davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I AM NOT RESPONSIBLE FOR THIS LOAN, I HAVE DISPUTED WITH ALL THREE CREDIT COMPANIES, SO FAR XXXX  HAS DELETED THIS ACCOUNT. I CAN NOT GET IN CONTACT WITH A REP FROM THE COMPANY ANYMORE. THEY ARE REPORTING THE WRONG INFORMATION ON MY REPORT
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, 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. (FL)

My son, XXXX, purchased a vehicle through XXXX XXXX XXXX XXXX XXXX. I agreed to co-sign when the sales people at XXXX XXXX assured me that after 6 months my name would come off if he made his payments on time, which he did. He subsequently had an accident which totaled his vehicle. He had purchased GAP insurance through XXXX at the same time he purchased the vehicle, so when it was totaled he stopped making the payments and his GAP insurance paid off the balance of the loan. At the time he totaled the car, I believe he was late on his payment. XXXX is reporting that I was personally late on my son 's car payments. Had they notified me, I would have made the payment just as I had once before.. They will not correct the report to show that I was the co-signer, not the actual borrower. Experian only accepts their version. This is wrong! Can you help me?
Consumer complaint received 2024-01-07
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. (OH)

bureau name : EXPERIAN bureau address : EXPERIAN XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX, XXXX CREDIT REPAIR CONSUMER LAWS : Based on, You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer according to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that a consumer does not initiate. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

Dear EXPERIAN, The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we have already involved and sent this letter to the Complaint portal for ( the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I reviewed my credit report and noticed an account that is not reporting accurately. I have XXXX late payment on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. I have attached a copy of my report showing the number of inaccuracies regarding this account. How is it that I am late 30 days on XXXX and Experian in XX/XX/2023 but paid on time with XXXX. Same thing with XXXX showing 30 days late in XX/XX/2023 but paid on time with XXXX and XXXX have sent letters to the bureaus advising of this inaccuracy with no response or notes updated on my account. I am now requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-04-17
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 am writing to formally dispute inaccurate information that appears on my credit report, as provided by Experian. Under my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian conduct a thorough investigation into the following disputed items : XXXX XXXX BANKRUPTCY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX I have diligently reviewed my credit report and found the aforementioned items to be erroneous. I have enclosed copies of supporting documentation that validate my claims, including the XXXX  account email, XXXX XXXX XXXXetter, and the courthouse where this was claimed to have taken place. 

This inaccuracy is not only detrimental to my financial reputation but is also significantly hindering my homebuying experience. The erroneous information on my credit report has resulted in unfavorable terms and conditions from lenders, delaying or even jeopardizing my ability to secure a mortgage for purchasing a home. 
I have also documented every correspondence sent to Experian regarding these disputed items and proof of delivery. Despite these efforts, the inaccurate information persists on my credit report. 

I'd like to remind Experian of its obligations under the FCRA to ensure the accuracy and integrity of the information it reports. Failure to comply with these obligations may result in legal action. 

Therefore, I would like to ask that Experian quickly investigate these disputed items and correct any inaccuracies found. I also request that Experian provide me with a written explanation of the results of its investigation and a revised copy of my credit report reflecting any necessary corrections. 

Please be advised that I am fully prepared to take further action, including seeking legal remedies, if Experian fails to comply with its obligations under the FCRA. 
Thank you for your attention to this matter.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1 LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2024-01-08
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, XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Experian ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Experian ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Experian ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been trying to close my Bank of America account. I have been reducing my balance and I found recently that they were charging me {$25.00} a month for the account ( without notifying me ) so I transferred the balance to my new bank and kept a XXXX dollar balance. I have found that they are still charging me the {$25.00} and my account is now in overdraft. 

The reason I reduced the balance to XXXX  was because Bank of America was making it impossible for me to close the account completely. I went online to get an appointment with the branch. The app said that no appointments were available at the branch I use or other branches near me. I went into the branch physically and the teller told me that there were no bankers in the branch anymore and she could not help me close the account. 

I went on the app and tried to call Bank of America. I was told that they could not take calls. I tried to chat online but the wait times were very long and I kept getting booted off. 

Please help me close the account. Thanks.
Consumer complaint received 2024-01-07
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. (MS)

There is a fraudulent account on my credit report, titled XXXX XXXX XXXX. It is not my account, I have no knowledge of this account. Some one has stolen my information and has opened up and has opened up a fraudulent account without my permission.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Hello I am XXXX XXXX i am reaching out to delete the following information on my credit profile. The items listed in the report are not mine and need to be removed immediately, i am a victim of identity theft. I reported the theft of my identity to the FTC and also have enclosed copies of the Federal Trade Commission identity affidavit. Please delete these items as soon as possible to correct my credit file. Thank you for your time.
Consumer complaint received 2024-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-12-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I been receiving harassing phone calls from Complete Payment Recovery Services , Inc. For a debt that is the result of identity theft. I never applied for or had an account with XXXX XXXX. The account is a fraudulent account and not my account or debt. The phone calls I have received from Complete Payment Recovery Services has been threatening in nature. Representatives from Complete Payment Recovery Services has used obscene, vulgar and vituperative language. They have threatened to have me arrested and thrown in jail and informed they will destroy my life by ruining my credit for life, all for debt and account thats fraudulent, the result of identity theft and not my account or debt. Complete Payment Recovery Services is in complete violation of the Fair Debt Collection Practices Act under Federal law.
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MO)

We bought our vehicle from a car lot in XXXX Oklahoma we are Missouri residents we tagged and the registration is in Missouri. Our vehicle was repossessed XX/XX/2023. We paid a total of {$1700.00} and was set up on a payment plan to get the vehicle back a {$300.00} repossession fee was added to the account. On XX/XX/XXXX after numerous phone calls my wife calls back and they had cancelled our payment arrangement and they had taken off the {$300.00} repossession fee and the same day added that same fee back on the account. During that call my wife asked for a copy of the right to cure letter and they were supposed to mail a copy of that letter. On XX/XX/XXXX my wife calls again to credit acceptance about the right to cure letter the gentleman informed her that since we bought the vehicle in Oklahoma and that the loan contract was made in Oklahoma that they didnt have to send one for the repossession. We are wanting to know being Missouri residents dont we fall under Missouri law and that the right to cure letter should have been mailed or do we fall under Oklahoma law.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

XX/XX/23 to XX/XX/23 Ive sent out documentation to Dispute. This hard inquiry with Experian. Experian has been giving me a hard time about this hard inquiry which I file for FTC about this inquiry and Experian refuse to remove along with the documentation
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently checked my credit reports and found that out of all the 3 credit bureaus Experian is the only one not reporting properly my payments on my XXXX  XXXX XXXX credit card endding # XXXX the report fails to reflect my on-time monthly payments since XX/XX/, which has negatively impacted my creditworthiness and potentially violates consumer protection laws! I am attaching the proof of each of the monthly statements. These statements explicitly indicate the payments were made for this specific credit card account. 
This inaccurate reporting has had a detrimental effect on my credit score, making it difficult for me to secure [ Specific financial products or services you are seeking ]. This not only causes inconvenience but also potentially violates the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Section 1681s-2 of the FCRA requires credit bureaus to ensure the accuracy and completeness of consumer credit reports. 

Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA prohibits the furnishing of inaccurate credit information. Providing incorrect payment history to potential creditors constitutes a violation of this Act.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

Beginning XX/XX/2022, I have made several contacts to Experian regarding incorrect reporting of personal information listed on my credit report. 

I have stated that the only name and address that should be showing on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX The following information needs to be permanently removed from my credit file. No other bureau is reporting these inaccuracies. I demand for these items to be removed immediately : Previous name/alias : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX