davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I've received a copy of my credit report on XX/XX/year> and to my surprised I notice that XXXX XXXX card has been added back. I disputed the inaccuracy of this account before on XX/XX/XXXX and it was removed from Experian for fraudulent opening and identity theft so I'm confused as to why this item has popped back up on my report. I contacted this company and this is a business account not personal and after speaking with XXXX I was given a email because the address they have on file is no longer used. They don't have a actual address because this company was brought by capital on tap ( the reporting Furnisher ) and the only method of contact is by phone XXXX and email to dispute is XXXX. So again how is this account being verified and reinserted when it is clearly fraud and I was incarcerated at the time.Under the FCRA, an item can not be reinserted into my credit report without written notice by a credit bureau to the me within 5 business days of the reinsertion. I've received no such letter and would like for this item to be deleted again as this is a violation of my rights.

Upon deleting this account pease send me an updated copy of my credit report to the address above.
Consumer complaint received 2024-06-06
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. (IL)

So I've been trying to refinance my mortgage and recently got in touch with XXXX XXXX and XXXX and authorized them to run hard credit checks. What happened as result of this, a plethora of calls started flowing in from other lenders. 

One of the lenders who called in, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), had my SSN details. I was very surprised with this and they advised they had these details from Experian. I wasn't comfortable with and they told me about couple of loan options and I asked them to send me a loan estimate - however, without my prior consent, given they had all my details from this credit file- they ran a hard credit inquiry! Not just that, XXXX XXXX XXXX XXXX XXXX even did not send me proper loan estimate docs- they kept sharing screenshots masking the lender name, etc. > did not disclose their NMLS ID and did not read out the mandatory consent for hard credit checks. Just coz they had access to my SSN, they just ran the hard credit checks and this is so annoying! 

When I contacted Experian to have this inquiry removed, they simply refused, stating that's something beyond their control. I was able to file disputes with XXXX and XXXX and they will investigate this further and have these inquiries removed. Experian on one hand, makes all the personal details explicitly available to other lenders and for any unauthorized credit inquiry, won't allow me to file a dispute. Who authorized Experian to share my personal details with all the lenders out there? 

So the dispute is against XXXX XXXX for running the hard credit checks without my prior authorization and also against Experian for making all my details readily available to lenders like XXXX who can use this information at any point of time. 

This is just unacceptable.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-09
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXXXXXX XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked 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 reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( 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.

According to 15 USC 1681s-2 they are suppose to 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Upon purchasing my vehicle, I was told that my payment amount was different from what the actual payment really was. I started off paying what I was told my car note was, and when I paid it, the dealership or finance company kept telling me it was a different amount. Once I would pay the amount, I was told that I was still not paying the correct amount. I would then either pay the amount that was verbalized to me or I would pay 2 payments sometimes in one month.

Nevertheless I was being marked 30 days late on my credit report multiple times when I was never 30 days late paying this account. The late payments that are reporting on my credit report are errors and need to be corrected as this is destroying my credit rating. This problem was not my fault but the fault of the finance company or dealership that gave me incorrect information.
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. (GA)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2023-09-30
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. (CA)

I am writing in regards to the erroneous accounts that ive disputed from my CONSUMER REPORTand ive yet to get a response from the company in question.Its been over 30 days and they have disregarded my dispute and account in general this needs to be taking care of quick my consumer report report multiple violations across the profile in total disregard.
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. (VA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (SC)

I paid the Affirm company in full for an item ordered from XXXX. The item was not leather and was defective. I contacted Affirm about the defective product but i did no, not received a response from the firm. I paid my balance in full as evident by the app that states I am all caught up and on my credit report it says I have been late more than XXXX times and that I owe money. This is absolutely wrong because I paid the balance in full and never got a refund for my defective product as I ask I asked this be removed my cXXXX XXXX XXXX is misleading as I know I paid it in full and it is showing up on my credit report as charged off when this is not the case. I was never late on my payments and the a doubt is paid in full
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I am filing this complaint for several late payments to my account which occurred during the pandemic. The late payments for XXXX were in XXXX, XXXX, and XXXX. The late payments for XXXX were in XXXX, XXXX, and XXXX. The monthly payment amount was {$590.00}. I made on time payments prior to the pandemic. It was a very difficult time as a single mother with XXXX kids trying to work during the pandemic. The stress and anxiety from the pandemic and also getting XXXX made it very difficult for me to work. I have called Credit Acceptance on many occasions trying to get them to work with me on those late payments and I didn't receive any assistance. The only thing I received were very rude and unconcerned representatives. I would greatly appreciate some type of leniency in these difficult times.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report, I saw they had XXXX different names on my report, with different spellings. They have XXXX different addresses ; some I've never lived. They have XXXX different employers on my report. They still have my ex-husband listed on my account, ( I been divorced since XXXX ) and XXXX different telephone numbers. I sent a letter to them with instructions and proof of information showing my current address, name and phone number. I informed the CRA 's of my current employment. The letter was sent on XX/XX/XXXX, CRA 's still have not cleaned up my credit report. After sending a second letter to one of the CRA 's providing them additional information that they requested, I sent the information, and I received a second letter asking for the same information all over again for the third time. I need all the inaccurate information removed off my credit report immediately.
Consumer complaint received 2022-01-11
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. (MO)

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 2024-06-06
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)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
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. (IL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is my multiple request to delete this account in my credit report that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Balance {$12000.00}
Consumer complaint received 2023-11-22
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant XXXX to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (KS)

Hello, This is XXXX XXXX XXXX. I have applied for XXXX XXXX credit card ( CitiBank ) on XX/XX/2021. I got the letter that says I need to submit the following documents in order them to complete the processing of my application : US passport, US voter registration card or US permanent resident alien card. 
I dont have any of those documents yet, I am an international student ( XXXX visa ) who has XXXX and I legally work on campus. Also I am in green card process, but still dont have any card that prove my permanent residency here. 
When I applied for the credit card, I clearly checked the terms and I did NOT find anything regarding that non US citizens or permanent residents cant apply for any Citibank credit card. I got hard inquiry for the thing that Citibank didnt mention in the application, and I need to pay the price of this lack of information of Citibank on its applications. 
I have been had all kinds of credit cards without any issues with my residency and status.Citibank is the lender and its their choice BUT when they dont give any hint and information regarding that non US citizens or permanent aliens cant apply for this card but after applying they tell to the customers, then this is not my problem. 

Thanks.
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. (NY)

I recently received a copy of my credit report and noticed some errors. I've highlighted them in the attached copy for your reference. Here 's what I found : 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'm requesting the removal of an inaccurate inquiry from my report regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, I'm asking for an investigation into these items and their removal from my report. I understand that you'll need to verify these with the creditors who posted them. Please remove any information that can't be verified by the creditor. I'm aware that under 15 U.S.C. Sec. 1681i ( a ), you have 30 days to complete this reinvestigation upon receiving this letter. Thank you for your attention to this matter.
Consumer complaint received 2023-11-22
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: EQUIFAX, INC. (GA)

I submitted dispute letters on XX/XX/2023, contesting the validity of certain accounts. Despite their response claiming verification and the completion of the investigation, I requested verifiable proof. Since XXXX, I have consistently sought evidence without receiving any. These accounts are not mine, and I urge their immediate removal. I have attached my identity theft report to support this complaint.
Consumer complaint received 2023-09-30
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. (PA)

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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : FRSTFIN/FNBP Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-06-07
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 was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.