davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (IL)

XXXX XXXX has reported 3 late payments on my report. I have never been late with my bills until Covid. The CARES Act, which was signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). )
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-23
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. (VA)

I discovered this company XXXX XXXX XXXX XXXX ) had been reporting multiple negative installment loan accounts on my credit reports when I obtained my credit reports in late XXXX XXXXXXXX XXXX XXXXXXXX, following my denial of favorable auto loan financing in XXXXXXXX XXXX XXXXXXXX with an auto lender. Subsequent to discovering these fraudulent accounts, I immediately alerted the the company each of the credit bureaus, the FTC and filed identity theft reports with my local police department. I contacted this company by telephone multiple times and spoke at length with several different representatives from their internal Fraud department to file a complaint and learn more information about the details of the nature of the company and how the fraud was able to transpire. Each representative I spoke with asked me a series of security questions such as my phone number, email address, bank account numbers, SSN, DOB, and other personal information and informed me that their conclusion was that the accounts were indeed opened by someone else who had been using my identity, but different contact and banking information. I was provided a report number and informed that an internal review of their findings by a higher department would be concluded within 3-5 business days and that I should expect to see these accounts deleted from my credit reports " very soon. '' That was over 45 days ago and I have yet to receive any communications from this company and these fraudulent items are still reporting on my credit reports. I also received communication from the credit bureaus via updated credit reports around XX/XX/XXXX, stating that this company had initially certified to the credit bureaus that these accounts were being reported accurately despite my initial request to the bureaus that this information be blocked due to being the result of identity theft, which also further violated my rights under federal law.
Consumer complaint received 2024-04-23
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-23
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)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/year> I received an alert from XXXX that a Hard Inquiry was added to my Credit report for a Credit card application from Bank of America. I Contact XXXX and " B of A '' to report the fraud on the same day. I received a message from XXXX that indicated that the incident was removed and received a Report Number : XXXX.
Consumer complaint received 2024-04-23
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I DO NOT RECALL OR RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS ON MY CREDIT REPORT HARD 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 {$410.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX  XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$310.00} XXXX XXXX {$0.00}
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (OK)

My credit report must have accurate information & my privacy must be used in accordance with the law In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX XXXX Original creditor 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 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 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (PA)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 ( a ) states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2024-09-05
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. (CA)

To Whom It May Concern, I am writing to express my deep concern and disappointment regarding the accuracy of information on my credit report. Despite previous communication, your agency has failed to demonstrate due diligence in ensuring that the reported items comply with 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification. As mandated by 15 USC ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the reinvestigation process your agency used to verify the accuracy of the disputed items on my report. This description must include : 1. The name and address of the information provider ( s ) contacted 2. The telephone number of each provider, if reasonably accessible 3. The name of the individual who verified the dispute 4. Valid documentation that was used to substantiate the continued reporting of these items This information must be provided within 15 days from the receipt of this letter, as required by law. Additionally, I have previously notified your agency that I am a victim of identity theft related to a data breach. I have filed a formal FTC report ( enclosed ) and demanded the immediate removal of all fraudulent information from my credit report, as required under 15 USC 1681c-2 ( c ) ( a ). Your agency is legally obligated to block and remove any alleged identity theft information within 4 business days of receiving a complaint that meets the necessary criteria. 
Despite this clear request, the following inaccurate item remains on my credit report : XXXX - XXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hi, I have sent over forms of proof to Bank of America XXXX for proof of financial harm. First I wait almost to weeks to be told to send credit card statement when that is what I am uploading. The keep sending me and automated message with examples of proof which I have submitted XXXX. I feel they are making this process difficult on purpose so that they dont have to pay out. They are requesting statements. That is what I have uploaded. See attached.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (KY)

I was checking my credit report after data breach reports received and I detect this collection account. XXXX XXXX XXXX XXXX, doesn't related to me and a hard inquiry of XXXX XXXX. These account has to be removed as FCRA required because is hurting my ability to get credit
Consumer complaint received 2024-08-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IN)

Chime rolled out a feature called Pay Me, where you get advances from chime then pay back when we're paid. Last month I advanced {$120.00} I paid it back yesterday, now my advance amount increased to {$140.00}. I understand the minimum amount to withdrawal is {$20.00}, I did that yesterday. Now today Everything Changed, without Notice to us, we can no linger advance without paying back your 1st advance, Wasn't Told That. NOWHERE on chime page do you see that! This is my 2nd complaint regarding chime, they are Not Transparent, they give misinformation. I was depending on that advance!
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I would like this item immediately re-investigated. I have never lived at this addresses. Please provide information on how you verify and who you verify this information with. Name and business of the individual you spoke XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (NV)

They are putting inaccurate information on my credit report. I have not sign any agreement with them have no debt with them and have not given them permission to report anything about me. This is not my debt I have toad them over the phone and through written this is not my debt and I don't have a debt with this company.
Consumer complaint received 2024-04-23
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2022-09-13
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: GOLDMAN SACHS BANK USA (GA)

Ive sent in several complaints to no avail, these companies are reporting inaccurate information on my credit report and I demand that these items be removed immediately. According to the 15 USC 1692 ( 6 ) a debt collector is anyone who uses an instrumentality of interstate commerce or mails in any business the principal purpose of which is the collection of any debt directly or indirectly. I have been violated by farmers furniture who has come to my home all times of the day and have sent threatening letters to my home as well. Below I have highlighted all the inaccurate dates and the different amounts that these companies are reporting and that is harming my family and I.
Consumer complaint received 2024-08-27
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: General Motors Financial Company, Inc. (GA)

These are all inquiries on my credit report that are inaccurate. 

XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GM FINANCIAL XXXX : XXXX XXXX, XXXX Auto Financing GM FINANCIAL Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MI)

Springoakcap XXXX XXXX XXXX XXXX, VA XXXX XXXX Reference : Account Number XXXX Dear [ XXXX Person ], I am writing to formally request a debt validation letter concerning the above-referenced account. I request the following information : 1. Validation of the Debt : The amount of the debt.

The name of the creditor to whom the debt is owed.

A copy of the debt agreement or contract signed by me, evidencing my obligation to pay the debt.

A complete account history, including the amount of the debt when you obtained it, the date you obtained it, and the name of the entity that sold it to you.

2. Purchase Agreement : A copy of the purchase agreement between Springoakcap and the original creditor.

3. Verification of My Signature : A copy of the document bearing my wet signature, proving that I agreed to the debt in question.

I request that you cease all collection activities until this debt is validated. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information, and you are obliged to provide it. Please consider this letter as a formal dispute of the debt and a request for validation. 

I look forward to your prompt response. 

Thank you for your cooperation.