davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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. (LA)

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies TO BE MAILED TO ME IN WRITING! 

If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-03
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)

I am a natural, living human being, and I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681, and they violated my rights numerous times. Additionally, I have disputed these account multiple time and XXXX refuses to update and/or remove the accounts from my credit profile. XXXX continues to report inaccurate information on my credit profile, which causes additional hardship when applying for necessities that require my credit. This is a defamation to my character and caused higher rates on my auto loans, home mortgage, and credit cards. I demand that the accounts listed below to be removed because according to 15 USC 1681, I have the right to privacy and did not give XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry XXXX XXXX Hard Inquiry
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

Submitted Dispute on XX/XX/year> to Experian under dispute number XXXX. The company has failed to respond to the dispute within XXXX days and should remove all items disputed. Under U.S. Code 1679c Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within XXXX days.
Consumer complaint received 2024-07-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX was my Chase XXXX maturity date for account ending in XXXX. I called up Chase rep and agreed and confirmed to send the {$30000.00} to my Chase savings account. Was informed that it could take XXXX business days to process. This did not happen and followed up with a call to get an explanation from them as to why it was not transferred as agreed. They informed me at the exact same time when the XXXX account money of {$30000.00} was withdrawn and CD account was closed, my savings account was closed at same time due to inactive activity. 
They informed me to wait a further XXXX days and to call back - no progress Called back on XXXX XXXX - XXXX progress, along with XXXX, XXXX and XXXX of XXXX to be told no update. I informed them on all occasions that this is my money and needs to be deposited to my account asap. Still nothing. 
On last XXXX calls they stated that they can not give me a timeline as its handled from the XXXX account department. Each call was for XXXX duration as I needed to go thru various hurdles to get to the escalation team, only to be told that I need to wait for XXXX team to update file..why do I need to wait now 9 days after Chase deducted the $ XXXX from my now closed CD account to XXXX of my savings account. During the first call, I gave them an alternate chase savings bank account to deposit the large amount of money to no avail
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-03
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. (TX)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I hope this letter finds you well. I am writing to formally file a complaint regarding the ongoing presence of fraudulent items on my credit report, as maintained by 3 Credit Bureaus. These fraudulent entries have had a detrimental impact on my financial standing and creditworthiness, and despite previous attempts to address this issue, they persist on my report. 
I have attached copies of supporting documents, including [ attach copies of any evidence you have, such as identity theft reports, dispute correspondence, and any other relevant documentation ]. These documents substantiate my claims and demonstrate that I have taken appropriate actions to address the fraudulent activities associated with my credit report. 

I have previously initiated disputes regarding these fraudulent items through your bureau, and I have provided all necessary documentation to support the legitimacy of my claims. However, to my disappointment, these items continue to negatively impact my credit score and financial well-being. 

I kindly request that you take immediate and comprehensive action to rectify this situation. Specifically, I request the following : Thoroughly investigate the fraudulent items listed on my credit report, verifying their authenticity and ensuring they are removed promptly. 

Provide me with written confirmation of the removal of these fraudulent items from my credit report within exact timeframe from the date of this letter. 

Implement enhanced security measures to prevent the recurrence of such fraudulent entries on my credit report in the future. 

Advise me on any additional steps or information required from my end to expedite this process. 

I understand the importance of maintaining accurate and reliable credit reports and the potential consequences of fraudulent activities on my financial life. Therefore, I request your utmost attention and expeditious handling of this matter. 

I expect a response to this letter within exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and report this matter to relevant regulatory authorities. I am asking for your assistance to remove the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}.
Consumer complaint received 2024-06-11
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. (TX)

XXXX XXXX XXXX XXXX Account Number-To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law
Consumer complaint received 2024-06-11
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: EQUIFAX, INC. (PA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-03
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (PA)

Ordered an item on XXXX using a CHASE Freedom card. The order was delayed because an offer, for financing it with payment being broken down into multiple instalments. would not clear after many attempts. Interest on the payments would have added to the cost of the item.
Consumer complaint received 2024-06-11
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. (GA)

I've attached the proper information showing that this company, XXXX has fraudulently and falsely reported dates on all three of my credit profiles. The attachment 's shows the minimum due, which was paid as promised monthly of {$37.00}. XXXX has reported to XXXX, Equifax, and XXXX that I was late for these XXXX consecutive months. All attachments show that the statement balance changed each month, meaning the payments were being processed.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I noticed inaccurate information on my consumer credit report. Per the FCRA, I disputed the accuracy of the information with the creditor CREDIT ACCEPTANCE CORP on XXXX information reported is not consistent across all three CRA 's which is a violation of Section 623 ( a ) ( XXXX ) ( B ). I sent a letter by certified mail to the address for CREDIT ACCEPTANCE CORP and requested a electronic receipt for my records. The letter was sign for on XX/XX/XXXX. Per the FCRA, all furnishers of information to CRA 's have a duty to provide notice of dispute in 30 days and update any inaccurate information reported. Section 623 ( a ) ( 1 ), Section 623 ( a ) ( 1 ) ( B ), Section 623 ( a ) ( XXXX ). On XX/XX/XXXX my consumer report did not reflect that I had submitted a dispute in the comments. However, I did notice the remarks were update a month later on two CRA profiles but not all three, which was not within the 30 day timeframe. As of XX/XX/XXXX the information is still not consistent and accurate on all three CRA 's
Consumer complaint received 2024-06-03
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. (VA)

TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX XXXX : EXPERIAN XXXX XXXX TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDN'T GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ : XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX LATE PAYMENTS ACCT # XXXX, ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX, XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX ACCT # XXXX AND NAMES AND ADDRESSES 1M NOT FAMILIAR WITH THAT'S ATTACH TO POLICE REPORT- TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER RIGHTS AND HUMAN RIGHTS PLEASE DELETE THESE IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MA'AM. 
SINCERELY, XXXX XXXX XXXX UCC 1-308
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (PA)

I closed my account with XXXX when I moved, I paid my final bill as discussed on the phone when I closed the account. Their bill was reflecting an additional month they told me I didnt owe and would go away when billing gets updated, it never went away, I called them a couple times about this and was told to either let it go and keep waiting or pay it and wait for them to refund me. They then put on my credit report Im not paying a bill they told me I dont owe and its not being removed from my credit after disputing it. I have since paid it and am now waiting on my refund from XXXX ( doubt Ill ever see it but wont accept what they did to my credit ) XXXX makes it very difficult to close an account and should be investigated for these difficulties and made to provide an easier way to do this on line, not after long waits calling in to them. There should also be a follow up of what their customer service tells you on the phone, in my situation there was no truth in what they told me. Experience shouldve been able to find this issue and delete it from my export, not just update it that the account is settled.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Avant Holding Company, Inc. (NY)

Avant , LLC XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX I paid off this card to XXXX and then closed the account. I even triple checked when I did it and afterward, they added a charge. I disputed paying anything else after the account was already closed and even had told them on the statement you can see that I paid it exactly down to XXXX then closed the account but they did not want to listen, kept telling me how much I owed then write me off. It damaged my credit and I didn't owe the amount but had no idea what to do about it because they would not listen. I am on social security and have many issues but making sure I pay my bills is not one of them. I feel like they are just taking advantage of me they sent me a recent bill last week and I tried to speak with them again, still to no avail so I got angry and found you. If you can help me please do, you can contact me anytime. 

XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX ( XXXX ) XXXX