davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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. (CT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-05-22
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$3900.00} XXXX XXXX  Balance : {$4700.00} XXXX XXXXXXXX Balance : {$3900.00}
Consumer complaint received 2024-05-25
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. (FL)

I am writing to formally dispute an inaccurate late payment entry on my credit report, in accordance with the Fair Credit Billing Act ( 15 U.S. Code 1666b ). Upon reviewing my credit report, I have identified a late payment entry that I believe is incorrect and improperly reported. 

The details of the disputed entry are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date of Late Payment : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and XXXX of XXXX Also the credit failed to report the amount that was late as well. 

Explanation of 15 U.S. Code 1666b : Under 15 U.S. Code 1666b, creditors are required to send a billing statement at least 14 days before the payment due date, if the payment is considered late or delinquent. Furthermore, creditors must notify consumers in advance if a late payment will be reported to the credit bureaus, providing them with an opportunity to address any discrepancies before negative information is reported. 

Reasons for Dispute : Failure to Receive Notice : I did not receive any prior notice from XXXX XXXX  XXXX indicating that this payment was considered late or that it would be reported to the credit bureaus. The lack of notification is a violation of 15 U.S. Code 1666b, which requires creditors to inform consumers in advance of reporting late payments. 

Absence of Communication : I have no record of any communication from XXXX XXXX XXXX  regarding this late payment. 




A copy of my credit report highlighting the incorrect late payment entry I request that this late payment entry be promptly investigated and removed from my credit report. Please provide written confirmation of the results of your investigation and any actions taken to rectify this error. 

Additionally, please ensure that this disputed information is not reported to other credit bureaus until the matter is resolved, as required by the Fair Credit Billing Act. I would appreciate a prompt response to this matter within the timeframe allowed by law
Consumer complaint received 2024-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
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. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
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: EQUIFAX, INC. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
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. (GA)

As of today XXXX XXXX XXXX, the account XXXX XXXX XXXX XXXX XXXX  this is my XXXX time reporting this issue and Experian still verifies it as accurate. This account has failed to be properly investigated and CFPB, Experian and the company used to verify the account as accurate are unreliable, unorganized and deceitful. All companies involved have neglected to fix this issue and my consumer rights have been violated. All information has been properly documented for ongoing case issues. 

This account, XXXX XXXX XXXX XXXX XXXX is still reporting inaccurate payment history after verifying it as accurate. It says XXXX  30 days late, November 90 days late. This is inaccurate reporting ; you can't jump 60 days ' worth of data in 30 days. It is inaccurate reporting and makes every month data after wrong. This mistake your company keeps making makes your company look inadequate. 

I asked for and investigation, a re-investigation and gave one of the many inaccurate problems. Have I not? 

The company responsible with verifying the account as accurate is unprofessional and deceiving about the information being accurate. And I have even more proof that the account is still inaccurate with all this being warranted for an excellent case. 

Do you not know the consumer laws? 

I will upload another copy of my Credit report that is hard evidence that the account is inaccurate. 

This account needs to delete because this is taking too much time and resources. All I asked for was a 100 % complete and accurate credit report. And if this can't be achieved then this account needs to be deleted and I need to have a new credit report mailed to me.
Consumer complaint received 2024-07-04
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. (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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-24
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. (GA)

This account status is closed on XXXX and has been for a while. However, Experian and XXXX continues to report the account as open. Since the same data furnisher is used, these accounts are inaccurate. This inaccurate information is reporting and is hurting my ability to obtain credit. Experian and XXXX failed to investigate this account properly and their neglect has violated my rights. I am demanding a deletion of the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (GA)

I am on the phone now going on 31 minutes with about 3 of those being talking. It is XXXX est and your agent has already denied me service I have the right to receive as well as lied to me. I told her I want an ACH stop payment which the supervisor XXXX was able to give me a few days ago and told me is new. I told this lady to do that, she insisted on talking all sorts of nonsense, so I told her if she doesn't know what it is to stop wasting my time and go ask somebody. She then put me on hold for over 8 minutes and came back and instead of asking about it like she promised she told me she reviewed my previous chat logs and was going to deny me a service I have the right to based on chat logs. I told her I want to speak to a supervisor and she is just leaving me on hold it's been about 15 minutes now. So my takeaway from this is either XXXX is lying or this rude and egotistical agent who thinks she knows everythin, lied to me, then denied me service on my account where I am depositing about {$1000.00} a day for just the credit card transactions of website of the multi million dollar business I represent thinks its ok to provide me with service of this quality level. This is tortious interference of my business and synchrony bank, dereliction of fiduaciary duty and fraud. If my account is charged because of the inability of this agent to process a simple stop payment and her malicious intent to stop me from getting service but just putting me on hold to steal wages from your company you can bet you will be hearing from my lawyer.
Consumer complaint received 2019-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (FL)

I have gap insurance with XXXX XXXX bridgecrest for XXXX Gap coverage, my car insurance already give to they bridgecrest that my car is total loss amount, the evaluatin of vehicule and sentlement breakdown, and I ask bridgecrest for one letter or email for my gap insurance claim that cover, they dont want any letter or email for that, also don't want give me finance for other car, knowling I dont have fault of the crash and always paid on time!
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. (WI)

When I went to view my credit report, I noticed that I had multiple accounts on my consumers report that were fraudulent. I've never heard of any of these companies at all and i have never given anybody my information. Who are these companies? 

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 2024-05-24
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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. (NJ)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (OH)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-24
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. (NC)

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One N.A.closed my account in XXXX without properly disclosing why. The company discriminated against me by closing out an account I've used for years. I've called several times inquiring why it was closed and they are still asking for payment monthly without access to using the credit card. I have not been able to use my credit card since XX/XX/2021. 12 CFR 1002 talks about discrimination and discouragement. I do not agree with what the company has done.
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. (GA)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AZ)

I have received multiple, harassing calls over several months from Midland Credit Management which come several times per week and often multiple times per day. The calls always come from a different number so as not to disclose who is calling. Most recently, they contacted my wife via her personal mobile number. I am tired of their harassment. The first call I received, the caller identified himself only by name and asked me to verify several pieces of personal information l, which I refused to do. I was then threatened with legal action if I did not comply. They also employ deceptive practices by having one person call, say your name and when you answer in the affirmative you are immediately transferred to another person. I have no personal business with them as they repeatedly claim and I am tired of their threats of legal action and other harassing tactics.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MS)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
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: Credence Resource Management, LLC (CA)

my personal information is being associated with negative items. The specific items are the following Credence Resource Management act. # XXXX {$440.00} ( XXXX  ) XXXX XXXX XXXXXXXX XXXX # XXXX {$270.00} ( XXXX ) XXXX XXXX # XXXX {$310.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX {$850.00} ( XXXX ) I have i

ncluded the Collection office, account number, amount in question, original merchant name. These four items belong to an address with which I am not associated to. Also, 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 an 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.