davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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)

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Immediate Removal of Late Payments from Credit Report The banking system relies heavily on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, while unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the system. Consumer reporting agencies play a vital role in gathering and evaluating consumer credit and other information. It is imperative to ensure that these agencies exercise their responsibilities with fairness, impartiality, and respect for consumers rights to privacy. 

15 U.S. Code 1666b - Timing of Payments A creditor may not classify a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I have the right to privacy. This is further supported by the Privacy Act of 1974, as outlined in 5 U.S. Code 552 regarding public information and agency rules, opinions, orders, records, and proceedings.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  # XXXX XXXX  # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  # XXXX XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm writing regarding fraudulent personal information associated with my identity. Accounts and transactions have been falsely attributed to me without my consent, causing significant distress. As a victim of identity theft, I've already reported this incident. 

I request your immediate action : XXXX. Remove all fraudulent information from my credit report. 
XXXX. Conduct a thorough investigation into this matter.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety I have no connection to these accounts, and urgently request their immediate removal to prevent any further harm to my financial well being.
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAINE & WEINER COMPANY, INC. (MI)

I keep getting calls from Caine and Weiner for XXXX XXXX, my brother. I have told them twice that this XXXX XXXX 's cell phone and to remove my number from their list. They are polite but fail to note that this isn't XXXX 's cell phone. What can be done?
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian is furnishing an account that has continuously abused their power and violated my rights in several ways. I have disputed this account multiple times, and no real investigation was performed. If a proper investigation had been conducted, the State of Michigan XXXX XXXX account would not be furnishing inaccurate information such as the address, payment history, and account opening date. This account shows an opening date in XXXX, while it was actually opened in XXXX. 

On top of the inaccurate opening date, if the account was opened in XXXX, then the statute of limitations on reporting the account has passed. Under 15 U.S.C. 1681c ( a ) ( 4 ), adverse information, including delinquencies and charge-offs, can not be reported for more than seven years. Reporting this account beyond that time period is a violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, the payment history does not reflect accurate information. It shows an opening date of XXXX but no payment history until XXXX. The reported payment history is incorrect, showing charge-offs in XXXX and no data for the other months up until XXXX. How can an account show payment history that does not match the opening date, nor does it show accurate current data? This account was never in charge-off status. 

The State of Michigan and Experian have failed to meet their legal obligations under the FCRA. Under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to correct inaccurate information, and under 15 U.S.C. 1681i, credit reporting agencies must conduct reasonable investigations into consumer disputes. Furthermore, the failure to report the correct payment history and opening date is a violation of Experians duty to adopt reasonable procedures to ensure the accuracy of information as outlined in 15 U.S.C. 1681e ( b ). 

The FCRA, under 15 U.S.C. 1681n, provides that any person or entity found to be willfully noncompliant with its provisions is liable for actual damages, statutory damages ranging from {$100.00} to {$1000.00}, and punitive damages, as well as attorneys fees and court costs. For negligent noncompliance, under 15 U.S.C. 1681o, the violator is liable for actual damages, along with attorneys fees and costs. Experian and the State of Michigan are subject to these consequences for failing to conduct a reasonable investigation and report accurate information. 

The State of Michigan and Experian are abusing their power and violating my rights by failing to correct these issues after multiple disputes.
Consumer complaint received 2024-10-09
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. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

Equifax is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of Georgia stated that they did not provide information to Equifax and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

This is really worrying, it has kept me up many nights due to anxiety wondering how this could have happened. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized or applied to them. I have contacted Equifax and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2017-05-11
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. (CA)

I was a victim of identity theft, which I discovered in   XX/XX/XXXX . I immediately went to my local police department to file an official report. I contacted a ll the creditors and credit bureaus as I was instructed to do so by the  Federal Trade Commission- Identity Theft Dept. I have sent in all requested infor mation to  XXXX , including but not limited to a police report and completed ID Theft Affidavit, which they provided to me. Since returning the ID Theft Affidavit to  XXXX  I have yet to hear any information regarding the investigation of my accounts. They continue to harass me for payments and continue to pressure me to pay on fraudulent loans because they refuse to do an investigation. The only correspondence I have received from  XXXX  regarding my investigation is a generic template form that states the investigation is complete and they have verified all information. I have called  XXXX  and sent multiple letters and faxes requesting a detailed description of their method of investigation with no response. I have asked for copies of all the master promissory notes multiple times and have been completely ignored. They only respond to me to collect payment. I have had to pay on the fraudulent loans because they continue to report to the credit bureaus, which is deterimental to me credit score. This has been going on since   XX/XX/XXXX   and they have completely disregard my rights as a Californ ia Vitim of Identity  Theft.
Consumer complaint received 2019-12-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION (NY)

On XXXX XXXX, I traded in my XXXX " XXXX '' valued at that time by XXXX being {$7000.00} for a XXXX XXXX XXXX leaving me in debt with PenFed of XXXX. After hiring a Power of Attorney and falling into financial hardship, I have discovered that I was manipulated, bamboozled, and hoodwinked and through fraud I was pressured into signing paperwork and doing something I would of not done if I was instructed properly.That 's if I knew the law, had an Attorney, or knew my rights as an American. I was legally incompetent at the time I signed the " Finance Agreement/Contract ' and didn't understand what I was doing. If I had realized what I was doing and as my Lawyer told me was not an " Infant '' when I traded my " XXXX '' I would of not wisely went {$20000.00} into debt. I fill I have been exploited, mistreated and manipulated into believing the deal for my XXXX XXXX XXXX would be a better deal. I want to renegotiate the Retail Installment Contract with my Power of Attorney, and I request a New Deal. Thank you
Consumer complaint received 2024-09-10
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. (MI)

XX/XX/XXXX. 
I provided proof and a police report that I was a victim of identity theft. I sent this information to XXXX, XXXX and Experian. 



XX/XX/XXXX The companies stated the checked public records and validated the information was correct. This person or persons used my address, social security number and date of birth so that info would be correct and the credit companies did not resolve this issue nor did they do any investigation.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

This is really concerning as applications were done in my name without my knowledge and consent, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

When viewing my Experian XXXX XXXX, 2017 credit report under : report-summary > account-summary > P3 I see I have a total : 1 open account 15 collection accounts Time since negative : Never This I found very misleading as it says, the time since the last late payment or other negative event was posted to my credit report is " Never '' I continue to Accounts > Open-accounts > pg.3 to see my XXXX  account Status : " Negative '' The same page also states " Experian has no closed accounts on file for you as of XXXX XXXX 2017 '' Finally I reach the Account-details Tab Where my XXXX XXXX account is reflecting a 60 day past due payment ; so now I 'm really confused! XXXX never reported any missed or late payments previously yet my account Status is negative showing late payments and in the same report Experian reported that " The amount of time that has passed since the last late payment or other negative event was posted to your credit report '' is " Never '' I feel the information being provided to me as a consumer in regards to my credit report are false and misleading. I 'm providing a copy of my XXXX XXXX payment history. Along with my credit report, as I have viewed at Experian.com
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CO)

XXXX / XXXX / XXXX  I needed expensive dentist work for my teeth. The dentist sold me on a no interest credit card from, Comenity Capital Bank,  XXXX   XXXX   XXXX  Credit Card account.  XXXX . I charged {$7500.00} and had the work done.     I did not understand that it was a 24 month promotion period with no interest. In  XXXX   XXXX  the promotion ended and they charged me an extreme interest rate of 28 % and started it at the beginning date. I had made every payment on time and most payments were in addition to the minimum payment.     My balance in the beginning of  XXXX  was {$2200.00}. Payments were due on the  XXXX  of every month.     On  XXXX / XXXX / XXXX  they added {$2000.00} interest, and {$2100.00} - PROMOTIONAL TO REVOLVING.   I called and discussed this as soon as I notices, around  XXXX / XXXX / XXXX . I pleaded with them to remove the interest charges and I was prepared to pay the balance in full. I spoke to  3 different levels of management and they were extremely rude and would not budge. The last person was the district manager and he said he did n ot report to anyone when I asked for his supervisor.     There was small writing on the electronic statement saying that the promotion was ending. I feel I should have been notified by mail, email, or phone.     I paid off the entire balance, in fact paid over by {$87.00} which they will not return.   The balance paid was {$4200.00} which was the balance on the  XXXX  ending statement.
Consumer complaint received 2024-09-10
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. (CA)

I do not recognize the credit inquires and I have asked the bureaus to remove these inquires, however the bureaus did not remove the inquires as I asked them. 

Herein, I am providing " Identity Theft Report '' which is attached to this complaint. 

I am requesting these inquiries to be removed since they are inaccurate and unauthorized and not of mine.
Consumer complaint received 2024-10-09
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. (CA)

XX/XX/XXXX I sent out 46 letters to the lenders and 46 letters to the credit bureau. Asking why I have the same credit inquiries over and over when I only applied one time. For 1 place it's really saddening to see why all these inquiries during the month of XXXX. Keep going through my account. And I didn't ask for this. They told me that I can go online shop for a car when I find the car. I like I can submit in application. I submitted my application and the entire Month of XXXX, my credits being ran from the same companies over and over and over and XXXX, went to one company.

Not only that, but I specifically told them they are not allowed to run my credit or find out what other loans are out there more than 2 times they did this more than 16 times on. XXXX 13 times on equafax and 19 times on experien. This is complete outrage. These need to be removed immediately.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Sent request that the credit reporting agencies correct and update the information on credit report. Request the agencies to block for promotional purposes and any negative remarks on credit file to be blocked for promotional purposes. Request that pursuant to Fair Credit Reporting Act any late remarks after discharge in bankruptcy are inaccurate and must be removed immediately. The Credit Reporting agencies are still inaccurately reporting and in violations.