davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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)

Account Number # XXXXJoint Installment Loan from XXXX XXXX XXXX XXXX XXXX XXXX. Source of dispute information : The attached report from XXXX has the account balance, dates and payment history listed inaccurately. 

XXXXType of disputed information : the debt listed is not accurate, it does not reflect a complete accurate record of payment history or amounts XXXXDates associated with item being disputed : loan became 30 days late as of XX/XX/XXXX but is reported incorrectly, on several credit bureaus. 

XXXXExplanation of item being disputed : My reports inaccurately lists past payment activity, incomplete payment history and I am unable to reach any agreement with this creditor. 

XXXXThe creditor refuses to provide any more details or information about the closed installment loan # XXXX from XXXX XXXX XXXX XXXX XXXX I have sent a debt verification letter certified mail, they answered with a few documents, but not what was asked of them, So next, I sent them a Dispute Letter, they only resent the same information they provided prior. 

XXXXThey have not provided proof and explanations of ALL fees, reversals, chargebacks associated with this account and only sent me a document without no further explanation of said fees, and reversals. They do not SHOW up on my bank statements at all XXXX XXXX. So XXXX said all reversals or ( chargebacks inquire fees it should be there ) It's not, which is fraudulence and bad business tactics to get more money from us. I tried everything I called to no avail they keep damaging my credit reports this account is over 7 years debt XX/XX/XXXX. 

I want it DELETED from all credit reports this is affecting me and my husband livelihood. 

I am in the process of purchasing a home as I nor my husband XXXX XXXX can get approved because of XXXX. Their tactics are unethical and flat out deceptive. 

Please HELP US my score was in the low 500 's, Now in the mid 600 '' s. I have worked so hard to be able to correct my past mistakes especially since this was during the year of XXXX, we both lost our fathers due to XXXX, our car and businesses due to the pandemic! 
Please publish this so no one else goes through what we have experienced with XXXX  they are the WORST company to do business with.
Consumer complaint received 2024-07-10
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. (OH)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-07-10
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-10
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. (IN)

I am deeply concerned that your company did not conduct a thorough and proper investigation into my dispute. It is evident that there has been a failure to adequately investigate and update the status of this account. This oversight has had a detrimental impact on my ability to secure credit, which is why I am invoking my rights under the Fair Credit Reporting Act ( FCRA ).

As per the FCRA, accounts that can not be positively verified must be promptly updated. If you are unable to provide me with verifiable proof within the stipulated time frame, it is incumbent upon you to update this account. Under federal law, you are obligated to complete your re-investigation within thirty ( 30 ) days.

Furthermore, I request that you provide a detailed description of the procedure used to determine the accuracy and completeness of the information, to be furnished within fifteen ( 15 ) days of the conclusion of your re-investigation. 
I firmly demand that this account be updated without delay in compliance with the FCRA and federal law to rectify the harm it has caused to my credit profile.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My credit was marked as late in the month of XX/XX/2023, as I stated in the previous CFPB complaints when asked to speak with a supervisor no one is available. Each agent I spoke with regarding my credit reporting has told me it was accurate. XXXXXXXX XXXX doesn't not allow you to make a payment without paying fee which is UDAP volitation, none of my notices signed at closing or my promissory note state I must pay my late fee to make a payment. I spoke with my lender who confirmed also its not required. It's an Unfair, Deceptive, and Abusive use of power to get customers to pay fee or not a payment. I recently attempted to speak with a supervisor when they returned my call after receiving regarding this matter, he advised me that I was on certified funds block due to NSFs. I asked for proof because I've never had a return check with XXXX XXXX regarding my payments.
Consumer complaint received 2024-07-10
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-10
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)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-27
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. (KS)

I recently received the results of my credit dispute investigation. I noticed that some accounts were verified, and I have several questions regarding the investigation process and the updates made to my credit report. 

What did you update? 

What did you modify? 

Did you really investigate my accounts? 

Additionally, I request the following information for each verified account : Account Name : XXXX XXXX  Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2 Account Name : XXXX XXXX Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per XXXX Code 15 USC 1681, 15 USC 1681-2 Account Name : XXXX XXXX Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681 XXXX 15 USC 1681-2 Account Name XXXX XXXX Date of Verification : XX/XX/XXXX & XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2 Account Name : XXXX Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (MI)

I'm a natural person my name is XXXX XXXX the credit bureau validated my rights they not doing a full investigation after disputing items multiple time they validating my rights and privacy if they don't remove these accounts its going to be major problems. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2024-07-24
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. (CA)

This is in response to a complaint about a credit card on my credit report from XXXX  XXXX. 

They reported that the item had been REMOVED from my credit reports, but it has not from EQUIFAX. 

As of yesterday the trade line re appeared on my credit report. 

I reported this several times already. 

That is the reason that I am re submitting my complaint.
Consumer complaint received 2024-07-10
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 am writing to bring to your attention an issue with my credit report. Upon reviewing my recent credit report, I noticed that my auto loan is not being reported on my files with your bureau. 

Details of the auto loan are as follows : Lender : XXXX XXXX, XXXX Loan Account Number : XXXX Loan Amount : {$45000.00} Date of Loan : XX/XX/year> Date Paid in Full : XX/XX/year> I have attached documents from the lender that provide proof of the auto loan and confirm that it has been paid in full. These documents include the loan agreement and a letter from the lender confirming the final payment. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. The absence of this auto loan from my credit report is a matter of concern as it does not accurately reflect my credit history and may affect my creditworthiness. Under the FCRA, I have the right to dispute incomplete or inaccurate information in my credit report, and you are required to investigate my dispute within 30 days of receipt. 

I kindly request that you update my credit report to include the details of this auto loan. Please confirm receipt of this letter and the supporting documents, and inform me of the steps you will take to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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. (MS)

i checked my credit report and i don't recognize the things listed on the report i was also in packed by the date XXXX so can the list below please be removed from my report account with regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and the inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (TN)

Equifax is violating my fcra rule 15 USC 1681 c-2 rights by refusing to block reported identity theft information from my credit report Equifax is requesting that I provide them with proof of my identity and verifiable address. On XX/XX/XXXX Equifax mail me two letters to my home address of XXXX XXXX XXXX XXXX XXXX XXXX home address stating they need proof of my identity and that my address did not match the information on their credit file I am disputing this information I will provide a copy of my credit report from Equifax dated XX/XX/XXXX that shows my current correct home address of XXXX XXXX XXXX XXXX XXXX XXXX on Equifax credit file I will also provide cfbp case number XXXX from an Equifax dispute stating that Equifax request that I provide them with legal documentation that provides or show identity theft documentation in order for them to remove inaccurate information public record. I am also disputing other fraudulent identity theft information for my credit report which is XXXX XXXX XXXX account number XXXX the amount {$430.00} and the bankruptcy dated XX/XX/XXXX reference number XXXX should be removed I am providing in this complaint a copy of my court order judgment of vacating the fraudulent bankruptcy my FTC identity theft report my police report a copy of my driver 's license and social Security card Equifax has intentionally ignored supporting documentation and my FCRA Rights and Guidelines in effectively follow FCRA Guidelines and Non Compliant in handling my consumer credit report. I am taking the necessary action in pursuing a lawsuit against Equifax.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX took over the loan from XXXX XXXX, they lied and said they were servicing the account however, XXXX XXXX XXXX closed on my credit report and XXXX  is now listed. XXXX then closed and reopened the account dropping my credit score by over 50 points.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Student loan accounts are reporting on my credit report for all three bureaus have past the 7 year mark and should be deleted as The Fair Credit Reporting Act ( FCRA ) of 1970 requires credit reporting agencies to remove negative information from a person 's credit report after seven years. 


There are 11 student loan accounts that are all reporting on my credit profile reports. All of them show DEPTOFEDXXXX XXXX XXXXXXXX. 

I have stated several times this debt is NOT MINE, with no success. My only option was to wait for the debt to age off which it has at this point. 

I am requesting all of these accounts be removed immediately. 

I have made this request to the company ( XXXXXXXX ) and to the credit reporting agencies however these outdated accounts which do not belong to me still remain on my report.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I noticed several addresses that were not correct on my credit report Experian XXXX XXXX all can not provide proof I ever lived at that address I demand immediate removal. Or I will seek commercial liens against all 3 bureaus for violating fcra 15 usc1681 and violating 18 usc 242. I have recordings of Experian bypassing fcra. With blatant refusal. All 3 bureaus are acting as cabal in concert to keep poor consumers in bad situations.. and I will not settle for anything less than the max. There is inaccurate information and I do have a fraud alert on my account... I will be sending each agency a Notice of intent to lein if not removed immediately.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AutoNation Enterprises Incorporated (AZ)

My consumer rights are being violated and thats against the law I did not give consent/permission for my information to be reported on my credit report and want it removed and deleted immediately under FCRA 15 USC 6802 As this is hurting my reputation life liberty and pursuit of happiness