davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
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. (MO)

I am writing to express my ongoing frustration and disappointment with the outcome of my second attempt to remove fraudulent items from my credit file. Despite providing comprehensive documentation and diligently following the necessary dispute procedures, the fraudulent entries persist on my credit report, posing a significant threat to my financial well-being. 
I am deeply concerned that despite my sincere efforts to rectify this issue, the fraudulent items persist on my credit report. This situation has significant implications for my financial standing and security, making it imperative to resolve this matter promptly. 

I kindly request the following actions : A thorough and immediate reevaluation of the documentation provided in support of the dispute. 
Removal of the inaccuracies associated with the fraudulent items from my credit file. 
Clear communication regarding the resolution and the steps taken. 
I have attached copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-23
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: EQUIFAX, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2024-04-18
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. (AZ)

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject. 

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative. 

XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

XXXX XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself oXXXX XXXX XXXX XXXX XXXXXXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 

XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative XXXX 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Consumer complaint received 2023-08-26
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : -
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Enterprises International, Inc. (PR)

American enterprises illegally reinserted the account # XXXX in my XXXX  credit report on XX/XX/2020. This account have almost 7 years old. For that reason I sent a registered letter on XX/XX/2020 # XXXX requesting validation made pursuant to the Fair Debth Collection practices Act and Fair Credit Reporting Act .Not receiving any reply in 30days by American enterprises I decided to send a second registered letter in XX/XX/2020 # XXXX, requesting again validation documents with a copy of any viable evidence bearing my signature, showing the account is being reported accurately .On XXXX XXXX they sent a copy of statement that does not have any signature of mine
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (PA)

My identity was stolen, social security number, name, address and fraudulent line of credit through XXXX XXXX XXXX XXXX XXXX. 

15 U.S. Code $ 1681c-2 a consumer reporting agency XXXX, XXXX, XXXX XXXX XXXX XXXX, shall block the reporting of any information in the file of a 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. 
It has been 2722 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-11-26
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. (IL)

I have not received any verification of debt ( XXXX XXXX XXXX XXXX XXXX XXXX violated the cease and desist by reporting to the credit bureau without providing written proof as requested. I have not received any proof of debt or signed documents by me that validates the debt and its been over 90 days. Laws 15 USC 1692 have been violated by the companys actions and I request you to remove this negative account from all bureaus immediately!! I will be looking to file suits and complaints with ftc because my rights and livelihood been affected by there actions.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax is reporting two accounts incorrectly. They should be removed from from credit bureau report with their agency. Also I have been calling since the beginning of the year and they have some kind of block on my account that prevents me from accessing it online. I have called many times with a promise of a call back that never happens. The two inaccurate accounts are : XXXX XXXXXXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I was in the process of a loan modification and required to make 3 trial payments, which I made as directed. 

These trial payments are reported as late on my credit report which is inaccurate and causing a significant impact to my credit. 

My modification has since been approved and I would politely request these late payments be removed or updated to reflect they were paid on time.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL XXXX of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all XXXX disclosures were satisfied but they were not.
Consumer complaint received 2023-04-11
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

This account has been paid off since XX/XX/XXXX ( {$18000.00} ), but Kia refuses to report it as " paid/ closed '' so that it will reflect as such on my credit report? In any event, I've spoken to several representatives and received several different responses over the last month or so. Today I was told to dispute it or otherwise continue to wait. Unacceptable! 

Also, to add insult to injury, I am now being told that the prorated refund from my payment made on XX/XX/XXXX of {$310.00} will not be paid? Please advise. 

Vehicle Description : XXXX XXXX XXXX XXXX # XXXX Customer Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-27
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. (NJ)

Many accounts that have been legally canceled are still on my report. Collection agencies did not receive my authorization to add them selves to my report. Many address are wrong and need to be removed. Phone numbers are wrong and need to be removed. All closed accounts need to be removed.
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consumer reporting agencies Trans Union, XXXX, and XXXX did not follow the following laws after the notice my notice of dispute was submitted : 1. FCRA Section 623 ( a ) ( 3 ) and 2.FCRA Sections 623 ( b ) ( 1 ) ( A ), 3. FCRA 623 ( b ) ( 1 ) ( B ), and 4. FCRA 623 ( b ) ( 1 ) ( C ) in regards to their duties after my Notice of Dispute was submitted by XXXX XXXX mail. The following are my most recent notices to the credit reporting agencies. 
XXXX. XXXX - XXXX XXXX MAIL : XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Date XX/XX/2024 XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024 XXXX. Trans Union - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This ( Account Name & Account Number ) And XXXX more thing according to 15 USC 1681s-2 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. 

Check the attachments below
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I was made aware of a collection account on my Experian credit report showing an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. First and foremost, I was never sent a notice to my physical address before they sent it to collections which is a violation. I was applying for a house in the middle of the year when I was made aware. I sent verification letters to XXXX XXXX XXXX as well as a validation letter to Experian on XXXX certified USPS. I also sent another letter to Experian on XXXX to dispute inaccurate information from XXXX XXXX XXXX as it was showing all kinds of different data on my other reports from the other XXXX agencies. 
XXXX ) Experian is reporting no high balance while the other XXXX credit agencies are reporting a high balance. 
XXXX ) Experian is not reporting a Date of XXXX of XX/XX/2019 while the other XXXX agencies are reporting which is a violation XXXX ) Experian is reporting a term length of 1 month as if this was a loan whereas companies with agreements with the owner are legally bound to report loan terms and this is a violation. 
XXXX ) Experian is reporting XXXX XXXX XXXX as a ( XXXX XXXX ) which is inaccurate and incorrect as this collection agency can not report an account as open as I do not have a contract/loan with them. 
Per the Fair Credit Reporting Act Section 611 any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.
Consumer complaint received 2023-11-26
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)

I DON'T HAVE XXXX XXXX FOR THE PAST 10 YEARS!!! ON XX/XX/XXXX  EXPERIAN FILED AGAIN A FRAUDULENT COLLECTION FOR {$380.00} ON BEHALF OF XXXX AND AGAIN DECREASED MY CREDIT SCORS BY XXXX POINTS : FROM XXXX TO XXXX. 

MY CREDIT REPORT AND PAYMENTS WITH XXXX AND XXXX IS ALWAYS EXEPTIONAL! IN THE LAST 3 YEARS EXPERIAN PLACED 4 TIMES ON MY REPORT A FRAUDULENT COLLECTION FROM 4 COLLECTION COMPANIES ON BEHALF OF XXXX FOR THE SAME AMOUNT : {$380.00} S. EXPERIAN DECREASED AGAIN MY SCORS BY XXXX POINTS EACH TIME, FROM XXXX POINTS TO XXXX POINTS. 
THIS IS A REVENGE BY EXPERIAN : 1 ) I REFUSED TO SIGN UP FOR THEIR " MEET EXPERIAN XXXX XXXX '' TO PAY THE XXXX THE FRAUDULENT {$380.00}. AND 2 ) IN THE LAST 3 YEARS I REFUSED TO FILE A REVIEW- TO RATE EXPERIAN EMPLOYEES ' HELP - THEIR EMPLOYEES ACTED WITH REVENGE. 

I FILED A NEW DISPUTE # XXXX WITH EXPERIAN FOR THE SAME ISSUE {$380.00} XXXX COLLECTION. DESPUTE-REPORT # XXXX DATED XX/XX/. I MAY NOT HAVE A CHOICE BUT TO SUE EXPERIAN.
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PR)

I have attempted to send my affidavits I have been a victim of ID Theft for many years. Currently I am being collected on a credit card from Wells Fargo I never opened. Today I come to find out I can't open a checking account because my identity was used as well to open one.
Consumer complaint received 2023-08-26
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. (MO)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-26
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX These companies are Violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my written consent for these accounts to be reported on my credit. These are not my accounts! I demand they get removed immediately!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (OH)

Exerter finance, has violated my rights, 15 usc1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my rotten instructions.

15 usc 1666B : A creditor may not treat a payment on an account under an open end consumer as late for and purpose.
Consumer complaint received 2023-11-26
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)

These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.