davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
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)

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, has violated my rights. 
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 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any account listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}.
Consumer complaint received 2024-06-05
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)

Dispute of Inaccurate Information on Credit Report I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as a copy of my credit report please see attached proof provided. 
Please ensure that these documents are taken into account during your investigation. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 

I appreciate your prompt attention to this matter. 

PLEASE SEE ATTACHED
Consumer complaint received 2024-05-06
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: NAVY FEDERAL CREDIT UNION (AZ)

There have been several times that I have tried to apply for a personal loan with Navy Federal, most recently on XX/XX/24. Every time, I am told they are unable to pull our credit reports for my husband and me. We have been banking with them for over XXXX years. We have our checking, savings, credit cards, other loans, certificates, etc with them. They have told me to contact XXXX and resolve any discrepancies. We have no discrepancies on our report. They have told me to contact XXXX and shorten my credit report. XXXX XXXX follows the Fair Credit Reporting Act and will not shorten our bureau. I was recently told on XX/XX/24 that I need to contact XXXX to reset the maximum number of attempts to pull your credit report. Which is absurd. I called and XXXX said they never heard of that. Navy Federal changed from XXXX to XXXX a couple of years ago and ever since then they have had this issue with pulling my bureau. No other company has had any problems. In fact we just did a refinance on my mortgage and they successfully pulled all XXXX credit reports with no issues. This is a system limitation with Navy Federal and has nothing to do with my report or my credit history. They also will not accept a pulled report from me. They tell me they can not move forward with the application without our credit report, but yet this is an issue on their part.
Consumer complaint received 2024-05-05
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 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 2024-05-04
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. (NE)

These Hard inquiries have appeared on my credit report and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (TX)

I have TWO credit inquiries from XXXX XXXX XXXX XXXX for a car loan. 
1.credit inquiry on XX/XX/year> XXXX credit inquiry on XX/XX/year> XXXX
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

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, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2018-09-04
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. (PR)

This is NOT a duplicate complaint. This is a new complaint against the credit reporting agencies. XXXX XXXX corrected my credit report and now is ( 0,0,0 ), but my credit file with XXXX, Xperian and XXXX still appear as delinquent for 30 days. 

The facts are the followings : XXXX gave payment extensions to all clients who needed such relief, after Hurricane Mara hit the island last XXXX. The extensions were for the payments due on XXXX, XXXX and XX/XX/XXXX, and were applied to all accounts in which no payments were made on those specific months. Claimant made the XXXX installment payment, on XX/XX/XXXX ; so he was only entitled to extend payment for the installments due on XXXX and XX/XX/XXXX. Nonetheless, he didn't make the payment for the installment due on XX/XX/XXXX ; until XX/XX/XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF As claimant states that he believed the three installment extension offered by our company covered those due on XXXX, XXXX and XXXX, since he had made the XXXX installment payment before the hurricane hit, we have proceeded to extend his XXXX installment ; thus making his account current and his credit history 0/0/0.
Consumer complaint received 2024-05-04
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. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-09-15
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: EQUIFAX, INC. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-15
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. (MI)

XXXX XXXX XXXX has submitted XXXX late payments on my loan account in error. We were denied us of our vehicle and service contract and the late payments were XXXX by there error on a breached contract. The late payments need to be deleted by XXXX XXXX or a lawsuit will be filed against the XXXX credit reporting agencies directly and they can fight it out with the bank in court amoungst yourselves. 

To note this case is not in litigation. Has NEVER been In
Consumer complaint received 2024-05-04
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)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TN)

XXXX XXXX CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Verification of Debt - XXXX Dear CREDENCE RESOURCE MANAGE, I am writing to request verification of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) ( Section 809 ( a ) ). Specifically, I request that you provide me with the following : XXXX. The amount of the debt ; XXXX. The name and address of the original creditor ; XXXX. The date of last payment ( if applicable ) ; XXXX. A statement indicating that the debt is valid and accurate ; XXXX. A signed verification or affidavit from the original creditor or an authorized representative, confirming the debt 's validity ; XXXX. Any and all contracts or agreements between us, including but not limited to : - The original contract or agreement ; - Any subsequent modifications or addendums ; - Any assignment or transfer agreements ; Please note that sending contracts and statements without a signed verification or affidavit is not sufficient to meet the legal requirements of verification. I require a separate, signed document specifically confirming the debt 's validity. 

If you can not verify the debt, you must : * Cease collection activities ( 15 U.S.C. 1692g ( b ) ( Section 809 ( b ) ) ) ; * Notify me that the debt is unverified ; and * If the debt is on a credit report, request that the credit reporting agency delete the debt ( 15 U.S.C. 1692g ( b ) ( Section 809 ( b ) ) ).

Failure to verify the debt or attempting to collect an unverified debt may be a violation of the FDCPA, including but not limited to : * 15 U.S.C. 1692e ( 8 ) ( Section 807 ( 8 ) ) ( false or misleading representations ) ; * 15 U.S.C. 1692e ( 10 ) ( Section 807 ( 10 ) ) ( unfair or unconscionable means ) ; * 15 U.S.C. 1692f ( Section 808 ) ( harassment, oppression, or abuse ) ; * 15 U.S.C. 1692k ( Section 813 ) ( liability for damages, costs, and attorney 's fees ).

Please provide this verification and any contracts or agreements within 30 days from the date of this letter. If I do not receive verification, I will assume the debt is invalid and may take further action to protect my rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-08
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. (CA)

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 2024-05-05
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. (NY)

I sent a multiple disputes regarding the inaccurate information on my credit report. It has been more than 30days and I received no response or resolution. I want to reiterate that XXXX with the account number XXXX is reporting 100 % incorrect. This account is always paid on time and never been late. According to the provisions outlined in 15 USC 1666B, I believe these discrepancies constitute billing errors. It's important to note that I have consistently paid this account as agreed and on time. Therefore, the presence of these errors is concerning and appears to be in violation of regulatory standards. I have observed discrepancies in the reported balances and dates associated with this account. 

There is also a unauthorized inquiry on XXXX, I never made any transaction with XXXX dated XX/XX/year> this is 100 % inaccurate.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (OH)

This is in regards to the paypal credit account I had with you guys, closed in XXXX. Last year, I requested a goodwill deletion. That was understandably declined. 

However, early this year, I requested that the account be removed in it's entirety. This is a much more reasonable response. I spoke to customer service multiple times, and they eventually agreed and stated that a letter would be mailed to the credit bureaues to have this account removed. I have uploaded the letter they sent me. I also have one of my conversations with your customer service rep recorded ( she consented to be recorded ), where she CLEARLY states the account would be removed. 

Well, that never happened. I spoke to XXXX and they never received such a letter. I tried calling you guys back, but I kept getting the runaround and no clear answers. 

Bottom line- I was explicitly told this account would be removed. It was not. You told me it would, so this letter needs to be sent to the credit bureaus. You told me you'd remove it, so remove it.
Consumer complaint received 2018-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: United Student Aid (USA) Funds (PR)

I paid in full the amount of {$4600.00} to XXXX XXXX XXXX on XX/XX/2018 after an agreement was reached with loan owner XXXX XXXX XXXX XXXX/USA Funds. XXXX informed that I will received a loan cancelation letter after 30 day of payment. I contacted XXXX on XX/XX/2018 and they confirmed payment was received and send to XXXX XXXX XXXX XXXX but they could not provide more information and that I have to contact XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they informed I have to contact XXXX XXXX XXXX XXXX XXXX XXXX because they are the loan owner. I don't have any information that names XXXX XXXX XXXX XXXX XXXX as the loan owner. After calling to 6 different phone numbers and contacting XXXX XXXX XXXX XXXX XXXX, I when back to XXXX XXXX XXXX XXXX which was unable to provide information on when I will receive a cancelation letter. These companies harass and play the game of exhausting ( " hot potato '' ) the people without any consequences and what is worse they keep doing business as usual with the government.
Consumer complaint received 2024-05-04
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)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-05-08
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. (CA)

I have an open dispute with Experian regarding XXXX XXXXXXXX XXXX fraudulent collections report. When I try to log in to Experian to view my credit report and general account with Experian they try to force me to enter a credit card and pay them {$25.00} for a membership. I do not want a membership, I want to access my information that I am legally entitled to access. When I call their " help '' number its incompetent automated system does not give me the option to resolve the issue and just loops around to the same questions and options. This company is willfully denying consumers access to their credit reports in order to extort fees out of them.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

Approximately on XX/XX/year>, an unknown person opened a store credit card under my name in another state ( Massachusetts ). That account was sent to a debt collection agency under the name of XXXX XXXX XXXX for an amount of {$1800.00}. This account was not opened by me and I have never resided in that state, nor do I know anyone in that state.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-06
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX EXPERIAN COMPLIANCE DEPT RE : NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : 1 ) XXXXXXXX XXXX XXXXXXXX {$230.00} No privacy disclosures provided. DELETE immediately Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does EXPERIAN allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that EXPERIAN PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). 

Experian and XXXX XXXX are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses 1 ) XXXX XXXX XXXXXXXX {$230.00} No privacy disclosures provided. PLEASE immediately. 

XXXX XXXX