davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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 appreciate your time to REMOVED some of the items in my file that resulted from an erroneous credit report entry but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & FTC, and I am including it again with a new FTC. Ive informed my attorney of my intentions & they are XXXX to hold you accountable in case of your willful noncompliance : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX AUTO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX =========XXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an erroneous credit report entry. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2024-04-23
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: General Motors Financial Company, Inc. (TX)

Turned in leased vehicle XX/XX/XXXX to XXXX dealer as per contract requirements. Completed pre inspection and called to inform GM report was incorrect plus also shared with GM would be reinstalling all original tires before lease end. GM assured me on several calls that car would be inspected by dealer once turned in and thus the PRE inspection report did not apply. XX/XX/XXXX GM sent regular mail final detailed bill dated XX/XX/XXXX with charges based on preinspection report and requested payment of {$1200.00} of which {$810.00} was for tires. Repeated calls, emails, faxes, online requests and certified letters to GM did not yield any new inspection reports, bill details even though GM altered the amount due after my final payment as per contract sent on XX/XX/XXXX. Spoke to GM several times about charges and shared that car was for sale at dealer in XXXX. XXXX XXXX and pictures showed all tires were original and they could investigate themselves instead of relying on incorrect preinspection report. An email XXXX XXXX fGM sent from online inquiry stated " We do go by the report made prior to returning the vehicle. There is no other inspection after the vehicle is returned. '' which of course is counter to everything they has told me in the previous 4 months discussion about turn in process. Still get several calls per week from GM Financial requesting payment but when I ask for detailed bill plus inspection report, they say not allowed to send anything to document charges, also online account access has no statements or bills available only amount due. GM has reported this undocumented amount to credit bureau for late payment
Consumer complaint received 2024-05-21
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.

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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. Please have these accounts UPDATED and CORRECTED for once : XXXX XXXXXXXXXXXXXXXX, XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (MO)

I communicated w/this collection agency via general company email and to specific agent in the company by cease and desist letter on XX/XX/2019. This is an alleged billing from a former apartment complex and is not a legitimate indebtedness.
Consumer complaint received 2024-05-21
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. (OH)

After looking at my credit report XX/XX/2023 I noticed inaccuracies from XXXX XXXX auto finance account # XXXX Open/closed XXXX XXXXXXXX AUTO FINAN was knowingly reporting inaccurate information on my credit file. 
I disputed alligations with experian credit agency based on inaccuracies. The investigation concluded XXXX XXXX was reporting incorrect balance and/ or errors on my credit file. 

The agency modified my account from original balance of XXXX to XXXX XXXX displayed accuracy reporting errors during EXPERIAN 's investigation. Agency modified reporting account, instead of removing XXXX XXXX off my credit report. My resolutions was remove off credit report not modify findings.This is my follow up to my unresolved investigation.XXXX XXXX  has violated my rights according to ; 15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( XXXX ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681.

Account name #,,, Account name #, ,Account name #,,, Account name #,,, ,Account name # has violated my rights.

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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Consumer complaint received 2019-06-24
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX DEPARTMENT STORE.. I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

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 2024-05-21
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX, XXXX andTransunion report this account as 60 Open/Late - XXXX and XXXX for two consecutive months which doesn't make any sense..Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I filed for bankruptcy twice in XXXX. However, I did not proceed with the confirmation hearings, and thus, no judgments were filed. XXXX has already removed these inaccuracies from my credit report. Enclosed are copies of my bankruptcy filings, court correspondence, and my updated XXXX credit report for your reference. I submitted my dispute to XXXX online. There was not an option to submit my additional documentation although the dispute center states that there is a space to submit supporting documents online. I've also connected with XXXX via their phone dispute service, in which I was informed that XXXX does not remove erroneous information on public records. They refused to submit my dispute.
Consumer complaint received 2024-05-21
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)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had two credit cards with Capital One. One opened XX/XX/2023, one opened XX/XX/2023. I had one returned payment on the older card. Capital One immediately closed it, before I could male a replacement payment. 

Capital One then closed the second, now card, before I even activated it. 

Capital One did not even notify me that the second card was closed. I found out when I logged into my account.
Consumer complaint received 2024-05-21
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. (SC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-05-21
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-21
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 am writing to follow up and to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. At that time, I provided all the necessary documentation to demonstrate that these late payments were not valid or were the result of extenuating circumstances. However, despite my efforts, these late open accounts continue to be inaccurately reported on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. Please help me conduct a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. I would like you to assist me also about this matter and provide a written response within the legally mandated 30-day timeframe, confirming the correction of the late open accounts on my credit report. Please consider the significance of this issue and its impact on my financial well-being. I appreciate your immediate attention to this matter and your commitment to resolving it promptly. Please help me correct the followng accounts immediately : XXXX XXXX XXXX Balance : {$5700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00}.
Consumer complaint received 2024-05-21
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. (MD)

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 Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX OF 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 2024-05-21
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)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX 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 Balance : {$2700.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-05-21
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-02
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. (PA)

XXXXXXXX XXXX {$2200.00} for a credit card I never received due to XXXX XXXX XXXX stealing all my USPS mail . 
She stated she charged {$5000.00} and XXXX credited {$2500.00} back per Fraud department. ( XXXX ) I reported this identity theft in XXXX to FDIC, local white XXXX XXXX police XXXX XXXX XXXX # XXXX who has body cam footage of XXXX XXXX XXXX stealing my card at XXXX XXXX XXXX, XXXX, Nj XXXX. 

On camera XXXX XXXX XXXX used it inside XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX Store # XXXX XXXX XXXX, Store Manager XXXX I went into the store and spoken to security who stated in front of XXXX XXXX police XXXX XXXX XXXX XXXX on body cam she used my credit card on camera XXXX XXXX XXXX. ( XXXX ) XXXX I called XXXX, to XXXX XXXX XXXX. 

I had the FRAUD dept investigate this in XXXX, it was charged off XX/XX/XXXX.