davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (IL)

WESTLAKE FINANCIAL SERVICES has ruined my credit report by inaccurately reporting a closed auto loan on my XXXX credit report. They inaccurately reported 90 days past due and 37 months in CHARGED OFF status which has completely ruined my otherwise perfect credit score. I was sold a car that needed several repairs that I had no knowledge of and I still never missed a payment on that auto loan for account number XXXX. I voluntarily surrendered the vehicle which should have closed out that auto loan on my credit report with " voluntarily surrendered '' for the status. I currently have another open auto loan with WESTLAKE FINANCIAL SERVICES that I have never missed a payment on. WESTLAKE FINANCIAL SERVICES has violated my rights and grossly misreported a closed charged off auto loan onto my XXXX credit report. I demand you remove this account from my credit report otherwise I will seek legal counsel. I have tried calling WESTLAKE FINANCIAL SERVICES customer service number and kept being put on hold leading to them just hanging up the phone on me. WESTLAKE FINANCIAL SERVICES operates extremely inefficiently and does not do good business.
Consumer complaint received 2024-04-30
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. (PA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

FCRA 605B, in my understanding, necessitates the deletion of any incorrect accounts from my credit report. Can you verify the documents? Some of the accounts listed contain inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2023-09-18
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. (FL)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
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. (PA)

I have always made my payments on time, and I am certain of this. What I am not sure about is why this company is reporting me as late in certain months, which should not be happening. According to USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-08-30
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity which is considered to be fraudulent activity. 
Please see identity theft report attached XXXX Account ending in XXXX XXXX Account ending in XXXX Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts on my credit report and inaccurate information on my account. This information is fraudulent and not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (CA)

Equifax.com states that I tried to log in too many times and locked my account. I telephoned working with their customer service representative to verify my personal information and asked that mycredir file be unlocked. The CSR asked me to check if a VPN was in effect on my mobile device. There is no VPN on my mobile device in effect. I asked a fraud alert be placed on my credit file with Equifax.com. The CSR placed a fraud alert on the credit file effective one year or until I ask it be removed. 

I reset the password. Still the website is not allowing meto access my credit file Similarly my credit score with XXXX XXXX XXXXXXXX XXXX was dropped some XXXX +points over a less than one week period of time for unsaid reason. I checked my information for my personal checking account with XXXXXXXX XXXXXXXX and it said something like credit ratio to credit charges due imbalanced above XXXX XXXX XXXX 

I have 2 credit cards. The credit card in question I paid thern the entire balancedueof slightlyless than {$200.00} or I remitted {$190.00} last week. I used the card flowing payment and that's thereSon that is written on my XXXX XXXX credit file and then XXXX dropped the credit score to XXXX. 

Equifax I was told the day before yesterday has prevented my being able to get acreditapproval to relocated an apartment from a hotel room where I have bern calling it home now plus 8 yearshere in XXXX XXXX XXXX XXXX XXXX. This is collusion to keep my down this way andu fair treatmentof a customer and client. Simply it is an unfair situation where I played above board fair with both XXXXXXXX XXXX and Equifax com.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
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. (CO)

I consistently ensure that I pay on time, and I am sure of this. However, what I am unsure about is why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2017-03-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MP)

In XX/XX/2005 I obtained a home equity mortgage loan for {$46000.00} limit. I have been making all payments as required by EFT until the lender stopped taking the payments. I now believe the term of 10 years was apparently up. The lender now reports my loan delinquent which completely prevents me from refinancing. There were no warning signs along the way to let me know I would have to refinance or make other arrangements. The lender is now initiating foreclosure which I see as a way for them to steal my home legally. 
A should offer to reschedule or refinance the balance of {$23000.00} so I can resume payments.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Request for Deletion of Incorrect Personal Information - 15 USC 1681s-2 Dear Experian Credit Team : I am writing to dispute the accuracy of personal information contained in my credit report, which I believe to be incorrect. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681s-2, I request that you delete the inaccurate personal information from my credit report. 

Upon reviewing my credit report, I discovered the following inaccuracies in my personal information : 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  These inaccuracies are detrimental to my ability to access credit and may result in incorrect reporting to potential lenders. Therefore, I request that you promptly delete the incorrect personal information from my credit report. 

The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information in consumer credit reports. As such, I trust that you will take immediate action to correct this error and ensure the integrity of my credit report. 

Please provide me with written confirmation once the inaccurate personal information has been deleted from my credit report, as well as any additional steps taken to rectify this matter. 

Thank you for your prompt attention to this issue. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I am writing to request the deletion of a closed paid off account from my ChexSystems report XXXX The account in question is XXXX, which was closed and paid off on XX/XX/year> I understand that ChexSystems provides valuable information to financial institutions to help them make informed decisions about new account openings. However, the presence of this closed paid off account on my report may adversely affect my ability to open new accounts or obtain certain financial services. 

I would like to emphasize that the account in question was satisfactorily settled, and there are no outstanding balances or issues associated with it. As such, I kindly request that you consider removing this entry from my ChexSystems report at your earliest convenience. 

Enclosed with this letter, please find relevant documentation supporting the closure and payment of the account, including [ List any supporting documents you are including, such as payment confirmation, closure confirmation, etc. ]. 

I appreciate your attention to this matter and your assistance in resolving it promptly. If you require any further information or documentation, please do not hesitate to contact me at the above-mentioned contact details. 

Thank you for your time and consideration.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
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. (FL)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-08-27
Product: Credit reporting 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. (MS)

Fraudulent account XXXX XXXX XXXX Reported : XXXX XXXX, 2023 - {$690.00} Closed Should not be on my credit it also is showing late payments an it's affecting my XXXXredit score That's fraudulent account
Consumer complaint received 2024-05-01
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2017-03-13
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

This is a complaint towards XXXX and XXXX XXXX XXXX. She visited my workplace to inform me that she needed my information for reference and to use my checking account to deduct the first payment since my brother who was requesting the car loan did not have one. The rest was going to be paid by him. I asked various times if this was going to impact my credit and she said NO. I informed her that my credit CAN NOT BE USED for the car loan and she repeated that it was not going to be touched. When I went to get a loan to fix my house I noticed that my credit was impacted and I called her and also spoke with her supervisor XXXX XXXX and they told me it was too late and that they could not help me. They used me to help close a car loan without informing me correctly and I did not authorize it.
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

Let me start stating that this is the third time that I submit a complaint against Banco Popular de Puerto Rico. I own an apartment and unfortunately the financial institution that first gave me the mortgage does not longer exists. Because the economic situation in XXXX my apartment cost less than the amount I own to the bank and they said they can not offer me a refinance option. I got a letter on XX/XX/2015 stating that the only option I had was to contact lost mitigation, which I did. The person that evaluated my case told me that I was not eligible for a modification to my mortgage because I had an income deficit. I called back today after modifying my monthly expenses and I am still not eligible for the modification. I even included my husband 's salary as they suggested the first time we talked. How come they said I do not have the means to pay if I have been paying this apartment for the last 10 or so years? What I want is for Banco Popular de Puerto Rico to modify my mortgage loan or to give me a streamline mortgage or anything that does not include surrender my apartment to them, which was the only option the person on the phone gave me.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have disputed my account to experian numerous amount of times at least XXXX disputes pertaining them reporting false information about the allege balance and late payment for CHILD SUPPORT ENFORCEMENT. The first issue I had at hand when I made my first disputes in XXXX & XXXX was that any account that is reported to my credit report shall have began with a crest transaction I never ran my credit or agreed to be on child support. XXXX has already declared this as unconstitutional and labeled as wrong doing. The second issue I had was I had full custody through the courts of my child from the XXXX period and I provided court documents showing this to CHILD SUPPORT ENFORCEMENT & EXPERIAN. CHILD SUPPORT ENFORCEMENT suspended my order and payments in XX/XX/XXXX after I had an incident with the law due to this false reporting. Now in XX/XX/XXXX CHILD SUPPORT ENFORCEMENT still garnished half settlement check I received for XXXX & updates the balance as {$0.00} paid and currently suspended. They sent me proof of this by mail which was apart of my dispute with Experian and I also played a voice recording over the phone for Experian of a representative from CHILD SUPPORT ENFORCEMENT stating that my account was at current. For some reason Experian decided to update my account XXXX to {$0.00} with a potentially negative. Now currently when I log back into my Experian account they put back the false information stating that I owe {$1700.00} and potentially negative. This has effected my ability to receive new credit opportunities this has effected my mental health and I have been falsely arrested due to this ignorance that had my drivers license suspended in the system inaccurately. My next step is going to court and making this a legal matter so I hope you can assist in fixing this issue and restore my credit.
Consumer complaint received 2023-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

The problem is I want to pay with the debit card and not my bank account.they keep harassing me in a clandestine way and I just hang up. I will pay the money, thats not a problem but harassing me in a clandestine way is not doing make the issue better. Its getting worse.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing a formal complaint against XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : XXXX XXXX XXXX XXXX : {$1600.00}
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (NY)

Under 15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Also, ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.