davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am submitting the attached documents to dispute the XX/XX/year> late payment on my mortgage with XXXX XXXX XXXX. 

After sending several requests to update the late payment to OK or paid as requested, I am now disputing with a XXXX letter and a receipt from XXXX XXXX, which acknowledges the error and gives me credit for the late payment. 

Please Review Attachments Please note I have sent a letter to the Attorney General In PA and CRA.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This will be my second attempt at resolving this issue. I pulled a recent copy of my credit report and noticed two accounts reflecting in accurate information, in the form of late payments ( XXXX and XXXX XXXX XXXX accounts ). Not only have I never been late, but reporting this inaccurate information to profile is in violation of the FCRA. 
According to According to 15 USC 1681i ( 7 ) each credit reporting agency is required to provide me their procedures on concluding any payments were late, which Experian, XXXX, and XXXX has been unable to do. I've sent letters certified mail requesting this information with No formal response or evidence proving that I have ever been late on these accounts. 
According to 15 USC 1681 ( A ) 2i. The FCRA governs a consumers transactions and experiences from being included and reported to a consumers profile. A late payment is considered a transaction and consumer experience. 
Reporting this unverified and inaccurate is also in violation of 15 USC 1681EB as each credit reporting agency is required to ensure maximum accuracy, when reporting to my consumer profile
Consumer complaint received 2024-06-05
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I look at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow the reasonable procedure to assure maximum possible accuracy of the information concerning that individual about home report relates according to 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2023-09-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

I leased a new car in XXXX in XXXX. Lease was through Chase Auto Finance for 3 years. During the 3 years, I moved back to XXXX and registered my car with the state of XXXX as goldenrod, since I didn't have the title. Lease ended in XXXX, and I switched to a loan through Chase Auto Finance. Loan was paid off in full, early, around XXXX. I did receive lien release letters from Chase stating that the amount was paid in full. Never received a title document. In XX/XX/XXXX I contacted Chase Auto about receiving my title document. They stated that it was something the XXXX DMV should have done electronically, but that they would resend me the lien release letter so that I had a copy of it for my records. They said they would contact Texas to resend a copy. I never received anything. XX/XX/XXXX, I contacted Chase again asking for my title. They said they looked into it -- that Chase did everything they were supposed to but that XXXX  DMV sent it to the wrong address. Chase rep said he was talking to XXXX DMV, updated my address, and resubmitted forms to send me a duplicate title. Chase rep said wait 30 days and contact them if you don't receive anything. I contacted XXXX DMV via email and they stated there was no record of any contact from Chase, no titles requested, nothing mailed out ( see email from XX/XX/XXXX ). I then submitted my own paperwork requesting a duplicate title from XXXX DMV, using Chase Auto lien release letter. On XX/XX/XXXX I received a letter back from DMV stating " We are unable to process your request for the following reason ( s ) : This vehicle appears to be a leased vehicle. '' After this, I contacted Chase Auto again on XX/XX/XXXX and spoke to Escalation Department. Asked for my title again. I was told that he would send it to the lease to loan department to open a case. He told me that documents were requested from XXXX DMV again in XXXX, but I have not received anything. I asked for a case number or point of contact for this case, and I was told that they can not provide that to me. I asked for a timeframe or date on which to expect my title, and I was again told that they can not provide this to me. It has now been over 2 years since my loan was paid in full, that I have no title document in my name and Chase is refusing or incapable of producing a title document. This prevents me from registering the car in my name or selling it if I desire to do so.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (CO)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2024-06-06
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-06
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. (WI)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that it was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates, XX/XX/year>. I'm now requesting you to investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ND)

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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-06-05
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 reviewed my consumer reports and noticed had i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have provided proof with statements showing that this account does not belong to me. I have attempted to have this them remove this account that is not mine and requested documentation proving that it belongs to me I requested this multiple times and i am yet to receive any documentation or proof it belongs to me. They are required to have this removed and if the documents and response are within 30 days this has been over 3 months and still have conflicting information and have not provided proof this belongs to me. I am contacting a lawyer to represent me if this is not addressed, and account is removed from my credit report for emotional distress and punitive damages due to not being able to purchase my home from this false account I never took out. I have never conducted any business nor paid anything to this company.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-11-14
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. (NJ)

XX/XX/XXXX I submitted an online dispute with Transunion regarding XXXX XXXX card service charge off-collection stating that I have a victim of identity. I attached the following : FTC ID THEFT Report, XXXX XXXX form and Division of Taxation notification ( Ref # XXXX ) to Transunion. 

Between XX/XX/XXXX, XXXX XX/XX/XXXX, the major credit reporting agencies ( CRAs ) responded. Transunion denied to block the information from being reported. Transunion wrongfully assumed misrepresentation, error or receiving goods for completing the transaction. 

XX/XX/XXXX @ XXXX XXXX  ) I visited XXXX Police Department XXXX XXXX Precinct. Sergeant XXXX reviewed the aforementioned documents and stated that I needed to retrieve proof of XXXX XXXX transactions from statements in order for the investigation to proceed. 

So I Called XXXX XXXX ( XX/XX/XXXX @ XXXX XXXX  ) credit dispute resolution center and spoke with XXXX XXXX who confirmed that there was identity theft note in my file. I requested documents then I was transferred to XXXX. XXXX did not have the right address. So I updated my address on file first. Next, XXXX stated XXXX XXXX XXXX XXXX not have transaction records anymore ; records were sent to the Attorney. I Called the attorneys office, XXXX & XXXX ( XX/XX/XXXX @ XXXX EST ) requesting documents from XXXX XXXX I never received the documents. 

The creditor grantor ( XXXX XXXX ) does not have the original records and Transunion did not verify methods of investigation. 

I, XXXX XXXX XXXX XXXX am a natural human being and I have autonomously typed this complaint.
Consumer complaint received 2024-06-06
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. (TX)

TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ATTN : EXPERIAN TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE UNAUTHORIZED FRAUDULENT HARD INQUIRIES IM UN AWARE OF THEM THIS IS CLEAR IDENTITY THEFT I HAVE DISPUTE THESE HARD INQUIRIES IN XX/XX/year> AND EXPERIAN HAS DONE NOTHING TO REMOVE THEM IF EXPERIAN DONT REMOVE THEM, I WILL GET A COURT ORDER. ALSO, IM ASKING FOR {$33000.00} TO BE MAILED TO THE ABOVE ADDRESS OF MY HOME. PLEASE VIEW FTC REPORT FOR ITEMS REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTERANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-05
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. (IL)

PLEASE BLOCK AND REMOVE It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I check all three Credit agencies and notice that Trans Union was not updating the correct balance on my credit card with XXXX XXXX XXXX ( XXXX ) on the first week of XXXXI call and they told me that my credit union ( XXXX  ) had not reported to there agencies and told me to contact my credit union that it was on there end. So I call ( XXXX ) and they said they report to all credit agencies at the end of the month.I then waited 30 days for my next statement to generate again only Trans Union was the only credit agencies that had not undated my balance. I then mail in to Trans Union a copy of my credit card statement to prove the amount that i owe. they received it on XX/XX/year> I call back and they told me that it would be updated in a week. it is now XX/XX/year> and they have not updated my balance in two months
Consumer complaint received 2024-06-06
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. (NJ)

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 2024-09-03
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. (IL)

My account with ( CREDITOR NAME ) 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 in those account 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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-05
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. (WI)

Upon reviewing my credit report, I stumbled across a few accounts that did not belong to me. I have never heard of such companies before. I also have never given anyone my personal information. Below are the accounts : XXXX XXXX balance {$530.00}, posted on XXXX XXXX Acct XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX balance {$140.00}, posted on XX/XX/XXXX Acct XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX {$0.00}, posted XX/XX/XXXX Acct XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

There is a fraud alert freeze on my credit. 
Everything I apply for I get denied I have nothing negative on my credit.it says for the creditors to call for verification but just deny me I need this fraud alert lifted immediately
Consumer complaint received 2024-06-06
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)

I've recently checked my credit profile and discovered inaccuracies in several accounts. I'm asking for my credit report to be brought into Metro-2 compliance. I know the credit reporting laws require bureaus to report only 100 % true, accurate, complete, timely, and proven credit information. I'm requesting the removal of any challenged or disputed misinformation, including any aspects of unproven reported subterfuge.

I don't authorize the bureau to report not proven compliant information and demand the removal of any non-compliant information by full and permanent deletion or adequate testimony to the document certification of their obedience to Metro 2 data reporting regulations. Failure to do so will lead to my determined and rightful civil actions to seek monetary resolution through a court in my jurisdiction. I'm asking the bureau to authenticate and avow corporeally to the absolute genuineness, accuracy, allness, accordance, and adherence to all federally composed legislative documents related to the now officially challenged allegations of account. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX