davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX I checked my free Experian account 's supposed up to date XXXX XXXX online that states as of XX/XX/XXXX, my XXXX XXXX is XXXX. After confirming my score, I then went to XXXX XXXX in XXXX XXXX, Colorado to secure an auto lease of a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. When I gave XXXX permission to pull my credit report and score for approval from Experian, the information came back as my credit score being XXXX, which is XXXX points lower than my credit score is being reported to me. 

I left XXXX and immediately contacted Experian. I spoke to and was transferred to several specialists that confirmed that my XXXX XXXX is and has been XXXX for some time. I was transferred to someone in membership services and explained my concern with the inaccuracy of my credit score through them. I was told that I should have showed XXXX my credit score from my online account rather than having them pull my credit score from Experian, I have never heard of that being a procedure for any other credit inquiry. I was then told that XXXX creates its own score from its own criteria after they pull from a credit reporting agency and that's why the scores are different. I asked if that means that this inaccuracy is XXXX 's problem and they said yes. I then immediately called XXXX to verify if this is true and they assured me that that is not their procedure and not how they do business. 

Therefore I have come to the conclusion that Experian is discriminating by misrepresenting and reporting inaccurate information from my credit report which led to XXXX 's adverse action to deny me the auto lease. This is to my detriment and impairing my ability to do business as a consumer, and violates XXXX XXXX. XXXX ( b ) for Experian, a credit reporting agency, to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

On the credit bureaus that Ive updated accurate addresses and disputed the incorrect addresses and former names. It still shows up that Im still named that or lived there. For the month of XXXX. My identity has been stolen and new accounts opened in a former last name. Then 3 inaccurate addresses two in Florida and one in Texas. Then inaccurate employer. Its like no one out if 3 credit bureaus dont get accurate updated information and its XXXX XXXX Then all these banks and loan companies letting people apply online stealing peoples identity.
Consumer complaint received 2023-11-27
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. (MI)

-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 5 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 2024-08-25
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. (GA)

I am writing to formally dispute fraudulent information on my report that resulted from identity theft. My personal information was compromised without my consent, leading to unauthorized accounts and inquiries listed on my Consumer Report.

In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S. Code 1681c2 ), which covers the removal of information related to identity theft within 4 days. 

The fraudulent accounts are XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXX- ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX-ACCOUNT NUMBER XXXX Please conduct a thorough investigation into these matters and remove the disputed items promptly. 

For your reference, I have attached the following documents : Affidavit, drivers license, social security card, proof of address, and FTC report. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I have recently noticed that there have been late payments recorded on my account for the following months XX/XX/2023. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with XXXX. 

XXXX XXXX -I am NOT late on XXXX 2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Consumer complaint received 2024-07-24
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. (FL)

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. 

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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: American Financial Resources, Inc. (MD)

My current loan servicer is American Financial Resources ( AFR ) also known as XXXX. I tried to submit a payment on XX/XX/XXXX and was not able to log into the system. I received a letter on the same day ( letter dated XX/XX/XXXX ) that the loan was being transferred effective XX/XX/XXXX. After that date the new servicer would be collecting payment which meant that my current loan servicer would still be collecting payment until that date. The letter stated to contact the current servicer and new servicer if I had questions. I have contacted my current servicer via 5 different telephone numbers, one of which was provided in the letter and others I found online, and via XXXX which is where customers usually go for account information. I am getting nothing but recordings that state either the agents can't access accounts or the systems are down and please hold for a representative that never comes on the line. I have also tried to reach out to my new servicer and they have no information because I am not yet their customer, technically. I am afraid now that my account will be in default because I have no way of accessing my account while their transition is taking place and today is XX/XX/XXXX ( 3 more days until my loan is 30 days late ). I feel that AFR/XXXX  is still responsible to their customers up until the date specified in the letter.
Consumer complaint received 2024-08-27
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX  Account Number # XXXX Please update- All New Reporting Information to- paid as agreed and current 4. These following address are errors never lived there XXXX XXXX XXXX XXXX, Georgia XXXX Please remove it from my credit report. 

5. These following address are errors never lived there XXXX XXXX XXXX XXXX XXXX GA XXXX Please remove it from my credit report. 

6. These following address are errors never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX I mailed a certified letter to Experian to have my credit files confirmed, verified, updated or deleted and to send me a copy of the results along with the information on how it was verified and from whom it was verified so that I could follow up with them. I never received anything in the mail. I called on XXXX I was told that they didn't have to mail me anything and they didn't have to tell how they verified the information. I asked to speak with a manager and was told they would call me back, I didn't receive a call back until 2 weeks later on XX/XX/XXXX, I was working and could not take the call. I called back today on XX/XX/XXXX to discuss the fact that all of the negative things that are currently dragging should be removed because according to the Fair Credit Reporting Act Code 1681i ( 6 ) they had 30 days to complete the investigation or delete the files. They had 5 days to send a mailed copy of the results and they did not. I want the accounts deleted.
Consumer complaint received 2024-08-27
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2023-11-27
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. (FL)

15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, EXPERIAN is aware, THOSE inquiry ARE unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). REMOVE INQUIRIES BEFORE I take legal ACTION
Consumer complaint received 2024-09-23
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. (FL)

I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it persists. These unauthorized entries have seriously disrupted my life, causing major stress and anxiety. I want to be clear : I never authorized or consented to this information being linked to my name. I'm a victim of identity theft.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX, I deposited a check issued by XXXX XXXX XXXX at a Huntington ATM. The ATM misread the check amount as {$820.00} rather than {$620.00}. I caught the error in the first XXXX and entered the correct amount on the ATM, but missed the second XXXX, so the deposit read XXXX. On XX/XX/XXXX, 7 days later, I received a letter stating simply that 'Your account has been debited {$620.00} Please adjust your records accordingly. ' There was no further action taken. I called on XX/XX/12 and after being placed on hold several times and transferred once for over 50 minutes, the response was 'We 'll file a claim to see if it can be credited. You'll need to send us a copy of the check. It will take 3 to 5 business days for an answer. ' They had the check! They sent a copy TO ME. I called XXXX XXXX XXXX, and they did not receive it back and said the check should have been simply redeposited for the correct amount. 

Instead, 20 days after I deposited the check, I received a call saying that the check was non-negotiable and would not be re-deposited. The reason given was that the check was altered. I again explained that the check was not altered. It was for {$620.00}, which the copy they sent me clearly showed. The ATM simply read it incorrectly. The check was valid and negotiable when I deposited it. I asked how it had been altered, and the representative, XXXX XXXX at XXXX refused to tell me. I asked that they call the issuing bank to verify it, and was told no. I asked that they send me the check back, and I was told it had been destroyed. 

The copy they sent to me with their original letter did not appear to be altered in any way. Banks should not be allowed to mishandle funds in this way with no recourse. Consumers should not be responsible for bank errors and the charges and loss of income incurred as a result.
Consumer complaint received 2023-11-27
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.