davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to address a matter of utmost importance regarding the reporting of an account under my name in your credit records. The account in question is associated with XXXX  XXXX, with the account number XXXX. I appreciate your attention to this matter, as it involves a unique circumstance. Unfortunately, my father, the primary account holder, passed away recently, and as a result, I encountered challenges that led to a single late payment on the aforementioned account. I have been in communication with XXXX XXXX, and I am pleased to inform you that they have acknowledged the circumstances surrounding this late payment and have agreed, as a goodwill gesture, to remove the negative status and the associated late payment date from my credit history. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ).
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (MI)

I have my report with inaccuracies and inquires i have no knowledge of starting with : XXXX XXXX XXXXXXXX XXXX collection account and the following credit accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-27
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-05
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: Credit Control, LLC (PA)

There is 2 different debt collectors reporting the Same debt account ( same credit card company/XXXX XXXX ) on my credit report. I never had 2 of the same credit cards from one company at the same time, but 2 different debt collectors are reporting the same thing on my credit report. I have disputed multiple times and everytime it cones back saying they have the correct information. If it is correct then how do they have the same account. You may call XXXX  XXXX bank and ask if they give one person 2 of the same credit card with same account numbers. I highly doubt it. This has been ongoing for over a year now and I have been turned down multiple times for personal lones/ business lones and credit cards. I am so stressed and this has caused so much hardship on my end. I really need some help with this or information on how to Sue both these companies.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (DC)

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (MS)

XXXX I was informed thru a credit reporting agency that my information was stolen in a data breach in XXXX. When I looked at my credit report there were multiple collections for debt that was not mine. I filed a police report and with the report from the FTC on identity theft and the officers information I sent to the debt collector, and the reporting agency. Also documents showing I wasnt in the state where the charges were being made. Upon the credit agency reporting the investigation was done there were no reports about the results of the investigation or how they still believed that the debt was mine. I have not received any documentation from debt collectors or from the reporting agencies. I keep reporting it as identity theft but nothing gets done. The debt collectors are lying and keep reporting that I am paying on the debt which is absolutely false. Since nothing was being done and I was falsely being accused of these debts I put a freeze on my credit and it has been on there for XXXX years now so I wont get another debt that isnt mine.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Sent to : XXXX CEO XXXX and Board of Directors ' Member, XXXX XXXX XXXX, I am writing pursuant to a very distressing and egregious culmination of my XXXX XXXX experience. One would surmise that I would be ecstatic that I paid off my XXXX this past XXXX XXXX. However, what I recently discovered has caused undue distress and angst about all the due-diligence I performed to successfully pay off my vehicle. 

Briefly, I purchased in XXXX a XXXX XXXX via XXXX XXXX until it was recently paid off in XX/XX/XXXX. I am writing to seek immediate resolution as I am stopping short of seeking legal remedies and accusing XXXX of abhorrent practices in your bankruptcy division. 

I had filed for a MD bankruptcy via a Maryland attorney in XXXX and my car was NOT included in the filing, by mutual agreement and my choice. I paid my XXXX XXXX XXXX monthly car payments, successfully completing the final payment in XX/XX/XXXX. Once paid off, I received XXXX email and written final confirmation correspondence which allowed me to obtain the Maryland XXXX XXXX release. No problem, right? WRONG! Last week, I accessed my credit reports only to discover it is listed on my reports as potentially negative!! Within the last 2 weeks, I even filed a complaint via CFPB, whose investigation received the same false reporting information from XXXX, all of which is egregiously false. 

Personally, I am a single, XXXXXXXX XXXX, still working, now left with a credit report showing absolutely false information. The most abhorrent thing is one CAN NOT get a XXXX XXXX Bankruptcy Dept. assistance or customer service to address this matter. Everything is outsourced and is very stressful when trying to get someone to address this post-payoff matter! 

I am requesting mediation and resolution to this matter. Every day this inaccurate information exists on my credit is detrimental to my finances and these inaccuracies can destroy my future purchases. 

As of XXXX XXXX, XXXX, Experian, XXXX, and XXXX are reporting : Accounts Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors. 

XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX  Account XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I'm a victim of identity theft and there are inaccuracies on my credit reports. I have filed numerous FTC and IRS affidavits due to my information being used fraudulently. Experian, XXXX, and XXXX are violating my rights by furnishing this data on my consumer reports. 
In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. 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 instructions of the consumer to whom it relates! I didn't give Experian, XXXX or XXXX written consent to report the inaccuracies that are currently on my credit report. 

Also in accordance to the FCRA, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation.

Lastly 15 U.S. Code 1681c-2- Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency 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 by such agency
Consumer complaint received 2024-03-09
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 reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-12-23
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. (CA)

So, I filed a dispute to remove personal information that I do not want on my credit report. My dispute number is XXXX, I spoke with representative XXXX XXXX on XX/XX/XXXX. The representative assured me that my information would be removed and name would be updated. On XX/XX/XXXX I received a letter from Equifax with my name spelled incorrectly stating that I needed to send in documentation to update my name and remove this incorrect personal information. I contacted Equifax on XX/XX/XXXX and spoke with a representative who stated that XXXX XXXX did not file my dispute properly and the only way to remove and update this information would be to send in documentation. I explained to her that I did not give written permission to use my information that my name is wrong and that I want my information removed immediately. I am in the process of fixing my credit to better my life and get a home and car for my children and I after having to leave an abusive marriage and start over. So to have to deal with these clear violations of the law is just frustrating and upsetting on top of what I'm already dealing with. She filed a new dispute for deleting my name and that dispute number is XXXX. Again these are clear violations of my rights and I want this information corrected and removed immediately. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. No financial institution is supposed to share my information to third party people. Also, according to 15 U.S. C. 16815-2 ( 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 These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to address a concern regarding the information on my credit report. After a recent review of my credit history, I have observed some inaccuracies that I believe require immediate attention and correction. 

Upon careful examination, I have identified late payments listed on my credit report that are not accurate. I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that the information on my report reflects my financial behaviour accurately. 

I kindly request your assistance in investigating and, if necessary, removing or correcting the following late payments from my credit report : 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 XXXX customer service representative. XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I understand the importance of maintaining a good credit history, and I am committed to resolving any discrepancies promptly. I kindly request that you initiate an investigation into this matter and update my credit report accordingly. I am confident that, upon review, you will find the necessary grounds to remove or correct the inaccuracies. 

Please provide me with a written confirmation of the actions taken to rectify this matter once the investigation is complete. Additionally, I would appreciate your guidance on any further steps I need to take to ensure the accurate representation of my credit history.
Consumer complaint received 2023-06-15
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. (MS)

XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XX/XX/XXXX Account # : XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (GA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge 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 XXXXXXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} 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 XXXXXX/XX/2022
Consumer complaint received 2023-06-05
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: Global Lending Services LLC (GA)

1. I was trying to buy a home and realized that i had damages on my report. According to 15 U.S.C 1681 laws there should not be any damages on my credit report. its a defimation of my character. 

2. In 2021, I purchased a car and to my surprise I see several hard inquiries for the same loan and I never gave permission to this. The only company that had permission to pull my credit report was XXXX XXXX as they were financing my loan. The dealer finance department did not communicate this with me, and made several fraudulent puls on my account, They took advantage of the fact that this was my first time purchasing a car. I came in with a pre-approval offer from XXXX XXXX. I did not authorize XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX : XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Report Act CXXXX, XXXX, Creditor : XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I am disputing this account, because this lender has committed a fraud under this account, and they need to be accountable to fix this issue on my credit report, if this issue is not fixing, I will hire an attorney to get this resolved.