davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed inaccurate names, addresses, and employment information. 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 concerning the individual about whom the report relates. These names, addresses, and employment information : NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. EMPLOYMENT INFORMATION : XXXX XXXX, XXXX XXXX, are inaccurate. According to 15 USC 1681s-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.
Consumer complaint received 2024-06-11
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. (UT)

I would like to follow up and formally escalate a persistent issue regarding late open accounts that remains unresolved despite multiple attempts to seek resolution. I have previously submitted complaints on [ list dates of previous complaints ], but the problem persists, causing significant inconvenience and frustration. Despite my repeated efforts to address this matter, I have not received a satisfactory resolution. I request immediate attention to rectify this situation. Please provide a timeline for resolving this issue and any steps being taken to prevent its recurrence. I expect a response within the exact timeframe. I request regular updates on the progress of the correction process to ensure timely resolution. The following items should be correted as soon as possible : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2024-05-23
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. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2024-05-23
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-11
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. (SC)

I tried several tiimes to fixed this problem I'm sending dispute letter but the 3 creddit bureaus alway refused my letters. I ready feel stress regarding this problem Please delete the following inquires below. Please make an action or else I will file a case. 
Here 's the list of the unauthorized inquiries I want to delete asap 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 2024-05-23
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. (VA)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX, XXXX. XXXX
Consumer complaint received 2024-06-11
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I did sent a letter to XXXXXXXX XXXX XXXXXXXX last XX/XX/year> because XXXX, EXPERIAN and XXXX is reporting 100 % incorrect XXXX XXXX XXXX Reference # : XXXX. I received a response from XXXXXXXX XXXX  XXXX stating that the XXXXXXXX XXXX  XXXX does not report any information to the credit reporting bureaus. It stated in the letter as well that credit reporting agencies may not report a XXXX case.
Consumer complaint received 2024-06-11
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. (PA)

This complaint is in response to many attempts to have EQUIFAX update my consumer report as it relates to my credit accounts dating back to at least 2022. I have a right to have my consumer report reflect a 100 % accurately. There are at the very least 9 accounts that should be reflecting on my consumer report that isn't.
Consumer complaint received 2024-06-11
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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.

( 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.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2019-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I deposited {$20000.00} into my savings account at Bank of America. On XX/XX/XXXX, XXXX XXXX withdrew the {$20000.00} from the account the check was written on and Bank of America put a hold on the funds for 10 days until XX/XX/XXXX. 

I called Bank of America on XX/XX/XXXX at XXXX am XXXX and spoke with XXXX and her supervisor XXXX XXXX who gave me her employee number : XXXX ). I was told that the money had not been verified by XXXX XXXX and the hold would be in place for 10 days. 

On XX/XX/XXXX at XXXX am XXXX, I spoke with XXXX at the XXXX XXXX XXXX and asked to speak with a supervisor because she would not be able to help. XXXX XXXX was the supervisor who came on the line. I asked for his employee number and he told me that they do not have employee numbers. Either he or XXXX intentionally lied to me while I tried to resolve this issue. XXXX informed me that funds have not been verified and no funds were received after four days. Not a likely scenario given the electronic nature of banking. 

XXXX XXXX and/or Bank of America is using the legal deadline of 10 days to profit off of my money. Since the money is in neither my savings account nor the checking account from which the check was written, the banks for nine days are using the money for their own profit. This is unethical, immoral and designed to exploit the under privileged and minorities, who use personal checks to a greater degree. 

Please stop this practice, since in this day with the automation in the banking system there is no valid reason to hold funds for ten days after the funds have been removed from the account from which the check originated. While the ten-day hold is there to ensure funds are available in the originating account, once the funds have been withdrawn from that account there is no need for the extended hold. The only purpose is to enable one or both of the banks to profit off of their clients money. XXXX XXXX has a reputation of abusing their clients. This matches their modus operandi. 

I am asking that the XXXX stop excessive holds banks use to profit on money that is not their own. 

Thank you for your time and effort in this matter.
Consumer complaint received 2024-05-23
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. (OH)

I took out a car loan with XXXX XXXX XXXX a few years back and got an XXXX XXXX was my dream car that I saved up for and put a down payment on it. I was told that the XXXX was a great car with no problems.i test drove and it was pretty much ok then problems start to occur with car..I took back to dealer within the first 2 weeks and complained the car was not up to par as dealer promised me..he then told me to pay for a warranty with I was under warranty because I didnt have car for 30 days..I paid for warranty as instructed al to come across more problems with car. I told dealer that the car wasnt what he explained it to be the car was a problematic car and a big hassle.so I asked can I turn car in for another car..the dealer said yes and I got a XXXX  from him witch I paid another down payment on and I later find out the dealer did not leave me in good standings on my account witch I was not at fault..Im a good customer that came to buy goods that wasnt good..whatever he did is affecting my Credit tremendously in a negative way..I disputed with credit company and I also disputed it with XXXX XXXX XXXX and nothing has happened so far..I was taken advantage of and sold a lemon and miked out of thousands of dollars
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2024-05-23
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. (IL)

there are a series of unauthorized Inquiries on all 3 of the credit reporting companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I want these inquiries deleted.
Consumer complaint received 2024-05-23
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: Experian Information Solutions Inc. (CA)

I requested that my phone number be entered into my personal consumer statement and they're refusing to do it they're using a number that's located in XXXX and it is an actual number that is fraud that number does not belong to me and I requested that my actual phone number be listed and that I am to be contacted before any credit could be released or given to anyone there's a lot of misspellings in the statement that was taken as well
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

After reviewing my credit report, i noticed that there were some accounts listed that do not belong to me. I've never seen or heard of these companies before. 

XXXX XXXX XXXX, balance {$180.00} posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$6600.00} posted on XX/XX/XXXXXXXX XXXX XXXX XXXX, balance {$0.00} posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX balance {$1900.00} posted on XX/XX/XXXX
Consumer complaint received 2024-06-11
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)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-05-23
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. (IL)

I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. USC 1666b states that any billing errors should be corrected swiftly.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to dispute certain item on my credit report as they were the result of fraudulent activity that occurred while I was a victim of human trafficking. Under the Trafficking Victims Protection Act. ( TVPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these inaccurate and fraudulent account from my credit report.I am requesting this account to be blocked and removed within XXXX business days : XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I paid my XXXX XXXX account off on XX/XX/24. They stated if I entered into a payment arrangement {$24.00} would be forgiven and they would report this to the Credit Bureau as paid in full. Also it was a payment arrangement for 1 day. I have all the proof to support my complaint. XXXX XXXX refused to send me a paid off letter and I was told to use the email I received in regard to making the payment. I sent this info to Experian 2 different times, 2 different disputes and they refuse to correct it on my credit report. They keep stating on my credit report that I have a balance due of {$24.00} and that is not correct. How is it a balance due if the {$24.00} was forgiven. At this point I just paid the {$24.00} to XXXX XXXX even though it was forgiven since Experian refused to correct my credit report. I will be reporting Experian and XXXX XXXX to the XXXX  as well. I am just trying to get my credit in good standing and pay my debts, but Experian is making this really hard for me and maybe others. This is really disgusting that Experian is allowed to do this to people.
Consumer complaint received 2024-05-23
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 recently submitted a request for an investigation into the disputed account that you claimed was verified. Believing that you did not properly investigate my dispute, I contacted the data furnisher last month via certified mail. They responded, confirming that I was correct and that your records were indeed inaccurate. Since your investigation was not conducted properly, I request that you update the account information in my file accordingly. 
XXXXXXXX XXXX XXXX  XXXX : {$1100.00}
Consumer complaint received 2024-05-23
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. (TX)

Experian, XXXX, and XXXX have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

Affected Accounts : XXXX XXXX XXXX ALL XXXX XXXX XXXX XXXX ALL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL XXXX XXXX XXXX ALL XXXX XXXX  XXXX XXXX XXXX ( UPDATE PAYMENTS ) XXXX XXXX XXXXXXXX EXPERIAN ( UPDATE PAYMENTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 Experian XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Experian XXXX XX/XX/2023 XXXX
Consumer complaint received 2024-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-23
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. (PA)

XXXX XXXX Responded on XX/XX/XXXX via Complaint # XXXX which I submitted on XX/XX/XXXX via CFPB Portal . 
Again this debt is not MINE!! 
Your company did not send me the initial letter as you stated which is the first violation of many Section 1006.34. I requested PROOF and yousent me NOTHING!!!!!! 
I am now submitting that my income is XXXX and I will attest to this that I have not worked at all in the past 60 days. I am insolvent .The only aid I receive is via XXXX Assistance from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX cash from any agency on any level. 
You have worsened my condition over the last 30 days! I will not be discussing finances anymore with your agency that I do not have. You have a littany of FCRA and FDCPA violations and I will complain how I have been treated for such a very long period of time and I will complain to whoever will listen and provide the News Media, Attorney G, FTC and anyone else who will listen with this large stack of paperwork that I have attained due to your companys egregious behavior, if you do not remove this information. I was admitted into XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX for 7 days with XXXX at its inception in this area. 
I am not able to function at all physically or mentally the way I did before my illness. XXXX is making things much worse now. 

XXXX XXXX XXXX.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (VA)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-05-22
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. (OH)

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 information is inaccurate.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.