davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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: EQUIFAX, INC. (CA)

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 XXXX, 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 XXXX 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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2019-06-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I wonder where XXXX and Experian get the bankruptcy status on my XXXX XXXX XXXX. I have never filed a bankruptcy. XXXX did not even report it this way. Not to mention, XXXX   and Experian wont fix the account after sending numerous letters and they wont give me an explanation as to why..CFPB please step up and remove this error
Consumer complaint received 2024-05-21
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. (MI)

I was a victim of unauthorized inquiry reporting, and this is another request to remove the items from my credit file resulting from these unauthorized inquiries. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you must remove these items no later than 4 business days after XX/XX/XXXX. I have included this report in my previous complaint and am including it again. Additionally, the information you provided on these items is unknown to me and has been deleted from other bureaus, which leads me to question their accuracy : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX. This communication serves as your final warning. If you do not remove the listed items from my report, I will initiate legal action. I have informed my attorney of my intentions, and they are prepared to hold you accountable for any willful noncompliance. Please remove the items resulting from unauthorized inquiry reporting. Thank you for your prompt attention to this serious issue.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (PA)

As per my previous complaint states, Ally is inaccurately reporting my loan that was paid in full. They marked it as disputed and its being reported disputed and included in XXXX XXXX XXXX. Ally themselves states my account was paid in full. They stated during the process of my bankruptcy I continued making payments. I also signed a waiver from Ally. This account was paid and not included in a bankruptcy. My bankruptcy was XXXX XX/XX/2021, and I continued to pay the loan until XX/XX/2021 when the loan was paid in full.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

Tried contacting/ Disputing with XXXX , was given no help. Put negative makes stating I was 30 days late when the account was charged off and sold to another company back in 2015. Public records still stating that the account is still owed
Consumer complaint received 2024-05-21
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. (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 2024-05-21
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)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-11-02
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account/items was in dispute within XXXX days now this account in violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-21
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. (NJ)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2023-11-03
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. (SC)

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.

has violated my rights. Or 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 2024-05-20
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. (NV)

The following unauthorized inquiries and incorrect addresses are hindering my credit and affecting my ability to get approvals and verify myself. 

Inquiries : XXXX XXXX XXXX XXXXXXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXXXXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXXXXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXXXXXX XXXXExperian XXXX XXXX XXXX XXXXExperian Incorrect addresses : XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX 2002 XXXX, NV XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

XXXX  Please investigate this matter and correct the inaccuracies on my report. I would appreciate a response within 30 days of receipt of this letter. 

delete Unpaid XXXX Closures in Last 4 Years : {$000000000.00}
Consumer complaint received 2024-05-20
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. (FL)

There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.
Consumer complaint received 2024-05-20
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment information reported by XXXX, Experian, and XXXX on a XXXX XXXX XXXXXXXX account XXXX Account # XXXX XXXX ) that does not belong to me. 

Below are the specific details of the account as reported by each bureau : - **XXXX** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$1000.00} - High Credit : {$1000.00} - Credit Limit : {$700.00} - Past Due : {$1000.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Canceled by credit grantor ; Account has been closed due to inactivity ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - **Experian** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$1000.00} - High Credit : {$0.00} - Credit Limit : {$700.00} - Past Due : {$1000.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Canceled by credit grantor ; Account has been closed due to inactivity ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I have never opened or authorized this account. As such, the information reported is inaccurate and must be corrected or removed. 

I request that the CFPB investigate this matter and instruct XXXX, Experian, and XXXX to remove the incorrect account information from my credit reports. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-06-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I wonder where Equifax and XXXX get the bankruptcy status on my XXXX XXXX XXXX. I have never filed a bankruptcy. XXXX did not even report it this way. Not to mention, Equifax and XXXX wont fix the account after sending numerous letters and they wont give me an explanation as to why..CFPB please step up and remove this error
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXXXXXX XXXX XXXX  XXXX **Subject : Complaint Regarding Missing Credit Report Information from Experian** Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding Experian 's failure to report my credit information accurately. Despite maintaining multiple credit accounts in good standing, my Experian credit report is either missing or incomplete, which is impacting my credit score and overall creditworthiness. 

According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to have accurate and complete information reported in their credit files. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that credit reporting agencies must investigate and correct any inaccuracies or incomplete information within 30 days of a dispute being filed. 

I have contacted Experian multiple times to resolve this issue, but my efforts have not yielded satisfactory results. The lack of accurate reporting on my Experian credit report is causing significant inconvenience and potential financial harm. 

I request the Consumer Financial Protection Bureau to investigate this matter and ensure that Experian updates my credit report with accurate and complete information in accordance with the FCRA. 

Please find attached documentation supporting my claim, including my credit reports from other credit bureaus and correspondence with Experian. 

Thank you for your prompt attention to this matter. Please keep me informed of the progress and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MD)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2019-06-18
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)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-20
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)

Incorrect name
incorrect addresses
FRAUD NOT ME NOT MINE PLEASE REMOVE
Credit bureau reporting 
XXXX XXXX
POTENTIALLY NEGATIVE
Balance
Balance updated
XXXX
POTENTIALLY NEGATIVE
Balance
XXXX
Balance updated XXXX XXXX XXXX
XXXX
POTENTIALLY NEGATIVE
Balance XXXX
Balance updated
XXXX XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
XXXX
Balance updated XXXX XXXX XXXX XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
XXXX
Balance updated
XXXX XXXX XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE
Balance
XXXX
Balance updated
XXXX XXXX XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE
Balance
XXXX
Balance updated XXXX XXXX XXXX
XXXX
Balance
Balance updated
XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE
Balance
XXXX
Balance updated XXXX XXXX XXXX XXXX  LATE PAYMENT
Balance
Balance updated
XXXX XXXX
Balance updated
Collections XXXX XXXX XXXX
Original creditor XXXX XXXX XXXX XXXX
Balance
XXXX  Balance updated XXXX XXXX XXXX XXXX XXXX XXXX
Original creditor
XXXX XXXX
Balance XXXX
Balance updated
XXXX XXXX XXXX
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. (CA)

I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Experian is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.
Consumer complaint received 2019-06-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: M&T BANK CORPORATION (PA)

On XX/XX/XXXX, my vehicle was struck by another driver who was trying to complete an illegal U-turn on a four-lane highway. My vehicle was deemed a total loss by my insurance on XXXX XXXX. Since XXXX XXXX, I have made several calls to M and T Bank ( finance company ) regarding assistance with XXXX XXXX XXXX ( my Gap Insurance ). My finance company indicated that after my automobile insurance payment the remaining balance was XXXX. I submitted the information to my gap insurance carrier and they only agreed to pay {$3600.00}. If this was correct, I would still be out of pocket {$3300.00}. In addition, the gap provider known as XXXX XXXX XXXX indicated that I missed several payments that were actually paid. 

For instance, Gap reported no payments for XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX. 
XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was paid on XX/XX/XXXX I submitted payment history to the Gap carrier, and they are not willing to review it. The Gap insurance advised me that M and T was not accurately applying my payments and indicated that some payments were applied to interest only. In addition, the Gap carrier indicated that I was charged interest for some payments when I shouldnt have been ( as some payments were made during the 10 day grace period ). 
M and T indicated that the Gap Insurance shorted me {$1600.00} and I've requested documentation from M and T to send back to the Gap carrier but they have not been willing to provide it. 

I'm requesting that M and T to help me resolve the issue its almost two months. Ive been hung up on, promised call backs that were never received, transferred back and forth, and now I need both parties Gap and the Finance company ( M and T ) to help me resolve the issue and review all appropriate documents.