davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX   took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN XXXX AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

There are 3 deragatories charged off accounts reporting on my most recent credit report which is 1. XXXX  XXXX  2. XXXX and 3. XXXX XXXX  XXXX. Upon challenging the validity of these accounts, XXXX credit bureau has deleted all 3 of these derogatory Items based on the lack of ability to verify all reported information as being accurate. I noticed that as a result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditors reports the same information to all credit bureaus as expected under FCRA. If this is true, I am hereby requesting the information you used to verify these accounts in writing. If such documents can not be produced, please DELETE these accounts from my credit report immediately.
Consumer complaint received 2024-07-26
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)

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 2024-05-20
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: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$52000.00}
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payment, Ive attached a copy of my report to this compliant. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
Account XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-19
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 was looking through my credit report and noticed that these accounts are not accurate. They violate USC 1581 s-2. I have attached a copy of my credit report showing the inaccuracies and violations. 


" XXXX XXXX XXXX ; XXXX XXXX XXXX ; " XXXX XXXX XXXX XXXX ; XXXXXXXX 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 XXXXXXXX ; are not complete and accurate.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I have wriiten several letters to XXXX, Experian, XXXX and XXXX to have public records removed and deleted from my personal credit file. The most recent letter sent was in XX/XX/2024. It has since been 30 days and l have not gotten a response. All ( 3 ) credit bureaus fail to properly investigate my situation. I have contacted the U.S. Bankruptcy Court who have stated that they do not report to any credit bureau. I have uploaded a copy of the letter sent from the courts. Which l have also sent to all ( 3 ) credit bureaus and XXXX XXXX on several occasions.Therefore the info in my credit file is inaccurate and do not comply with the FCRA 611 ( 15 U.S.C 1681 ) should be removed and deleted immediately.
Consumer complaint received 2024-05-19
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. (IN)

These difficult queries don't belong to me they should be deleted please help me thank you very much. 
XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is one of my many attempts to inform the 3 credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (TX)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
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. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my profound dissatisfaction with the persistent presence of fraudulent account on my credit report. After reporting the identity theft incident, I promptly reached out to the company associated with this fraudulent account. While they acknowledged the validity of the report, they were unable to provide records. However, they assured me that the fraudulent account would be promptly removed upon submission of the required FTC report. 

XXXX XXXX XXXX XXXXXXXX. 

It's important to highlight that XXXX and XXXX have already removed this account from their records after identifying and rectifying an error. I find it puzzling that your bureau continues to verify this account when other agencies have already removed them. I urge you to delete this account from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I demand immediate action to remove this fraudulent account from my credit report, especially since the companies have acknowledged their fraudulent nature and agreed to their removal. Please promptly delete this fraudulent account as they are the result of identity theft.
Consumer complaint received 2019-06-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LDF Holdings, LLC (IN)

Illegal interest rate being charged/collected. Bulk of original pricipal paid before being send to collections. 

At collections at XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Original creditor acct - XXXX XXXX XXXX Acct - XXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX for a loan for the second time by XXXX XXXX. Branch manager XXXX fails to grant an overdraft on my card. On or about XX/XX/XXXX watched a man go in and obtain a loan got {$40000.00} and receive it. XXXX denied a loan for me. Its absurd XXXX issued XXXX lecture instead of empowering women. Beginning of XX/XX/XXXX watched men walk in and obtain a loan for the second time. Need money for self and business and kids. Will not tolerate the financial abuse any longer. This has been going on for over a year. XXXX thinks I am I a game. She needs to be wisen up and treat women with respect. I deserve respect and dignity just as everyone else does.
Consumer complaint received 2024-05-19
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. (NJ)

For the past couple of months I have been attempting to have extra remove any/all late payments or any other unsanctioned action on my consumers report that are not up to federal codes or in compliance with congresss congressional findings. 
As per 15 usc 1666 states that there should be no transactions reported to my consumers report with my consent or authority. I have also asked extra to provide my with the laws granting them the authority to report negative remarks. 
They have not responded. They have not sent any laws rebutting my claim. So I demand they removed the 4 months of negative items which are causing great harm and are not in accordance with federal laws. 
See 15 usc 1681b permissible purpose and definition, as well as 1681c requirements related to information on consumer report.

To add congressional opinions see 15 usc 1692 a-k.
Consumer complaint received 2024-07-08
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. (NC)

Experian continues to report inaccurate information. I am writing to dispute the accuracy of information thats on my credit report. Accordin to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

XXXX XXXX information is still being reported!
Consumer complaint received 2024-05-19
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. (PA)

I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account This company was involved in a class action lawsuit and that they were in violation of the ucc code there was a class action settlement involved with XXXX XXXX  please delete this account off My credit report
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Remove all negative items information is not accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

I have XXXX XXXX XXXX collection accounts on my credit report with account dates of XX/XX/year> and XX/XX/year>. One has a balance of {$1600.00} and the other has a balance of {$890.00}. 

Neither of these accounts are MINE! I have no knowledge of this debt, nor is there a contract or any proof this is my debt. I am a customer of XXXX and then was merged into XXXX for the past XXXX years. 

I demand these collection accounts be removed IMMEDIATELY.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I recently checked my credit report and noticed several items with inaccurate and missing information.These items are negativity affecting my ability to obtain credit.The consumer reporting agencies need to report all information with complete accuracy.I have highlighted the items I dispute on the attached copies of my credit reports. I am now requesting you investigate and provide verifiable proof with records that these accounts are accurate. If the accounts listed below can not be verified as accurate, I demand these accounts be deleted. 
Enclosed are copies of my credit reports supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon as possible. 

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 2024-05-19
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 have reviewed my CONSUMER reports and i noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX, XX/XX/2021 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached
Consumer complaint received 2023-11-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

In XXXX, faced with losing our home we asked for a remodification. In XXXX, after tacking on {$40000.00}, they offered a XXXX XXXX XXXX XXXX remodification. This was after I had submitted 13 packages, all coming back missing documents. I have hired 5 attorneys over the years. On XX/XX/XXXX, a Judge ruled that Bank of America had violated the Arkansas Statutory Foreclosure Act, buy selling our home while we were making payments. I have filed several complaints in the beginning, with Bank of America telling me " They did not have to do anything the government tells them to do. '' So, I sued and I ligated " pro-se '' for years. Now, they want me to summit another loan, with the acceleration as if in full force. This is in Volitation of the Act, the Judge ruled, 'as if we had gone to trial. I believe I would have proved they violated the Tarp Agreement and I would not be still after all there years fighting to keep my home I built as the XXXX XXXX 
, along with my father.
Consumer complaint received 2024-07-05
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. (TX)

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

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 informationisinaccurate.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am 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 2023-11-01
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)

I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-07-05
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. (FL)

THESE SOFT INQUIRIES ARE FRAUDULENT AND DOESNT BELONG TO ME AND NEED TO BE REMOVED. ALSO XXXX XXXX AS WELL THANKS 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 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 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 2024-05-19
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. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX  # XXXX HAS VIOLATED MY RIGHTS. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conerning the invdividual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed and what is wrong with Experian they don'y see the 1099C I included to this message they don't know that they have to remove this account so I'm attaching the 1099c again and demanding this account to be remove. STOP REPORTING CHARGE OFF THE BALANCE IS {$0.00} AND THE 1099C VERIFIES THAT.