davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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)

XXXX XXXX XXXXXXXX ( {$1600.00} ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX - XXXX ( {$320.00} ) XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked to Stop reporting this collection because it is unknown. 

XXXX XXXX - XXXX ( XXXX ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've requested to Stop reporting this collection because it is unknown. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRIES ABOVE, I've asked to Remove this inquiry because of false reporting, it does not meet one of the requirements for the reporting of inquiry.
Consumer complaint received 2021-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person
Consumer complaint received 2024-04-19
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)

EXPERIAN claims to have verified this account however that is a lie. The account XXXX XXXX XXXX account # XXXX is inaccurate. The open date reads XX/XX/XXXX and status update reads XX/XX/XXXX. However EXPERIAN claims they verified this account in XXXX of XXXX. This is an agregious violation. How can this account have been verified if the status update is from XXXX? If this account was verified why is there no activity in the payment section for XX/XX/XXXX? EXPERIAN clearly lied and kept this account on my consumer report without verified the accuracy. Delete this account for inaccurate date open date.
Consumer complaint received 2023-12-19
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 opted out of all authorization written, unwritten, verbal, and non verbal Per 15 U.S.C. 6802. ( letter attached ) privacy act XX/XX/1974. 
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Consumer complaint received 2024-04-19
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. (SC)

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 2024-04-19
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)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-04-19
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. (VA)

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 2024-04-19
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: Experian Information Solutions Inc. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-04-19
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. (NY)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  CO - XX/XX/XXXX
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

It has come to my attention that capitol one still has yet to remove an item from my credit report since 2018 which I never agreed to have them report this and paid it off. Capital one account # XXXX. Section 1681a forbids such actions. Also this was a credit card which was reported for late fees which me and a banker agreed would not affect my credit which was a lie. 15 usc 166a states that any written or oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation etc. 15usc 166b, I never received mail stating that I have grace period. they were also notified by CFPB and they sent me a letter stating that they would not remove the account which been on my account for 4 years illegally. they also allowed multiple entities to steal my money and closed my account for no reason with money in the account. I had no money and the bank told me I had wait days for the money to be released. this bank really stressed me out
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2023 I applied for the mortgage modification/forbearance program with my mortgage servicer, XXXX Mortgage XXXX I was approved and accepted and received an extension through XX/XX/2023 and was instructed not to make payments until then. I was approved and the company even played back a recorded call to confirm that that is what I was told ( see attached ) On my Credit Report, all XXXX major credit bureaus have derogatory information showing that I missed/non payment for my Mortgage with XXXX for XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 Please remove the non payment for those months as I was in a modification/forbearance program and was approved and told by my mortgage company not to make payments during that time. 

I have attached supporting documentation of the mortgage company confirming that a XXXX representative told me to do so and the modification document saying when my first payment will be due. 

This is a bad practice and predatory for the bank to tell me that my credit would not be impacted because I was going through hardship and in forbearance but instead did the opposite.
Consumer complaint received 2024-04-19
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. (IL)

My business account with XXXX was reported late pay on my PERSONAL credit report. I have disputed this with Experian, however the XXXX Account stays on my XXXX report. 

Product : XXXX XXXX credit card.
Consumer complaint received 2024-08-21
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. (AZ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-04-19
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. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (CT)

on XX/XX/2023 I was denied a charge I had attempted for air line tickets. In disbelief I called my credit card company Synchrony Bank and they informed me that I was reissued a new credit card due to a possible Fraud situation. I was never made aware of this nor was I ever in receipt of the new card. They informed me that they sent me a new card on XX/XX/XXXX and on almost a month later ( not activating the card ) they don't follow up? Once again I have never been made aware of this " FRAUD '' situation. So I could stop using the card for purchases and help " them '' control the charges on the account. I also was never notified of me receiving a card, I think this is Fraudulent in its own right. I was also told on the XXXX that there were NO Mangers that I could speak with about this situation and that I would need to call back. I called back the next day during normal business hours to discuss and when I spoke to a manager they told me that they cant overnight me a card so I can conduct business on an orderly fashion. I don't understand what type of company believes that it is responsible to NOT INFORM the card holder that there are Fraudulent charges on his/her account as well as the current card being decline/invalid by a certain date. I think this is just another way for a Predatory ( and this company is predatory with their % rates ) company to mess with the consumer.
Consumer complaint received 2024-04-19
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. (GA)

The company sent stall letters in response to all the disputes I submitted, despite the fact that I provided all the necessary information required to initiate the dispute on my behalf. Additionally, I signed the letter notifying them that it originated from me.
Consumer complaint received 2024-04-19
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. (IL)

I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX XXXX, identified by the Account Number : XXXX
Consumer complaint received 2024-04-19
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX in XXXX NY XXXX, was auto dealership that went bankrupt and was committing fraud with people and my auto loan agreement. They are reporting information on my credit report that is illegal and inaccurate. I co-signed for a car that was repossessed and not in my name, and they are reporting different account balances and information about account on my credit report. Even late payments which is illegal 15 USC 1666b- Timing of payments.
Consumer complaint received 2024-04-19
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)

On XX/XX/XXXX the letter below ( unable to attach ) was sent to Experian via certified mail regarding the account with XXXX XXXX XXXX funding and the inaccurate information that is violating my consumer rights. Experian did not conduct a through investigation and I was told only that said information was accurate. I have also reached out to XXXX and was never provided with the validity of the account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom it may Concern, I recently ran my credit to make a new purchase and noticed a few errors on my report. I am writing to dispute information that is inaccurate and incomplete and does not meet FCRA requirements of maximum completeness and accuracy. I have listed the following errors please conduct a reasonable investigation. 


XXXX XXXX a. Account # : XXXX b. Error : Does not have permissible purpose, 15 USC 1681b, I never initiated a consumer credit transaction with this corporation. To protect my right to privacy and ensure XXXX did not share my information breaching my privacy delete and block this account These errors have caused mental strain and distress. To ensure my right to maximum accuracy please remove these accounts. 

Best regards, XXXX XXXX
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A corporate credit card went into default during COVID. Bank of America refused to continue to wait until the company was able to fully operate again. 
Bank of America started withdrawing all of my funds from my personal bank account, often leaving me at a XXXX balance then charging me NSF and Overdraft fees. 
My constant requests for the contract that they stated I signed authorizing them to do this continued to be denied and I recently found out through an attorney that they are obligated to provide this to me even if they say I already have it.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

This account is past the 7 year mark on my account and should be removed as an old account. I contacted them and they said the account was updated to reflect last updated time frame. This account was opened in XXXX. It's showing a negative effect from XXXX. The account was paid in full
Consumer complaint received 2024-04-19
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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I APPLIED FOR AN AUTO LOAN AND WAS ADVISED THAT XXXX XXXX XXXX XXXXXXXX XXXX IS REPORTING A CHARGE-OFF TO MY CONSUMER PROFILE. THIS CREDITOR HAS WRITTEN THIS ACCOUNT AS A PROFIT/LOSS. I'VE CONTACTED XXXX TWICE PLEADING FOR THE 1099C TO BE ISSUED SO THAT IT CAN BE FILED WITH MY TAX RETURN. I'VE HAD NO SUCCESS AT OBTAINING THIS DOCUMENT AFTER NUMEROUS REQUEST. PER IRS, ONCE THE ACCOUNT IS CONSIDERED PROFIT/LOSS IT IS NOW TAXABLE INCOME FOR THE CONSUMER. 

THIS ACCOUNT IS NO LONGER VALID AND INCOME CAN NOT BE REPORTED ON TO A CREDIT PROFILE. I HAVE CONTACTED THE CREDIT REPORTING AGENCIES ATTEMPTING TO GET THIS RESOLVED. 

REPORTING INCOME TO MY CREDIT PROFILE IS IN VIOLATION OF 15 USC 1681E ( B ). THESE COMPANIES HAVE THE RESPONSIBILTY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER REPORT.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX  has last reported data on XX/XX/2023 so that it will not report that my account has been charged off and closed. Kindly either delete the account or update it to reflect the charge off, the closed status and the correct date of first delinquency along with other required data including that Consumer Disputes Account, Affected By Declare Natural Disaster, correct the Facially False Data that is obvious.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.
Consumer complaint received 2024-04-19
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 told Experian, XXXX, and XXXX to reinvestigate these accounts : Account that i attach bellow However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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.