davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with XXXX U.S.C. XXXX 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 XXXX U.S.C. XXXX, 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 XXXX 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. XXXX 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 XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX. 
XXXX XXXX : XXXX
Consumer complaint received 2024-08-20
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)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I applied for a loan on XX/XX/XXXX was denied because they claimed I have a freeze on my experian report, I dont have a any freeze. I called experian spoke with a rep, she told me I did not have a freeze and transfered me to fraud unit. Fraud unit verified I didnt have a freeze. Today XX/XX/XXXX I reapplied for the loan and was told I had a freeze on experian?? I'm so frustrated. I DO NOT have a freeze
Consumer complaint received 2024-08-20
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)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting.
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. (VA)

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 2024-08-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2020-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The vehicle was returned at the end of the lease. NOT repossessed. I have asked both the car company and the credit bureau to correct this error on my credit report. This should not have a negative effect on my credit as it was not paid late and was returned as per contract. 


XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$17000.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {$17000.00} Monthly payment {$0.00} OpenedXX/XX/XXXX ( 3 yrs, 11 mos ) Term24 months ( 2 years ) PAYMENT HISTORY Last paymentXX/XX/XXXX Payment status -- Worst payment statusNo Info ACCOUNT DETAILS Account statusClosed TypeAuto lease ResponsibilityIndividual RemarksPayment after Repossession Paid repossession Times 30/60/90 days late0/0/0 ClosedXX/XX/XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I recently purchased a copy of my consumer credit report and learned that I have several unauthorized hard inquiries hurting my credit file. I did not authorize anyone to mis-report or fraudulently use my social without my CONSENT for any PURPOSE. These hard inquiries should not be on my credit file. 

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
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (NJ)

I am writing to formally notify you that LCI did not have my expressed or written permission to seek out and report information about a bankruptcy on my consumer report. This action constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Per 15 USC 6802, I hereby explicitly state that I do not give LCI, its affiliates, or any third party permission to obtain or report any such information about me. The unauthorized inclusion of bankruptcy information in my consumer report is both inappropriate and unlawful.

I am considering my legal options in response to this violation of my consumer rights. I request that you immediately cease and desist from reporting any information about my bankruptcy, remove any such information from my consumer report, and confirm in writing that this action has been taken.
Consumer complaint received 2023-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep dissatisfaction with the handling of fraudulent items on my credit report. Despite my numerous attempts to address and rectify this matter, the fraudulent items persist, and it is disheartening to note the lack of resolution. Clearly outline the fraudulent items on your credit report, including the account names, dates, and any other relevant details. Provide a concise summary of the steps you have taken to address the issue, including dates and methods of communication with the credit bureau. Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. Clearly state your expectations for the resolution, emphasizing the need for a thorough investigation and the prompt removal of the fraudulent items from your credit file. Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. Iam asking for your assistance to remove these fraud items 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 XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts 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/updated.

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.

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!
Consumer complaint received 2024-09-06
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. (IL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EQUIFAX credit report 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generally, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

Your company is in violation for furnishing inaccurate information to the credit reporting agencies. Account XXXX is showing inconsistent information in the payment history that is reporting. Where XXXX bureau shows 60 days late, another bureau shows that the account was paid on time. Furthermore, there can not be a XXXX late reporting without any prior late payments reporting ; this is a violation of the FCRA. I contacted the credit reporting agencies, and they informed me that your company verified that this account is accurately reporting. How can this be when there are obvious discrepancies? Please see the attached account and remove the erroneous information you are reporting. Please note that this account has been satisfied and I do not owe your company anything. Moving forward I will have no choice but to pursue legal action due to your negligence in reporting. I take my credit very seriously and I should not have to suffer due to your mishaps. I will seek relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Enclosed with this letter is the true bill documenting the violation of the aforementioned account. Please remit payment to the address listed on the invoice and remove the late payments on this account.
Consumer complaint received 2024-07-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Property Receivables, Corp (CA)

XXXX XXXX. In XX/XX/year> I was alerted on XXXX XXXX that there was a collection on my account for {$4500.00}. I attempted to find more information. I was unsuccessful. I was not provided with or given any contact information on the collections. 
XXXX. On XX/XX/year> @ XXXX XXXX  I was contacted for the XXXX time by XXXX XXXX by XXXX @ XXXX. The call was recorded and lasted XXXX minutes. I asked what names were in the collection. It appears that my co-tendent on the XXXX XXXX XXXX was not on the collections. I asked why I wasnt contacted before collections hit my credit. I provided all my contact information ( address, email, and phone number ) to send me the official notice. Throughout the call, I was bullied and pressured to pay 60 % of the collections. They promised I would have my name removed and would add XXXX later. I was given my account information for their website - Account XXXX. When I viewed the account on their website it contained none of my information, not even my name. It only contained the apartment name and balance due. At the end of the call, I told them no I would not pay, and we would connect later that afternoon or the next morning. 
XXXX. On XX/XX/year>, XXXX texted me from XXXX requesting me to call her asap XXXX. On XX/XX/year> @ XXXX XXXX  I received a missed call on my cell phone from XXXX from another person from XXXX Receivables. 
XXXX. On XX/XX/year>, the same person from XXXX called my work number, I told them this was harassment and never to call this number again and that I already had an appointment with XXXX. 
XXXX. On XX/XX/XXXX @ XXXX XXXX  I attempted contact to reach XXXX 3 times, I ended up calling XXXX and spoke to XXXX XXXX who directed my call. 
a. I requested the validation notice XXXX mentioned she didnt know what that was b. I requested the collections removed since I was never given the proper notification. 
c. I have a copy of the documentation from the apartment complex stating my forwarding address. I also provided copies to the apartment complex of all payments I made to XXXX 's apartment and roommate for rent. The apartment complex confirmed receipts of my payments to their ledger and provided me with a copy. 
d. The collection agency informed me that XXXX XXXX XXXX not yet added to the collections- which makes the collection inaccurate. Both XXXX and I signed the lease.

e. Collection agency told me they had a promotion for me, that If I pay 60 % of the collections it will be removed from my collections. I requested this in writing, and I was denied this request and told they do not do that. 
f. I was told that my information would be reflected on the website under account XXXX as of XX/XX/year>, it still does not appear. 
g. I was promised that XXXX Receivables should mail and email the validation notice. I have yet to receive it. 
XXXX. I have not heard from this company again and have not been able to dispute the collections
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> I received a notification that Bank of America pulled my credit score. I checked my Bank of America account to find that a new credit card was opened in my name with a {$20000.00} limit. I called in to report the account as fraudulent. The customer service rushed me off the phone without any explanation of what happened.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX