davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
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)

The lease in question ended at the end of XX/XX/year>. I was granted an extension to purchase the vehicle. The lease extension was through XX/XX/XXXX. I sent XXXX a bank check for the full purchase amount which was received by XXXX on XX/XX/XXXX ( XXXX Tracking Number XXXX ). XXXX is now reporting the lease as delinquent. 

I called XXXX on XX/XX/XXXX after I became aware of the status of the lease. XXXX indicated that they are experiencing a delay in processing the end of the lease. XXXX stated it is taking them about XXXX  days to complete the lease end process. I emphasized to XXXX that the information on my credit report was incorrect. XXXX offered to e-mail a letter stating that the lease has been paid as agreed. XXXX stated the letter would be sent via e-mail within the next XXXX hours. No letter has been received. The status of the lease is still being misreported.
Consumer complaint received 2024-07-12
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. (OH)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-07-12
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally complain about the inaccurate information on my credit report that has not been corrected despite my previous dispute. The dates of last activity, date opened, and date last reported for certain accounts are incorrect. I was informed that the account was verified, yet no changes have been made to my report. 

Additionally, I have not received any response to my last complaint regarding this matter. I request that you either update this inaccurate information or remove the account from my credit report immediately. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-21
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-14
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)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-07-21
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. (MS)

XXXX Block Request : Dear Sir or Madam : I am a victim of XXXX  and the following addresses listed on my credit report are outdated and the result of that trafficking : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please block the following accounts from my credit report pursuant to section 605C of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Please take immediate action to block this information from my credit report within four business days and provide me with notification of the actions taken. Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2019-12-17
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: EQUIFAX, INC. (CA)

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( XXXX, Equifax, and XXXX ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX Account # XXXX ... Amount {$1900.00} and another for {$100.00} for an authorized/unknown medical bill.
Consumer complaint received 2024-07-18
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: Maximus Federal Services, Inc. (FL)

DEPTARTMENT OF EDUCATION/AIDVANTAGE ID # XXXX ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : XXXX XXXX ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : XXXX XXXX  ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : XXXX XXXX ACCT # XXXX {$7600.00} OPENED XX/XX/XXXX XXXX XXXX XXXX ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : XXXX XXXX  ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : XXXX XXXX  ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : XXXX XXXX THESE LOANS WERE DEFERRED AND LATER FORGIVEN BY XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance.

The account in question is XXXX XXXX Account # XXXX ... Amount {$1400.00} for an authorized/unknown utility.
Consumer complaint received 2024-07-13
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. (MA)

I been reviewing my credit file and notice XXXX XXXX is reporting incorrect information to such consumer agencies. The payment history and dates are incorrect. I was never late to this account. Congress gives us laws to protect us from unfair credit methods and for us to be treated fair that our information is 100 % accurate all times. In accordance with the FCRA, this creditor has violated many of my rights. Under 15 usc 1681b2, you can not furnish any report without my consent. I never gave them permission to access my file, I am entitled to privacy. You can not furnish information knowingly incorrect to my file, must be deleted, under 15 usc 1681s2. After I disputed several times and no changes were made. They still are reporting wrong information to my file even after put on notice several times. 15 usc 1681a2ai, consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted from file. Congress also states under 15 usc 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I did not receive a statement 21 days before the late payment error. If the finance charge is included, there should be no late payments pursuant 15 usc 1605a, due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. I requested to reinvestigate, and nothing changed. The payment history and delinquent date status still remain incorrect. Under 15 usc 1681i5ai, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete or modify to accurate. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. The my credit must maintain 100 % accuracy under 15 usc 1681eb Congress states.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting 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 open date is inaccurate, the last date active is inaccurate and the last date reported is not accurate. This is grounds 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 an account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (FL)

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. 

XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 2024-07-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (TN)

To Whom It May Concern, I am writing to formally dispute an auto loan that was fraudulently opened under my name by XXXX XXXX, financed through TD Auto Bank. This loan was created without my knowledge or consent, and several violations were committed during this process, breaching multiple consumer protection laws. 

Details of the Fraudulent Loan : Loan Holder : TD Auto Bank Dealership : XXXX XXXX Name : XXXX XXXX Contact Number : XXXX Email : XXXX Date of Birth : XX/XX/year> Issues with the Loan : XXXX. Unauthorized Loan Opening : The auto loan was opened without my knowledge or consent, violating the Fair Credit Reporting Act ( FCRA ), which protects consumers from unauthorized use of their credit information. 
XXXX. Illegal Down Payment : A {$2000.00} down payment was taken from my debit card without my permission, in direct violation of the Electronic Fund Transfer Act ( EFTA ), which protects consumers against unauthorized electronic fund transfers. 
XXXX. Pressure Tactics for Extended Warranty : I was pressured into accepting an extended warranty that I did not want or agree to. This practice violates the Truth in Lending Act ( TILA ), which requires clear and honest disclosure of credit terms. 
XXXX. Fraudulent Contract Signing : My information was signed on the contract fraudulently, which constitutes identity theft under the Identity Theft and Assumption Deterrence Act.
Consumer complaint received 2024-07-13
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. (TN)

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged de pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICA OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIon
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

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.

Equifax 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