davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (WA)

Complaint regarding my inability to log online into my credit report. I have tried several time to log in, but have been unsuccessful. I have also attempted to contact the credit bureau for assistance, but have not received a response. 

The details of my issue are as follows : This is my first for XXXX  year I tried to check my credit report. 
I enter all the information to open up my account in the credit union.

All that I getting " unable to contact credit Karma please try again later. 
This happened all the time every day and I get tired and I stopped for a while and the go back again and the same story. Can you help me to resolve this problem. 
The name of the union bureau is XXXX Credit Karma, Web page that I using is, XXXX.creditkarmaXXXX
Consumer complaint received 2024-06-25
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. (TX)

PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I just checked my credit report for the first time in XXXX  years and have had an outstanding balance of {$80.00} with bank of America since XXXX. 

I did not receive a bill, to my knowledge, for this amount in the mail, or by e-mail ( the company has both addresses ). As soon as I saw it I paid it off ; all of my other accounts are in good standing. I would like to have the delinquent reporting removed, as I was unaware of this balance, and it is affecting my credit. 

I pad it off with Bank of America as soon as I saw on my credit report : confirmation number XXXX
Consumer complaint received 2019-08-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2019 I requested Experian to investigate the XXXX XXXX XXXX account ( account number : XXXX ) that is reporting as a collection on my credit report. According to my recent credit report from Experian, the account was last updated XX/XX/2019. Meaning that Experian had never investigated the account when I requested the investigation. This is a violation of the FCRA.
Consumer complaint received 2024-06-25
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. (AL)

This company is reporting false information on my account as a collection when its currently deleted from my XXXX  and XXXX. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

According to 15 U.S. Code 1681a, this is my statement that accuracy and fairness of credit reporting was not established and therefore is a result of identity theft and must be removed. The current listed address is not related to me the consumer. According to 15 U.S. Code 1681b, consumer reporting agencies are required to adopt reasonable procedures for meeting needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer.
Consumer complaint received 2024-06-25
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 trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-07-24
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I found a lot of incorrect information on my consumer credit report with Experian. They had 24 incorrect addresses and 5 incorrect names. They also only had a year for my birthdate.

I asked them to please remove the incorrect information and they refused stating that is was their policy to keep outdated information on their report. I told the the consumer laws state that they have to remove any incorrect information and they refused. Please help me in getting them to remove the incorrect information. Please see the attached document.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have requested from Bank of America that they provide proof that I was sent the bill 21 days before my due date or any other proof that I was late. They have refused to provide any proof to substantiate their claim.
Consumer complaint received 2024-06-24
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. (MS)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original CreditorXXXX XXXX ) XXXX, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-25
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)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting XXXX XXXX correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be XXXX XXXX accurate on my credit report and XXXX 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting XXXX XXXX accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-06-24
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 2024-06-24
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)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX FLXXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Truist, I am writing to dispute inaccurate information on my credit report as provided by your agency. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX XXXX ] - **Creditor** : [ XXXX ] - **Type of Discrepancy** : Late Payment Reported for [ XX/XX/XXXX ] I have reviewed my records and have confirmed that the reported late payment on this account is incorrect. As per the FCRA, all data furnishers are required to provide accurate information to credit reporting agencies. This includes ensuring that all reported late payments are correct and verifiable. I request that you investigate this matter and correct the information on my credit report as soon as possible. 

Under the FCRA, you are required to investigate my dispute and provide a response within XXXX  days of receiving this letter. Please conduct a thorough investigation and delete or correct the inaccurate information on my credit report. Additionally, I request that you send me a confirmation once the correction has been made. 

Please find my personal information below for reference : - **Full Name** : XXXX XXXX - XXXXXXXX XXXX XXXX : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXX XXXX XXXX  Thank you for your prompt attention to this matter. If you need any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-24
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)

I am a victim of identity theft, my sister XXXX used myinformation to open accounts that i wasnt aware of. i have doen evrything that the bureaus have requested that i do and the items are still on my credit report
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the XXXX XXXX XXXX  be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least XXXX  days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I value my credit score a lot and the inaccuracies in my report has negatively affected my financial opportunities as well as my mental health, it is all down just like my credit score. It is really frustrating and disappointing to be consistently ignored with my requests to correct these inaccurate information on my credit report.
Consumer complaint received 2024-06-24
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. (OR)

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 2024-07-11
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)

Upon checking my credit report I have discovered, I have a fraudulent account that is reported on it, the account in question is XXXXXXXX XXXX with the account number XXXX, this account is fraudulent I have never opened such account in my name. This account is associated with a fraudulent address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. Please remove this fraudulent information as its fraudulent and not true.
Consumer complaint received 2024-06-24
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)

According to 15USC 1681EB a consumer has a right to fair credit reporting. The account from XXXX XXXX XXXX violates the consumer protection act and FCRA. It has inconsistent data from account opening, to account numbers, to high credit and inconsistent dates. By law, the account must be removed otherwise the company is at fault and fines are punishable. I have attached a copy of the report and want the account removed.
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (GA)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-06-24
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. (NC)

I am filing this complaint against XXXX XXXX XXXX and Experian for violations of my privacy rights under the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and 15 U.S. Code 1681. Despite my explicit opt-out request submitted to XXXX, XXXX on XX/XX/XXXX, both companies have continued to report and share my nonpublic personal information without my authorization. 


Privacy Act of 1974 : XXXX, XXXX and Experian are in violation of my rights under the Privacy Act of 1974 by disclosing my personal information without my consent. 
Fair Credit Reporting Act ( FCRA ) : As stipulated by 15 U.S. Code 1681, consumer reporting agencies must ensure the accuracy and privacy of information reported. XXXX XXXX XXXX has reported my information to Experian without my explicit consent, resulting in unauthorized and inaccurate reporting on my credit report. 
Opt-Out Request : On XX/XX/XXXX, I submitted an opt-out request to XXXX, XXXX, as per 15 U.S. Code 6802, requesting that my nonpublic personal information not be shared with any nonaffiliated third parties. XXXX XXXX XXXX has failed to honor this request, and Experian has continued to include this unauthorized information in my credit report. 

The unauthorized reporting of my personal information has caused significant harm, including potential damage to my creditworthiness and financial reputation. The continued violation of my privacy rights is distressing and unacceptable. 


I demand that the CFPB take the following actions : Require XXXX, XXXX and Experian to immediately cease the unauthorized sharing of my personal information and remove any such unauthorized information from my consumer report. 

Provide written confirmation that my opt-out request has been honored and that the unauthorized information has been removed from my credit report. 
Compensation : Compensate me {$1000.00} for each violation of my privacy rights as per the statutory damages under the FCRA.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>. I noticed so fraudulent activity on my account. I made a claim with Bank of America in the amount of {$1400.00} from an unauthorized transaction from XXXX. Bank of America issued me a new debit card because of the fraudulent activity going on.Ten days later they issued me a provisional credit. On XX/XX/year> additional transactions from the merchant XXXX was discovered on the account. So I called Bank of America back and as I was on the phone with the agent he pointed out that there were 7 months worth of fraudulent transactions. He helped me submit a claim for the fraudulent transactions in the amount of {$10000.00}. Ive never even used XXXX in my life. I have my own home that I stay at and pay rent for. I work my XXXX off for my money and for that to be taken away from me is ridiculous. I was waiting to get a word back from Bank of America about the new claim I filed. On XX/XX/year>, I woke up to my claim for {$10000.00} being denied I was angry and sad I thought the bank was supposed to help with fraud. The bank didnt ask for me to submit a written statement the didn't ask for any proof that I had nothing just denied. I called the bank and asked for a response they told me that it was denied because the customer was liable because it was from XXXX XXXX. I just want someone to take their time and look over the facts I never done business with XXXX before. My account was compromised and Bank of America did nothing as far as looking into the real facts or fixing my account dealing with the fraudulent activity.
Consumer complaint received 2024-06-24
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)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.