davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am following up on an issue with XXXX, a XXXX loan provider. I was working on my XXXX. and a student in school. XXXX kept sending me your letters, and bills and they were calling me that I had to pay them back from XXXX My university confirmed I was in school and working on my XXXX XXXX  kept billing me. The vice president of my university and I called XXXX and it was cleared up. It took many months and over XXXX hours of discussion between XXXX and XXXX XXXX  to finally get XXXX 's misinformation finally got it settled. 
An issue with XXXX came up again in XX/XX/XXXX. I began getting calls from XXXX that XXXX XXXX payments were due. I was still attending my graduate program. I understand that post-graduation, graduates have a six-month grace period. This would be estimated from XXXX XXXX XXXX at which time I was scheduled to complete my program and graduate. I communicated this information to XXXX representatives, which was ignored. 
XXXX  representatives continued to call and bill me demanding pay even though I was in school and later within the grace period. I contacted my lawyer and despite many communications and documents showing their error with the repayment period, XXXX continued to send me emails and bills of past due payments. They also reported them to credit bureaus the mis information. The bills show overdue payments even though I am in the grace period. I have consolidated all my student loans however XXXX refuses to correct the credit bureau reporting errors. 

My credit report is significant for XXXX, which I qualify as a XXXX XXXX XXXX I am requesting to remove the late payment reports from XXXX as soon as possible to ensure my credit is restored so it does not affect future XXXX or other credit concerns. 
Kindly confirm this will be corrected at your earliest convenience. I am attaching previous documents demonstrating the reporting error to my credit report. On a related note, XXXX sent a letter with a return address stating the " Department of Education. '' The letter stated I could not consolidate my loan because I had a past due payments balance with XXXX. I learned that the letter was not from the Department of Education it was from XXXX which is XXXX XXXX  affiliate. This is clearly fraudulent misinformation and their unwillingness to correct their errors, is a serious concern. 

I went back to my employer to let them know and they told me to file a report with the CFPB. I filed a complaint to get my loans consolidated and report XXXX XXXX bad-faith communication/ practice. I'm concerned as they may be reporting overdue payments to the credit bureaus which is untrue. They are stating I owe {$840.00} and other fees that are past due but am still in the grace period. I hope to clear this misinformation that is affecting my credit from the misreporting by XXXX XXXX  reports removed from my credit reports.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

request the original contract with my Wet signature on the student loan, its a violation of the educational privacy act the school will not provide transaction history to any third party company the family educational privacy act of 1974 XXXX  I need the creditor information XXXX  I need proof that Experian owns the debt, XXXX  I want the payment plan and history I request the account be updated and paid and agreed! You have yet to remove XXXX XXXX XXXX, you have not provided me with the original contract with my wet signature I asked that you remove it,
Consumer complaint received 2024-04-15
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)

PLEASE DELEE THE FOLLOWING ACCOUNTS XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Account Number : XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately from my report : 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 2024-04-15
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)

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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Letter to Remove Inaccurate Personal Credit Information Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following personal information is incorrect personal information is incorrect please delete or I will LITIGATE Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely,
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (FL)

I was a victim of fraud while being interviewed for a job where I was given a check that had insufficient funds or something of the sort. The bank proceeded to freeze my accounts on that same day ( XX/XX/XXXX ) and called me the following day ( XX/XX/XXXX ) informing me that my accounts had been closed and that I was no longer welcome to do business with them. 

When I asked regarding the money I had in my account, they said a check would be sent to me and this was confirmed in 3 different calls where they read back and confirmed the correct address. However, today ( XX/XX/XXXX ) I called regarding an email I had received yesterday ( XX/XX/XXXX ) saying there was a change of address on my account. This was impossible since they were closed. Upon calling I was told that the check ( s ) had been sent on XX/XX/XXXX, but to the wrong address. 

Despite the mail being refused and returned to sender, the bank claims that I have to issue a subpoena to get any information such as the recording of the calls and that I would have sign and notarize an affidavit that I had not received the checks, even though they received it back and they have not been cashed. 

The amount totals around ~ {$460.00}...
Consumer complaint received 2024-04-15
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. (GA)

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.

Account name : Personal information, My employer position is listed as " Police Sgt '', has violated my rights 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 2024-04-15
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)

I just recently looked at my credit report XX/XX/2024. I saw some I hard a close account witch was pay n full n promise by the XXXX XXXX that it would be removed not have permissible purpose. I also attached evidence 1. [ XXXX XXXX  ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2024 I checked my Experian consumer report and noticed quite a few unverifiable inaccuracies, there were XXXX inaccuracies to be exact. I filed a dispute to have the invalid information removed and Experian received my dispute notice on XX/XX/2024. The inaccuracies were removed on XX/XX/2024. As a consumer reporting agency, you're responsible for providing true and accurate information yet you failed to do so and have acknowledged the fact you failed to do so by removing the inaccurate information. According to 15 USC 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION ( 1 ) you've violated my consumer rights by reporting false and inaccurate information on my consumer report.
Consumer complaint received 2024-04-16
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (VA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-17
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)

Dear Experian Customer Service, Upon reviewing my account, I am disputing the late payment reported for XX/XX/XXXX. Experian has already found this dispute to be in my favor. As of the credit report dated XX/XX/XXXX, sent to me by Experian, XXXX XXXX reported an Exceptional payment history ( Open/Never Late ). I am perplexed as to why, despite this, there is a discrepancy with my current dispute for XXXX XXXX, and my account is still reported as late for XX/XX/XXXX. 

I have attached a copy of the Experian report indicating that my account was current as of XX/XX/XXXX. Additionally, I am disputing the late payment reported for XX/XX/XXXX, as you are still reporting this payment as late. I need Experian to update my account to reflect that it was paid within 30 days for both XX/XX/XXXX and XX/XX/XXXX. 

Furthermore, both XXXX and XXXX report my account as current and never late for XXXX XXXX. 

I have also attached my bank statement as proof that my account was paid within 30 days for the month of XXXX. 

It is imperative that Experian rectifies these inaccuracies promptly to ensure the integrity of my credit report and prevent any further financial implications. 

I expect immediate action to resolve this dispute and appreciate your prompt attention to this matter. 

According to the Experian Report from XX/XX/XXXX, XXXX XXXX had reported my account as " Paid Never Late ( Exceptional ). '' Now, with a new dispute opened regarding XXXX XXXX 's incorrect reporting for XX/XX/XXXX, my account is suddenly showing late payments. This discrepancy is alarming, especially considering that the issue for XX/XX/XXXX had already been resolved. I have submitted my bank statement and uploaded the XX/XX/XXXX report as evidence to support my case.
Consumer complaint received 2019-05-25
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: Experian Information Solutions Inc. (PA)

Made attempts to request feedback regarding hard inquiry placed on credit file. Company failed to comply according FCRA guidelines. Sent letter via certified mail. Company failed to respond within 30 days.
Consumer complaint received 2024-04-17
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. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Consumer complaint received 2024-04-16
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining federal employment. Im XXXX. Trying to further my law enforcement career this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to equifax XXXX and XXXX they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

These are Wrong on my credit report I Should have no late payments to my file. I want these to be change to on time payments, and these need to be change within 30-45 days I DEMAND PROOF OF VERIFICATION WITHIN 30-45 DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

( These is the follow law that been broken during this span ) 15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-04-16
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)

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-04-16
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: EQUIFAX, INC. (VA)

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 2024-04-16
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. (FL)

I appreciate you making the effort to delete some of the data on my credit report, but there are still some items that need to be deleted. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible 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 2024-04-16
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. (AZ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.