davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, 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. (FL)

To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX and XX/XX/XXXX sent to Equifax regarding an inaccuracy in your credit reporting. I just received a letter from Equifax describing what inquiries are with no proof of my authorization of these inquiries, Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.  XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX 3. XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX 4. XXXX- XX/XX/XXXX 5.  XXXX XXXX- XX/XX/XXXX 6. XXXX XXXX- XX/XX/XXXX 7. XXXX- XX/XX/XXXX 8. XXXX XXXX XXXX XXXX- XX/XX/XXXX 9. XXXX XXXX XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX 10. XXXX- XX/XX/XXXX 11. XXXX XXXX- XX/XX/XXXX 12. XXXX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 13. XXXX XXXX/XXXX- XX/XX/XXXX 14. XXXX XXXX/XXXX- XX/XX/XXXX 15. XXXX XXXX XXXX XXXX- XX/XX/XXXX 16. XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX- XX/XX/XXXX 18. XXXX XXXX- XX/XX/XXXX 19. XXXX XXXX- XX/XX/XXXX 20. XXXX XXXX XXXX XXXX- XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Subject : Request for Investigation and Removal of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to address the ongoing issue of inaccurate account information on my credit report that has not been removed following seven unsuccessful reinvestigations. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related laws. 

Basis for Dispute : I have previously submitted multiple disputes to Equifax regarding inaccuracies in the account listed below, providing clear evidence of the errors and requesting its removal from my credit report. Despite seven reinvestigations, the inaccurate account remains on my credit report, which is a clear violation of the FCRA and applicable regulations. 

As per Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA and 15 U.S. Code 1681i ( 5 ), if a reinvestigation does not resolve the dispute, the credit bureau is required to delete the disputed information. The repeated failure by Equifax to remove this incorrect account information has caused me significant financial harm and distress. 

Account Information : Account Number : XXXX Creditor Name : XXXX I request that the Consumer Financial Protection Bureau investigate this issue and take necessary legal action to ensure that Equifax complies with the FCRA. I am also requesting the immediate removal of the inaccurate account information from my credit report. 

The inability of Equifax to properly handle this matter has negatively impacted my credit standing, and I am seeking your assistance in enforcing the legal obligations Equifax is required to meet under the FCRA.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

This CFPB COMPLAINT IS BEING FILED IN PURSUANT TO FCRA 605B ( 15 U.S.C. 1681 c-2 ) THAT YOU THE XXXX EQUIFAX  AND XXXX XXXX  CREDIT REPORTING AGENCY BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT THIS FRAUDULENT INACCURATE AND FALSE INFORMATION CONSIST OF THE FOLLOWING ACCOUNTS :
 XXXX XXXX   ACCOUNT # XXXX BALANCE XXXX  MONTHLY PAYMENT XXXX XXXX XXXX XXXX. ACCOUNT XXXX XXXX BALANCE XXXX  MONTHLY PAYMENT XXXX XXXX XXXX  ACCOUNT # XXXX  BALANCE XXXX  MONTHLY PAYMENT XXXX   THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO CREDIT REPORT
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2017-07-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (NY)

I paid all 36 of my monthly payments and turned my leased   XXXX   XXXX   XXXX   in prior to the maturity date. It was under mileage and in show room condition. There were no dents, no scratches, no stains ... ..nothing!! We brought the car back to the dealership where we leased it (   XXXX   XXXX   in  XXXX , NY ). No one said a word about its condition or did any sort of inspection while we were there. Several months later I received a bill for {$630.00} from Hyundai Motor Finance. I knew that there would be a " disposition fee '' of {$400.00}. However, the breakdown on the bill was so convoluted that it was impossible to determine what the additional charges were for. After speaking with a representative (   XXXX   ) today from Hyundai Motor Finance I was informed that there was damage to the front right bumper. There were NO damages when we turned it in, and since the " inspection '' was done outside our presence I can only assume that IF they found damage, it happened after we turned the car in. They claim to have photos, but I have to assume that they are not photos of the car I turned in. I contend that these charges are bogus and Hyundai 's way of making money from consumers. I am refusing to pay for damages that were not there, and I do n't trust that this company might have 'manufactured ' this to collect a few extra bucks. I will pay the 'disposition fee ', but I am not paying for damages that were not there.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (CA)

I contact the original creditor "   XXXX   XXXX   '' via telephone on  XXXX / XXXX /2017 regarding the " debt '' that was placed in collections and on my credit report. We made an agreement that once payment of {$600.00} has been cleared that an immediately delete this account from any and all credit reporting agencies (  XXXX ,   XXXX   and  XXXX  ) would occur. This payment was processed on the  XXXX / XXXX /2017 and I contacted   XXXX   XXXX   on  XXXX / XXXX /2017 via telephone and e-mail to confirm payment and removal of the incorrect credit reporting for all parties involved. The manager   XXXX   XXXX   confirmed that the payment was received and that agreed the account would be removed from all credit reports and pulled from collections.
All certified funds for the settlement amount of six hundred dollar ( {$600.00} ) was paid to   XXXX   XXXX   on  XXXX / XXXX /17 in exchange for full deletion of all references regarding this account from all credit files and full removal of the debt reporting for all parties involved.
Furthermore, my family members and I have been receiving non-stop spam collection calls since this account has been reported on my credit report. I strongly believe that the collection agency involved sold my information to another third-party company regarding collection of this debt. I do not have a contract with the collection agency and have not authorize them to sell my family or my information in any capacity. I have contacted the collection agency several times via phone and certified mail regarding the harassing phone calls and e-mail to my family and I. Unfortunately the collection agency has failed to respond to my complaints.
Consumer complaint received 2024-09-28
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-11
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. (IL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 2024-09-10
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. (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 2024-09-14
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. (MO)

Experian is not working with customers! Please read all of the complaints. Accounts are being hacked and Experian is doing nothing about it. Customers can not reach a live agent. They are being blocked by an automated system that says they can only transfer 'limited calls ', when they mean they won't transfer any calls! The chat is only virtual. Customers try to create new accounts, only for them to be hacked also. 

I try to reset mine, but it ( not a real person, as that is not possible! ) will tell me that my DOB and my SSN is not correct. It will say it will send me a text, but the first 6 numbers are starred ( *** ) out and I never get the texts ( the starred out numbers have obviously been manipulated by the hackers/thieves, sharing the actual last four numbers that show. 

Experian is not offering any assistance to customers in this situation and the customers are having to fight against ID thieves because Experian is not putting up safe-guards! They are the only credit reporting agency to be having all of these issues. Please look it up and help customers! Please!
Consumer complaint received 2024-09-14
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. (IL)

I am unable to request for my free reports online and unfreeze/freeze my credit myself. I will always get the need to contact customer service screen and it takes hours to get connected and the automated answering machine does not recognize me. It should not be such a barrier to get my own data. 

I attempted this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-09-28
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. (PA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-28
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)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.