davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Issue : Inaccurate Information on Credit Report I am writing to file a formal complaint against ALL IN FCU regarding inaccurate information being reported on my credit reports with Experian and XXXX. Despite my efforts to resolve these inaccuracies directly with the credit bureaus and the creditor, the issues persist and are significantly affecting my creditworthiness. The details of the inaccuracies are as follows : Experian Report : The account is listed as 30 days past due for three consecutive months from XX/XX/XXXX to XX/XX/XXXX, and again in XX/XX/XXXX and XX/XX/XXXX. 
The account is erroneously listed as 180 days past due for six consecutive months from XX/XX/XXXX to XX/XX/XXXX. It is impossible for an account to be 180 days past due for six consecutive months. 
XXXX Report : The payment history indicates that the account was 120 days past due beginning in XX/XX/XXXX, which contradicts the information reported by Experian. 
These inconsistencies highlight that the information reported by ALL IN XXXX is not only inaccurate but also misleading. Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair credit reporting. The continued reporting of this erroneous information violates sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, which mandate the accuracy and completeness of information provided to consumer reporting agencies. 

Also the expected date to be removed is different on each report which shows evidence of re-aging and inaccurate information Impact : The inaccurate reporting of my payment history and the inconsistency between credit bureaus have caused substantial harm to my credit score, affecting my ability to obtain credit under favorable terms. 

Attempts to Resolve : I have disputed these inaccuracies with both Experian and XXXX, providing documentation to support my claims. However, the disputes have not resulted in the necessary corrections, and the inaccurate information remains on my credit reports. 

Requested Resolution : I am requesting that the CFPB investigate this matter and ensure that ALL IN XXXX deletes the inaccurate information from my credit reports. If the inaccuracies can not be verified, I request the complete removal of this account from all credit reporting agencies.
Consumer complaint received 2024-05-30
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 submitted this complaint to remove this suspicious information. 3 Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

The charge card company XXXX or " XXXX '' as stated on my credit reports refused to respond to the numerous request sent in to them by the credit bureaus on my behalf. I used my XXXX XXXX charge card one time in the total of {$1600.00} and promptly paid the balance off in full. Seeing though I am in the market to purchase a vehicle for XXXX XXXX I need the decrease in credit utilization to give my scores a huge boost so that I can secure the financing for said vehicle. However, when I called in to XXXX on the XXXX of XXXX to ask why haven't they responded to my disputes to update my account, I was told that due to the company 's protocol of updating account information, they will not honor my request to XXXX out my balance before the XXXX are up and since my account is updated once a month on the XXXX, that I would have to wait until the XXXX of XXXX to see that payment reflected. I found this to be quite strange and annoying seeing as any negative information that happens with my account would be reported and updated immediately, plus I never been told by a creditor that they will not respond to a dispute opened by the credit reporting agencies. I was given a XXXX balance letter by one of the reps but, they must've known that the letter is futile if the company doesn't respond to the dispute because that is exactly what Experian XXXX and XXXX told me. Basically the XXXX balance statement is worthless.This has cause me great XXXX and many XXXX XXXX. I've been denied loans lines of credit and many other things due to my utilization being too high and mostly from this one account.
Consumer complaint received 2024-05-29
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 found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-29
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)

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, has violated my rights. 

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.

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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

You are being unfair and inequitable! I have received and reviewed a copy of my updated credit report and to my surprise you are still reporting an error and mistake. I am a little bit worried because as you are furnishing this information on my credit report I am also struggling to open a new line of credit. Im quite surprised as you are reporting this information because in the first place I have never given anyone from your company to furnish this information on my credit report.
Consumer complaint received 2024-05-30
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Subject : Dispute of Inaccurate Reporting of My Information - Violation of Fair Credit Reporting Act To Whom It May Concern, I am writing this letter to formally dispute the accuracy of the information being reported by your agency regarding my credit history, specifically with regard to XXXX XXXX XXXX XXXX, as it pertains to Account number : XXXX and Account number : XXXX. It has come to my attention that you have been reporting information related to these accounts without my consent, and I believe that this action directly violates the Fair Credit Reporting Act ( FCRA ). 

The FCRA, under 15 USC 1681b, clearly outlines the permissible purposes for which consumer reporting agencies may furnish credit information. It is my firm belief that your actions in reporting my information without my consent are in direct violation of this statute. 

Moreover, I wish to bring to your attention several other sections of the FCRA that have been violated by your agency 's actions. According to 15 USC 1681 SECTION 602, I have the right to privacy concerning my credit information, and your actions have compromised this fundamental right.

Furthermore, 15 USC 1681 SECTION 604 A SECTION 2 explicitly states that a consumer reporting agency can not furnish information about an account without the consumer 's written instruction. I have never provided such instruction for the accounts in question, and yet you have reported them without my consent. 

Additionally, 15 USC 1666B establishes that a creditor, in this case, XXXX XXXX XXXX XXXX, may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I request that you ensure that " ALL '' late payments associated with the accounts mentioned be updated to " Paid as Agreed Never Late ( PAANL ) '' immediately, in accordance with this statute. 

In light of these violations of the FCRA, I kindly request that you take the necessary steps to correct this inaccurate reporting and update the information associated with Account number : XXXX and Account number : XXXX to reflect my true credit history. It is my right as a consumer to have accurate and up-to-date information on my credit report. 

I am providing you with this written notice as per my rights under the FCRA, and I expect you to conduct a thorough investigation into this matter and the method you use to verify. I also request that you promptly inform me in writing of the results of your investigation. 

Please be advised that I take my rights under the FCRA seriously, and I am prepared to take further action to protect those rights if necessary. I trust that you will address this matter promptly and in accordance with the law.
Consumer complaint received 2024-05-30
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. (CO)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-29
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. (NJ)

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. 
XXXX 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 XXXXXX/XX/year>
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NV)

On XX/XX/XXXX Comenity Capital Bank closed my credit card account that I have through XXXX XXXX XXXX XXXX . I called them Today XX/XX/XXXX after getting notification via my XXXX credit report that the account was closed and spoke with them about re-opening the account and was told it was possible by one representative due to it not being closed more than XXXX days. Our call was disconnected and I called back and the next representative that I spoke with told me that it was not possible to re-open and that My account was closed by the bank due to inactivity, however my credit report states it was closed at my request. XXXX stated that they sent me a letter which I did not receive due to me being out of town and helping my mom who has XXXX so I was unware that this was going to take place. XXXX was the last time the card was used and it was due to XXXX reason for me not using the card due to spread of the virus through contact of items etc I was afraid to even order anything or shop in store.
Consumer complaint received 2024-05-29
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)

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. 

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.

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 2022-01-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP (GA)

On XX/XX/XXXX XXXX at XXXX XXXX  I get a call from a XXXX XXXX  out of XXXX XXXX Florida saying Ive been approved for a loan of XXXX dollars they asked for my last four digits of my ss number after I tell them this they tell me to get the loan I needed to make a payment of XXXX a one time payment to insure the loan amount I told them I wouldnt pay it that this is a scam they laugh very loud and hung up on me their phone number is XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to note these items were in dispute within 30 days now these items are in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance Owed : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX OF ) XXXX Balance Owed : {$560.00}
Consumer complaint received 2023-03-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (PA)

PayPal Credit double charged my auto-pay of {$300.00} in XXXX, first as scheduled on XX/XX/XXXX, and then once again on XX/XX/XXXX, even though I only had {$91.00} left on my credit line after the authorized payment. When I called to correct this, they said they would fix it and I would not be charged any fees. Later, I found out that PayPal Credit decided to reject the original auto-pay that was on time, and accept the duplicate charge on the XXXX that would have been late ( had they not already been holding my {$300.00} ). They tried to apply a late charge of {$29.00}, even though their duplicate transaction left them holding {$200.00} of OVERPAYMENT above my remaining balance for more than a week. When I called and complained, they waived their late fee. But that is not the end of the story Because my PayPal account is no longer working due to the issues with the duplicate payment, I asked on the same call to simply pay off my remaining balance of {$91.00} with a debit card to zero out my account. I asked if there would be a fee associated with the debit card payment. The customer service associate said no there would not be. I just received a statement today that claims my balance is now {$10.00}. PayPal Credit applied a pay by phone fee that was not disclosed anywhere I could find, and certainly was not mentioned on the call. At this point, I assume that theyre bent on extracting some sort of fee from me, and am tired of spending time on the phone with them trying to resolve these issues that are entirely of their making.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223.

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties.

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-29
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. (NJ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-08
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: EQUIFAX, INC. (AZ)

There's an account from XXXX XXXX XXXX that is reporting as an unsecured loan to my credit report which I never received from them. Equifax is reporting this loan despite the many disputes and fraud packet that I have sent to clarify that this is a fraudulent account. XXXX  has deleted the account for fraud before but has now re-inserted the information back to my credit report. Both CRA state that they received information from XXXX XXXX XXXX which says that the loan is mine but refuse to forward the information to me the consumer. XXXX XXXX XXXX does not have any promissory note for me with my signature for a loan. Also, a fraudulent address is on my credit report and both Equifax and XXXX won't remove the fraudulent address from my credit report.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This is my another attempt to dispute the items in my credit file which resulted from a faulty credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an incorrect credit report information, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : Experian XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX  XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$23000.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : {$5100.00} XXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX  Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXXXXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$5100.00} XXXXXXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.