davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my 2nd 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$75.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/23 I sent a certified letter to this credit reporting agency disputing multiple derogatory items found on my credit report. According to my tracking information, my letter was delivered or picked up on XX/XX/23. 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I should have received an update on the investigation results within 30 days beginning when my letter was delivered to them, which I have not. 

To date ( 30+ days ), I have not received anything from this credit reporting agency in regards to my letter, not even a reply stating they have received my letter and would be investigating the items found in my letter. 

In my letter I requested the following : 1 ) Update my current address 2 ) Remove my previous address 3 ) Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-25
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. (FL)

Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom It XXXX Concern : You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 Section 602 A. Clearly states that I have the right to Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting clearly states that I have the right to Privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

XXXX XXXX
Consumer complaint received 2024-05-25
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. (PA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$970.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 

Furthermore, I suspect a violation of my XXXX Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the XXXX Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and mental health. The Accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The account is illegally publishing derogatory and inaccurate information on my consumer report.
Consumer complaint received 2024-05-25
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. (NY)

I am writing to express my deep concern regarding the delayed correction of open accounts in our system. However, the recent delays in rectifying late open accounts have been highly inconvenient and have impacted my confidence in your services. Despite repeated attempts to address this issue through various channels, including emails and phone calls to your customer service department, there has been no satisfactory resolution or even acknowledgment of the problem. This lack of responsiveness is unacceptable and reflects poorly on the level of customer care provided by your organization. 

I want you to assist me to take immediate action to rectify this situation. It is imperative that the late open accounts are corrected promptly and that measures are implemented to prevent similar delays in the future. Additionally, I expect a formal apology for the inconvenience and frustration caused by this oversight. Please provide a detailed plan of action outlining how you intend to address this matter and prevent recurrence. I also request regular updates on the progress until the issue is fully resolved. Please help me correct these late open accounts immediately : XXXX OF XXXX XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$750.00} ; XXXX XXXX Balance : {$2500.00}.
Consumer complaint received 2024-06-04
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (AL)

On XXXX I went into XXXX XXXX Car dealer in XXXX XXXX, Alabama to inquire about leasing a XXXX, after lengthy conversation With salesman ... decided to try for one and was told it would only require 1 credit pull ... as I waited to see I started getting multiple alerts that my credit was being pulled, went into sales office and asked what was going on and was informed they turned down the lease and they were running my credit with lenders for purchase ... I was furious as I did not ask nor want that ... I never signed or filled out an app for purchase nor did unauthorized any type of credit pulls for this, sales said they just thought I would want this and admitted fault ... said they would reverse the inquiries but have not done it yet... They had no buisness playing with my social this way and asked me to leave there buisness when I busted them on it... there is nothing in the form of paper work as I signed nothing
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-02-20
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)

XXXX XXXX XXXX sent me a letter back on XX/XX/2024 threatening to repossess the vehicle. Meanwhile XXXX XXXX XXXX can not Validate the debt at this time according to XXXX XXXX XXXX. A Cease and desist was placed on the account. XXXX XXXX XXXX are still adding fees, falsely stating that a confirmation number given to me is my previous account number when it is not, and also making negative remarks on my credit report. Meanwhile, XXXX XXXX XXXX can not provide Validation at this time. It's been more than 30-45 days now. Send Validation of debt and the correct account number. Until then, since a cease and desist is in place by XXXX XXXX XXXX, no remarks or inaccurate reports should be placed on my credit report.
Consumer complaint received 2023-11-19
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. (CO)

To Whom It May Concern, The Company Was Put on Notice with the Delivery of the Following USPS Mail Tacking Number : XXXX I, XXXX XXXX In representation of XXXX XXXX XXXX, XXXX Beneficiary, claimant, am writing to inform EQUIFAX, XXXX XXXX XXXX that XXXX XXXX has been reported as a victim of defamation, financial injury, and violations under FCRA Section 605 ( c ) and Section 611 Part ( A ) ( 1 ). This notice is not an attempt to dispute any part of these fraudulent accounts but a legal and lawful demand. Therefore, I am not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA. XXXX XXXX has not presented a valid contract with a signature, although it has been requested in the previous affidavit. I want to make it clear that I am reserving all rights under my consumer credit profile with your company as a consumer under the Fair Credit Report Act. EQUIFAX, XXXX XXXX XXXX do not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by the consumer or any other reason under 905B ( c ). Kindly send notice if EQUIFAX, XXXX XXXX XXXX declines to block information and provide proof of your claim supported by an affidavit that NAME HERE misrepresented any fact contained herein. Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful/negligent non-compliance, making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial Law, 14-1213 for actual and punitive damages along with attorney fees. I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of Colorado for your non-compliance with federal and state law. Please govern your actions accordingly and send a corrected report promptly. Parties are subject to fines and a minimum of {$1000.00} per fine under the FCRA ( Fair Credit Reporting Act ). Sincerely, XXXX XXXX XXXX, XXXX Beneficiary In representation of XXXX XXXX, claimant.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (PA)

After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to temporary financial difficulties, I unfortunately got behind on my payments and was unable to meet my obligations. 
However, since then my situation has greatly improved and I am in the position to recompense this debt. 
I am willing to pay AMERICAN EXPRESS 12 payments a month equalling the amount of {$6800.00} provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all creditreporting agencies upon my final payment. 
I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

To date, the Infiniti Automobile Leasing Company has incorrectly reported to the credit bureaus that I owe XXXX dollars as a balance on a leased vehicle and has further reported that this matter is current. 

On XX/XX/3017, I XXXX XXXX XXXX XXXX entered into a contract to purchase a XXXX  motor vehicle from the car dealership of XXXX of XXXX XXXX XXXX XXXX, XXXX, California. At that time, the sales personnel agreed to pay the remaining balance owed on a vehicle that I was leasing from Infiniti of XXXX XXXX, XXXX. 
On XX/XX/, I signed an agreement to purchase the new vehicle from Infiniti of XXXX XXXX, contingent on the dealership paying the remaining six-month balance on the vehicle that I was leasing from Infiniti of XXXX XXXX XXXX XXXX. 

As a result of my agreement with Infiniti of XXXX XXXX, XXXX, I purchased a new vehicle from Infiniti of XXXX XXXX, XXXX and this dealership took possession of my leased vehicle, and the dealership began making payments on my leased vehicle.
Consumer complaint received 2024-06-04
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 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 2024-05-25
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. (MI)

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a complaint against Experian for failing to correct an inaccurate late payment entry on my credit report for XX/XX/2023 with XXXX XXXX XXXX XXXX ( XXXX  ). This is my second attempt to resolve this issue. 

Despite my dispute and supporting documentation, Experian has not addressed this error. According to FCRA USC 1666b, this late payment should not be reported. 

I urge the CFPB to intervene and ensure Experian corrects this mistake promptly. 

Thank you for your assistance.
Consumer complaint received 2024-05-25
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. (MI)

I sent a copy of the FTC report, and it has come to light that XXXX credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following documents listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.