davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, XXXX, I submitted a reinvestigation letter to Experian pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). The account in mention is XXXX XXXX XXXX Account # XXXX This account held numerous inaccuracies and incomplete information. 

VIOLATIONS : 1. The Date Last Active reflects three ( 3 ) different dates across from each credit bureau ; A. XXXX XX/XX/2023 XXXX Experian XX/XX/2023 XXXX XXXX XX/XX/2023 ; these inaccurate dates are detrimental because they harm the

seven ( 7 ) year length of a consumers right to removal of debt. 2. The Date Last Payment contrad
icts the Date Last Active and the Two-Year Payment history. As the report reflects ; XXXX XXXX XX/XX/2023 XXXX. Experian XX/XX/2023 XXXX. XXXX XX/XX/2023 ; In light of this error it clearly demonstrates that my credit report fails to demonstrate 100 percent accuracy. 

Experian failed to conduct an investigation allowing the incomplete and inaccurate information to continuously reflect on my credit report. 

Experian didn't even go as far as Updating this information to reflect accuracy. 

In addition, Experian failed to provide me proof of the investigation. Pursuant to 15 U.S.C. 1681i ( 7 ). 

Therefore, the multitude of violations complicit by Experian, in transgression of my constitutional rights pursuant to 15 U.S.C 1679c ( a ), caused degrading prejudice to financial health. 

Accordingly, the law impose that the credit bureaus are not limited to XXXX option in making a determination. See : 15 U.S.C 1681i ( 5 ). 

It is mandated that Credit Bureaus delete an account if it is [ Inaccurate ], [ incomplete ] or [ un-verifible ]. 

The law does not allow the credit bureau to pick and choose a particular legal standard to validate their investigation. Nor the option to turn a blind eye to a consumers credit reputation without just cause. 

In short, due process requires If the investigation does not provide consistency, accuracy and completion amongst all [ Credit Bureau ] accounts, then, in light of the fruit of the poisonous tree the account MUST be DELETED.
Consumer complaint received 2024-04-25
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 was reading my credit report and noticed that i had a few inquires that werent authorized please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my report according to FCRA Section 605 ( a ) any inquiry that is related to fraud should be deleted from my credit report.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

i am trying to get a home loan but the XXXX credit bureaus show a freeze on my account. I have called all XXXX and they have said over the phone that there is no freeze but every time i try to pull my credit it says suppressed which means a freeze. i just need them to unfreeze my account somehow or go into their system and actually unblock whatever they have blocked on my account so i can get my home loan approved. i am running out of time before the deadline XXXX for my contract.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marauder Corporation (TX)

This is inaccurately reporting on my credit report. I need this to cease and desist off my reports. This company has been trying to destroy my name. Places collection account debts on my social security number without my authorization or consent. The consumer consents to whats reported on their personal credit profile. I have never done business and have no signed contracts with this company. 
There is no collateral estoppel and promissory estoppel thats I have ever used or signed with this company. 

Please stop all reporting on all credit bureaus. This is the 2nd attempt for resolution prior to legal proceedings.
Consumer complaint received 2024-04-25
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. (MA)

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 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 2024-04-25
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. (IA)

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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-04-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (CT)

After several attempts of submitting applications for rental property and being rejected due to prior evictions I contacted the credit bureaus attempting to find out what company was providing the information to the rental companies so that I could find out what information was included in those reports. I made several attempts in XXXX, XXXX and XXXX of XXXX and my most recent attempt was XX/XX/XXXX. I still haven't been given the information
Consumer complaint received 2024-04-25
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing that I owe {$320.00}. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO. (GA)

I hope this message finds you well. I am writing to report a concerning issue I recently experienced in my auto financing transaction, and I am seeking your assistance in addressing this matter. 

On XX/XX/2023 I purchased a vehicle through XXXX XXXX XXXX in XXXX Georgia and financed it with Chase Auto. During the financing process, I noticed a significant discrepancy in the interest rate offered to me. My credit score is XXXX and I was offered a 9.67 % interest rate. Upon careful examination, I discovered that the higher interest rate was probably a result of the intentional misspelling of my name on the loan agreement. When I inquired about this during the signing process, the finance manager was very adamant interest rate was accurate based on all my credit history and character. He even stated he shopped the deal around to other banks but 9.67 % was the best interest rate offered to me. It is my belief that this misspelling was not accidental but was done intentionally, possibly by the dealership, with the intention of securing a higher interest rate and potentially receiving a kickback or additional compensation.

I reached out to Chase Auto questioning the interest rate and why was it so high based on my credit score, however no one was able to answer my question or assist me. I even requested a remediation of my account in attempt to lower the interest rate and was turned down.

This situation is deeply concerning to me as it not only affects the financial terms of my loan but also raises questions about the ethical conduct of the dealership. I strongly believe that such practices are unfair and may be in violation of consumer protection laws.

I kindly request your assistance in investigating this matter and taking appropriate action against any party found to be involved in this unethical behavior. My goal is to ensure that consumers like me are treated fairly and transparently in their financial transactions and are not subjected to such deceptive practices.

Please let me know the steps I should take and the information you may require from me to facilitate this investigation. I am committed to cooperating fully to bring this issue to light and seek a fair resolution.

Thank you for your attention to this matter. I look forward to your prompt response and guidance on how to proceed. 

Sincerely,
Consumer complaint received 2023-08-29
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)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDICO. INC (SD)

XXXX XXXX XXXX XXXX turned my medical debt over to Credit Collections Bureau, XXXX XXXX, South Dakota. I went to court and have since satisfied a judgement. The Agency has now added additional debt for which they say is owed. Ive requested this agency provide me with a detailed itemized record with charges, Insurance payments applied, and payments I have made. 
I contacted XXXX and was told once the debt is turned over to collectors they no longer have records.. XXXX outsourced billing and collections to Credit Collections Bureau. Billing was rarely sent. I dont believe the charges are correct.
Consumer complaint received 2024-05-14
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. (MI)

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 2024-04-25
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)

I have recently sent in a dispute on XX/XX/year> and your company has failed to complete an accurate investigation. You have verified this account as accurate on XX/XX/year> however it is still reporting inaccurately across all three credit bureaus. How does this happen after a thorough investigation? I am trying to get a home and this incorrect reporting on my credit score is affecting my home buying process and is a violation to my consumer report rights. 

I asked to be provided with the method of verification with verifying these accounts via the person you spoke to and who responded to your dispute to confirm this account. I was not provided with this information. Per the FCRA 611 ( a ) ( 7 ) you had 15 days to provide me your method of verification according to 15 USC 1681i ( 7 ) method of verification and you have failed to do so. I request you please DELETE the following account in question from my credit report immediately. I have included a screen shot below of your inability to report correct information. 

XXXXXXXX XXXX  : ACCOUNT # XXXX This account is reporting inaccurate date opened This account is reporting inaccurate payment history and status This account is reporting inaccurately according to 15 USC 1681 ( e ) ( b ) that states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete this account immediately 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX ) making the report. 

XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. Delete this account immediately!!
Consumer complaint received 2024-04-25
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)

To whom it may concern, I am writing to bring to your attention a serious violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts listed have improperly disclosed my personal information : XXXX XXXX XXXXXXXX XXXX XXXX This breach of confidentiality has caused me significant distress and has compromised my privacy. I demand that immediate action be taken to rectify this situation and ensure that my personal information is handled in accordance with federal law. 
Please provide confirmation of the steps taken to address this violation and prevent any further unauthorized disclosures of my personal information. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 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 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 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 2024-04-25
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 writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from 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