davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-04
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 a victim of trafficking. The information listed below, which appears on my credit report, is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-22
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. (CA)

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 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.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (MI)

I tried transferring money from my XXXX to my Chime account. The amount was for XXXX on XX/XX/XXXX. I called XXXX to see what was going on as the money is usually there by the end of the business day. XXXX informed me that chime denied the transaction with the line " Non transactional account. '' When I called Chime they denied even having a record of the transaction. I asked for a supervisor and put on hold. The supervisor then acted like they couldn't hear me and I ended up having to hang up.
Consumer complaint received 2024-09-04
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. (NJ)

I have noticed several accounts on my credit report that do not belong to me. These accounts were opened without my knowledge or consent, violating my privacy rights under 15 U.S.C. 6802. I did not authorize the sharing of my personal information, nor was I given the option to opt out before these accounts were furnished on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the immediate removal of these fraudulent accounts from my credit report. Additionally, I demand that any negative information associated with these accounts, including late payments and charge-offs, be deleted. I am a victim of identity theft and did not authorize these accounts ; therefore, they should not be reported on my credit file. 

This situation has caused significant harm to my financial well-being, and I request your prompt action to correct this matter.
Consumer complaint received 2024-08-22
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. (AR)

I am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXX XXXX account # XXXX on my credit report. The information provided by the three major credit bureaus contains discrepancies that are misleading and damaging to my credit profile. Below are the details of the inconsistencies : High Credit : Experian : {$32000.00} XXXX : {$32000.00} XXXX : {$0.00} Last Active Date : Experian : XXXX XXXX : XXXX XXXX : XXXX Charge-Off Status : Reported as a charge-off by all three bureaus. 
Late Payment Status : Experian : Was 30 Days Late 1 Time, Was 60 Days Late 2 Times, Was 90 Days Late 1 Time. 
XXXX : Was 30 Days Late 1 Time, Was 60 Days Late 2 Times, Was 90 Days Late 21 Times. 
XXXX : No late payment status reported. 

These discrepancies violate my rights under federal law and must be corrected immediately. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to maintain the maximum possible accuracy of the information they report. The conflicting data on high credit, last active dates, and late payment status across the three credit bureaus clearly violates this provision. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) mandates that furnishers of information report accurate data, which has not been done in this case. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The inaccurate reporting of late payments and charge-off status, especially with such significant discrepancies, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inconsistencies may also violate 15 U.S.C. 1692f, which forbids unfair or unconscionable means to collect or attempt to collect a debt.

Metro 2 Compliance Issues : The Metro 2 format, which is the industry standard for credit reporting, requires consistent and accurate reporting of account information. The discrepancies in high credit, last active dates, and payment statuses across the bureaus indicate non-compliance with Metro 2 guidelines, further warranting the removal of this account.

Request for Immediate Action : In light of these violations and non-compliance issues, I am requesting the immediate removal of the XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. Additionally, I request that you provide me with an updated copy of my credit report reflecting this correction.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian keeps losing my address and because of that they won't let me pull a credit report and I'm trying to do a loan and they need my credit report and score from Experian but because Experian can't seem to get my address correct no one can pull my report from them I called them and they said they wanted me to send a copy of my driver 's license and my social security card which I did in XXXX and they still didn't fix it I need it fixed and they're refusing to fix it
Consumer complaint received 2017-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CASHCALL, INC. (CA)

This company charged off/sent my account to an attorney in XXXX of XXXX.. I received a letter from the attorney approx XXXX XXXX XXXX. I immediately called cash call because I was on a settlement plan and I made the XXXX XXXX payment the end of XXXX, I had to go back and forth with them for almost 2 weeks and submit proof pf payment etc ... finally on XXXX XXXX XXXX they claim that they got the account back from the attorney and I could start payments again. I got an email from them on XXXX XXXX at approx XXXX XXXX. This was XXXX. and It was a Saturday. I made the payment XXXX XXXX which was a Sunday and I thought we were starting payments from that point. I have been faithfully making payments ever month since then. I pay via money gram and I pay {$6.00}. In XXXX XXXX I happen to call and they said my account was charged off ... I said they was impossible and that was a mistake. I thought it was the same mistake from XXXX XXXX and that the rep was confused of they never fixed the mistake. So she said she saw the problem and it would be resolved ... I never heard anything since then I 've just been making payments every month. I pulled my credit report and it stated that the account was charged off ... I called because I was so shocked ... .Again I have been making payments faithfully every single month hoping to try to avoid charge off and bankruptcy only to find out this company has charged off my account off and I have been making payments faithfully ... They claim that when they talked to me on XXXX XXXX in the evening that I was told I had to make the payment that day ... Again this was Saturday and XXXX evening ... So they payment was made in less than 24 hrs and they are claiming that because of that the account was charged off ... remember they have been taking payments monthly and I have never received anything in writing stating the account was charged off ... They are taking advantage of me and paying games.. They are a predatory lender and I need some help please. They know that I have has some financial problems so they are taking advantage of me ... Please help I am so stressed out and do n't know what to do.Thank you XXXX
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc. (MS)

XX/XX/year> account was frozen. I placed a call to the company and told that I would be emailed an explanation and instructions. 

XX/XX/year>. I called the company to say that no email if explanation was ever sent and I still couldn't access my mone. My paychecks were deposited and I have no access to these
Consumer complaint received 2024-08-22
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. (MN)

I am filing a complaint against XXXX, Experian, and XXXX for violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ), my student loans have been included in my credit report without my consent. Additionally, all charged-off accounts should be marked as " paid as agreed, '' as a charge-off is considered a certificate of indebtedness and should not be reported as an owed debt. The agencies have failed to comply with 15 USC 1681e, which mandates the maintenance of reasonable procedures for accuracy and privacy, as well as 15 USC 1681 section 602 ( a ), which emphasizes fairness, impartiality, and respect for consumer privacy. Furthermore, 15 USC 6801 reinforces this right by mandating that financial institutions respect the privacy of their customers. My Chapter 7 bankruptcy was reported without my authorization, in violation of 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ), which require consumer consent and proper notification of nondisclosure options. I did not grant consent to any reporting by these agencies or the creditors mentioned, and I was not informed of my right to opt-out. I am formally opting out of all reporting services that disclose information to nonaffiliated third parties without my consent. Moving forward, I expect a privacy notice before any additional information is furnished on my consumer report. Immediate action is required : ( 1 ) cease and desist from reporting any information regarding my student loans or bankruptcy to any credit reporting agency, ( 2 ) correct all inaccuracies in my credit report and ensure that all charged-off accounts are marked as " paid as agreed, '' and ( 3 ) provide written confirmation of compliance with these demands within 15 days.
Consumer complaint received 2024-08-22
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. (AL)

Did not do an investigation at all. My social security number was breached. All the negative items need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, etc? An account can only be charged off one time. This is clearly a violation.

Consumer Reporting Agencies said they get their bankruptcy from the court. I have proof stating the courts doesn't provide this information so this is fraudulent information.
Consumer complaint received 2024-08-22
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. (AZ)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Update to Open/Never late 3. there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 

5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 

6. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number : XXXX Update to Open/Never late 9. there is some inaccurate information reporting XXXX XXXX XXXX Account Number XXXX XXXX Delete from my credit report. 

10. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-22
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. (PA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-22
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. (TX)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-01
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. (CA)

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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX account need to be removed as i pulled uo my credit report. 
The following : XXXX XXXX account number ending XXXX XXXX  XXXX  account ending XXXX Midland Credit for XXXX My full name is XXXX XXXX XXXX and my one and only address is attached below.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-22
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)

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 2024-07-08
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)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX 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 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. XXXX XXXX, XXXX, XXXX 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Dear CFPB, I am writing to dispute incorrect personal information on my credit report. The names [ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ] and addresses [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. The following employers [ XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX listed do not belong to me. Please investigate these inaccuracies and remove them from my record. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.