davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have requested information from the creditor of XXXX XXXX XXXX. They have sent me a letter which I will attach. The information on the letter did not match the account information on my credit report. I have submitted a dispute with the credit bureau with the appropriate documentation to have this item removed from my credit file. This bureau then sent me an email with a statement from the Fair Credit Reporting Act stating that they could not follow up with my dispute because I had not given them a reason. So I added another document to the file under the Fair Credit Reporting Act stating that inaccurate reporting must be removed. Knowing that an account is being reported inaccurately but not doing the requirements to resolve this issue is a violation. They seem to try to follow the Fair Credit Reporting Act when it seems convenient for them, but neglect to follow the law when it comes to the consumer. After I had provided the information that they were seeking, they " resolved '' my disputed item as updated XXXX hours later, but nothing has been changed. This was in the email they sent me : XXXX XXXX XXXX, Pursuant to Section 611 ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate, for example : " not mine, '' " paid in full, '' " never late, '' " included in bankruptcy, '' incorrect name, etc.
Consumer complaint received 2024-06-17
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. (MA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a natural person, I am a living human being.

Equifax is governed by 15 USC 1681 and have continued to violate my rights. This company has also received action by CFPB for its fraudulent practices and misreporting of consumer information. Equifax continues to furnish this inaccurate and fraudulent information on my credit report. 

There is a fraudulent account from XXXX in the amount of $ XXXX that is misreported on my file. This account XXXX must be removed from my Credit report and Equifax held financially accountable for their false reporting of information.
Consumer complaint received 2024-06-17
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. (NJ)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (WA)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

On XX/XX/2023 Resurgent stated that a debt collector does not have an estimated time to validate the alleged debt that they claim I XXXX XXXX the original creditor owns. RESURGENT CAPITAL SERVICES L.P. is in violation of the FDCPA 15 USC 1692e False or misleading representations ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. I XXXX XXXX don't know if you are RESURGENT CAPITAL SERVICES L.P. or LVNV FUNDING. This also is a deceptive practice as it is misleading and a violation of the FDCPA Regulations. Debt collectors have a responsibility to operate within compliance of law otherwise 15 USC 1692k Civil Liability for willful noncompliance. The debt collection company have not acknowledged all of the questions within the debt validation letter. I XXXX XXXX have reason to believe that RESURGENT CAPITAL SERVICES/LVNV FUNDING are unable to answer all of the debt validation questions asked in the letter sent initially because it may expose the compliance of the company. As you say to consumers. Your silence is assumed. Your silence is of the acquiescence. I XXXX XXXX also want you to know that I am aware of the arbitration agreement of XXXX XXXX XXXX. If LVNV FUNDING bought the debt you are liable to be arbitrated against since you now own XXXX XXXX XXXX agreement. Arbitration will be costly for both parties, but even more costly for LVNV FUNDING LLC
Consumer complaint received 2022-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

My name is XXXX XXXX XXXX with XXXX XXXX # XXXXXXXX XXXX XXXX, and my sister XXXX XXXX with XXXX XXXX # XXXX, XXXX XXXX XXXX. We bought a XXXX XXXX XXXX car on the day XXXX/XXXX/XXXX, in the XXXX  dealership # XXXX, located On XXXX XXXX XXXX, XXXX, NY XXXX. The purchase of the car was for the sum of $ XXXX financing of {$3900.00}, for a total of {$28000.00}. The contract was made for XXXX payments of {$390.00}, my last payment was made on XX/XX/XXXX, with this last payment, I completed XXXX payments for the amount of {$29000.00}. I called many times to solve this problem, and then, they always change their arguments.They state that I have not send my payments for XXXX and XX/XX/XXXX. I have copies of the payments in my bank account. Later they stated that XXXX  payments had been removed, because I requested XXXX  payments extension due to the Covic 19 pandemic, which is false, I only requested XXXX extension in XXXX and XX/XX/XXXX, they stated that perhaps my sister called for those extensions. Which is false, because my sister does not understand about these procedures. Many times I have called to make an appointment at a XXXX XXXX XXXX office, they tell me that they do not have offices for these case in NY, and what is reflected in the computer is my debit of {$1600.00}. On the invoice of XX/XX/XXXX, there were XXXX payments that I owed, and the total payments was XXXX, after I protested because there were XXXX payments, if in my contract was for XXXX, the following month XX/XX/XXXX, they reduced it to XXXX payments and now still owed {$1600.00}. Please I need an investigacin in my case. Thank you very much. God Bless You
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-17
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. (NC)

I recently review my credit report and noticed a account that was not reported accurately. I had two late payments on an account that i in fact paid on time. the consumer reporting agencies have need to report my information with complete and accurate. I am now requesting an investigation to provide verifiable proof that the records showing that i had late payments. If this information can not be verified then i demand that this payment be paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (IL)

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 2024-06-17
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. (NY)

Experian IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING Experian ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

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 2024-06-17
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: Experian Information Solutions Inc. (GA)

Today, I had found out that the accounts I want to correct previously on my dispute remains on my credit file and appeared as late with delayed payment also I want to seek an assistance from you in deleting these charge of or late closed that such an erroneous accounts. However, I want to correct the late open accounts and remove the late closed and charge off accounts immediately with your help. Please find the required documents to assist in the correction or deletion of the erroneous information which are being posted on my credit file. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of these accounts after this attempts is unacceptable and reflects gross negligence. For this unresolve issue. I am pleased to ask an immediate help from you to correct the late open and remove the late closed and charge off as soon as possible : XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$680.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2024-06-17
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)

On XX/XX/XXXX of XXXX Experian verified and an validated this XXXX XXXX XXXX account XXXX after reinvestigation. Experian failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates usc 1681 c-1 c-2, and 1681 I. Furthermore This account after reinvestigation is still reporting inaccuracies which I provided proof of these fraudulent inaccuracies. There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit Experian had more than enough time to correct this which they failed to do so violating my consumer rights
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I am filing this complaint due to unresolved inaccuracies in my credit report involving American Express, as reported to XXXX. These inaccuracies relate to the reporting of account statuses, balances, and other critical credit information that do not accurately reflect my credit history. 

Issue XXXX : I discovered these inaccuracies upon reviewing my credit report from XXXX on XX/XX/2023. 
Initial Action : A formal dispute letter was sent to American Express on XX/XX/2023, challenging the reported information. The letter specifically questioned the accuracy of account statuses, the balance owed, the date the account was opened, and the date of last reporting. 
Request for Proof : In the dispute letter, I requested American Express to provide factual proof of the alleged delinquencies, in compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 
Discrepancies Noted : The disputed issues include inconsistencies in the reported balance and account status for the periods of XX/XX/2023 and XX/XX/2023. 
Response from American Express : As of today, XX/XX/2023, American Express has not provided a satisfactory response or resolution to the issues raised. 
Impact of Inaccuracies : These inaccuracies are negatively impacting my credit score and financial opportunities, causing undue stress and potential financial loss. 
Resolution Attempts : Despite multiple attempts to rectify these inaccuracies directly with American Express and a 30-day window given for investigation and correction, the issue remains unresolved. 
I seek the CFPB 's assistance in ensuring accurate reporting of my credit information by American Express and the correction of any errors, in line with the FCRA requirements. The failure to resolve these inaccuracies has had significant negative consequences on my financial standing.
Consumer complaint received 2024-06-17
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 am writing to you today to once again dispute the accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the banks and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

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 2024-06-17
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX "
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (TN)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXXXXXX
Consumer complaint received 2024-06-17
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. (NY)

Experian IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING Experian ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-06-17
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)

XXXX  XXXX XXXX XXXX is NOT reporting immediately the changes to my account when the Balance is lower than the previous statement or previous month. But when I am using the available credit and when it increases in any given Week, XXXX XXXX Credit card immediately reports the same to the Credit Bureaus. 

I tried calling the XXXX XXXX customer service several times previously but they said it takes around 60 days, that is TWO BILLING cycles for the reduced amount to reflect in the Credit reports. 

But how come the increase in the usage of the available Credit card balance is reported immediately to the Credit bureaus? This is fraudulent and purposeful misrepresentation of Consumer information to the Credit Bureaus which ultimately harms the Consumers with credit score not increasing and a blockage in getting further credits or loans or better interest and credit terms. 

When I called the XXXX XXXX about another issue, the Customer support supervisor warned me that my Credit card ending in XXXX is not current and under Risk of being initiated some negative actions by the XXXX  XXXX. I had recently disputed the account balance with XXXX vide request XXXX through the XXXX XXXX XXXX This is how the Consumers are warned of if they report the matter to law enforcement authorities or the Credit Bureaus. It's a real case of tyranny and against the XXXX principals of USA. 

Also, I have an Auto Loan with XXXX XXXX and the outstanding balance are not at all updated as and when the Principal amount reduces. 

I request that CFPB take immediate action against these unscrupulous Banks and order them to pay the Consumers adequate financial compensation for all the misery and agonies with the so called system of Credit reports. It's nothing but an open CORRUPTION WHICH IS KILLING THE DEMOCRACY OF THE NATION.

There is no doubt about the Tie up of Credit Card issuers and the Credit Bureaus which could lead to a Bad faith complaint under Anti Trust law. The fraudulent Tie-up of the Loan providers with the Credit Bureaus needs an indepth Investigation by the FTC and CFPB, being a watch dog of Financial services in USA.