davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I HAVE BEEN PRE-APPROVED WITH CAPITAL ONE FINANCE ON XX/XX/XXXX ME AND MYHUSBAND COMPLETED THE PAPERWORK WITH XXXX XXXX XXXX IN XXXX GEORGIA. <P/>WE SUBMITTED ALL PAPERWORK TO XXXX XXXX XXXX WHO IN EXCHANGE SENT THE PAPERWORK TO CAPITAL ONE. <P/>I HAD TO SPEAK TO CAPITAL ONE FINANCE ON SEVERAL OCCASSIONS ABOUT ACCURACY OF INFO PROVIDED VIA THE CAR SALES PERSON XXXX XXXX. <P/>I HAD FOUND WITH OUR PROVIDED PRE-APPROVAL INFO THE ACCURACY NEVER MATCH UP WITH WHOM THE DEALER WAS SPEAKING TO AT CAPITAL ONE FINANCE. <P/>PER THE FINANCE MANAGER XXXX AT XXXX XXXX XXXX, PER MY PHONE INTERVIEW ON XX/XX/XXXX WITH CAPITAL ONE REP MY CAR HAS TO BE RETURN TO THE DEALER BECUASE OF ADDRESS. <P/>PER CAPITAL ONE SUPPORT THEY STATED THAT THE PRIMARY ADDRESS WAS LISTED AS XXXX XXXX XXXX, XXXX GA XXXX, AND STILL AS OF TODAY IT IS STILL MY PRIMARY ADDRESS. <P/>AS I STATED ON THE ONE CALL AND VERIFYING THE CONFUSION OF ADDRESS IN WHICH THE REP HAD INIDCATED I LIVED INTEXAS. <P/>I TOLD HIM AND STILL TODAY OF AS OF XX/XX/XXXX I WORK AS A XXXX AND I TRAVEL FOR WORK FOR SHORT TERM STAY. I PROVIDED THEM THE ADDRESS IN WHICH I WAS NOW HAVING THE CAR AT AS OF THE DATE WHENALL THE PAPERWORK WAS SUBMITTED, MY JOB ASSIGNMENT WAS CHANGED. <P/>I NEVER KNEW YOU CAN BE DENIED OF THIS LOAN, I HAVE HAD HTE CAR SINCEXX/XX/XXXX WHEN I WAS IN GEORGIA AND STILL TODAY. <P/>CAN CAPITAL ONE DENY A LOAN TO SOMEONE BECUASE THERE ADDRESS OF CHANGE AFTER THE SUBMISSION OF PAPERWORK. <P/>MY ADDRESS IS SHORT TERM. I AM NOT A RESIDENT OF TEXAS, I AM RESIDENT OF THE STATE OF GEORGIA, I AM WORKING AND I REINTERATE THIS OVER AND OVER, AS I FEEL THERE IS NO INFO PROVIDED BY THE DEALER NOR THE FINANCE COMPANY THAT STATES DIFFERENT. <P/>ALSO I HAVE NEVER BEEN OR DONE AN INTERVIEW FOR A CAR VEHICLE EVER AFTER ALL PAPERWORK HAS BEEN COMPLETED. <P/>PLEASE ADVISE. <P/>AS I HAVE PROVIDED A DOWNPAYMENT I HAVE INSURED AND PAID ON THIS VEHICLE AND ALSO HAVE DROVE OVER 15 HRS TO WORK SAFELY.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DE)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (WI)

XXXX XXXX, XXXX credit reporting company additional information ion account has already been disputed .refused to make accurate reporting seen on my credit report. Scores shown on my credit inacuracted report this account is being graded incorrectly just Dispiuted. I received letters from automobile company called XXXX XXXX XXXX. XXXX, Account who ageed to resend additional letters this account wasn't never late this account settled. Before aggred. Owner name shown on the account XXXX XXXX. On his credit report correctly seen No late payments, seen on my credit report. Listed seen on my credits report late payments XX/XX/year>. Which incorrec
Consumer complaint received 2024-06-28
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. (TX)

My account with REGIONALAC was never late! I have had exceptional payment history with XXXX  and all payments were placed on XXXX. 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 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 on those accounts 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. REGIONALAC 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 2024-06-28
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. (NY)

I am formally disputing and requesting the prompt removal of these fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent accounts. 
The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over five years. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX.
Consumer complaint received 2024-06-28
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. (CA)

A bankruptcy has been reported on my credit report, but the financial institution that initiated it did not validate or apply it. However, the credit agencies continue to report this bankruptcy on my credit history, along with a variety of accounts that are shown to be included in this same bankruptcy. I have disputed this information on several occasions, but it has not been possible to remove these records from my credit history.
Consumer complaint received 2024-06-28
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 have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-28
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. (CT)

I am writing to express profound dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the companies associated with the fraudulent account. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent account would be expeditiously removed. 
It is noteworthy that both XXXX and XXXX have already expunged this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when the aforementioned bureaus have already removed it. I urge you to delete this account from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 
XXXX XXXX.
Consumer complaint received 2024-06-28
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)

This COMPLIANT is a request to investigate the accounts listed below in my credit file. Credit bureau NOT DOING YOUR JOB to investigate and remove these accounts in my credit file. Until now they are reporting in my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-06-28
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. (CA)

I found out that my identity was stolen and my accounts were used in fraudulent activities online. I immediately reported this to the company and bureaus. I even called and requested for XXXX today to kindly delete and close the account that got compromised but they insist on keeping it on record for 7 years. That is very unfair. The account is fraud and I request for it to be closed and deleted from my credit reports. I am willing to pay the dues if I have to, but please delete this asap. I expect nothing more from XXXX because I now know how inconsiderate they can be, so yes, if they want my money, just take it, but delete this account from my credit reports. Here 's the fraud account info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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. ()

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not FIX these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$870.00}
Consumer complaint received 2024-06-28
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. (PA)

I have addressed these issues numerous times, but the bureaus have not responded to my complaint. Please delete all the accounts and inquiries listed below. I sent my letters on XX/XX/XXXX, and am awaiting your prompt response. Delete these items immediately! 

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 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 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 2024-06-28
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. ()

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-06-28
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. (NY)

I'm writing to formally dispute any mistakes that my credit report might have contained. I've discovered a few major errors in the account details after thoroughly reviewing the data. These mistakes are concerning since they can have a detrimental impact on my financial condition and opportunities. 

These discrepancies need to be corrected right away for my credit profile to continue being realistic and accurate. I require a thorough investigation into the disputed items and their immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ). 


I've supplied supporting documentation that outlines the differences for your review and consideration. Since this issue is vital to maintaining my financial security, I truly appreciate your quick attention to it.
Consumer complaint received 2024-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1700.00} I have no any utility accounts in XXXX XXXX XXXX. I never lived in XXXX, I'm Identity theft victim, some one used my SSN number for registering utility account.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is reporting an allege late payment for the account listed as XXXX XXXXXXXX Account # XXXX XXXX they have validated that this information is accurate. Experian has no access to my private financial history so reporting this late payment is violation of my federal protected consumer rights.

( 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.

( b ) Grace period If an open end consumer cr
edit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-06-28
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. (MD)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2024-06-28
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I was a victim of fraudulent activity and have researched how to remove the fraudulent items from my report. I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. According to FCRA Section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. Attached are documents to assist in removing the accounts and erroneous personal information posted to my report. Here is the list of items opened without my permission : XXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} Experian : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove such items within 4 business days of receiving the request.