davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-10-18
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: LEXISNEXIS (NM)

Incorrect credit reporting information and denial of consumer credit type of transaction and misuse of credit and lied to me and said I must give my social to receive services and thats not true see privacy act 1974 also collections department disregard UCC 3-603. Due diligence not done credit report is not equitable and fair. Not able to obtain credit for automobile despite being XXXX XXXX. How does that credit work again? Are we not entitled obtain loans because was denied credit due to billing errors and payments refused by credit union and dont bother referring me back to NCUA
Consumer complaint received 2024-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (TX)

On XX/XX/XXXX I received a credit report for a debt collection from XXXX, from a debt that was sold to ability recovery services from XXXX XXXX XXXX. 

1. I  visited XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX which all was supposed to be paid for by the state of texas, from my understanding. Which is why I was offered a bed to stay. 
2. I am completely unaware of this collection or debt. 
3. I have lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX since XX/XX/XXXX and have yet to recieve 1 piece of mail from either XXXX XXXX XXXX or ability recovery services. Since I have lived here, nor have I been contacted by email or phone. 
My email is XXXX My cell is XXXX Here I am 4 years later on a debt Ive never received the first bill or balance for being reported for my credit for being a month late in collections.
Consumer complaint received 2023-12-05
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 contacted XXXX, XXXX, and experian over 6 months ago and never received any update to my about my credit file. these companies continued to report fraudulent activities to my account without the proper authorization 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-12-05
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)

ON XX/XX/XXXX I CALLED XXXX AN REPORTED THAT MY XXXXXXXX LOANS ARE PAID IN FULL, I WAS ADVISED TO UPLOAD A COPY OF M CREDIT REPORT SHOWING THE LOANS STILL SHOWED A OUTSTANDIN BALANCE, I WAS ALSO INFORMED BY THE CUSTOMER SERVICE REP THAT MY LOANS HASNT BEEN REPORT TO THE CREDIT BUREAUS SINCE XX/XX/2023. I LATER RECIEVED A LETTER FROM XXXX STATING THEY DID AN INVESTIGATION AND THEY VEFIED THE INFORAMTION WAS ACCURRATE. IM ASSUMING THE INVESTIGTION WASNT PROPERLY CONSIDERED AND WAS UPDATED BY A COMPUTER INSTAED OF A PERSON. BECAUSE THE RESULTS WOULDVE BEEN DIFFERENT.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Account number on statement postmarked XX/XX/2023 reflects account ending XXXX while both I and XXXX have on file account ending XXXX. As I attempt to settle this account I have received numerous notifications that there is still activity on this account. XXXX does not work to verify account in automated phone system while XXXX does. Bank of America will not grant me access to online portal. Very fishy.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are charge off accounts that are being reported on my consumer reports that are in violation of the fair credit reporting act as the reported information is inaccurate, incomplete, and unverifiable. See attached. I demand that these accounts are deleted promptly as stated in section 611 of the FCRA
Consumer complaint received 2023-12-05
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. (OK)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX  Balance : {$480.00} XXXXXXXX XXXX XXXX  Balance : {$480.00}
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question. 
I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life eventthe purchase of our family home. I appreciate your immediate action in resolving these discrepancies.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards
Consumer complaint received 2023-12-05
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)

I am writing to formally dispute the accuracy of information contained in my consumer report issued by your agency. I recently obtained a copy of my consumer report and discovered that non-public information has been disclosed about me to a non-affiliated third party without my written consent. This practice is in direct violation of 15 USC 6802, which outlines obligations regarding the disclosure of personal information. 

Upon reviewing my consumer report, I noted that there are accounts, specifically XXXX XXXX  XXXX XXXX Account Numbers XXXX and account number XXXX, Also XXXX XXXX XXXX XXXX Inquiry XX/XX/2023 listed without my written consent. As per 15 USC 1681b - Permissible Purpose, I have not provided authorization for the reporting of this personal information. This lack of consent not only violates my privacy rights but also raises concerns about identity theft, as outlined in 18 USC 1028a.

I want to bring to your attention that I have already filed a report with the Federal Trade Commission, and my reference number is XXXX. I expect this matter to be treated with the utmost urgency and seriousness. 

Furthermore, I was not provided with the option to opt out of the items being reported, as is my right under the law. I request that you provide proof of offering me the opportunity to opt out, as required by law. 

In accordance with 15 USC 1681c-2, I demand that the following accounts, XXXX XXXX XXXX XXXX Account Numbers XXXX ( Account Type- Auto Loan ) and XXXX XXXX  XXXX XXXX Account Numbers XXXX  ( Account Type -Credit Card ) and Credit Inquiries XXXX XXXX XXXX XXXX XX/XX/2023, be removed from my consumer report immediately. I emphasize that my dispute is not with the creditor but with your reporting agency for not obtaining proper written consent and failing to provide an opt-out option. 

I expect these accounts to be removed within XXXX business days of receiving this letter, in compliance with the timeframes specified under 15 USC 1681c-2. Additionally, I request that your agency remove these accounts without invoking the method of verification, as the reporting was done without proper consent.

Failure to comply with this request may result in further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). I am confident that your agency will handle this matter promptly and in accordance with applicable laws and regulations. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-12-05
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-12-05
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)

XXXX monitors illegal internet sites on the dark web and notifies me if a match to my personal information is detected. Unfortunately, my Social Security number ( SSN ) has been found on the dark web. 

It XXXX not mean I was a victim of identity theft. However, identity thieves can use my SSN in a variety of ways including to apply for credit in my name, file a fake tax return or obtain medical care. It can also be used to steal Social Security or unemployment benefits or provided to law enforcement in connection with a crime. 
Additional Info Details First Name : XXXX Last Name : XXXX XXXX : CA Zip : XXXX Phone Number : ( XXXX ) XXXX Social Security Number***-**-**** DL Number******** DL State : CA Potential Site : XXXX XXXX BREACH OCCURRED IN XXXX, XXXX Records Found On XX/XX/XXXX D.O.B. : XXXX. FOUND Found WithSOCIAL SECURITY NUMBER. I have contacted XXXX fraud department and was made aware of the 5 numbers listed under my name, none of which I have had direct access to only one was active. 

XXXX XXXX fraud department these are not active but were in the past. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-05
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-05
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I checked my consumer report on XX/XX/XXXX and I still see inaccurate information according to 15 USC 1681 on these accounts : 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 is stated on the XXXX verified report which is wrong.

I have everything attached showing all the inaccuracies and also attached the verification letters from XXXX and XXXX. Experian never respond to any of my letters that i sent out. Everything is documented on this portal so you ( CFPB ) does have all the evidence. 
I asked the CREDIT BEAURUES for the METHOD OF VERIFICATION on XXXX XXXX for those accounts but the CREDIT BEAURUES never responded to me.
Consumer complaint received 2024-09-06
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 account was charged off on the following date ( XXXX XXXX  OF CHARGE OFF ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-05
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. (SC)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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!