davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to request the method of verification used in connection with the investigation of the dispute I submitted regarding the accuracy of information on my credit report, as allowed under 15 U.S.C. 1681s-2 ( e ). 
Disputed Information : Creditor Name XXXX XXXX XXXX Account Numbers XXXX XXXX I appreciate the effort you have undertaken in investigating my dispute. However, I am now seeking specific details regarding the method of verification employed during this process, as required by the aforementioned section of the Fair Credit Reporting Act. 
Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ), I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.

I expect your response to this request within 15 days of receiving this letter, as stipulated in 15 U.S.C. 1681s-2 ( e ) ( 8 ). Your timely and detailed response will help me better understand the steps taken to verify the disputed information.
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. (CO)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (GA)

I believe the account is invalid. XXXX XXXX Midland Credit Management ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. MIDLANDCRE XXXX.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-24
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)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the account below : XXXX XXXX 
The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the account after the companies recognized the inaccuracy of the account. 

I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame.
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. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-24
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$7500.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.2
Consumer complaint received 2023-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

Amortization schedule shows delayed payment.. I've been sending regular mail to Hyundai Motor Vehicle finance since XXXX!! 
Never ever a problem XXXX XXXX XXXX.. XXXX Hyundai XXXX XXXX XXXX XXXX XXXX ... no problems ever mailing to. 
Hyundai Motor vehicle Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX another new XXXX. no problem except for the Finance manager salivating excessive Greed when I refused warranties. 
While signing the contract. By the way my XXXX hyundai XXXX trade in.. XXXX up sidedown. Added on to my new Hyundai XXXXXXXX XXXX contract. Geez ... thx? 
3rd car purchase.. 
Never a problem... 

Enter XXXX... missing mails? Delayed payment credit applying to principal. 
Wasn't too concerned based on favorable Tenure since XXXX no alarm bells. 
Enter XXXX... 
Several more hiccups... numerous calls madr asking someone in the XXXX? Who doesn't disclose their Real Name about my missing or malfunctioning ..account credits. 

Enter XX/XX/XXXX payment mailed... 
Gone.. poof... now we're in XXXX XXXX 
And still no payment received. So I mail XX/XX/XXXX payment... 
And I file complaints online to uses and actually drove to XXXX post-office spoke w postmaster XXXX and XXXX XXXX.

XXXX XXXX  payment artives.arrives.. 3 days later XX/XX/XXXX miraculous appears! @! Yeah right? 
Wrong! 
So I send XX/XX/XXXX payment certified mail. 
Now I'm suspect of the receiver at XXXX XXXX XXXX XXXX XXXX XXXX. Well my payment arrives XX/XX/XXXX. At XXXXXXXX XXXX. Verified by XXXX manager at XXXX post office ( XXXX ) XXXX ... I also have copies of the certified Mail Receipts!! 
Hyundai doesn't apply credit to my account til XXXX XX/XX/XXXX!!!!! Wow. 
So now I went to XXXX XXXX XXXX where I have my checking account. 
We discover Hyundai Motor Finance a ACH method of cashing the check... there's no paper trail. It's cloaked accounting on a simple interest loan..wow.. new and improved? Safe n effective.. lol.. 
I send a paper check regular mail for a purpose! It establishes a paper trail ... hello.. Check N Balance? Right? A paper trail!!! not some phatonm digital easily manipulated ... cause after many many years of good business.. I see a dramatic difference recently with this " ACH '' gimmick of no accountability. I have the paperwork and managers of the usps to stand by my accusations of bank fraud! Breach of fiduciary relationship. Bank manipulation of a simple interest loan by AcH cloaked accounting ... thank-you Sincerely XXXX XXXX
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (CA)

This is my follow up complaint, I sent a letter on XXXX XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX XXXXIve already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} - XXXX XXXX XXXXXXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$890.00} XXXX  XXXX  XXXX Balance Owed XXXX {$0.00} US BKPT CT CA XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 2024-05-24
Product: Credit card — General-purpose credit card or charge card
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)

Ive always made sure to pay this account on time and have never let it become overdue. I dont understand why there are late payment reports on my accounts. Under 15 USC 1666b, billing errors should be corrected.
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. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft inquires to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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. (TX)

Despite my efforts, these issues are still unresolved. Enclosed is the letter I sent to the credit bureaus. Your firm labeled my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This is a serious matter to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Provide evidence of the alleged item, such as a contract or document with my signature, or remove these items from my report immediately.
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. (NJ)

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 2024-05-23
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)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account information is all over the place. Account shows open XX/XX/XXXX. Means the account is reporting past the 7 years. Also the account shows closed XX/XX/XXXX but also states i made a 30 day late in XXXX XXXX which is incorrect. i couldnt be 30 days late after the account has already closed. And if it closed in XXXX, where is the monthly history reporting from XX/XX/XXXX to till XX/XX/XXXX. The information on this account is inaccurate. I was never late. The account needs to reflect CLOSED/NEVER LATE or the account NEEDS TO BE REMOVED.
Consumer complaint received 2024-05-24
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 always make my payments on time, so I am confident in my payment history. What I don't understand is why this company is reporting me as late for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be promptly corrected.
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. (CT)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. 
I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. XXXX XXXX.
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. (NC)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the XXXX  credit reporting agencies, XXXX, Equifax, and XXXX, for willful non-compliance in not removing old outdated information from my credit report. This non-compliance is negatively impacting my creditworthiness and causing significant harm to my financial standing. 

This marks the seventh occasion where I have contacted the credit reporting agencies to voice my discontent with the inaccurate personal details they have published. Despite my repeated attempts to rectify the situation, the credit reporting agencies have failed to take appropriate action to remove the outdated information from my credit report. 

I am particularly concerned about the extensive coverage of topics pertaining to my community, which has left me feeling unsettled. The broad scope of information published by the credit reporting agencies has created misrepresentations and misconceptions about my creditworthiness. I believe it is crucial to clarify the genuine advantages and factual changes that I am familiar with, in order to rectify these inaccuracies. 

To ensure the accuracy of my personal information, I would like to provide you with the correct details : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Employer : XXXX XXXX  Additionally , I have identified several incorrect addresses and employers that need to be deleted from my credit report : Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Incorrect Employers : XXXX XXXX XXXX I respectfully request that you take immediate action to rectify the errors mentioned above. These inaccuracies are negatively impacting my creditworthiness and could have severe consequences if a prospective employer or financial institution requests a copy of my credit report. I have enclosed copies of my Driver 's License, Social Security Card, and a recent Utility Bill to validate my identity and ensure the provision of accurate information. 

I appreciate your attention to this matter and your assistance in resolving these issues. I trust that the Consumer Financial Protection Bureau will take the necessary steps to hold the credit reporting agencies accountable for their willful non-compliance and ensure the accuracy of my credit report. 

Thank you for your prompt attention to this complaint.