davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
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. (MS)

XXXX, EXPERIAN, and XXXX are all in violation of my consumer rights by reporting bankruptcies on my consumer report without having permissible purpose to do so and without ACTUALLY doing their job according to the FCRA. The law clearly states that they must follow strict guidelines and procedures to ensure that all reports are the same and 100 % accurate. Keep in mind they are contractually obligated to accurately maintain my consumer files and reports. The U.S. government entered into an agreement by allowing them to assume the role of maintaining our consumer reports ( 15 USC 1681 ( a? ) ( 3 ) ). They have greatly harmed my banking abilities which are critical in order for my to attend to my everyday course of business as a consumer which includes my household purposes ( 15 USC 1681 ( a ) ( 1 ) ). Pursuant to 15 USC 1681 ( a ) ( 2 ) my reputation has been harmed, and my character has been assassinated. Pursuant to UCC 1-201 ( 1 ) ( 2 ) as the aggrieved party I am allowed to take action and pursue remedy for the violation of the agreement which was made with congress and myself to perform their duties. Each credit reporting agency named above has failed to do so. Each Credit reporting agency has stated that the furnisher has validated the information being reported. The furnisher was reported to be the courts but I have already submitted documentation from the courts that says that this statement is false and misleading due to the fact they do not furnish data. Then each agency said that XXXX a secondary reporting agency furnished the data. XXXX has provided documentation stating this to also be a false and misleading statement. This is a clear violation of UCC 9-506. 15 USC clearly outlines how my consumer report is a critical instrument used in the banking system to allow myself an investor in this banking system access to my XXXX  given right under our constitution as a natural person to credit. It is imperative that this financial report which illustrates my credit worthiness to the banks is 100 % accurate. My consumer files are my real property and the consumer reports are fixtures so related to my real property. This is why as the transmitting utility the accuracy of filings ( my consumer files ) are of the utmost importance to me ( UCC 9 -102 )
Consumer complaint received 2024-01-04
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I reviewed my consumer report and noticed that i had a late payment on an account that i was never late for.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy.I have never been late on payment of this account ; XXXX XXXX XXXX.Please investigate and provide proof with with statements showing that payments were made late.If proof cant be provided, I demand that payments be updated to on time as it should be as i was NEVER late. Thank You.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

I have a Navy Federal account that was opened back in XXXX. I called multiple times and was told that my account was stuck in pending closure. On or around XX/XX/2023. I walked into the bank submitted proper documents and was able to withdraw {$100.00} something I had in my account. I was told that if I wanted to get money from my account, this would be the procedure from now on. My account status was in a pending closure since XXXX when it was open. I asked them if I was able to deposit a check I received and they said yes, your account is able to take credits but if I wanted to withdraw then the same procedure I just went through earlier would be done. I said, okay I am fine with that. I deposited the check, they said it would be on hold for an additional 5 days. I was fine with that. Fast forward to XX/XX/2023, the hold has passed and I walked into the same branch, asking to withdrawal. They declined my request and told me to wait for a banker. The same banker who helped me last time didnt help me out this time. He called navy federal security and told them about what I was trying to do and also told them that they should put a restriction on my account. Since than I have not been able to withdrawal from my account. I also submitted and appeal and theyve requested additional documents. My account has been stuck in this closure status for a long time because they could not verify my identity. Since I submitted an appeal and all documents theyve requested from me theyve declined and did not overturn their decision. I felt like I was being mistreated. I felt like I was robbed. I depended on this check so I could pay my rent but now, Im stuck in an eviction battle with my current landlord. This frustration and anger that Navy Federal Credit Union has caused me, I dont think I will ever recover from it. I am facing so many financial hardships. Im about to be homeless. I needed to pay rent and they just held onto my money. Why is there such thing as a credit only for an account thats in a pending closure? I consider this fraud.
Consumer complaint received 2024-05-29
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. (OK)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
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. (IL)

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-04-14
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 XXXX Account names XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number 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 Also States, No consumer Reporting Agency can not Furnish any Account without my written consent.

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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s - 2 [ A ] [ 1 ] No consumer reporting agency shall not furnish any information relating to a consumer to 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 2024-04-14
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. (IL)

I've contacted XXXX several times to dispute the reporting of a bankruptcy to my credit files and have yet to receive a resolution from XXXX. I am filing this complaint to request that XXXX delete this unverified, old and obsolete bankruptcy from my records with them off my credit reports with Experian, XXXX and XXXX. I have previously disputed this bankruptcy record with the credit bureaus and they have verified the item as accurate several times, stating that the credit agencies had verified the information with the court. On XX/XX/2024, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX via certified letter. On XXXX XXXX, I received the attached letter response from the U.S. Bankruptcy Court. According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my Experian, XXXX or XXXX reports and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX. This unverified bankruptcy is apparently being reported by third party record provider XXXX without any validation or verification that the bankruptcy information is accurate or up to date.
Consumer complaint received 2023-12-21
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-11
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-01-03
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a XXXX XXXX XXXX XXXX XXXX, Protected Health Information ( PHI ), Privacy, and HIPPA compliance are essential to the protection of clients. In XX/XX/2023 did not do this, Bank of America denied my application for credit/funding while taking that information to use for profit, a very serious offense. Being denied credit as the original bondholder transferring my private security interest ( PHI ) to them in exchange for open-ended access to credit is illegal. BOA stated it was because of credit score information, this action is complete discrimination. BOA has profited from my credit and my security interest. This adverse action eventually led to my filing for bankruptcy in XX/XX/2023. It is unlawful for any creditor to discriminate against me for any reason, including bad credit. I also had 3 accounts closed in XXXX of XXXX which are additional violations. I am the collateral holder, power of attorney, and surety over every account, also as a holder of these accounts also a beneficiary. BOA never got authorization from the surety to close, trade, or sell any of the security interests, So in total, there were violations with 4 different accounts, 1 credit, 2 checking, and 1 savings. I am rescinding any security interests with any of the terms and conditions of BOA, as well as any proceeds that they are expecting to go their way. In conclusion, I was denied funding while BOA has profited and I am opting out of any arbitration clauses with the terms and conditions, I have been damaged/injured.
Consumer complaint received 2024-04-14
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. (CO)

Subject : Dispute of Incorrect Late Payment Reporting and Request for Removal and Opt Out of credit reporting. 
I am writing to dispute incorrect late payment entries reported on my credit report by XXXX XXXX XXXX. I have attached copies of a congratulatory letter from XXXX XXXX XXXX and the title of the vehicle, both confirming that my account has been paid in full. Despite these clear indications that my financial obligations have been met, these erroneous entries have been reported, causing significant harm to my credit score and my overall financial health. 
This incorrect information is a direct violation of my rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against the unauthorized use of personal data. Furthermore, I am exercising my right to opt out of any further reporting by XXXX XXXX XXXX, as stipulated under 12 CFR 1016.1 ( a ) ( 1 ) ( 2 ) ( 3 ). It is also noteworthy to mention that I was never provided with an initial privacy notice by XXXX XXXX XXXX, required under 12 CFR 1016.4 ( 1 ) ( 2 ), which mandates explicit authorization before disclosing any nonpublic personal information to nonaffiliated third parties. 
Given these violations, I am requesting the immediate removal of the reported late payments from my credit profile. Additionally, I am asking for a fine of {$1000.00} to be imposed for each violation of my consumer rights, as these errors have unjustly damaged my credit and personal reputation. 
Please find attached the relevant documents, including the payoff letter and vehicle title, to substantiate my claims. I expect a response within 30 days confirming that these corrections have been made to my credit report.
Consumer complaint received 2024-04-14
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)

XXXX, XXXX and Experian are in violation of FCRA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-01-03
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. (MO)

I am writing to formally address a concerning matter related to my credit report. Despite several attempts to rectify the situation, there continue to be unknown inquiries on my credit file, negatively impacting my credit standing. I believe this is a serious violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting your prompt attention to resolve this matter. 

I have attached supporting documentation, including copies of my credit report highlighting the unknown inquiries and any correspondence related to my previous disputes. 

I kindly request that your agency conducts a thorough investigation into these matters and takes immediate action to remove the unknown inquiries from my credit report. As per the FCRA, it is imperative that credit reporting agencies ensure the accuracy of the information they report, and the presence of unknown inquiries is a direct violation of this regulation. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to remove the unknown inquiries. 

Please provide a written response within 30 days of receiving this complaint, as required by the FCRA, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-19
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. (OH)

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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian is reporting unmailable addresses on my credit report. The address is connected to an identity theft. The inaccurate information was removed from both The XXXX and XXXX. And according to title 15 it the credit reporting agency responsible to report accurate information across all agencies.
Consumer complaint received 2023-04-30
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. (CA)

Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didnt authorize to any of this information to be reported on my credit recorf, it's affecting my life!
Consumer complaint received 2024-08-09
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. (NY)

I am writing to file a complaint regarding unauthorized credit inquiries that were added to my credit report without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), I have the right to be notified and provide authorization before any credit inquiry is made. In this instance, the companies involved, as well as The credit agency, failed to contact me for permission, which constitutes a violation of the FCRA. 

SN : I did not pay any company to do any credit repair for me as i am educated and research a lot on the FCRA laws.
Consumer complaint received 2024-05-27
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.