davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I received a statement that my payment history was inconsistent with the credit bureaus. My lease with XXXX XXXX was paid in full and satisfied on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from XXXX stating that I had been charged {$420.00} for an unknown amount. After contacting XXXX, one of their representatives stated, " The payment is for some type of state taxes. "? The representative went on to say the credit bureau information was erroneous. I informed the representative that my spouse was exempt from taxes related to XXXX vet status. I want to add that I was leasing another vehicle from XXXX and remain in good standing. Fast forward to XX/XX/XXXX, the credit bureau entered XXXX plus late payments and a missed payment to my account related to the leased vehicle, which was paid in full and satisfied on XX/XX/XXXX. On XX/XX/XXXX, I leased another car from XXXX XXXX. This is very concerning and unfair to me as a consumer. These occurrences have had a substantial impact on my family 's well-being. I have requested that my payment history be printed out.
Consumer complaint received 2024-09-06
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. (FL)

I am writing to formally dispute the reporting of a charge-off account on my credit report that I believe contains multiple inaccuracies. The account in question is associated with XXXX XXXX XXXXXXXX, and here are the details Please delate this account
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I recently reviewed my credit report and was upset to learn that I have been a victim of identity theft. I found multiple accounts that were no opened by me. This is hurting me during the process of purchasing a house for my family. Please delete these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the XXXX segments of the XXXX XXXX requirements including The Header Record, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation.

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the
Consumer complaint received 2023-12-04
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. (MO)

On XX/XX/2023 I sent a request for debt validation with my original contract and wet ink signature for accounts with DEPT ED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-07
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. (OH)

This debt was paid in full to the original debt holder. 

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. I am not the owner of this debt. Debt was settled with original debt holder. 15 U.S.C. 16815-2 ( 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (PA)

hey, my name is XXXX and ive first noticed a problem XXXX XXXX my car was broken into at a gas station where I had an envelope of all my personal information because I was on my way to an interview and they stole everything. my social card, my i.d my diplomas, basically everything I had now I'm lost and I don't know what's going on. I'm writing to guys to have all the listed accounts deleted from my file ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I already reported the theft of my identity to the federal trade commission and I'm able to show copies. please! delete these items as soon as possible.
Consumer complaint received 2024-09-07
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. (MI)

i've recently checked my credit report and noticedsome inaccurate accounts reporting XXXX XXXX XXXX claimed that i had 3 late payments. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
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)

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 XXXX : XXXX XXXX  Account XXXX has violated my rights. Or a 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 2024-09-06
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX BALANCED {$0.00} XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TN)

I'm being Stalked by someone high up in government. I most recently began to gather proof of being stalked with credit card and credit reporting issues. Here 's an example of what they are and have done and here is the issue for this report. I opened a XXXX and company credit card around XXXX, XXXX. My closing date was XX/XX/XXXX. I received my first-time statement in the amount of {$110.00} with was legitimate charges. A week later, I go to pay my bill and it stated on-line that my balance was XXXX. I knew immediately that someone committed fraud on my account. I contacted the merchant and immediately they submitted a fraud investigation. On around XX/XX/XXXX the fraud charges where reversed and balance was corrected. The only statement that I have received with this company is one statement which was the correct amount of XXXX. My balance as of XX/XX/XXXX was {$1.00}. On XXXX XXXX it was reported to the credit bureaus that I had a balance of $ XXXXThey never reported the real statement balance of {$110.00} The fraudulent charges were even removed before they reported and it's not even time for me to receive a statement again because it does not close until XX/XX/XXXX. It took my credit score down XXXX points. You may say, oh no that's one instance. No, this has happened to me on several of my credit cards and loan accounts. My score was lowered on one of them because my balance decreases XXXX points because on one of my credit card balances went from {$1.00} to {$2.00}. yes, just a dollar. I have superb payment history. There are many more examples of this. Please contact me. T
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX My Chase Freedom credit card was charged by Justfly.com twice for an unauthorized use. I called Chase Fraud department to report the unauthorized use and they put a temporary charge back on my card. 2 months later, Chase sent me a letter saying that they put the charges back to my card since they have deemed the charge as legitimate. My authorized user and I did not access XXXX website due to previous problems with the company so how can they say that the charge was legitimate. 

Also, upon trying to contact XXXX, their phone numbers are all automated which require a reservation number. Because I didn't use their services, I'm not able to bypass the automated call and speak with a real person about the charge. 

Around XXXX of 2022, I already had to dispute a charge connected to Justfly.com and I ended up having to complete the payment due to the dispute department saying that I am responsible for the charges. Because I did not want to have to deal with the problem any longer, I just paid for it in full. My mistake was I did not change my credit card number which may be the reason why XXXX was able to make a new charge in XXXX. 


Now that I have received the letter from Chase that I was charged back for the unauthorized use of my credit card, I contacted Chase fraud department again to escalate the issue asking how I they decided that my charge was legitimate. The associate I spoke with said that the merchant told them that it was my authorized user that made the purchase. I verified with my authorized user and she told me that she had not had any contact with XXXX since our bad experience with them in XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I send supporting documents because am a victim of XXXX XXXX and send all documents to verified my disputed .i was told by Experian that my documents was not authentic and all negative accounts will remain on my credit profile .i send even laws to back up my dispute and was still denied.
Consumer complaint received 2024-09-06
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. (CA)

I have been a victim of identity theft I filed a police report and a FTC report as well. It is XXXX accounts on my credit report that have been open fraudulently the first account is with a company named " XXXX XXXX '' and another one with " XXXX XXXX '' and also " XXXX XXXX '' I have never opened any accounts with them, and it is clear that someone fraudulently opened these in my name without my consent. I have contacted the company and the Credit Bureaus but they have not been helpful in resolving this matter.
Consumer complaint received 2023-12-04
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-09-06
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. (OH)

These credit bureaus have repeatedly failed to maintain accurate records on my credit report, despite my numerous efforts to have the inaccuracies corrected. This letter outlines the specific violations of my rights under the FCRA that have caused me significant financial and emotional harm.Incorrect Names and Personal Information ( Violation of 15 U.S.C. 1681e ( b ) ) 2. Failure to Remove Fraudulent Accounts ( Violation of 15 U.S.C. 1681i ( a ) ) Despite filing multiple disputes, the credit bureaus have refused to remove fraudulent accounts that were opened in my name without my authorization. This failure to investigate and correct these inaccuracies within a reasonable time is a violation of 15 U.S.C. 1681i ( a ), which requires credit bureaus to reinvestigate disputed information in a timely manner. Inaccurate Reporting of Collections ( Violation of 15 U.S.C. 1681e ( b ) ) The credit bureaus are reporting several fraudulent collections accounts on my report that do not belong to me. This is a violation of 15 U.S.C. 1681e ( b ), which mandates that credit bureaus ensure the accuracy of the information they report. Failure to Remove Fraudulent Bankruptcy Filing ( Violation of 15 U.S.C. 1681c ) The credit bureaus have also failed to remove a fraudulent XXXX XXXX Bankruptcy listing that does not belong to me. This bankruptcy is causing severe damage to my creditworthiness and violates 15 U.S.C. 1681c, which governs the reporting of public records and the obligation to remove incorrect information.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-04
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. (MO)

This is the 2nd complaint closed by experian today and once again experian stole NOW 18 months of on time never late payments to XXXX and refuse to give them back and once again sends a explanation that has absolutely nothing to do with the issue
Consumer complaint received 2024-02-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (AL)

I opened an account with One Main Financial around XX/XX/XXXX. I did not ask for an auto loan but I the Loan Officer insisted that I add a vehicle for more money. When I had trouble paying my loan I it was modified. The terms were changed. I was told my payments had been lowered from {$730.00} per month to {$500.00} per month. They told me that they were saving me money. Since that time, when I have been late with my payment they have offered the option to pay the interest only portion and add the payment to the end of the loan. I was shocked to learn in XXXX of XXXX that my Loan Payoff was XXXX of XXXX.I refused to pay the interest only after that. I was asked to do it in XX/XX/XXXX and I declined. I received a letter dated XX/XX/XXXX saying that One Main Financial made changes to my loan. They took my {$500.00} payment and only paid the interest on my loan. I notified them in writing on XX/XX/XXXX to REMOVE this add-on and provide statements and documentation on my entire loan. They have not responded.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 USC 1681 e ( b ) Accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure then 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 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 the item of the information from the file of the consumer, or modify that the item of information, as appropriate based on the results of the reinvestigation, an ( ii ) promptly notify the furnisher of that information that has been deleted or modified from the file of the consumer.

Please remove the following items from my report.
Consumer complaint received 2024-09-06
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. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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