davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2014 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2023-03-18
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)

According to U.S.C 1681 Section 602 I have The right to privacy 15 US Code 5 Section 1681b : Permissible purposes of consumer reports U.S.C 1681 Section 602 The right to privacy 15 US Code 5 Section 1681b : Permissible purposes of consumer reports Experian keeps on updating the fraudulent accounts on my credit report after I have asked them numerous of times to delete those fraudulent accounts. At this time I would like be compensated {$1000.00} per violation for them violating my rights. XXXX does not have me in their system as customer. They told me they dont have a date these alleged accounts were opened nor can they provide me a balance. They told me they told me they will be investigating, and deleting these fraudulent accounts, but less than a week after I submitted my dispute, I have already heard back from Experian claiming to have updated the accounts. Disputes take up to 30 days. A proper investigation can not be completed in less than 7 days. This is what I have been dealing with with Experian. This is racism, and notl only I would like {$1000.00} per violation, also I would like {>= $1,000,000} for pain and suffering. I have been stressed and unable to get housing, a good job, and get funding for my business. I truly believe I am being targeted by Experian, and I would like this settle in court since they are refusing to delete these fraudulent accounts. Once again I never signed any contracts with XXXX bank nor have I done any business with the entity to have them reporting on my credit file. I am seeking a lawsuit. I have reached out to my lawyer, and they will be receiving a court soon. The accounts I am referring to are below : XXXX XXXX
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (MN)

This is a debt collection from WayPoint Resource GR re : XXXX. This account does not have an account number, or address to mail disputes. My name is XXXX XXXX and I am writing regarding an invalid debt. I am requesting an itemize statement with what services and or items billed for this bill, when did these services began/end, I am requesting the original signed contract, a copy of the photo ID, a copy of the social security number required to open this account. I have attempted to call and locate an address to discuss my request. I have not received ANY letters, collections or statements from this company it just appears on my credit report. I am asking for these items because, it is a requirement to provide these items in order to open an account. This is not my debt. If this debt was true and honest this information will be available. However, I have not ever applied, signed or agreed to any services or product. This company is reporting false information and can not produce the documents to ensure that this is a valid and true debt. XX/XX/2020.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-22
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. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX This XXXX XXXXXXXX account is illegal and unauthorized and needs to be removed via USC 1681li ( a ) XXXX XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXXXXXX XXXX {$1500.00} Date Opened XX/XX/XXXX XXXXThis Bankruptcy is well over 7 years of the statue of limitations for reporting on credit bureaus . It must be removed from XXXX, Experian, and XXXX in a timely manner** Bankruptcy XX/XX/XXXX XXXX XXXX XXXX XXXX  {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2020-07-03
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: EQUIFAX, INC. (GA)

The account XXXX XXXX for {$190.00} was disputed and deleted on XX/XX/2020. It has now reappeared back in my report. This is illegal and I want it removed
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by. Based on their lack of responding in the time frame and their investigation results they have not abused by laws.
Consumer complaint received 2020-07-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank of America loan application : Application No. : XXXX I applied online with Bank of America for a joint auto loan as a primary on a joint application to assist my son with purchasing a used auto. I provided both parties PII and entered my son 's information stating that he was XXXX XXXX of age. The application did not stop or notify that the loan could not be processed due to his legal age. The application was submitted online and declined due to the secondary being XXXX YOA. I called to request the application be reconsidered without my son. I was told that the application was reviewed by 2 lenders and the decision was final. I asked why I was not contacted by phone or email to consider dropping my son from the original application. I was told that I would easily qualify on my own with a XXXX XXXX  score. I again asked for the applilcation to be reconsidered or updated to include only myself. Again I was told that was not possible and that I would need to reapply. I asked if the same credit report could be used or will I be subject to a second inquiry in a 24 hour time. I was told the current bureau could not be used again. My complaint is why did the appllication allow me to submit if the secondary was not of legal age? Why did no one contact me to attempt to make the loan? Why wont BAC use the same bureau? Why BAC delete one of the inquiries which is impacting my credit rating due to excessive inquiries? I asked for a manager and was told that I would receive a call back in 24 hours? When you are in the process of buying a car, a dealer wont hold a car awaiting the bank to get back to me therefore the car was subsequently sold. I am an exisitng small business, personal banking and wealth customer with Bank of America XXXX XXXX XXXX  - a phone call to try to make the loan or advise me on my alternate options would be far more professional than an electronic Adverse Action letter with not instruction on how to try to make the loan. 


This is the message directly from the website at the time of the application : " Next Steps One of our specialists will contact you to discuss the details of your loan request. '' NO attempt to contact me was ever made.
Consumer complaint received 2024-10-22
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. (CA)

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac-counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXXXXXX 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 2024-10-22
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. (NC)

My name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts XXXX XXXXXX/XX/XXXX account number 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  with balance of {$2300.00} an auto loan an auto loan opened with XXXX open date XX/XX/XXXX account XXXX balance XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (GA)

* XX/XX/XXXX - XXXXComenity Bank continued to charge me {$6300.00} plus {$15.00} interest for something ( a puppy ) that I never received or took possession of. 

* I am being charged for a {$6300.00} store credit that was created by XXXX when I changed my mind about purchasing a puppy on XX/XX/XXXX. 

* I initially visited XXXX on Friday, XX/XX/XXXX. A sales agent asked me if I was interested in knowing what the monthly payment would be on the puppy I was looking at. I said sure. I did not authorize XXXX to process a credit card application. I was subsequently told that I had been approved for a purchase. Three days later ( XX/XX/XXXX, after not picking up a puppy, I visited XXXX and informed the manager that I changed my mind. Instead of reversing the transaction, the manager told me that I had to accept a store credit and pay Comenity Bank. I do not have a puppy and I never took possession of a puppy. 

* XXXX XXXX management informed me on Tuesday XX/XX/XXXX ( in the store ) and Thursday, XX/XX/XXXX ( via phone ) that I must pay Comenity Bank {$190.00} a month to pay off their {$6300.00} store credit for 3 years regardless of whether I ever use the store credit or not regardless of whether I ever get a puppy from XXXX. 

* Comenity Bank sent me a XXXX credit card that I never activated. An adhesive strip attached to the credit card states " Call BEFORE USE to CONFIRM RECEIPT of your credit card and hear how to receive a {$20.00} GIFT CARD. '' * XX/XX/XXXX - I called Comenity Bank and disputed the charge on a credit card statement that closed XX/XX/XXXX, which I received in the mail. I was told that the matter would be investigated and I should get a letter in the mail within 30 days. 

* When I told the Comenity Bank representative that I never activated the XXXX credit card, the representative said XXXX activated it in the store.
Consumer complaint received 2023-06-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-07-08
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: AES/PHEAA (NY)

I have a letter from Fedloan Servicing distinctly stating that my loans were in forbearance from XXXX to XXXX. However they are reporting me 90 days late for the month of XX/XX/2020. I disputed this information and provided the documents ( attached to this complaint ) and they refuse to correct the falsely reported information. I spoke with a representative ( on their recorded line ) and he verified that my loans were and are in forbearance from XXXX to XXXX and current. Before that representative I spoke with someone else and he informed me that I am current in their system & told me they will not update the credit bureau. 

Please review the documentation & have them remove the late payments. You will clearly see the discrepancy. Thank you.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/20 TransUnion charged me XXXX dollars for a free account to freeze my credit. I thought they just wanted my card info to confirm my identity. Then when I called to get my money back, they kept telling me I was eligible for a {$100.00} Gift card if I paid XXXX dollars. I kept saying no I just want the {$24.00} refunded. Not once did I say I wanted the gift card. They charged me for the gift card anyways. I feel scammed. I know what an advance fee scam is. They used the info they already had on me to charge me without my consent. Twice.
Consumer complaint received 2024-10-22
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. (WA)

EXPERIAN HAS REFUSED TO VALIDATE THE CHARGE OFF FROM XXXX AS XXXX AND XXXX HAVE ALREADY REMOVED THE INCORRECT REPORTING OF A CHARGED OFF FRAUD ACCOUNT THAT IS PAST THE STATE STATUE OF LIMITATION IN WASHINGTON STATE AND THEY CONTINUE TO REPORT A FRAUDULENT CHARGE OFF THAT IS FROM 2015 AND IS WELL PAST THE WA STATE STATUE FOR COLLECTIONS ESPECIALLY SINCE ALL OTHER CREDIT REPORTS HAVE REMOVED THE FRAUDULENT ITEMS AT THIS POINT THE ATTORNEY GENERAL IS INVOLVED AND I HAVE NO CHOICE BUT TO PURSUE LEGAL ACTION AGAINST XXXX AND EXPERIAN UNLESS THIS CAN BE RECTIFIED
Consumer complaint received 2024-10-22
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.