davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX  XXXX  which involved me making deposits for a total amount of XXXX USD from my First Citizens Bank account to a fraudulent investment firm ( s ).
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2023-08-29
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. (WI)

i contacted the company equifax stated to them i notice some inquiries on my report i did not authorize. They came back in less than 24 hours and stated >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE SER Page XXXX of XXXX XXXX ( XXXX On Next Page ) XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 ND MR EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE XXXX XXXXXXXX XXXX XXXX  if i am telling them I did not give these companies permission to check my report for the purposes stated then who gave them access to my report without my knowledge? How are the factual data and will remain if they are on my report without permission? These credit reporting agencies are getting out of hand with them continuing to allow things knowingly and will not delete them. They have laws to abide by and they refused on countless occasion in my cases do this to often. The USC codes are there to protect the consumer ( me ) from unauthorized accounts, inquiries etc. and once disputed the credit reporting agency is supposed to investigate the claims not use a auto response system to reply, nothing can be investigated following the laws and properly in less than 24 hours. Stop giving these reporting agencies the right to disregard the laws they are upheld to uphold and start making them actually do what they are supposed to.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-09-20
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 finished paying my car noteLast year XXXXXXXX XXXX XXXX XXXX however sometime before that, in XXXX XXXX XXXX XXXX, about a month before i made my finalpayment, XXXX XXXX XXXX ( XXXX ) reported that I was 30 days late on my payment. I called several time and exchanged emails etc. XXXX ( rep from XXXX ), respondedwith justifications as to why that late report is on my report etc. ( see thread ) Eventually, your team sent me my title but the late payment report had already been done. 
I recall talking to XXXX team several times in XXXX XXXX  about why my creditreport is showing more balance than it should. A team member informed me that XXXX is changing its systems and for that reason, balances showing on each credit bureau is different. I gave their team grace to correct this balance inaccuracy. XXXX XXXX, there still was no correction yet. ( I assumed XXXX was still changing database systems ) Again, I emphasized to the representative that if i were late for my payment, XXXX will charge me a late fee and also report to the credit agencies. I stated that if that correction is not fixed, i will not make payment on time for my next month. ( All of this, i have on recording and i believe your team has on recording as well ). Indeed if i was late on payment, XXXX  quickly reported that late payment to the bureau. 
Fast forward to today, this isscrewing me up big time because I can not purchase real estate whatsoever. 

At this point, all I am asking is a resolution regardless of who is to be blamed. As customer goodwill/ courtesy ; is XXXX or anyone capable to update the creditbureauwith a letter or something so that it can be fixed/taken off my report?
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (FL)

Delete Late payments from Exeterfinance from XX/XX/2023 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n
Consumer complaint received 2024-04-25
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. (NV)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-25
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)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681bXXXX permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-04-25
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)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I finished paying my car noteLast year XXXX XXXX XXXX XXXX, however sometime before that, in XXXX XXXX XXXX XXXX about a month before i made my finalpayment, XXXX XXXX XXXX ( XXXX ) reported that I was 30 days late on my payment. I called several time and exchanged emails etc. XXXX ( rep from XXXX ), respondedwith justifications as to why that late report is on my report etc. ( see thread ) Eventually, your team sent me my title but the late payment report had already been done. 
I recall talking to XXXX team several times in XX/XX/ about why my creditreport is showing more balance than it should. A team member informed me that XXXX is changing its systems and for that reason, balances showing on each credit bureau is different. I gave their team grace to correct this balance inaccuracy. XXXX XXXX, there still was no correction yet. ( I assumed XXXX  was still changing database systems ) Again, I emphasized to the representative that if i were late for my payment, XXXX will charge me a late fee and also report to the credit agencies. I stated that if that correction is not fixed, i will not make payment on time for my next month. ( All of this, i have on recording and i believe your team has on recording as well ). Indeed if i was late on payment, XXXX quickly reported that late payment to the bureau. 
Fast forward to today, this isscrewing me up big time because I can not purchase real estate whatsoever. 

At this point, all I am asking is a resolution regardless of who is to be blamed. As customer goodwill/ courtesy ; is XXXX or anyone capable to update the creditbureauwith a letter or something so that it can be fixed/taken off my report?
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account : # XXXX Account : # XXXX Account : # XXXX Account : # XXXX Account : # XXXX has violated my rights. 

15 U>S>C 1681 section 602 A. States i have rights 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 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 the information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then 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.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-29
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. (NJ)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-29
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 draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-25
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

This letter is a formal complaint that you are reporting inaccurate incomplete Credit information. According to the fair credit reporting act section 609A1A who are required by law to verify through physical verification of the original signed contract any and all accounts that you post on my credit report otherwise anyone that is paying you for your debt probably fraudulent. I demand to see verified proof. If you fail the validate removed from my account immediately.
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Managment did not provide me with any notice of an attempt to collect a debt. Instead I received papers in the mail about being sued by them. I was not properly served these documents either. They were left with my neighbors who informed me once I got home. How can they expect for someone to pay an alleged debt when they dont attempt to notify the consumer?
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-04-25
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MI)

I was sent letter about a debt to Jefferson that I am not aware of and it was put on my personal credit report as a collections of XXXX which has effected my credit report rating I would like this updated and removed off my credit report as this is not my debt.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CADENCE BANK (MS)

They asked me if I wanted a credit card after I opened an account I replied I dont know. So they where waiting and the system was down and she said she would try it later but she didnt without contacting me I feel I should have been there while she was doing it and now hits on my credit
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Name : XXXX XXXX XXXX, Inquiries : XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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.

Reasonable policies and procedures concerning the accuracy and integrity of furnished information ( 12 CFR 1022.42 ) and Interagency Guidelines ( Appendix E ) Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of consumer information that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnishers activities. In developing its policies and procedures, a furnisher must consider the Interagency Guidelines and may include its existing policies and procedures that are relevant and appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.