davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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. (CA)

Fraudulent Information on Credit Reports : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AutoNation Enterprises Incorporated (UT)

We voluntarily gave back a car we were financing back in 2015. Once we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with Cig Financial and the agreement we signed says it will be updated on the credit report as satisfied paid and   XXXX   balance. ( letter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Since  XXXX -2015 we have been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from Cig   XXXX   XXXX   said she already reported it to the credit company as " paid with {$0.00} balance ''. For 2 1/2 years now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with   XXXX   and Cig Financial. I feel it was against the law the way it has been reporting on our reports for the last 2 1/2 years and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from   XXXX   that she will report it as paid satisfied with a   XXXX   balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from   XXXX   XXXX  .
Consumer complaint received 2024-10-27
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. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-27
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. (NC)

I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX XXXX XX/XX/XXXX. This account has always been paid on time and has never been late since XX/XX/XXXX. I have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from https : //member.identityiq.com of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.
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. (GA)

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. 

and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
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. (NY)

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 studying 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 2 out of 3 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 2024-10-27
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)

I filed a complaint with the CFPB on XX/XX/year> as well as several FTC reports with the Federal Trade Commission which included several fraudulent accounts that were removed from my EXPERIAN and XXXX reports but four fraudulent accounts returned to my EXPERIAN report and three fraudulent reports returned to my XXXX report. None of the fraudulent items I requested were removed from my XXXX report despite the fact I sent FTC reports along with a signed affidavit to all three credit bureaus. Lastly on XX/XX/XXXX, I sent a litigation letter to EXPERIAN in a last attempt to resolve this matter and they only removed one of the four fraudulent accounts they had relisted a month prior. I ask you respectfully to resolve this matter because the bureaus are not willing to remove these items and have not delivered the original contracts and signatures of these fraudulent accounts to me as documented proof. Please take time to remove these accounts. I have listed them below. Thank you. 

XXXX XXXX XXXX XXXXXXXX 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

Debt collector is trying to collect money for back rents that... 
A ) doesn't have proof of a signed lease or residence at that time period, which means the rent for the time period of the lease signed was paid in XXXX, and the collector didn't provide any proof of any Debt owned when I requested it. 

B ) the rent was approved for payment in XXXX  by XXXX  XXXX of which the XXXX was in confirming in XXXX  to me of it. 

C ) XXXX rules and guidelines states very clear that a XXXX  can not by law collect these rents or add any late fees or interest ones XXXX was filled, but XXXX violated these rules. 

D ) XXXX called us to XXXX, which was dismissed. 

So after XXXX  don't have proof of any money/Debt owned to him for the time period he is trying to collect a Debt, XXXX  was approved for payment in XXXX  by XXXX  but still is trying to collect more money and added fees and interest against XXXX  rules XXXX XXXX  's suit in XXXX  was dismissed by the XXXX, and even after a XXXX  dismissed the XXXX  's XXXX, XXXX  is still after us for collection of a Debt that isn't true and no Debt is owned to XXXX, I notified the XXXX and the collection agency of all the above Facts, + I send them all the proof of the above stated XXXX, XXXX dismissal and complaints against the Debt, which I never received a response to it from either the XXXX  or collection agency.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The account is with : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX This account was paid off XX/XX/year> and reported to all XXXX credit reporting agencies on XX/XX/year>. However, non of them have updated my credit report as of yet. I filled a dispute with all XXXX on or about XX/XX/year>. All XXXX credit reporting agencies responded that the account balance was correct on or about XX/XX/year>. I provided a copy of the account paid in full letter on or about XX/XX/year>. 

I called XXXX XXXX and after checking their records they confirmed that they had reported the account paid in full on XX/XX/year>. They also advised me that I should file this complaint. 

All XXXX credit reporting agencies are very difficult to file disputes with and impossible to get on the phone!
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-15
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. (CA)

I tried creating an Experian account in XXXX, XXXX, 2024, but when I did, I got this message : Experian is committed to protecting your personal information. Unfortunately, we have not been able to properly identify you from the information provided.

Please note that your order has been canceled. If you continue to have issues, please contact Customer Care at XXXX. 

I tried contacting customer care, but it just gives me an automated system that say to the website, which I dont find any useful information in.

I attempted to create an account again today, XX/XX/year>2024, which the same thing happened.
Consumer complaint received 2024-10-27
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. (FL)

ACCOUNT NAME : XXXX XXXX XXXX XXXX Everything has to be 100 % % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the dates are inaccurate, the date last active is inaccurate, and date last payment is not accurate. 
Payment status not accurate. Even the remarks arent accurate. they didnt even finish the investigation after months of calling ( its in the remarks ). The high balance isnt accurate either! 
This ground for removal they also violated my rights under 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 ( WHICH WAS DONE MULTIPLE TIMES ) Also the Credit bureaus took more than 30 days to complete my investigation
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. (GA)

I am submitting a formal complaint regarding an inaccurate collection account reported by XXXX XXXX XXXX on the Equifax credit report, with a balance of {$1000.00}, reported on XX/XX/year>. There is no creditor relationship with XXXX XXXX XXXX, and they have failed to provide any verification, such as an assignment or transfer from XXXX Credit Card, which is frequently blank as the original creditor. In fact, XXXX XXXX XXXX has failed to provide any verification for an assignment or transfer from any original creditor to collect on a debt of {$1000.00} for collections. Furthermore, the Equifax credit report shows that the XXXX XXXX XXXX  account has a {$0.00} balance and was charged off with no outstanding balance owed. This directly conflicts with the balance being reported by XXXX XXXX XXXX. XXXX XXXX  for XXXXXXXX XXXX XXXX  and any accounts acquired show no further balance is owed. As such, XXXX XXXX XXXX can not legally claim that a balance of {$1000.00} is owed without proof of a legitimate assignment or transfer of this debt, which they have failed to provide. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, consumer reporting agencies must conduct a reasonable reinvestigation of any disputed information. Since XXXX XXXX XXXX has not verified the accuracy of the debt, Equifax must delete this account from my credit report. Additionally, under FCRA 15 U.S.C. 1681s-2 ( b ), furnishers of information such as XXXX XXXX XXXX are required to conduct a reasonable investigation when a dispute is raised. Without valid verification, the collection account must be removed. Furthermore, under FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. The conflicting information regarding the balance on the XXXX XXXX XXXX account or any account acquired by XXXX  versus the XXXX XXXX XXXX account violates this statute. The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e prohibits debt collectors from making false or misleading representations. Since XXXX XXXX XXXX has not provided verification of this debt, they are violating this statute by falsely reporting that a balance is owed. Finally, under FCRA 15 U.S.C. 1681s-2 ( a ), furnishers must report accurate information, and since XXXX XXXX XXXX XXXX not verify the accuracy of this debt, the account must be removed from my credit report. XXXX XXXX XXXX can not verify a creditor relationship by and through an assignment or transfer. Based on these violations of the FCRA and FDCPA, I request that the XXXX XXXX XXXX collection account be removed from my Equifax credit report immediately. This is false and incorrect information. I also ask for written confirmation once the account has been deleted. Failure to comply with these statutes violates my rights under federal law, and I am prepared to pursue further action if necessary.
Consumer complaint received 2024-10-27
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)

Today, I found unapproved inquiries on my credit report, and I have no idea why theyre there. I checked my credit report like I always do, and this time, new discrepancies caught me off guard. Even after refreshing my browser, they didn't disappear. I'm asking that the documents I submitted be thoroughly reviewed to prevent this from happening again, as this issue has been highly stressful.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

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 2024-09-10
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 recently looked at a copy of my credit report and I noticed that there were some things on my credit report I had no knowledge of also a few inaccuracies. I sent a dispute letter to all three credit bureaus ( Experian, XXXX, and XXXX ) I sent this letter more than 35 days ago and the credit bureaus have yet to respond. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.