davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (OH)

in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 states I have a right to privacy .15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. under 15 USC 1666B a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (MD)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (TX)

I have called Equifax multiple times- They say there is no one I can talk to in the human trafficking or legal department- They say there is no email option No phone option No special case manager or handler for human trafficking disputes. 
They say there is no way to ask what information is missing or needed, even though I have provided everything. 

The emails are not monitored, and I can not email them back at all. 
There is no phone number to call the legal department or human trafficking department. 
This is not being handled with care. 

I have included the determination from XXXX - I can include one from XXXX non as well,
Consumer complaint received 2024-04-04
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
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 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
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: Experian Information Solutions Inc. (LA)

Company has the wrong first delinquent date, incorrect payment history, and the last activity on the account is incorrect. Its been more than 7 years since the first delinquent date and the account should have been deleted by now. A collection agency was also paid for this account and was supposed to have call this company to have it removed from my credit report, but it did not do that.
Consumer complaint received 2024-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (FL)

In XXXX and again starting in XX/XX/XXXX, I was contacted by XXXX XXXX, claiming I owed a debt related to a so-called clerk of the court. 

On both occasions I asked for relevant information about the validity of the debt, pursuant to the Fair Debt Collection Practices Act. They refused to provide any information, only claiming that the so-called debt had been " verified, '' but not providing any specific documentation as mentioned under the FDCPA. 

This is now beyond harassment and their repeated attempt to defraud me in collusion with this so-called clerk of the court need to be criminally prosecuted for their attempted fraud.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Dear CFPB, I received a copy of my XXXX and Equifax credit report, I noticed some late payments posted on my credit report. Ive contacted them directly, but they are choosing to ignore my request. The account is paid and closed. My request is for them to adhere to the law and correct important errors that has been negatively effecting my consumer report. 
XXXX  XXXX XXXX XXXX : Account number XXXX. 
XXXX XXXXXXXX XXXX XXXX is in clear violation of the law. USC 1681b-permissible purpose of consumer report, The law clearly states : ( a ) IN GENERAL ( b ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

I never gave written instructions to furnish this information on my credit report!

Furthermore, the fair credit reporting ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include- ( A ) Subject to section 1681s-3 0f this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-01-05
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: HUNTINGTON NATIONAL BANK, THE (FL)

I have contacted XXXX and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. 

No one has provided any proof, not the creditors, not the credit reporting agency. 

XXXX, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. 

They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2023-12-19
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)

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case! 

Furnisher Account Number XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Credit Report!

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
Consumer complaint received 2024-01-19
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. (TX)

This complaint is directed towards the Credit Reporting Company, Equifax, and is in relation to my previous complaint against XXXX regarding the same XXXX loan account. My previous complaint ID was XXXX. The XXXX  loan in question belonged to my late mother who passed away on XX/XX/2023. I was the co-signor on the account. Previously, XXXX would not update balance information on my credit report after the loan was discharged. They responded in writing confirming the loan was discharged due to her death with a XXXX balance. However, this information was still not updated with XXXX, XXXX, and Equifax, so I had to utilize the dispute process to request corrections on this account with all three bureaus. XXXX and Equifax initially corrected the information. However, XXXX did not. Therefore, I initiated another dispute which resulted in the balance being corrected, but in me being incorrectly reported as deceased. XXXX is currently doing an internal review to correct this for which I submitted a separate complaint with the CFPB. 
However, it seems Equifax caught wind of this and is now also incorrectly reporting me as deceased. I just spoke to them and have been advised to submit another dispute. 

At this point I've submitted numerous disputes in an effort to get this information corrected and feel I have no choice but to ask the CFPB to intervene on my behalf.
Consumer complaint received 2024-01-13
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX XXXX AMEX charged me an annual " membership '' fee of {$590.00} on my XXXX credit card, a card that was not in use by me so it's statements and activity are not tracked as closely. That's a big fee. On XX/XX/XXXX XXXX I tried to cancel in view of the fee and they attempted to salvage me by pointing out all the benefits. I said I'd think about it. A couple weeks go by and today XX/XX/XXXX, XXXX I call to cancel and I'm informed that while a cancel can happen because it is more than 30 days since charging the annual fee it can not be refunded, even as a pro-ration. I would point out that I believe prior annual fees on other products with Amex pro-ration was possible and frankly it certainly seems fair and just. I can certainly vouch that pro-ration of annual fees does happen with other vendors. 

I admit that even my initial call on XXXX XXXX was beyond that 30 days, but that's not the point of this complaint. An annual fee on a dormant account should not have a mere 30 days to " notice '' the fee and regardless I do think pro-ration of fee refunds should happen.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing you to bring to your attention a few discrepancies in my credit report that i am sure requires your immediate investigation as my information has been stolen and use to open a number of fraudulent accounts and loans in my name. Additionally these fraudulent accounts has been causing me severe emotional stress as i am currently in the process of buying a home for me and my family. I kindly request a thorough investigation into these matters and removal of all inaccurate information on my credit report. I understand that the Fair Credit Act ( FCRA ) mandates that the Information on my credit report be accurate and verified. I have reach out to my creditors who have informed me they have no knowledge or evidence of credit associated with them. 
XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX XXXX XXXX BALANCE {$1000.00} ) XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXXXXXX XXXX  ( BALANCE {$850.00} XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX XXXX  ( BALANCE {$16000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX  ( BALANCE {$8600.00} LIST OF INQUIRIES 1XXXX  - Inquiry date XX/XX/XXXX 2XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX 3.XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 4.XXXX XXXX - Inquiry date XX/XX/XXXX 5.XXXX - Inquiry date XX/XX/XXXX 6.XXXX XXXX XXXX - Inquiry date XX/XX/XXXX 7.XXXX XXXX XXXX  - Inquiry date XX/XX/XXXX 8.XXXX  XXXX XXXX  - Inquiry date XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-04
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)

Spoke with Experian and also XXXX about inaccurate dates and late payments also inaccurate information giving to them. From creditor 's listed on my account. In which they violated my rights as a consumer. Per 15 usc 6801-6802 laws. That information given damaged my approval for a refinance loan on my home.. dates of account are inaccurate also payments history. I've tried to dispute online through both Experian and XXXX Web site. But nothing has been resolved. This is my last option before I have to seek legal actions against all parties involved.
Consumer complaint received 2024-01-12
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)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

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.