davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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)

According to the Fair Credit Reporting Act, specifically 15 USC 1681 Section 602 ( a ), it is imperative that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for consumers ' right to privacy. Equifax and XXXX, being consumer reporting agencies, hold a significant role in safeguarding our private information. 

Under 15 USC 6801, it is the Congress 's policy that financial institutions must continually respect their customers ' privacy and protect the confidentiality of their nonpublic personal information. The term " Furnisher of information to credit agencies '' falls under the definition of a financial institution within this framework.

Additionally, 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can furnish a consumer report solely in accordance with the written instructions of the consumer to whom it pertains. Neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies, Equifax and XXXX, have obtained my written consent to furnish this information. Therefore, all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, are hereby revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) dictates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their nondisclosure option. Regrettably, ( Furnisher of information to credit agencies ) never informed me of this right to exercise nondisclosure.

In direct violation of 15 USC 1681C ( a ) ( 5 ), Equifax and XXXX are reporting adverse account information without my permission, which is prohibited by law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) clearly states that any person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Equally important, 15 U.S. Code 1681e mandates that every consumer reporting agency must maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. Equifax and XXXX appear to be falling short in maintaining these reasonable procedures. 

Lastly, as per 12 CFR 1016.7, a consumer retains the right to opt out at any time. I am formally opting out of your reporting services.

Account Name XXXX  XXXX. Account Number. XXXX Account Name XXXX XXXX XXXX. Account Number. XXXXXXXX XXXXAccount Name XXXX. Account Number XXXX Account Name XXXX  XXXX XXXX . Account Number. XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

kia financial is in violation of my consumer right they report XXXX date payments to my credit report, according with the law before they report a late payment to the credit bureus they need to send me a letter 21 days prior that letter was never sent to me. therefore Kia is in violation of the law. account must the place in good payment status and removed any late payment from account and credit report.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$610.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX  Balance {$1800.00} XXXX  XXXX Balance {$730.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX {$10000.00} 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 2024-05-12
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. (FL)

I got a notification from XXXX XXXX that there was a hard inquiry on my account on XX/XX/2024 of a XXXX XXXX XXXX XXXX. This was NOT me and this is fraud! My XXXX XXXX shows that someone apply with a credit card under my name.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (CA)

Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. 

I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. 

Please help me! I never lived at XXXX old XXXX XXXX XXXX ca XXXX I believe that's where the suspect lives. 

Please help remove this fraud! I even just hired an consumer attorney to help in this process. 

This is my last attempt before the attorney get the case.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I just recently looked at my credit report XX/XX/year>, and I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

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 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

as of XX/XX/XXXX Experian has reported 30 days late payments on my mortgage to XXXX XXXX XXXX. Experian credit reporting has caused unfavorable actions of creditworthiness, credit standing, credit capacity, character general reputation, personal characteristics has also affected credit of insurance to be used primarily for personal, family household purposes. I have sent in disputes that have come back with the same issue of XXXX late payments after the reinvestigation of my disputes. Here are the following late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 I have no other recourse but to ask for help from Consumer Financial Protection Bureau.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

This company did not bother contacting me threw a phone call to communicate the debt that is owed regarding what has happened they did not have the right mailing address that was confirmed on a recorded line that the collections agency agent said when I gave an confirmed my address so I never received any notification or information in the mail either I was not contacted Not once with a phone call from this agency regarding a debt collection or given the information of when the payment is due!
Consumer complaint received 2023-10-24
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)

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2024-05-12
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. (FL)

Recently, I reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. These accounts are not mine, and I have no connection to them. Since they are negatively affecting my credit score and my ability to rebuild it, I kindly request that you remove these fraudulent accounts from my credit report. 

This request is made under the Fair Credit Reporting Act, which protects me from inaccurate or misleading information in my credit report. I would appreciate your prompt attention to this matter and confirmation of the removal of these fraudulent accounts from my credit history. 

I am attaching copies of the necessary documents to verify my identity and support my request. Please let me know the status of this claim as soon as possible
Consumer complaint received 2024-05-12
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. (IL)

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that I believe is not mine. The account in question is with 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 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 I dispute the accuracy of this information and assert that I have no affiliation with this account. The following reasons support my dispute : 1. **Identity Theft : ** I have reason to believe that this account is a result of identity theft. I did not open or authorize this account, and I have no history of financial transactions with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

2. **Verification of Account Ownership : ** I request that XXXX XXXX provide clear and conclusive evidence verifying the ownership and validity of this account. This may include documentation such as account applications, transaction records, or signatures associated with the account. 

3. **Resolution of Dispute : ** As the reported account is not mine, I request that XXXX XXXX promptly remove this derogatory account from my credit report. Additionally, I request clarification on the circumstances surrounding the reporting of this account and any actions taken by XXXX XXXX to address the disputed information.

4. **Protection of Credit Report : ** I request immediate steps be taken to protect my credit report from further damage resulting from this fraudulent account. This includes ensuring the removal of any inaccurate or fraudulent information and preventing unauthorized access to my credit file. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the inaccuracies in the reporting of this account. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft. - Correction of any errors or inaccuracies in the reporting of the fraudulent account. - Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MS)

XXXX Per the FCRA, I as a consumer opted out of all authorization i previously gave Capital One via mail. Capital one have not taken action in removing the above account from my consumer report. Therefore the above account should not be reporting on my consumer report per 15 USC 6802. I demand a immediate deletion from my consumer report.
Consumer complaint received 2024-05-13
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-23
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: NCB Management Services Inc. (NC)

XXXX credit Card was a secure credit card when I closed it balance shows {$75.00} I tried to call and pay but can not get anyone on the phone but it is still on my credit reporting negatively.15 U.S. Code 1681 NCB Management is reporting debt that was illegally sold to them by XXXX XXXX and XXXX XXXX is reporting that I owe more than what NCB Management is trying to collect which is in violation of 15 U.S. Code 1681,15 U.S. Code 1681e.

NCS is reporting I owe debt but Ive never did business with them which is also in violation of 15 U.S. Code 1681e XXXX  is also reporting I owe them but has never done business with them or progressive insurance which is fraud and violation of 15 U.S. Code 1681e
Consumer complaint received 2024-05-09
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. (MD)

I have 4 inquiries on my credit profile that i did not authorized. Named as follow : 1. ) XXXX XXXX 2. ) XXXX XXXX XXXX  XXXX XXXX 3. ) XXXX XXXX XX/XX/2023 4. ) XXXX XX/XX/2023 I have already contacted all 3 credit bureaus about this matter. Experian and XXXX said that they could not assist me. Stated that I had to contact the original creditor which i already did to no avail.
Consumer complaint received 2024-07-22
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. (MA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-13
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
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. (GA)

I have been communicating with XXXX, XXXX and Experian to remove all the outdated information on my credit report. I have disputed everything that was wrong and all I get back is " account was valid " How? Especially if I'm telling you the account is not mines. I've asked them to share what information they received to prove the information is valid. XXXX data breach provided my personal information out my credit was hit with a lot of fraud activity.
Consumer complaint received 2024-05-12
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. (PA)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CO)

See the attached " pdf '' files. Essentially Nationstar is either intentionally, or through sheer incompetence, preventing us from using their online services. My wife and I are both over XXXX years of age. Nationstar 's discriminatory behavior is prohibited by federal and state statutes.
Nationstar must correct their Information Technology Systems to allow us to use their web-based tools to manage our loan just like all their other mortgage loan customers. My letters and phone calls have gotten no results although Nationstar 's employees have repeatedly told me they would fix the problem. Our loan was transferred to Nationstar effective XXXX-XXXX-17 and at this date, we have been unable to access our loan file using the Internet.
Consumer complaint received 2024-08-25
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: AMERICAN EXPRESS COMPANY (CA)

Am going through divorce, the case is under litigation, we informed them, we provide the court paper work to convince them put it on hold, they accepted the request over the phone, people from XXXX respond our phone calls. 
it is charge of off, I have been making payment for. the last 10 months, I asked them to change it from Charge off to Current, they refused to do it, this hurt my credit
Consumer complaint received 2024-05-12
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. (IN)

Subject : Lack of Response from Experian Credit Bureau Regarding Section 609 Dispute.

I am writing to express my concern regarding the lack of response I have received from Experian regarding a dispute I filed under the provisions of Section 60XXXX of the FCRA. On XX/XX/year>, I submitted a formal dispute letter to Experian. Exercising my rights under Section 609, this Section stipulates that the credit reporting agencies must provide verification of the accuracy of the information they report within 30 days of receiving dispute. However, despite the 39 days since my initial submission, I have not received anything from Experian regarding the status of my dispute. Giving the significance of Section 609 in protecting consumer rights and ensuring accurate credit reporting, I find this lack of response deeply concerning. It is imperative that Experian fulfill their obligations under the law by promptly responding to disputes in a timely manner. Experian did not provide me with a updated status of my dispute and ensuring the necessary steps to conduct a thorough investigation into the disputed accounts. Experian 's failure to address this matter promptly not only undermines the integrity of the credit reporting system, but also violates the provisions set forth in Section 609 of the FCRA. I have requested a detailed description of the investigation process many times by Experian regarding the disputed accounts on my credit report. Pursuant to the FCRA, Section 15 USC 1681i ( 7 ). Under Section 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a detailed description of the investigation process within 15 days of receiving a consumer dispute. 
Thank you, XXXX XXXX