davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX No payment history is recorded under my XXXX report but yet reported on my Experian and XXXX. 

This is being report inaccurate on my XXXX and XXXX credit report. It shows up on two out of three. Experian does not show payment history on my credit report. This is an violation of the Fair Credit Report Act. Per US Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-04-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-11-16
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. (WV)

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 2024-03-25
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. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. 
On or about XX/XX/year>, XXXX purportedly sold account number XXXX to XXXX XXXX XXXX. XXXX indicated that the account was charged off, and {$19000.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX XXXX. 
XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. The inclusion of the tradeline makes my consumer report Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized twice for XXXX offense, which is tantamount to XXXX XXXX  in criminal law.
Consumer complaint received 2024-03-25
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. (NY)

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the XXXX, FCRA, XXXX, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( XXXX ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be XXXX of verifiable conformity to the XXXX XXXX Data Field Formatted Reporting Standards, as per XXXX guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within XXXX business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC (MT)

I have stopped payment on this account through my bank as we are struggling financially. 

Afterwards, an unauthorized auto payment is pending on my account for almost XXXX dollars. This is the second time this has happened. I have not authorized the payment and when I have requested it to be canceled, they claim they can not stop it.
Consumer complaint received 2023-11-16
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

There are several mortgage inquiries on my credit report with XXXX, Equifax, and XXXX that I did NOT authorized. I never applied for a mortgage. 

I pulled a copy of my credit report and contacted the companies that made the inquiry and they had no record of me. And I was advised to file a FTC report. 

Please investigate the following inquires for removal. 

XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Financial Thanks, XXXX
Consumer complaint received 2023-11-16
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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 2023-11-16
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
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. (MD)

I have a late payment reporting on my credit that shouldnt be reporting. Under 15 USC 1681 A ( I ) ( 2 ) Exclusions. the term consumer report does not include Section ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. So, the law clearly stats this shouldnt be reporting on my credit.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-04-16
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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: EQUIFAX, 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or 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 2018-11-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had a safe deposit box # XXXX located at the XXXX XXXX MA branch of XXXX XXXX. I mailed the payment on XX/XX/XXXX for the renewal of the box in the amount of {$210.00}. The renewal period was for XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I decided to close out the box I went into the branch emptied the box and returned both keys. The representative that helped me told me that I may be able to get a refund on the fee since the box was closed before the new rental period begins. I could not place a stop payment on the check since it cleared on XX/XX/XXXX. On XX/XX/XXXX I called the XXXX branch and spoke to the manager XXXX XXXX. I explained to him my issue he took my information and said he would get back to me but that " Citizen 's does not like to issue refunds '' but he would see if there was anything he could do and get back to me. Did not ask for my account number or phone number and I haven't heard back from him. I am attaching the Safe Deposit Box Invoice along with the back and front of the check that cleared for this payment.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

I have a low balance credit card which I have let fall past due for up to 30 days on a couple of occasions. The company begins auto-dialing my phone at 6 days past due, up to 12 times during my work hours, everyday. When I answer the calls they hang up. I have twice now spoken to supervisors who blame an auto-dialing system and today the supervisor blamed me and said I wasn't the first and won't be the last person they do it too. That seems worth reporting.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-11-16
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. (DE)

In accordance with the fair credit reporting act several accounts have violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX, Experian, and XXXX have gone this repeatedly on my credit reports. 

I am requesting that the information be corrected, and removed immediately as it is damaging to my credit report in trying to obtain any kind of credit to prevent homelessness, and other funding options. 

I am forwarding this information also to my attorney. 

Thank you cfpb for your attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-25
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)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, XXXX, AND EXPERIAN XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN XXXX DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS XXXX  DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW