davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal dispute regarding the results of a recent investigation conducted by Experian, Report NumberXXXX concerning inaccuracies in my credit report related to the XXXX XXXX account ( # XXXX ). As per 15 U.S. Code 1681e and 15 U.S. Code 1681i, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and to thoroughly consider all relevant information provided by the consumer during any reinvestigation of disputed information.

The following discrepancies and inaccuracies remain unaddressed and unresolved in my credit report : Last Payment made : XX/XX/XXXX. 
Payment history/rating for XX/XX/XXXX is reporting as " current ''.

Date closed : XX/XX/XXXX ( inconsistent with XXXX ). 
Date of removal : XX/XX/XXXX ( inconsistent with XXXX ). 
XXXX Reporting : This account is not being reported by XXXX. 

Regarding the lack of reporting by XXXX, as per 15 U.S. Code 1681e, consumer reporting agencies must ensure the information in consumer reports is accurate and up-to-date across all major credit bureaus. The Federal Credit Reporting Act ( FCRA ) mandates that the reporting agencies, such as Experian, XXXX, and XXXX, maintain consistent and accurate information. The discrepancy in reporting this account by XXXX is a violation of this mandate and affects the overall accuracy of my credit profile.

I have provided all relevant information to support my dispute, yet these discrepancies persist. In accordance with 15 U.S. Code 1681i, I am entitled to a thorough reinvestigation of these inaccuracies. Furthermore, under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) and ( 7 ), I am requesting a detailed description of the reinvestigation procedure employed by Experian.

Please provide the following information promptly : The method of investigation used by Experian to verify the disputed information.

A detailed description of the reinvestigation procedure, including any steps taken and the sources of information used.

I expect to receive this information within the 15-day timeframe specified by the Fair Credit Reporting Act ( FCRA ). Failure to comply with these statutory requirements will leave me no choice but to escalate this matter further, potentially including legal action to ensure compliance with federal regulations.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Hi, I am currently applying for a mortgage and i need a fraud alert found on my Experian credit report removed. 

I on XX/XX/19 i mailed to Experian a request to remove the fraud alert. I enclosed with all the documents needed XXXX copy of SS card, Proof of address, Photo id ) but my mortgage broker re pulled my credit report today and the fraud alert was still showing.
Consumer complaint received 2024-08-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Scott Fetzer Financial Group Inc. (TX)

UCFS has repeatedly claimed I am paying late and charged me late fees. Then they report this to my credit report. I dispute it with XXXX, and they say it is verified. I finally figured out that UCFS is changing my due date every month. So when I think it is due on a certain date and pay it, they roll the due date back so the payment is late. Also they do not apply the payment to the due date. They report receiving it several days after the due date even though I pay directly on the web site with a debit card and the money is immediately removed from my account. I have tried repeatedly to contact them by phone, by email, and by message on my account portal. They erase the messages on the account portal and do not respond. This is either total incompetence or intentional abuse because I disputed it with XXXX. I want all the late fees reimbursed and I want UCFS fined for malicious acts against me as a customer.
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: Experian Information Solutions Inc. (OR)

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 XXXX, Experian, and XXXX data breach.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This account has violated my rights ; Validate Account XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXXXXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I am reporting identity theft on XXXX collection accounts on my credit report. Below is attached an affidavit. The accounts are XXXX XXXX XXXX Amount : {$6000.00} XXXX XXXX XXXX Amount : {$190.00} I have reached out to both of these companies about these accounts. i requested a signed purchase agreement with them. neither could provide a agreement that i signed with them. i have no accounts with either of these people. i have never had an acount with either company. and when i spoke to the lawyer he said not to pay them. and that they bought those accounts so by law i dont owe them anything. and them reaching out and putting on my credit is considered identity theft. neither company has provided a signed purchase agreement with them. and i just would like them off my credit report.
Consumer complaint received 2024-06-12
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX and XXXX AND XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code s 1681a- Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term " consumer report " does not include - does not include any report containing information solely as to transaction or experiences between the consumer and the person making the report 15 USC1666B ; A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for the purpose
Consumer complaint received 2024-08-01
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. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX, XXXX XXXX XXXX, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-06-12
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX ALSO KNOWN AS XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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. (NY)

I am writing to inform you that my social security number has been compromised, resulting in XXXX XXXX. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter.

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within XXXX  business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX XXXX XXXX XXXX INQURIES BEING CHALLENGE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Consumer complaint received 2024-06-12
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. (NY)

I am writing to inform you that my social security number has been compromised, resulting in XXXX XXXX. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within XXXX business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX - XXXX XXXX INQURIES BEING CHALLENGE : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution. 

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I went to a used car dealership XXXX XXXX XXXX in XXXX. The dealer XXXX XXXX, who went by XXXX, ran my credit which at the time was reporting in the very high 600s to the low 700s on multiple credit checks. I was told I had no auto loan score and that the only place that would accept me is credit acceptance. I received one of the highest apr rates, 22.99 % for a used car which gave me a XXXX interest rate. I called the company multiple times trying to understand how they came across the numbers but all I was told was that I had to speak to the dealer and when I did I was reverted back to credit acceptance. I was told Id be financing XXXX and was sat in front of a computer and told to type in initials wherever directed. I was told I needed to hurry so the loan could process and me being a first time dealership lease user I trusted the process. I legally did not sign any documents my initials were electronically typed in. I did not see anything about an apr rate nor was I told one in fact I had to ask for my paperwork due to the fact the dealer did not juts willingly give it to me and that is how I learned about the XXXX interest on my XXXX loan. When I called to ask if I could pay extra to my loan to try to decrease it I was told by the customer service that I could not pay extra to my loan itself u had to pay for both the loan and the interest. I also called to see if I could refinance with credit acceptance and of course they refused. I have had the car a little under 6 months and it has transmission problems and is out of commission. They will not negotiate my price nor take the vehicle back and relinquish my debt so I am out of a vehicle and my recently decent credit score will now be completely destroyed. I have been paying {$370.00} a month on time since XXXX. My outstanding balance was XXXX and not is at about XXXX. After reviewing the XXXX XXXX XXXX the car was only valued at about XXXX depending on the mileage which when leased was at XXXX. This dealer has had very many complaints as well as this company.
Consumer complaint received 2024-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2024 - sent dispute letters certified USPS mail to Transunion, XXXX and XXXX. These letters pinpointed multiple inaccuracies that each of the credit bureaus were displaying and I asked that these accounts be removed from my credit report. 

XX/XX/2024- XXXX responded with an invalid " we have not taken any action on your request '' and accused me of not being me. In the letter I mailed to them, I attached a copy of my California Drivers License and a valid proof of address, which abides by their list on XXXX 's website of providing verification. 

XX/XX/2024- Transunion responded with a long list of their " supposed '' investigation results. They did not provide who they verified this information with and the dispute request I sent in was against the accuracy and fairness of what they were publishing. They just responded that everything I disputed, was verified which is not what I asked for. I pinpointed reporting items that are inaccurate and in violation of the Fair Credit Reporting Act. 

XXXX, XXXX, 2024 XXXX - provided 0 response to my certified letter.

All 3 companies violated my right to a 30 day investigation into the 100 % accuracy of the reportability of items they publish under my social. None of them provided resolution to the inaccuracies that are still on my credit report.
Consumer complaint received 2024-06-12
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. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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. (GA)

I am taking action to dispute and investigate these accounts as they are being wrongfully reported on my credit file. Under the XXXX Credit Report XXXX, I am entitled to {$1000.00} for each incorrect entry. I understand that FCRA XXXX mandates reporting any incorrect accounts on a consumer 's report.