davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
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. (TX)

I requested them to correct the issue at hand of them reporting inaccurate information to the bureaus, I agreed to settle for the statement of paid in full they turned around reported a collection/delinquency with a balance every credit bureaus reported dropping credit significantly Experian, XXXX still show the account with a balance as of my latest dispute with them they have refused to removed it. We came to an agreement in which they offered a settlement I accepted and complied with the terms. Shortly after they decided to then report the account to collections with a balance of XXXX continuing to report missed / late payments every month even still now as of XX/XX/year> they have reported XXXX alone to XXXX after the agreement of payment they told me the account was closed and nothing further needed but went back on there word charged off my account and still continues to demand payment for the remaining balance. Had that been the case I simply could have paid it in whole but they continued to push for a settlement they have taken my payment and ruined my credit with no explanation or consequences. They even wrote off the full amount then collected from me and now continues to want more I believe that is a tax fraud on there behalf abusing there power and taking money from our government. I truly feel I should be compensated from XXXX XXXX for these horrible things they have done. I am currently in the process of buying my first home for my daughter and I and these actions by both the credit card company XXXX XXXX and the credit bureaus ( Experian, XXXX, and XXXX ) are ruining our opportunities for a better life, a better financial situation the amount of distress this has cause us is staggering and unacceptable.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I am writing to formally complain about Experian 's inadequate investigation into a dispute I filed regarding incorrect information on my credit report. Despite providing substantial evidence, Experian failed to address or correct the inaccuracies in my credit file appropriately. 

XXXX  : Account number : XXXX, This account is inaccurate. Remove this account ASAP. 

XXXX XXXX : Account number : XXXX, I was never late. Update this on my report. 

XXXX XXXX : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Remove this account ASAP. 

XXXX XXXX XXXX : Account number : XXXX, This account is paid and never late. Update this on my report. 

XXXX XXXX XXXX | XX/XX/year> : Account number : N/A, This is an inquiry reporting in error and should not be present on my credit report. Delete this inquiry immediately. 

XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive.
Consumer complaint received 2019-06-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Please also refer to case # XXXX and XXXX. Problem has been ongoing since XX/XX/2018. I just received a letter from a collection agency for a debt with XXXX. I was neither notified by mail or email or from account online. This began because XXXX was negligent in picking up vehicle from dealer. XXXX forced me to sign false odometer statement ( stated wrong turn in date ) to repair my credit as they would not pickup vehicle and payments and charges kept accruing, along with there harassing phone calls, whenever you call them the first thing they say is " we are going to report you to the credit bureaus if you do not take care of this ". XXXX finally picked up vehicle 1 year and 3 months later!. This is the 3rd time that XXXX has affected my credit report by reporting these bogus charges.I do agree with the end of lease charge but not the other 2 charges. If they are claiming there is XXXX miles on vehicle and then charging me for 2 tires that are only warranted for XXXX miles how nice that is for them to resell vehicle with 2 new tires at my expense, this is normal wear and tear or they should have been disposed of at the end of XXXX mile tire warranty. Again, where was this vehicle for over 1 year and 3 months to accumulate this mileage. Again XXXX negligent for not picking up vehicle.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (SC)

I am XXXX XXXX and I recently opened an account with PNC over the phone. However, after about XXXX weeks, I encountered difficulties logging into my account. Consequently, I had to contact PNC for assistance. It was only three days later that I noticed unfamiliar transactions on my debit card. As a result, I promptly filed a dispute with PNC. On the XXXX of XXXX, I called PNC again as I was unable to log in. Unfortunately, they informed me that they were unable to unfreeze my accounts. Feeling concerned, I called back on Sunday, XX/XX/XXXX. During this call, the representative asked if I had shared my online username and password with anyone. I assured them that I had not. Consequently, I deemed my account compromised and the representative informed me that my accounts would remain frozen until I visited a branch to obtain new account numbers. They also mentioned that they would discuss the issue with someone over the phone. On XX/XX/XXXX, I visited the branch to inquire about the situation. The branch representative asked if I had made any online bill payments, to which I replied no. I explained that the representative on the phone had informed me that the amount exceeded the {$2500.00} limit and that there were checks exceeding {$10000.00} on my account. The branch representative attempted to reissue account numbers but was unable to do so as my account was under review. Unfortunately, I was informed that I would have to wait for XXXX days to regain access to my funds.
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. (NY)

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 2024-05-20
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-20
Product: Credit reporting 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: Experian Information Solutions Inc. (NY)

At this time, I ask that any fraud alert that exists on my credit bureau to be lifted at once. I never requested one, and it was placed by a third-party without my complete approval and authorization. Please remove at once. 

I am at this time requesting my free annual copy of my credit report as mandated by the Fair and Accurate Credit Reporting Act. 

Please send my free credit report to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX XXXX : XX/XX/year> Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
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. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX  student loans have been in IDR for the past year... I have had no late payments on this loan until XX/XX/year> when the company reported the account was 90 days past due. How is this possible? How do you go from one month paid on time to automatic 90 days late. Do this mark on my credit report it has made me unable to purchase a home. I have already suffered major loss. I reached out to XXXX to ensure that my loans where in fact in forbearance and request that in writing as well. IDR plan has been reapplied for and awaiting approval.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on

Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I have been trying for over a month to get access to my Experian account in order to manage a credit freeze. Although I have my user name, password, and PIN, I can not get into my account. Every time I try they route me into a " get a free credit report '' screen and then I get a tech error message. I have tried calling, but it is IMPOSSIBLE to speak to a real person. I get stuck in an endless loop of recorded messages. I have tried mailing in documents to provide I am who I am and have not had a response. 

Regardless of whether I eventually get into my account, it is unconscionable ( and, I suspect, illegal ) for Experian not to have a way for customers to speak to a real person. I have been able to lift the credit freeze with the other credit bureaus, but because creditors will not indicate which credit bureau they will use, I have have the bad luck of having two creditors try to get my credit scorXXXX from Experian and I have been denied credit.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Skrill USA, Inc. (TX)

I tried to make a payment from my account using my Skrill debit card via XXXX on XX/XX/XXXX. The payment was blocked by Skrill and my account has been locked ever since. I submitted a help request online ( twice ). I have called 3 times. The last time I called on XX/XX/XXXX, I told the rep that if they could not unlocked my account that day then to please close it and issue me a check for the amount in my account ( {$1000.00} ). She said she would process the closure request and that I would receive an email on XX/XX/XXXX regarding the closure process. I did not receive an email.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-08-08
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. (MI)

On XX/XX/2023 I have reached out the Experian, XXXX and XXXX about a bankruptcy reporting that do not supposed to be on there. With the bankruptcies showing it is causing me a hardship and will like monetary if its not removed immediately. Bankruptcy court stated they do not report to the credit bureaus which it needs to be removed, document is attached. Rule XXXX Privacy Protection for filing made with the court. 
I have previously disputed this item with you ( US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX MI XXXX ) and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit agencies for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting quirements do not comply with FCRA 611 ( 15 u.s.c. 1681 and the information must be deleted immediately.
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. (NC)

On XX/XX/year> I called XXXX XXXX XXXX to find out why they were reporting my account as charged off when I had paid it off in full and had a letter from them stating the account was paid off in full. The agent told me I had to fill out a form and send it in and they would investigate it and XXXX would inform me of the results. On XX/XX/year> I checked my credit report and it changed from charged off with fixed interest to paid charged off. Which neither is true. They had a system malfunction and I started receiving some settlement agreements to speed up the pay off process. To which I turned down because the account was almost paid off and would reflect in a negative manner on my credit report. On XX/XX/year> I paid the balance off to XXXX XXXX XXXX XXXX  and the account was paid in full. This account was never charged off and for them to report it to the credit bureau is having a negative affect on my credit and making it very hard to get a new car loan. I was never notified that this account was charged off as I was in constant contact with them and I was making regular payments. How can it be a charge off if you pay the balance in full?
Consumer complaint received 2023-09-21
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. (NM)

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.