davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (CA)

I sent your company a letter disputing account number XXXX with DISCOVER BANK on XX/XX/year>. 
I received a response from you dated XX/XX/year> where you stated that the item had been deleted. Please see copy of both letters enclosed. After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 
The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 
I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the item has been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 

DISCOVER BANK XXXX
Consumer complaint received 2024-09-10
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. (FL)

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 20 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX up until XXXX XXXX ). These CAN NOT be reporting accurately because these 20 late payments ALL say that they are each 60 days late, which makes this CLEARLY INACCURATE REPORTING. I demand these payments immediately be updated to PAID/CLOSED NEVER LATE.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX  NO : XXXX
Consumer complaint received 2023-05-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (TX)

On XX/XX/23 I contacted collection agency Medicredit to set up payment plan for account # XXXX. And agent brought another account was to be due soon and was brought up but I focused back on the account I was calling about. And called back and paid my first payment {$56.00} on XX/XX/23 giving this account number # XXXX. New Agent brought up another account that they just received and I explain to them that I am paying the one I am calling about and talking one debt at a time. And I confirmed that the payment will be applied to the right account and he lied to me and said yes. Reason I know he lied is because when I called about making s payment arrangement on the second medical bill collection account # XXXX on XX/XX/23. Spoke to XXXX at ext XXXX. She gave me a lower amount. So thats when I knew they lied and applied my money to the this account with out my permission. Agent said give them until Thursday XX/XX/23 to correct it. So we finished the call. So I called Agent XXXX back at extension XXXX to cancel my second arrangement on # XXXX. I told XXXX XXXX that was shady and I dont trust you all and I am going to report this. They cant do that. They cant take no ones money and apply it where they see fit. Collections dont work that way. She conveniently says she was just about to call me to let me know that they credited my money to the right account. They supposedly record everything. You can listen to my recordings for those dates if needed. Thank you for looking into this and for your time in advance.
Consumer complaint received 2024-04-23
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)

XX/XX/year> I received an alert XXXX had obtained my credit report. I contacted XXXX and stated to the representative I had not applied for credit with the organization. Representative stated I needed to send a letter disputing the inquiry. Letter was sent XX/XX/year>. Response received from XXXX XX/XX/year> and stated I applied for credit or a credit limit increase and the inquiry will remain on my file for XXXX years. Stated I would need to dispute with Experian. I can not dispute with Experian unless I send a letter and they will prolong removal.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$12000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXXXXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 
These accounts is incorrectly being reported as a charged offs and is a result of a data breach and or identity theft. Please provide proof of the charge offs and update the balance to {$0.00} or delete the negative payment status on this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
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 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 2024-08-02
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)

**Summary of Complaint : ** The consumer files this complaint against XXXX  for their willful refusal to provide account information and correct credit report inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple good faith efforts to request this information and dispute inaccuracies, XXXX has failed to comply with its FCRA obligations. This complaint seeks redress without further escalation. 

On XX/XX/XXXX, the consumer opened a {$10000.00} personal loan with XXXX through XXXX XXXX XXXX. The consumer has consistently made at least the minimum monthly payments of {$270.00} and, in some months, paid additional amounts toward the principal. XXXX has been reporting the account status as current and pays as agreed, along with the minimum payment due, actual payments made, and remaining balance each month. 

However, as of XX/XX/XXXX, XXXX has deleted the balance and payment history for XXXX and XXXX and reported incorrect balances for XXXX and XXXX, which show increasing amounts contrary to previous reports. This incorrect reporting has negatively impacted the consumer 's XXXX and XXXX XXXX scores by XXXX to XXXX points monthly. 

Despite reporting these issues to XXXX in XX/XX/XXXX, the consumer has not received the requested balance history information or corrections to the credit reports. As a last resort, this complaint is filed to seek redress and correction of the credit report without further escalation. Several emails and phone correspondences between the consumer and XXXX  XXXX  and account supervisors has not resulted in any resolution.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-08-02
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. (TX)

I AM A NATURAL PERSON, IA M A LIVING HUMAN BEING.

I HAVE RIGHTS UNDER 15 USC 1681.

EQUIFAX IS GIVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE : ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY ADN I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS : XX/XX/scrub>XXXX XXXX
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (PA)

I am writing once again to your department to dispute this negative entry on my credit report that I believe to be inaccurate. The item in question is : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want to be clear that this complaint is not a mistake or sent in error. My credit report has some information that are false and not the maximum possible accuracy. This inaccurate information is causing me undue stress and it's affecting both my life and credit score negatively.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

Dispute and Request for Removal of Negative Charge Off and Inquiries Dear XXXX Consumer Relations, I hope this letter finds you well. I am writing to express my deep concern regarding the XXXX bank negative charge off and inquiries that are currently listed on my credit report with XXXX. I have made several attempts to resolve this matter through your customer service department, but unfortunately, I have been blocked from all communication channels. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit report. I would like to bring to your attention that the negative charge off and inquiries listed on my credit report are not accurate and are causing significant harm to my creditworthiness. I kindly request that XXXX investigate and verify the accuracy of the negative charge off and inquiries that are currently affecting my credit report. As per the XXXX XXXX laws, it is crucial that accurate information is reported on credit files. If the information can not be verified, I request that XXXX promptly remove these negative items from my credit report. Furthermore, I would like to address the issue of being blocked from all communication channels. As a consumer, I have the right to information and open communication with credit bureaus. Blocking me from all communication channels is not only a violation of my rights but also hinders my ability to resolve this matter in a fair and timely manner.
Consumer complaint received 2024-04-23
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. (LA)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

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 2024-04-23
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)

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 2024-08-29
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. (PA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-04-23
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. (CA)

I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of as a result of the XXXX, XXXX and Experian data breaches and identity theft. These papers must be frozen immediately until the inquiry is completed, according to FCRA section 605B.
Consumer complaint received 2024-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (GA)

I checked my credit and saw a fraudulent account from CONN APPLIANCES INC opened on XX/XX/2021. I have no knowledge of this account. XXXX says the company is a furniture store located in XXXX. I have been in the XXXX XXXX  in XXXX  for the last 22 years. The account was charged off at {$XXXX}. I filed an FTC report for fraud.