davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (MI)

The company is reporting inaccurate information to my consumer reports. Reporting past due amount of {$380.00} without sending me any information about what this debt is from. I never did business or had any written contract with this company.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (MI)

I opened a Free XXXX  account with Comerica Bank XXXX years ago. The account sat dormant for a while and out of the blue they sent me a letter saying that they changed me {$65.00}. I called the head quarters and they told me to call my local branch that I opened the account with. The local branch on XXXX XXXX, XXXX XXXX Michigan. The bank manager was very unprofessional and couldnt explain to me the service fees they charged me and why. I explained to them that the account was not suppose to have service fees, if I was a XXXX  which I still am. and said I needed to notify the branch that I am indeed still a XXXX. The paper work I received when I opened the account dose not state that I needed to notify them I was still a XXXX  under XXXX  years of age. They told me get lost and it was already sent to a debt collection agency all this happened without my knowledge. I called back the main headquarters and they put me on hold and hung up on me multiple times after explaining my situation. And have been dodging my phone calls.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

Throughout my history with this account, I've consistently ensured payments are made on time, never allowing them to be overdue. I'm uncertain about the basis for the reported late payment remarks on my accounts. According to 15 USC 1666b - Billing Error regulations, these should be rectified.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX XXXX account number : XXXX you have this account as closed with a balance of {$150.00}. but this account is fully paid-off and balance on it should be {$00.00}
Consumer complaint received 2024-03-26
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Hi, On XX/XX/XXXX, XXXX pulled my credit without my consent. 

They marketed preapproval to see if I could get a Heloc loan service and stated the inquiry would be a soft pull to see if I would be qualitied. To my surprised this is reporting on my credit. I never continue with the program because of the rate and the cost amount requirement. I never authorized for my credit to be pulled, they told me just soft pull for qualification. I never did the program service with them. This incorrect reporting is sitting on my credit and hurting my credit for other financial service for me and my family. 

XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details XXXX XXXX XXXX XXXX XXXXt info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX number ( XXXX ) XXXX
Consumer complaint received 2023-06-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

TMX has neglected to respond to the claim of the failure to disclose 16 CFR 433.2. Their response was carefully chosen as to not have to address the fraudulent and deceptive business practices. Therefore, this issue is not resolved and should not be considered satisfied or closed.
Consumer complaint received 2024-03-26
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. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-03-26
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 am writing to follow up my previous dispute about inaccurate late payments appearing on my credit report associated with my auto loan account. According to my records, there are late payment remarks. However, these late payments are erroneous and do not reflect the accurate payment history of my account.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-03-26
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. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-03-26
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 reviewed my consumer reports and noticed that I had XXXX late payments on my account that I was never late for. The 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 payments for the accounts that I have included screenshot inside the complaint in on dates of ( XXXX ) & ( XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see attached screenshot attached.
Consumer complaint received 2024-03-26
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. (GA)

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. 

Account Name : XXXX XXXX  Account Number:XXXXXXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-03-26
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. (IL)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2023-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (KY)

I am a co-signer for a student loan and I wish to no longer receive calls about the loan because I am retired and not working. However, I know the borrower has been making payments but I should not be associated with the lender anymore and I like to be removed from their call list. These private lenders are too aggressive when reaching out to XXXX  persons and I can not keep track of their arrangements with the borrower.
Consumer complaint received 2024-03-26
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. (GA)

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. 

has violated my rights. Or a list of inquiries : 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

I paid off close to {$50000.00} in student loans in the last few years. XXXX XXXX  in Tennessee is not reporting this information to the credit reporting bureaus. The credit reporting bureaus all show I have {$20000.00} worth of student loans unpaid and I have paid them off 100 % and this information needs to be reported.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P. (OH)

To whom it may concern : XX/XX/XXXX  Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

My credit score has dropped XXXX points. Because XXXX XXXX inaccurately reported to the credit bureau that I was delinquent. When I reached out to them, they refunded the late fees. However, they did not update my credit report. Therefore, I still have two late payments. This is preventing me from being able to purchase a home.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary XXXX 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Recently, I did an investigation on my credit report and found several items on there to be in accurate under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerned the individual about whom the report relates, This account was charged off XXXX XXXX since then, the account has been updated as charged off every month. This is an update in the payment history. A charge off account should NOT include active payment history. This inaccurate information falsely manipulates the statute of limitations. They have failed to investigate this account properly and the neglect has violated my rights. I am demanding a deletion of the account. 
15 U.S. code 1681i ( 5 ) treatment up in accurate or unverifiable information in general, if after any reinvestigation under paragraph one of any information disputed by a consumer and item of the information is found to be in accurate or incomplete, or can not be verified the consumer reporting agency, XXXX  promptly delete the item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my report immediately. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-26
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account XXXX : XXXX
Consumer complaint received 2024-03-26
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. (CT)

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX  XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard.

Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications made on the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the account and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX
Consumer complaint received 2024-03-26
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. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

. I have been in disputes with XXXX and Experian Credit Bureau since XX/XX/2023. XXXX is still reporting that I owe them for XXXX loans when in fact my accounts were transferred to XXXX. Experian has disregarded my request to investigate this issue. My credit report is currently stating I owe the exact amounts to both, XXXX XXXX XXXX, for XXXX loans. Ive contacted XXXX numerous times and they claim they would update the information. XXXX has acknowledged that I do not owe them any funds as my accounts was transferred to XXXX. My credit has been drastically affected from this process.
Consumer complaint received 2023-11-07
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. (NV)

There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XXXX XXXX is violating my right per fcra please delete off my credit report attach is the court order
Consumer complaint received 2024-03-26
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account XXXX : XXXX
Consumer complaint received 2023-10-02
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. (NJ)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy. 

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.