # XXXX ( INACCURATE REPORTING OF REPOSSESSION ) CURRENTLY IN POSSESSION OF VEHICLE AND LOAN IS PAID IN FULL REMOVE LATE PAYMENTs 2. XXXX XXXX XXXX XXXX # XXXX Block & Remove XXXX XXXX XXXX REMOVE LATE PAYMENTS ACT # XXXX PLEASE BLOCK THIS INFORMATION FROM MY CONSUMER REPORTS WITHIN FOUR BUSINESS DAYS ACCORDING TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 
Please send me a Notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX PLEASE GET IN TOUCH WITH ME AND ALSO UPDATE MY CURRENT MAILING ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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. (AZ)

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 2024-07-29
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)

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 2024-07-29
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 filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX their repeated and illegal actions concerning XXXX open collections accounts on my credit report, XXXX from XXXX and another from XXXX. Despite numerous attempts to resolve this issue, including providing an FTC identity theft report, these accounts remain in collections, and the company continues to report and update them incorrectly. 

Issues and Violations Misrepresentation and Deceptive Practices : XXXX Funding/Resurgent has frequently changed or updated the name associated with these accounts on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ), which prohibits furnishing information relating to a consumer if the furnisher knows or has reasonable cause to believe the information is inaccurate. 

Failure to Provide Verification and Rude Conduct : When contacting their customer service, including supervisors, I have faced rude, unprofessional behavior and blatant misrepresentation, including instances where employees have pretended to be supervisors. This violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( XXXX ), which prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt. 

Failure to Cease Reporting on Disputed Debt : Despite being notified of the dispute and the fraudulent nature of these accounts, XXXX XXXX has failed to cease collection activities and continues to report the debt, contravening the FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation of disputed information. 

Invasion of Privacy and Harassment : The company 's repeated requests for my personal information during calls, despite the known dispute and fraud status, have made me extremely uncomfortable. This could potentially violate FDCPA 15 U.S.C. 1692d, which prohibits conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Consumer complaint received 2024-07-29
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX