davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have been trying to get my report updated with only accurate information for the last few years and I am still battling against these reporting agencies. I recently submitted yet again my 3rd written request to Experian, XXXX XXXX and XXXX to have the incorrect information updated and or removed from my credit report. To date it still hasn't been resolved.. The information these agencies have been furnishing has been inaccurate and has impacted my score negatively even though I have many accounts that are all paid as agreed and never late, the negative information has significantly dropped my score and prevented me from being able to get a car, qualify for a Home Equity agreement not to mention countless opportunities to help to further my business and take care of my family. 15 USC Code 1681s-2 ( A ) 1- States " 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. In addition 15 USC 1681e says " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports for the purposes listed under section 1681b of this title.

I have researched diligently and according to the FCRA 15 USC 1681 602 which says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ''. XXXX XXXX, Experian and XXXX are consumer reporting agencies and I am the consumer. I do have the right to protect my private information and make sure its not shared. This is backed also by 15 USC 6801. This states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information ''. Furnisher of information to credit agencies is a financial institution by definition under that title. Also 15 USC 1681 604 section 2 says " In general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. The financial institutions and the consumer reporting agencies, XXXX XXXX, XXXX and Experian do not have my written consent to furnish any information. You can see in the documentation I have requested to Opt out in writing several times. XXXX, XXXX and Experian are not maintaining reasonable procedures and are in violation of the FCRA.
Consumer complaint received 2024-05-31
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. (GA)

This is the filling of my complaint to EXPERIAN. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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 : DEPTEDXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquirie

s : 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 2024-07-17
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. (TX)

I am writing to express my deep concern and frustration regarding the ongoing issue with my credit report. Despite my numerous attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. Please help me correct the account : XXXX XXXX XXXXXXXX : {$100000.00}.
Consumer complaint received 2023-11-17
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. (MI)

i am writing to assert my rights and demand XXXX and consumer reporting agencies stop racketeering in attempt to extort me. i demand XXXX account be remvoved promptly along with all late payments on the report. XXXX has stolen my identity. I do not and have not ever consented or contracted with XXXX i have never consented to them sharing my information with anyone and this is a federal crime 18 usc 1028, 18 usc 1341. the supreme court has also ruled that XXXX is a debt collector meaning they are violating FDCPA. this is a misrepresentation and misleading. they have purchased my personal information which is also illegal discclosed my personal information which is also illegal. compromised my identity and privacy. this is a gross violation of my rights and will be treated as such. All claims by this false creditor are hearsay and could never be admissable in court. if XXXX doesn't want to be sued i highly suggest ease and desist. This is also a violation of MCPA, MICHIGAN PIPA, MCRA. this is also a breach of contract.Transactions and experiences are to be excluded from the report. 15 usc 1681a ( 2 ) a ( i ) the fees for these violation are around XXXX per set of violations. Im giving XXXX and the consumer reporting agencies 5 days to cure these infractions after which i will be charging XXXX for violations and lawyer fees. the date XX/XX/2023 XXXX
Consumer complaint received 2024-05-31
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. (NC)

I sent a letter on XX/XX/XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., 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 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
Consumer complaint received 2024-05-31
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. (DE)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2019-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CITIZENS FINANCIAL GROUP, INC. (IN)

I applied for an auto loan on XX/XX/2019 and received one through XXXX. I am not happy and have been having trouble ever since. The interest rate I received is the highest I have ever have, and I dont believe it was fairly done. Since day one I have been making payments greater than the amount due. I have called in several times, asking that the extra amount be put towards the payment and NOT towards the interests and yet it seems as if all my payments are still going straight towards the interest. I have also received statements where it shows on two occasions where a payment was posted then reversed, and reposted again. I am not happy with how the company is handling my account. I think I should be looking into refinancing with another company because I dont feel I am getting what I should be and my credit it high so I would understand a high interest rate for bad or low credit but mine is not.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

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 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I want to submit a complaint in my personal credit report information that is questionable. I was never late on these accounts. It has been deferred because I'm still in school. Also, how can it be 90 days late without first posting 30 or 60 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record in all accounts listed below : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-05-31
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. (TX)

This is my XXXX time reaching out to yall about these unverified accounts that are still hanging around on my credit report. Im talking about accounts that shouldnt even be there, violating 15 U.S.C. 1681. This is unacceptable, and we need to get it sorted out ASAP.

Now, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law to provide me with a detailed description of the procedure used to determine the accuracy and completeness of the information on my report. This includes the business name, address, and telephone number of any furnisher of information you contacted. And youve got 15 days to get this information to me thats the law! 

Last time, yall told me in writing that you " verified '' these items. Alright, but who exactly in your company did this verification? How did they verify it? I need the name, business address, and telephone number of the person or business you contacted during your reinvestigation. Plus, I need to see the documentation you used to verify this dispute. Show me the evidence! 

As of now, you have NOT provided me with any hard copy documentation showing that these accounts have been properly verified. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA, you are required to promptly DELETE all information that can not be verified. The law is crystal clear on this point. 

If you fail to comply, the Civil liability and remedies for " negligent noncompliance '' under Section 617 will be enforced. I am fully prepared to pursue litigation to protect my rights under the FCRA. 

I demand that the following accounts be deleted immediately : Name of Account XXXX XXXX XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX XXXX  Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX XXXX Account XXXX : XXXX XXXX  Status : Unverified Account Name of Account : XXXX XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX Account Number : XXXX XXXX Status : Unverified Account Name of Account : XXXX XXXX XXXX  Account Number : XXXX Status : Unverified Account Im expecting this matter to be resolved quickly. Lets get it deleted this time
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was written from a lady named XXXX XXXX  the house that I was living it was falling apart Places inspection was involved they came out to the house numerous of times I was told by my lawyer XXXX XXXX to put all money in XXXX  its a repairs of the house was fixed we didnt have to go to court XXXX XXXX your name is XXXX XXXX the judge ruled out that it would be settled in court as a satisfied judgment meaning I did not have to pay and there will be no evictions however XXXX XXXX Took it upon herself to put a eviction on my credit report when my lawyer reached out to him about that he then tried to put in a dispute on XX/XX/22 however the eviction still did not come off my credit I did reach out to TransUnion and TransUnion rental to let them know and I also submitted documentation that I have to TransUnion and TransUnion Rental they told me they are aware of the mistake however the eviction can not come off my credit Im not understanding why the eviction is not able to come off my credit when they see that its a mistake and I have documentation stating that its a mistake in an error I would like for this eviction to be removed off my credit as soon as possible when applying for a house or a mortgage the house and mortgage company can see that there is addiction not a judgment and not satisfied so I would like you guys to Take this mistakenly eviction off my credit report
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (CA)

Credit inquiries have been done under my name which I do not recognize, I only apply for applications physically and these inquiries seem to have been done online. I never gave these companies permission to pull up my credit report and it is extremely distressing that this happened, it's impacting my life and my credit negatively for I don't know what they could have done with it or use it for.
Consumer complaint received 2024-05-31
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. (MI)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-07-17
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. (VA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-31
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. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-28
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)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-05-31
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. (PR)

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 2024-05-31
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. (IN)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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