davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
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. (TX)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seattle Service Bureau, Inc (WA)

Received a letter from National Service Bureau on XXXX ( letter was dated XXXX ) stating I had a 5 day notice to respond to them or else I could face my license being suspended, or removal of my vehicle registration. They say this is because I did not have insurance when I was in an auto accident on XXXX. This is false as the vehicle was on a loan, and insurance is automatically applied by bank, and I had insurance through my credit union. There is also nothing on my credit report stating anything is in collections. They have contacted my family members as well through phone. They have attempted to call me on numerous numbers, but I do not answer phone calls from unknown numbers. I have not reached out to them because I doubt the legitimacy of this agency, and I am worried any contact could increase harassment. I provided insurance information to credit union at time of accident and vehicle was totaled out, and insurance paid around XXXX for vehicle if my memory is accurate.
Consumer complaint received 2024-05-08
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. (TX)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccuracies found on my credit report. The discrepancies involve inconsistent Date of Last Activity, Unknown Collection Agency, Unauthorized inquiry, and incorrect account information such as address.

The inaccurate information is negatively impacting my credit score and financial well-being. I request that the CFPB intervene and assist in resolving this matter promptly.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

The company misallocated my on-time payment to another customer 's account and incorrectly reported my account as late. 

Account in Question : XXXX XXXX  incorrectly reported as late in XXXX 2021.
Consumer complaint received 2023-10-29
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-07-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP (MN)

My vehicle lease was originally slated to end on XX/XX/2023. I recently found out my wife is XXXX, and didn't want to have to deal with lease return stressors while we reorganize our lives to accommodate the baby, so after making what would have been my final lease payment on XX/XX/XXXX ( which successfully cleared the bank and was applied to my financing account ), I requested a lease extension. 

The lease extension was approved, and the text of the confirmation e-mail stated, and I quote, " Your state requires us to charge upfront taxes for the full term of your lease extension. The amount due is {$75.00} and must be paid in full with your next payment. '' I thought nothing of this and moved on with life. On XX/XX/XXXX, I received a phone call from Honda Financial Services, telling me that my payment for XXXX was late, and I need to make a payment immediately. I panicked, thinking that my usual {$350.00} payment had evaporated into thin air. Upon signing in to their online portal, I discovered that they had actually applied the tax charges *before* my next billing cycle, contrary to what their e-mail said to me, meaning my account shows a {$75.00} late payment amount. In other words, it's as if they charged the tax in XXXX, but told me it would be due in XXXX. 

What appears to have happened here is the tax-charging system charged against the then-current billing cycle, which I had already paid to {$0.00}. I never received notification that this charge was applied, I was only told that I it would be due " with [ my ] next payment, '' and was not told this issue occurred until it was too late. 

I reached out to HFS by phone, and they told me I needed to pay taxes immediately regardless of what the e-mail said, because it's now Day 9 post- '' late '' -payment, and on day 10, fees are applied. This is in direct contradiction to what their e-mail indicated. 

In summary, to anyone looking to extend their lease with Honda Financial Services, their tax-charging system is poorly implemented and will charge to whatever the current billing period is, seemingly based on the current date. If you intend to extend your lease and are expecting to pay tax on it next month as their e-mail suggests, request the extension AFTER the billing cycle ends, not before.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed with all XXXX major credit bureaus erroneous information they are reporting on a charge-off account from XXXX. I will upload a form 1099C that was provided to me by XXXX as this debt has been Cancelled and forgiven. However all XXXX credit bureaus still continue to report inaccurate balances, past due balances and payments for the past XXXX years. I would like this account DELETED from my report, by all XXXX credit reporting agencies, as it is completely inaccurate!
Consumer complaint received 2023-10-29
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 without my written instructions ( XXXX XXXX BANKRUPTCY ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-29
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 without my written instructions XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-09-15
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 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.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 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 2024-05-05
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. (GA)

Quick pay funding llc inquiry on XX/XX/23 Also experian has yet to delete This is due to the data breach of XXXX, we're my information was purchased of the dark web. 
XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX This account was asked for a re-investigation for accurate information and this debt was sold at account and the reporting agencies failed to report this information. I uploaded the proof were they did not cure the in accuracy and it must be deleted XXXX XXXX account # XXXX
Consumer complaint received 2024-05-05
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. (MI)

On XX/XX/year> an erroneous bankruptcy was filed. Voluntary Bankruptcy Case - The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed. Generally, bad credit information is removed after seven ( 7 ) years. The larger credit reporting agencies belong to an organization called the XXXX Credit Bureaus. We are informed that the policy of the XXXX Credit Bureaus is to remove successfully completed XXXX XXXX cases from the credit report after seven ( 7 ) years to encourage debtors to file under this chapter.
Consumer complaint received 2023-10-29
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-29
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)

This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove the following account : XXXX aka XXXX aka XXXXXXXX XXXX account number : XXXX XXXX aka. account number XXXX aka : account number XXXX unsure why one account reports as three different names per consumer report with three different accounts numbers a different one on each report from my consumers report. 
Also remove all late payments attached with a XXXX account and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2024-05-04
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)

Account is showing late payment of 30 days when it is not! The account also states roughly {$40.00} as being past due. Account is current and in fact for the month of XXXX a double payment was made on the account 9 days before the due date. I have attached a summary of the accounts showing payments made each month.
Consumer complaint received 2023-10-29
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)

Subject : Request for Account Deletion due to XXXX XXXX XXXX XXXX Violations To Whom It May Concern, I am writing to formally express my deep concern regarding the ongoing credit reporting inaccuracies and violations committed by XXXX XXXX XXXX XXXX, which have adversely impacted my financial well-being. I have taken every possible step to rectify this situation and seek your intervention to address the matter in accordance with the provisions of the Consumer Financial Protection Bureau ( CFPB ). 

Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Under the framework of the Fair Credit Reporting Act, I have reason to believe that XXXX XXXX XXXX XXXX is in violation of 15 US Code 161s-2 ( 1 ) ( A ), which explicitly prohibits the furnishing of consumer information to credit reporting agencies when the furnisher knows or has reasonable cause to believe that the information is inaccurate. Despite my efforts to rectify these inaccuracies, XXXX XXXX XXXX XXXX has continued to report erroneous information to Experian, XXXX, and XXXX. 

Furthermore, XXXX XXXX XXXX XXXX 's actions are in violation of 15 US Code 1681 ( a ) ( 1 ), which underscores the vital role of fair and accurate credit reporting in maintaining the efficiency of the banking system. Inaccurate credit reports not only impair the functioning of this system but also erode public confidence, which is paramount for its continued stability. XXXX XXXX XXXX XXXX 's disregard for these regulations is causing significant harm to my financial standing. 

I have made repeated requests to XXXX XXXX XXXX XXXX for the prompt removal of this erroneous account from my credit reports. Unfortunately, my efforts have been met with continued violations, misrepresentations, and a lack of resolution. Despite my repeated attempts to rectify this situation, my credit reports remain plagued by inaccuracies that hinder my ability to secure loans, housing, and other financial necessities. 

I implore the Consumer Financial Protection Bureau to intervene on my behalf and compel XXXX XXXX XXXX XXXX to rectify this situation immediately. I kindly request that you investigate this matter thoroughly, hold XXXX XXXX XXXX XXXX accountable for their violations, and ensure that the inaccurate account is removed from my credit reports without delay. 

I have attached supporting documentation, including correspondence with XXXX XXXX XXXX XXXX, credit reports, and any other relevant information, to assist in your investigation. 

I appreciate your attention to this matter and trust that the CFPB will act in accordance with its mission to protect consumers from unfair and abusive financial practices. I eagerly await your response and the resolution of this pressing issue.
Consumer complaint received 2019-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

I have paid in full in XX/XX/2019 the account in Collection with LVNV Funding regarding XXXX XXXX XXXX  Credit Card. The account is still listed in collection. As you know, an account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). 

Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. 

Based on the information provided above, this debt is no longer in collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, 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 : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. XXXX - XXXX XXXX  XXXX  XXXX Balance - {$5.00}, this is incorrect. 

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.

why correct the information that I outlined and then not raise my credit score because I purposely targeted.

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin XXXX citizens, lives and their livelihoods.

the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin XXXX  citizens, lives and their lively hood.

Please delete and remove all closed accounts, late payments and loan accounts, that aren't valid from my credit report. 

Best, XXXX XXXX.
Consumer complaint received 2024-06-17
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. (LA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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.