davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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 2024-05-08
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)

Under 15 USC 1681i ( a ) ( 1 ) ( 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 ( 5 ), 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I received a notification stating that there was an unauthorized inquiry from XXXXXXXX XXXX  on XXXX. This unauthorized inquiry has affected my Transunion credit score and is hindering me from using my credit. According to 18 USC 1028A this unauthorized inquiry needs to be removed from my Transunion credit report immediately.
Consumer complaint received 2024-05-08
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. (PA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2019-01-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Fleet Financial, Inc. (VA)

I have an open loan with XXXX XXXX XXXX XXXX because XXXX refuses to give XXXX XXXX them the title. The problem now is, I need XXXX XXXX to apply the loan payment to XXXX   XXXX XXXX XXXX or they need to unwind it, which isnt something desirable for either party.
Consumer complaint received 2024-05-30
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. (TX)

I filed disputes with XXXX, Equifax, and XXXX over 30 days ago regarding inaccuracies on my credit report, listing specific accounts and the violations. They have failed to respond.

The company violated FCRA 623 ( a ) ( 3 ) by not marking the disputed account as disputed and 605 ( c ) by incorrectly reporting the date of last activity instead of the last payment date.

Attached are copies of all letters sent.
Consumer complaint received 2024-05-08
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 15 USC 1681i ( a ) ( 1 ) ( 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 ( 5 ), 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 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I requested a copy of my credit report and there are two addresses that don't belong to me XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Also two inquires that I haven't been authorized by me
Consumer complaint received 2024-05-30
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-08
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 want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-30
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)

I am XXXX XXXX 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 Equifax.
Consumer complaint received 2024-05-30
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)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these account : Syncb/carecredit : # XXXX, However, they stated everything was complete and accurate. But how is that possible if balance and 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. 
Transcript
Consumer complaint received 2024-05-08
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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX and XXXX XXXX  are committing auto dealer fraud and I have reported this to my states attorney general office. I purchased a vehicle from XXXX and was financed through a company called XXXX XXXX 30 days later westlake resend the loan and XXXX assumed the loan without my written consent. XXXX changed the terms as well as forged my signature using an electronic signature. All of this was without my consent. I am not liable for a loan I didnt sign or have any knowledge of
Consumer complaint received 2024-05-08
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. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-08
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. (NY)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (PA)

Innovis is reporting an allege late payment from the account XXXX. I have received no evidence that this is correct and Innovis can not verify this information either because they don not have access to my financial records.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-06-22
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. (TN)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 2024-05-30
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. (SC)

I have sent out several letters to each company requesting copies of my report and asking for inaccurate information to be deleted and updated. I mailed the first letter XX/XX/XXXX, no response. My second letter was sent on XX/XX/XXXX. I have received no response from either credit bureau with the requested information, or any response at all. The inaccuracies on my report are stopping me from obtaining credit and I want them removed immediately. By LAW they are to respond within 30 days, no response has been made after TWO attempts. PLEASE REMOVE THESE INACCURACIES FROM MY REPORT. 

XXXX My ONLY name is : XXXX XXXX My ONLY XXXX is : XX/XX/XXXX My ONLY Social Security Number ends in : XXXX My ONLY address is : XXXX XXXX XXXX XXXX XXXX SC XXXX Please DELETE these inaccurate accounts that are NOT mine. 


XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$150.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$550.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1000.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

EQUIFAX My ONLY name is : XXXX XXXX My ONLY XXXX is : XX/XX/XXXX My ONLY Social Security Number ends in : XXXX My ONLY address is : XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$150.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$550.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$560.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX My ONLY name is : XXXX XXXX My ONLY XXXX is : XX/XX/XXXX My ONLY Social Security Number ends in : XXXX My ONLY address is : XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$750.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 


XXXX XXXX Opened : XX/XX/XXXX Balance : {$560.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I was denied access to my funds even after verifying identity and physically going into a branch. I was told my account was under investigation by the security department and when I was transferred to security department there was no option to release the hold and everyone just said Id have to wait even though I went through all the necessary steps to prove identity. This jeopardized my personal relationships as I had payments to make and after waiting 1 weeks already, I advised each person/company that the payments would be made today!
Consumer complaint received 2024-05-08
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)

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as Experian conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information. 

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for XXXX, Experian, or any furnisher of information to credit agencies to share my personal information. 

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution. 

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports. 

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and XXXX and Experian are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e. 

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. 

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

credit bureaus what was the amount owed on this XXXX XXXX XXXX account label as late payments account # XXXX According to The FCRA is a federal law that gives you the right to dispute inaccurate information that appears on your credit report. 
And this account have reported inaccuracies for a long time time if cant be proven please have this removed because all three bureaus is very inaccurate
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.