davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review al of the my documents and remove the accounts that are list.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year> I sent a letter to Experian telling them that they were publishing inaccurate information on my credit report. I listed the specific accounts that I was referencing and asked them to look into them further. 

They received the letter via certified mail on XX/XX/year>. ( See attached )
Consumer complaint received 2024-07-23
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)

During a recent review of my credit report, I found several fraudulent accounts. Please delete these entries from my report, as they are preventing me from getting credit. I do not know these accounts. 

Name : XXXX XXXX XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$600.00} Name : XXXX XXXX XXXX XXXX Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$280.00}
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>, Bank of America N.A. improperly, and illegally, offset my ( customer ) Personal Checking Account ( XXXX ), for a past-due debt that was owed on a Business Account Credit Card ( XXXX ), in the amount of {$360.00}, leaving my Personal Checking Account ( XXXX ) with a {$100.00} balance. 

Federal Law and California Law explicitly state that a customer 's personal account can not be offset for a business debt that is owed to the bank. 

Additionally, Bank of America also violated the following codes of the California Code, Financial Code - FIN 1411 : ( a ) ( 2 ) ( b ) - A bank is limited in exercising any setoff for a debt claimed to be owed to the bank by a customer in that a setoff shall not result in an aggregate balance of less than XXXX XXXX dollars ( {$1000.00} ) as shown on the records of the bank for all demand deposit accounts maintained by a customer with the bank or any branch thereof. CUSTOMER : the offset resulted in a less than {$1000.00} aggregate balance in my account; ( a ) ( 2 ) ( c ) ( 1 ) - Not later than the day following the exercise of any setoff with respect to a deposit account for any debt claimed to be owed to the bank by a customer, the bank shall deliver to each customer personally or send by first-class mail postage prepaid to the address of each customer as shown on the records of the bank a written notice in at least 10-point type containing the following : ( 1 ) A statement that the bank has set off a debt or a portion thereof against the customer 's deposit account, identifying the account, and giving the respective balances before and after the setoff. CUSTOMER : no statement was provided by Bank of America showing respective balances before and after the setoff ; ( a ) ( 2 ) ( c ) ( 5 ) - Not later than the day following the exercise of any setoff with respect to a deposit account for any debt claimed to be owed to the bank by a customer, the bank shall deliver to each customer personally or send by first-class mail postage prepaid to the address of each customer as shown on the records of the bank a written notice in at least 10-point type containing the following : ( 5 ) A response form in at least 10-point type ... '' ; CUSTOMER : no response form was provided with the notice ; Bank of America also shut off the account alerts that were set up for such instances, i.e. to alert me via text and email that a debit had posted against my account ; this is misleading and unethical, at best ; The offset by Bank of America resulted in a financial hardship, and the closing of 3 credit card accounts, due to a late payment. The offset also resulted in negative credit reporting. 

Bank of America refused to provide any signed account agreement showing my allowing a business debt offset to be debited to my personal checking account.
Consumer complaint received 2024-08-22
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. (AR)

I am writing to formally dispute the inaccurate reporting of the US Dept of Ed/XXXX account XXXX XXXX on my credit report. This account is reported with significant discrepancies across the three major credit bureaus, which are misleading and damaging to my credit profile. The following inconsistencies have been identified : Last Active Date : XXXX : XXXX Equifax : XXXX XXXX : XXXX Account Status : XXXX : Collections or Government Claim or Terminated for Default Equifax : Fixed Rate XXXX : No status listed Late Payment Status : Equifax : Was 90 Days Late XXXX Times XXXX : No late payments listed XXXX : No late payments listed These discrepancies indicate that the information being reported is inaccurate, inconsistent, and violates my rights under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate information to credit reporting agencies. The conflicting reporting of the last active dates, account statuses, and late payment history across the three credit bureaus is a clear violation of this provision. Additionally, 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The current discrepancies indicate non-compliance with this requirement.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The inaccurate reporting of this account as being in collections or government claim or terminated for default, especially when there is no consistency across the bureaus, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt.

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the US Dept of EdXXXX account XXXX XXXX from my credit report with all three credit bureaus. I also request that you provide me with an updated copy of my credit report reflecting these corrections.
Consumer complaint received 2024-07-26
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. (GA)

I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Legal action will now be taken as of XX/XX/XXXX Not only has these illegal accounts was obtained fraudulenty they continue to still report illegal charge offs/late payments as of XX/XX/XXXX. I have disputed these accounts since the begging of XXXX. This is final warning this is totally illegal for XXXX, XXXX, and Equifax to keep reporting these illegal cards that were obtained in XXXX. Numerous attempts to keep constantly reaching out. My lawyer will be reaching out to Equifax, XXXX, and XXXX. All of the attempts to settle this has been ignored. Will be looking to sue for compensation and damages based off initial dates this claim was sent. Remove these illegal accounts off XXXX, Equifax, XXXX. This has been a whole year and this is last warning. It is ILLEGAL for CREDIT BUREAUS to KEEP REPORTING FRAUDULENT ACCOUNTS! 

This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX Date Opened XX/XX/XXXX {$140.00}
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have recently been notified by my local sheriffs department that I am being sued by MIDLAND CREDIT MANAGEMENT INC. Since XXXX, I have received a countless amount of phone calls, in efforts to collect an alleged debt. Since XXXX of XXXX, I have written proof of Midland refusing to remove this information or stop trying to collect on the alleged debt, as they stated they had proof I owed anything to Midland. I also requested Midlands contract directly with XXXX XXXX XXXX, as I know that this company purchased that debt that has been written off and was attempting to collect from me illegitimately. I have not now, nor have I ever in the past done any business with Midland Credit Management. For the company to harass and try to hold me accountable for inaccuracy and lie about investigating it and refusing to remove it from my credit report is willful noncompliance with the FCRA laws. I have already reached an agreement with the National Credit Reporting Agencies for their roles in allowing you to furnish this information without my written consent and against my continued efforts to remove the account. I am requesting that Midland provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if the account belongs to me.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NM)

In XX/XX/year>, I checked my Experian consumer report and noticed several incorrect addresses and names listed on my report. 
I sent a letter to Experian in XX/XX/year> explaining that the personal information was incorrect, and I attached 2 proofs of ID along with the letter so that Experian could verify my identity and have proof of my actual correct address.They returned with only having updated SOME of my personal information but not all. So, on XX/XX/year>, I sent Experian another letter reconfirming my correct information along with proof of address and ID, demanding that they remove ALL inaccurate addresses and names from my consumer report. But once again, they have failed to remove the incorrect information, violating my consumer rights and federal law 15 USC 1681s-2.The letters were delivered certified mail and were signed for by Experian representative, XXXX XXXX- on XX/XX/year> and XX/XX/year>. 
USPS TRACKING NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been patiently waiting for Experian to correct this information, and for the last 2 years, my life and that of my children has been extremely negatively impacted by Experians gross negligence regarding reporting accurate information on my consumer report. We have been unable to qualify for an auto loan, home loan, or favorable credit terms due to incorrect information linked to incorrect addresses and names that are not mine showing up on my consumer report. It has cost us thousands of dollars in high interest rates, as well as loss of income due to being denied jobs for derogatory information that is incorrect on my consumer report. Experian is in clear violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; Additionally, Experian has made it impossible for a consumer to reach an actual human agent to discuss this violation of the law. I have tried calling over twenty-five ( 25 ) times and using different menu options, but not one time have I been able to reach an actual person. Experian is hiding behind an AI system that continuously states I am unable to transfer you to a specialist, so that they can break federal law without any backlash from the consumers.
Consumer complaint received 2024-07-23
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. (AR)

XXXX XXXX XXXX {$12000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and theXX/XX/XXXXXXXX. Violations of the XXXX XXXX for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with Experian, XXXX, and Experian have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the XXXX XXXX XXXX U.SC. 6801 et seq. also known as the XXXX XX/XX/XXXX Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report.
Consumer complaint received 2024-07-23
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)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-07-23
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. (IA)

I have been a victim of a data breach and victim of fraud and identity theft. The accounts listed under or never opened using my consent, or permissible purpose or authority. They were used to using my personal private nancial information without proper permission. These companies never investigated or made contact with me to validate the accuracy of these accounts. Experian, XXXX, and XXXX XXXX, along with the creditors are in violation of FCRA federal law as I was never contacted to validate the account mentioned, and you XXXX be held liable pursuant to federal law title 15 USC 1681o and title 15, USC 1681n for willful and non willful negligence. Pursuant to FCRA 605B and Title 15 USC 1681c-2 I demand these accounts to be removed within four business days as permitted by federal law
Consumer complaint received 2024-07-23
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. (PA)

EVERYTIME I WOKE UP IN THE MORNING, THESE FRAUDULENT HARD INQUIRIES ARE STILL IN MY ACCOUNTS AND REPORT. 
THESE ARE FALSE AND SHOULD BE IMMEDIATELY REMOVED.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

EVERYTIME I WOKE UP IN THE MORNING, THESE INACCURATE REMARKS ARE STILL IN MY ACCOUNTS AND REPORT. THESE FALSE AND SHOULD BE UPDATED. 
I WAS NEVER LATE IN TERMS OF PAYMENT.