davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AR)

To XXXXXXXX XXXX  XXXX Bankruptcy Risk Solutions Consumer Center Log # XXXX File # XXXX You are required by law to report accurate information ... the information you are reporting has the wrong addresses, therefore it is inaccurate. I understand that under 15USC 1681i ( a ) ( 3 ) ( a ) you are required to complete the reinvestigation within 30 days of receiving this notice. 

Reference # XXXX, Wrong Address, Delete & Remove Reference # XXXX, Wrong Address, Delete & Remove Reference # XXXX, Wrong Address, Delete & Remove The information listed above is inaccurate and does not reflect my true credit file, in accordance with 15 USC 1681i ( 1 ) ( a ). I am requesting that you immediately remove those files The addresses you have on these reference are not my address, my address is XXXX XXXX XXXX, XXXX XXXX AR XXXX ( ONLY )
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I had identify theft recently and placed fraud alerts on all 3 reports. However, with equifax it still manages to get fraud inquires. See below list of fraud inquires : Equifax : * 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to request information regarding the investigation conducted by Equifax pursuant to my dispute regarding the accuracy of an account on my credit report. The specific account in question is as follows : Account Holder : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Under the provisions of 15 U.S. Code 1681i - Procedure in case of Disputed Accuracy, I am entitled to receive information about how Equifax conducted its investigation into this disputed account 's accuracy. I submitted a dispute to Equifax regarding the accuracy of the information related to the account mentioned above. I kindly request the following information : A detailed explanation of the investigation process undertaken by Equifax, including the steps followed and the parties involved in the investigation. Copies of all correspondence, documentation, or records related to the investigation of the disputed account, including any communication with the data furnisher. Any documentation provided by XXXX XXXX XXXX XXXX XXXX during the investigation. The results of the investigation, including any changes made to my credit report as a result of the dispute. The date on which the investigation was completed. Please provide this information at your earliest convenience, as I believe it is essential for me to fully understand the investigation process and its outcome, as allowed by law. Furthermore, I kindly request that any relevant documentation related to this investigation be provided to the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with federal regulations. I appreciate your prompt attention to this matter and look forward to receiving the requested information within the timeframe specified by law. I have attached proof that this investigation was not done properly! Thank you for your assistance in this matter, and I expect this information within 14 days delivered in this portal.
Consumer complaint received 2024-09-20
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. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

For the past two months, I have reached out to your company in regards with these accounts reporting on my credit and couldn't help but feel saddened as I fear that I am being ignored. These accounts have negatively impacted me and my credit scores- causing me so much damage that I can barely have the guts to apply for a new loan.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Re : XXXX XXXX XXXX XXXX XXXX, TransUnion LLC, XXXX XXXX Over the pass XXXX months I have submitted several disputes via certified mail and to the CFPB as well as the XXXX XXXX XXXX  and the XXXX XXXX XXXX regarding items on my credit report that were inaccurate, false or not mine. 

After a thorough investigation XXXX removed/ deleted all the items disputed over this period. ( see the attached ) however, XXXX XXXX and TRANSUNION LLC willfully continues to verify, change information and date on the inaccurate accounts rather than removing them from my credit report. The have changed several times the following : 1. The name of the company 2.The initial date of last payment and reage the account 3. The amount of last payment 4. The date the last payments were made 5. The balance on the account 6. The open date of the account 7. The closing date of the account They continue tomake several changes to an account then report that the account was verified. 
How can you verify an inaccurate account that you constantly changing the data and name of the company????????? If its inaccurate and incomplete the law said it should be deleted not corrected several times. 
How can three credit reporting agencies report different information on the same account then say their reporting is 100 % accurate and complete? 
If its accurate why keep changing the data, the company name, the payment dates etc.?????? 

XXXX XXXX remove all of the following disputed inaccurate items ( see the attached ) XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX have ask you to take a close look at all my disputes over the pass 24 months and you will see the many corrections and changes XXXX and TRANSUNION have made to each of these inaccurate accounts in order to willfully and negligenlly keep them on my credit file even after I have proven to them that the accounts are inaccurate and fraudulent. the just keep changing information then send me notices that they verified and updated the account. 

How do you verify and update something that is inaccurate??????
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OH)

NATIONAL CREDIT ADJUST IS REPORTING THAT I OWED THIS DEBT THAT WAS FRAULENTLY OPEN ONLINE, THEY REFUSE TO REMOVE THIS INACCURATE ACCOUNT THAT IS AFFECTING THE ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

I opened a business account with Navy Federal on XX/XX/2024. I received a large refund check from the Treasury Department and asked the person on the phone who opened my business account would there be a problem depositing the check. he said no and to come into the XXXX XXXX branch to deposit the check, in which I did. The check was verified by the teller and another bank employee. I was also on the phone with another Navy Federal staff because there was a flag on the account. The flag was taken off and the check was deposited in the account. I was told that I had to wait 5 days for the check to clear but I would have access to {$5500.00} the following business day which was XX/XX/XXXX. I had also opened a personal account on the XXXX of XXXX. On XX/XX/XXXX or XXXX I couldn't access my business checking account so I called member services and was told that the branch was still processing the check. I called again on XX/XX/XXXX and was told by a different member representative that there was suspicious activity on the account and that I had to call their Business Membership Risk Department, in which I did. I asked why I couldn't get access to my account and the man stated that the IRS had cancelled the check I deposited and that I could never do business with Navy Federal again. I asked did the IRS say why the checked was cancelled and he told me I had to call the IRS in which I did. I was told by an IRS representative that the check was paid. I called XXXX XXXX again on XX/XX/2024 and spoke with a woman named XXXX and she said my account was being closed because of suspicious activity and that a audit was being done on my account. I didn't understand what suspicious activity she was talking about because the account was new. She then told me that the funds that were left in the account would be sent to me in XXXX to XXXX business days. Which I asked her how much was in the account and she told me. It was over {$700.00} XXXX XXXX dollars. So my question is, Why tell me that the IRS cancelled the check when there were funds in the account?
Consumer complaint received 2024-09-20
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)

I am reaching out for assistance regarding the inaccurate account reflected on my credit report. This has caused damage to my reputation, and I require your help. The mistakes in handling my credit report have left me in a difficult situation and harmed my reputation. You must remove this incorrect information immediately.
Consumer complaint received 2024-09-20
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. (NC)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (PA)

I've called Bridgecrest and XXXX numerous of times ( about 8 times ) within 3 months about getting my car re-registered in a different state they called it " move request ''. They keep telling me that the " title department '' needs to " perfect '' the title to send over to Penn Dot. Then they tell me that the title is " in house '' and will be expedited as soon as it is done. I have been trying to re-register my car in a different state than I purchased it since XX/XX/2024. I'm driving in PA with a NJ  tag. I NEED this problem resolved ASAP! I can't be driving like this. It is illegal. Also, I paid XXXX XXXX tags  ( XXXX ) XXXX {$88.00} to help me with the process of registering my vehicle in PA.
Consumer complaint received 2024-09-20
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 would like to Dispute Bankruptcy 15U.S.C.1681A ( 2 ) B that is reporting on my XXXX and Experian credit reports i am sending supporting documents that I am also Disputing wit other agencies and corporation .XXXX  and experian is misreporting debt /reaging debt due to staus of limitation 15.u.s.c.1681..unlawful changes in deliquency dates under FCRA ..i was never notified or aware that this would be on my credit report 15U.S.C.1681B and would like a removal of Bankruptcy off my credit report..I am asking for a reinvestigation
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This company accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Experian and being assured that this inquiry would be removed, it still appears on my report. This unauthorized and fraudulent inquiry is causing me significant anxiety, as it may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Consumer complaint received 2024-09-20
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)

This is a formal notice to inform you that the address associated with account in not mine and has benn used without my autorization. Pursuant to the fair credit report act ( FCRA ), undersection 605b ( 15 U.S.C 1681C-2 ), i AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INCORRECT INFORMATION WITHOUT FURTHEIR INVESTIGATION. DELETE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-20
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)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

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 XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-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 information requested from the list of acceptable items 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 2024-09-20
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. (AL)

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 168b permissible purposes of consumer reports. 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. 

Inquiry : XXXX Inquiry : XXXX XXXX  Inquiry : XXXX XXXX  Inquiry : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with Experian 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 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.

Experian 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 2023-03-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was lured into a crypto futures trading scam and I ended up losing XXXX. Then I tried to get the money back using the crypto marketing company but that turned out to be another scam and I lost XXXX to them, I put XXXX of that on my credit card and got nothing in return. Now I'm disputing that with the credit card company but it doesn't look good. I shouldn't have to be forced to pay them that money since it was all part of a scam. That would just be perpetuating the scam.