davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

This account was charged off on the followind date : year 2020. 
Since then the account has repeatedly been updated as charged off every month. This is an update in the paymeny history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it XXXX and you neglect has violated my rigths, I am demanding a deletion of the following account : XXXX XXXX XXXX, account number : XXXX.
Consumer complaint received 2024-09-05
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. (TX)

Experian has failed to update my personal information including my phone number email and address after sending documents in on numerous occasions. The XXXX line no one answers the phone ever. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have mailed in bank statements driver 's license Social Security card everything. No response no update 4 months
Consumer complaint received 2024-09-02
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)

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 account listed without my expressed written consent.
Consumer complaint received 2024-09-02
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. (NC)

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 2024-09-02
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One auto is reporting inaccurate on my consumer report. Its showing my account as Late 30 days, with a late payment status. I have never been late on this account. This account was paid off by the dealer ship when I purchased a new car. I recently disputed with the company but there was no thorough investigation. If there was a thorough investigation, it would show I was never late on this account.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (CA)

I submitted a request to Experian to check and make sure everything was accurate according to 15 USC 1681i ( 5 ) In XX/XX/2021 I asked Experian to investigate account XXXX XXXX XXXX XXXX XXXX they did not correct any information on this account. per their investigation Experian noted ; " This item remained unchanged from our processing of your dispute in XX/XX/2021 '' Experian is the only credit bureau that is reporting this account on my credit, which concerns me because I have asked them to correct this and investigate. Experian isn't concern with reporting the correct information even after I asked for them to please correct this issue.This is a violation. This is impacting me from moving forward to buy a car for my growing family. 

I attached updated report which shows XXXX only being reported with Experian.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the inaccurate and inconsistent information XXXX XXXX has reported on my credit file concerning a loan that has been paid off in full. Despite receiving confirmation via email from XXXX XXXX that the loan was settled, and the vehicle title was mailed to me, they continue to report incorrect information. 

Throughout the XXXX pandemic, XXXX XXXX  repeatedly altered the status of my loan on my credit report, reflecting it as either Filed under Bankruptcy, Charged Off, Deferred due to Natural Disaster, Account Closed, or now, since XX/XX/year>, showing a balance that continues to accumulate interest each month with a higher payment amount. This constant fluctuation in reporting is misleading, inaccurate, and directly harmful to my creditworthiness. 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681, which requires both credit bureaus and furnishers of information, such as XXXX XXXX, to ensure the accuracy and integrity of the information they report. The continued reporting of false and inconsistent information is in direct violation of these provisions. 

Please find attached documentation, including the email from XXXX XXXX confirming that the loan has been paid off and that my vehicle title was sent. I respectfully request that you Delete and Remove from all credit agency 's
Consumer complaint received 2024-09-02
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. (OH)

I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent addresses, names, and inquiries are listed in the attached FTC. 

FARUDULENT ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX FRAUDULENT NAMES : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION (PA)

In XXXX of 2022 a check that I wrote on my XXXX account for {$1100.00} and had made payable to XXXX XXXX was " washed ''. The Pay To line was replaced from XXXX XXXX to XXXX XXXX and the check for {$1100.00} was cashed and the funds taken out of my account. As soon as I realized what happened I alerted XXXX, who handle my checking account using UMB ( United Missouri Bank ). They assigned me a case number and gave me 14 days to send them supporting documentation which I did. The letter I received from them stated that the bank they use for the checking account United Missouri Bank had 120 business days to investigate. We are now long past that and neither XXXX nor UMB will assist me in resolving this matter. The last time I called my XXXX account rep ( because I do not have a UMB rep or number ) in XXXX I was told not to bother them about this. I do not know who XXXX XXXX is and you can clearly see on the check that I had the XXXX  XXXX account number written on the bottom as a reference and also you can see that my handwriting does not match XXXX XXXX ' handwriting. This is theft and or fraud and XXXX and UMB are not willing to help me.
Consumer complaint received 2024-09-02
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. (WI)

These unfamiliar inquiries on my credit report are really concerning. I didn't authorize nor consent to these companies accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (TN)

I am submitting a complaint against Midland Credit Management for allowing their attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to disclose written communication for this debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX publicly revealed that a debt was due on a statement that was mailed to my home address. They also referenced that they were Attorneys At Law. By putting their name on the envelope, it was an embarrassment for my local postal workers to see, as well as my household members. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX intentions were to humiliate, and threaten me. By putting " Attorneys At Law '' on the envelope, is an indication of their taking legal action against me, due to their company being in the debt collection business. Furthermore, the Mini Miranda, pertaining the visual language that " This Communication is pertaining to a debt '' written on the inward side of the statement, was partially visible because it bled through the glassine window on the envelope. This is a violation of the FDCPAs prohibition on a debt collector using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mail.
Consumer complaint received 2023-11-16
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. (LA)

I wrote a letter to Trans Union because they are reporting a XXXX off with XXXX Bank AND a recent late payments. So every month that my report is generated, it shows a late payment to them although the account is charged-off. IT IS NOT POSSIBLE TO CONTINUE TO BE LATE AND THE ACCOUNT IS CHARGED OFF. 

I recognize that the account has been charge-off due to non-payment. However, the lender nor creditor can indicate recent late payments when the account is inactive.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the inaccurate and inconsistent information XXXX XXXX has reported on my credit file concerning a loan that has been paid off in full. Despite receiving confirmation via email from XXXX XXXX that the loan was settled, and the vehicle title was mailed to me, they continue to report incorrect information. 

Throughout the XXXX pandemic, XXXX XXXX repeatedly altered the status of my loan on my credit report, reflecting it as either Filed under Bankruptcy, Charged Off, Deferred due to Natural Disaster, Account Closed, or now, since XX/XX/year>, showing a balance that continues to accumulate interest each month with a higher payment amount. This constant fluctuation in reporting is misleading, inaccurate, and directly harmful to my creditworthiness. 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681, which requires both credit bureaus and furnishers of information, such as XXXX XXXX, to ensure the accuracy and integrity of the information they report. The continued reporting of false and inconsistent information is in direct violation of these provisions. 

Please find attached documentation, including the email from XXXX XXXX confirming that the loan has been paid off and that my vehicle title was sent. I respectfully request that you Delete and Remove from all credit agency 's
Consumer complaint received 2024-09-26
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. (NV)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Subject : Formal Complaint Regarding Unresolved Credit Report Disputes Dear CFPB Representative, I am writing to request your assistance regarding unresolved credit report disputes that I have been experiencing with all three major credit bureaus : XXXX, Experian, and XXXX. 

Beginning in XX/XX/XXXX, I initiated my first round of disputes concerning inaccuracies on my credit reports. Since then, I have undertaken six rounds of disputes, with the latest submission made in XX/XX/XXXX. Despite my repeated efforts, none of my disputes have been properly processed or resolved. Instead, I have continually received what appear to be stall letters from each bureau, failing to address the specific inaccuracies I have reported. 

I am enclosing copies of all correspondence and documents I have sent and received throughout this process, including a notarized letter that outlines each dispute and the supporting evidence provided. I believe these documents demonstrate a clear pattern of non-compliance by the credit bureaus in adhering to the Fair Credit Reporting Act ( FCRA ) guidelines. 

I respectfully request that the CFPB intervene to ensure that the credit bureaus conduct a thorough investigation into my disputes and provide a comprehensive response, as required by law. This matter has caused significant frustration and inconvenience, and I am seeking a resolution that corrects the inaccuracies on my credit reports. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in ensuring that my disputes are addressed appropriately. 

Sincerely,
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX XXXX # XXXX # XXXX # XXXX # XXXX # 15U.S.C 1681 section 602 A.States I have the right privacy 15U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instrctions
Consumer complaint received 2024-09-02
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. (IN)

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 2024-09-02
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I have a letter from the FSA dated XX/XX/year> that says the following :. 

We have carefully reviewed your application for borrower defense and determined that any loans that may have been eligible for discharge related to your enrollment at XXXX XXXX were previously cancelled or discharged.

Yet this continues to remain on my credit report regardless of how I try to get it off. The only XXXX loans I've ever had were from XXXX XXXX XXXX which, due to scamming myself and others ( verifiable by just doing a simple XXXX  search ), changed their name to XXXX XXXX XXXX This should be removed from my credit report. Not only did XXXX XXXX withhold my XXXX  because they said I needed to pay my XXXX loans in full, but they lied to get me in the door. They specifically said they had a work placement department that would get me interviews with companies in my related field, which was XXXX XXXX XXXX XXXX Well, the only thing they had for me was XXXX XXXX XXXX XXXX XXXX XXXXo which I said the only reason I went with your school was because you said I would get interviews for jobs in my field as I got close to XXXX 

This is where the loan originated, and whether it was bought, sold, or refinanced doesn't matter. It's with XXXX now, but the FSA said it's discharged, and I want it removed ASAP. I have documentation if needed.