davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I maintain that these late payments are inaccurately reported, and I am troubled by the fact that your bureau has allowed such misleading information to tarnish my credit report. As a consumer, I expect that credit reporting agencies exercise due diligence in ensuring the accuracy of the information they disseminate. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I am deeply concerned about the negative impact this misinformation is having on my creditworthiness and financial standing. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I request an immediate and thorough investigation into the reporting of these late payments. The inaccuracies in question are unacceptable and have the potential to cause significant harm to my creditworthiness, impacting my ability to secure favorable terms for future financial transactions.
Consumer complaint received 2024-04-27
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)

I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed. 

The inquiries that I wish to remove are located on the attached documents of this complaint.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, 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. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Loan XXXX XXXX XXXX loan open date XX/XX/XXXX Open loan amount {$47000.00} Loan paid off in full date : XX/XX/XXXX I noticed XXXX XXXX XXXX is reporting inaccurate derogatory information on XXXX XXXX Experian, XXXX, and XXXX credit reports. loan XXXX shows open XX/XX/XXXX, loan are not reporting paid in full as of XXXX XXXX. I was over charge lates and interest. XXXX declared total loss of the XXXX XXXX XXXX on date XX/XX/XXXX. In addition, settlement payment was released to XXXX on XX/XX/XXXX. Loan XXXX are reporting XXXX potentially negative 30day late payment with Experian, XXXX, and XXXX credit agency. Loan XXXX has a 10-grace period, XXXX offered at the time of signing auto loan contract. Below are the months shows late 30days. I have attached receipts of payments that were turned in before 30days. In addition, I spoke with XXXX at XXXX XXXX XX/XX/XXXX, she provided it me with a payments summary of all benefit issued payments for loan XXXX, and XXXX. I was informed all payments were wired to XXXX on the benefit issued date. XXXX also brought to my attention XXXX knows to allow 2 days business days before payments are released. This will not be the first time I have had issues with XXXX. My request is to have XXXX report accurate information to the credit bureau Experian, XXXX, and XXXX immediately. 





XXXX issued payment {$370000.00} on XX/XX/XXXX GAP issued reimbursement {$4000.00} on Insurance issued reimbursement {$3700.00} on Warranty issued reimbursement {$1100.00} on XX/XX/XXXX Auction issued payment {$13000.00} on XX/XX/XXXX Dates Credit agency reporting 30 days late XX/XX/XXXX, Loan was not 30 days late, please report accurate information to Experian, XXXX, and XXXX? 

XX/XX/XXXX XX/XX/XXXX, Loan was not 30 days late, please report accurate information to Experian, XXXX, and XXXX? 

XX/XX/XXXX I had no knowledge XXXX XXXX XXXX would report voluntarily surrender on my credit report. When I received an email from XXXX, I informed her that I do not want the vehicle to be voluntarily surrender, I will pay loan monthly note as agreed to on contract. XXXX never explain to me what the procedures once the vehicle has an open balance after total loss pay off. Also, the contract does not state if there is an open balance once vehicle is sold in auction, credit report will show voluntarily surrender. 

XX/XX/XXXX, XXXX sold in auction why is my credit report shows voluntarily surrender? Payment on loan XXXX due date payment is on the XXXX of the month, and XXXX sold on the XXXX. There is nothing in the contract that states voluntarily surrender will report on credit. 

XX/XX/XXXX, why is XXXX reporting voluntarily surrender? XXXX sold XX/XX/XXXX. Please report accurate information to Experian, XXXX, and XXXX? 

XX/XX/XXXX, why is XXXX reporting voluntarily surrender? XXXX sold XX/XX/XXXX. Please report accurate information to Experian, XXXX, and XXXX?
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

Dear CFPB, My name is XXXX XXXX. I have a fraudelent hard inquiry on my equifax report from XX/XX/XXXX. I never applied for a XXXX  account. I contacted XXXX on XX/XX/XXXX and spoke with a supervisor by the name of XXXX who submitted a deletion request to remove the account and estimated the inquiry would be deleted in 30 to 60 days.I 've contacted equifax multiple times to remove the inquiry and have even sent equifax a letter, proof of ID, proof of residency and an ftc complaint. On XX/XX/XXXX I spoke with XXXX from equifax who confirmed they recieved the deletion request and promised to remove the inquiry. They even gave me a confirmation number which is XXXX. On XX/XX/XXXX I called equifax again due to the inquiry still showing on my report. I spoke with XXXX, who submitted a new deletion request to remove the inquiry. He assured me the inquiry would be deleted within 30 days. He gave me another confirmation number which is XXXX. Today the inquiry is still on my report. Please assist me with holding equifax accountable and removing this inquiry from my report permanantly. I have attached the ftc complaint and deletion lettter I sent to equifax. 

Best regards, XXXX.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Request for Investigation into Multiple Hard Inquiries on XXXX Report Dear Sir/Madam, I am writing to bring to your attention a concerning discrepancy I have discovered on my XXXX credit report regarding multiple hard inquiries resulting from a car loan application made on XX/XX/2023. 

On XX/XX/2023, I applied for a car loan with Truliant to finance the purchase of a vehicle. As per my understanding of the Fair Credit Reporting Act ( FCRA ) and the guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), multiple hard inquiries resulting from loan applications within a short timeframe should be treated as a single inquiry if they fall within 14 days. 

Upon reviewing my XXXX credit report, I noticed that there are eight separate hard inquiries listed on the same day, XX/XX/2023, as a result of my car loan application. However, according to the FCRA guidelines, these inquiries should have been consolidated and counted as a single hard inquiry. 

This discrepancy has negatively impacted my credit score and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit activity, under federal regulations. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in my credit report. I am enclosing a copy of my XXXX credit report for your reference. 

If you need any more information or documentation to help with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate reporting practices are upheld. 

Sincerely, XXXX XXXX Please remove the following XXXX  of XXXX - Dated XXXX XXXX XXXX - Dated XXXXXXXX XXXX XXXX  - Dated XXXXXXXX XXXX XXXX Dated XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a letter on XX/XX/XXXX, requesting the removal of unknown accounts and inquiries from my credit file. Today, I learned that these items should have been removed no later than 4 business days after that date, according to FCRA 605B ( 15 U.S.C. 1681c-2 ). These errors are significantly affecting my credit score, and I demand immediate correction in accordance with FCRA. As I previously stated in my Complaints, I am reiterating my request to remove the specific items listed below : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I want to emphasize that I did not open these accounts or authorize anyone to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking necessary steps to report it to the authorities.
Consumer complaint received 2023-12-20
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. (CO)

The mentioned accounts egregiously violate several federal laws, notably within the framework of the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). These violations are detailed as follows : 1. **Account # XXXX ( Experian ) : ** - XXXX15 USC 1681a ( FCRA - Accuracy of Consumer Information ) : ** The reported account falls short of the accuracy standards mandated by FCRA, constituting a breach. 
- XXXX16 CFR 313 ( Code of Federal Regulations - Opt-Out Mechanism ) : ** Non-compliance is evident through the glaring absence of a clear and conspicuous opt-out mechanism, as required by 16 CFR 313.

- **15 USC 6802 and 15 USC 6803 ( FCRA - Consent for Information Sharing ) : ** Blatant transgressions occur due to the lack of clear consent for information sharing, a direct infringement on privacy standards.

- **15 USC 1681b ( FCRA - Permissible Purpose Requirements ) : ** The violation of 15 USC 1681b underscores a failure to adhere to permissible purpose requirements.

- **20 USC 1232G & 34 CFR 99 ( FERPA ) : ** Reporting student loan information without explicit consent violates FERPA, which safeguards the privacy of student education records. 

2. **Account # xxxxxxxxxxxxx 0001 through xxxxxxxxxxxxx 0009 ( XXXX XXXX : ** - The same violations as described for the Experian account apply, encompassing breaches of FCRA and FERPA. 

3. **Account # XXXX ( XXXX ) XXXX ** - The inclusion of this account in the credit report, without explicit consent, is a direct contravention of FCRA 's and FERPA 's requirements, echoing the violations detailed above. 

These violations collectively encompass illegal reporting of transactions, sharing consumer non-public information with non-affiliates, and unauthorized disclosure of educational records. Immediate corrective action, including account rectification and compliance with the stipulated laws, is demanded. Failure to address these violations promptly will result in legal action.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/23, I received a charge of XXXX from a XXXX store. While I have shopped at XXXX department stores in the past, this is not a charge I made. When I called the XXXX department, I was informed that the charge was made using contactless payment, which is not something I usually use. I suspect I may have been either accidentally charged by a contactless device near my card, or someone may have used such a device near me or my wallet to defraud me. Wells Fargo has acknowledged that but has yet to clear this charge after almost two months, and has been difficult to reach in regards to this matter. In addition, I continue to be charged interest due to this dispute. Also, I have yet to receive a receipt for what was purchased.
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding LLC refused to cease collection of this allege debt so debt has now been cancelled with the IRS and reported as income so it can not be reported to the credit bureaus. XXXX XXXX XXXX has also been reported to the IRS so selling this information is fraudulent.
Consumer complaint received 2024-04-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (SC)

SOUTH CAROLINA IS A NON-SPOUSAL STATE. I AM THE ONLY BORROW ON THIS LOAN. THERE WAS A CALL MADE ON XX/XX/year> AT APPROXIMATELY XXXX XXXX XXXX  THIS CALL WAS MADE TO MY SPOUSES CELL PHONE WHO IS ON THE APPLICATION AS A REFERENCE ( NOT A BORROWER ). THE CALLER FROM WORLD FINANCE COMPANY ADVISED MY WIFE THAT THE LOAN WAS DELIQUENT AND DUE FOR 2 PAYMENTS AS OF THE DAY OF THE CALL AND GAVE THE AMOUNT DUE. THIS IS A VIOLATION OF THE FDCPA REGULATIONS.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Capital Accounts, LLC (CA)

Chiropractor made discriminatory comments pertaining to race and XXXX orientation. Provider also sold leaking water to a me a while I was a XXXX XXXX REPRESENTED BY AN ATTORNEY that caused me to have a very XXXX XXXXl causing more pain. I terminated him because of these reasons. XXXX XXXX retaliated and sent me to Collections.
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-20
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-20
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. (MD)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-12-20
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. (NC)

To Whom It May Concern : I have received a letter claiming that I owe a debt to the fraudulent accounts listed below. Since this is in error, I request that you send me the following proof as you are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. I DEMAND THESE FRAUD ACCOUNTS BE DELETED IMMEDIATELY 1. The original application or contract. 
2. All statements allegedly related to this debt.

3. All signed receipts.

4. All cancelled checks. 
Under the law, you have thirty days to supply this proof. In addition, do not contact me again via phone. From now on, we will communicate through mail. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (PR)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.