davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-07
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2023-12-27
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. (GA)

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. XXXX failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX | ACCOUNT : XXXX | {$0.00} XXXX  | ACCOUNT : XXXX | {$1800.00} XXXX | ACCOUNT : XXXX | {$0.00} XXXX XXXX XXXX ACCOUNT : XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX | ACCOUNT : XXXX | {$0.00} XXXX XXXX XXXXXXXX | ACCOUNT : XXXX | {$5900.00} XXXX | ACCOUNT : XXXX | {$18000.00} XXXX XXXX | ACCOUNT : XXXX | {$17000.00} XXXX XXXX XXXX | ACCOUNT : XXXX | {$1000.00} XXXX XXXX XXXX | ACCOUNT : XXXX | {$1800.00} XXXX XXXX XXXX | ACCOUNT : XXXX  | {$730.00}
Consumer complaint received 2019-11-07
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. (TX)

I have been contacting Transunion regarding misinformation reporting on my credit report since XX/XX/2019. I have asked for Transunion to provide me with " hard evidence '' that goes all the way back to the original creditor, not verification from a third-party database of the information reporting on my account. Instead of providing requested proof, yet " another '' collection agency was added to my report and no proof has been provided for this one either.
Consumer complaint received 2019-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NC)

I filed a complaint of an unauthorized transaction on XX/XX/XXXX  in the amount of {$270.00}. The results of the claim states that there was no duplicate transaction. The claim that I filed was in regards to an unauthorized transaction in which I was overcharged on my bill. The results are confusing and unclear because I never stated there was a duplicate charge. The transaction was unauthorized. I am requesting that all documentation that used in the decision of the claim be provided to me promptly.
Consumer complaint received 2023-12-27
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: Experian Information Solutions Inc. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. 5 unauthorized fraudulent accounts where opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Report Number : XXXX Date Ready : XX/XX/2023 Source : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are Chargeoffs, they have no scheduled due dates. Why are they being reported late every month? I demand that these accounts be deleted from my account Also These Organizations have XXXX XXXX these accounts. 
WHERE ARE MY XXXX RELATED TO THESE CHARGE OFFS?
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

Sls mortgage company claims that they used my escro funds to apply towards my payoff. XXXX XXXX asked for a payoff and SLS mortgage used {$890.00} of my escrow funds o apply towards the payoff. This doesnt make sense. I was owed {$1200.00} and they deducted the difference without any itemized break down. Important note : SLS mortgage also charged me a late fee of {$35.00} which was deducted from escrow. I have 16 grace period days to pay. I was not late. This is unethical and bad business practices on their part to steal {$35.00} from me. I was never late. They received there payoff on time before the XXXX day of XXXX.
Consumer complaint received 2023-12-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION (FL)

I received A refund check from Navy Federal Credit union in the amount of {$98.00}, for my escrow. During the months of XXXX and XX/XX/XXXX, I paid extra escrow in the amount of {$450.00} to cover the shortage just in case there was one.

Navy stated to me that my Home owners insurance went up more. My question to Navy Federal was that if you sent me a refund check of {$98.00} Why is my monthly payment going up from {$860.00} to XXXX. The representative stated that was for my insurance. To me it does not make since. 

The increase is suppose to take effect on XX/XX/XXXX. 

If I paid the extra XXXX, and received a refund, my payments should not have gone up.
Consumer complaint received 2023-12-27
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. (KY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AR)

The account in question has been disputed and removed from my credit reports several times. This account starts with XXXX for XXXX this is not valid debt. Now its posted on my XXXX   report again. This needs to be addressed! Remove this account out of my name and off my reports.
Consumer complaint received 2023-12-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (FL)

A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

Account Number : XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. 
According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX XXXX XXXX assistance in reviewing the status of the charged-off amount associated with my account. Additionally, Opt-Out Request Under the Fair Credit Reporting Act ( FCRA ) was sent to cease all negative reporting.
Consumer complaint received 2023-12-27
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. (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 Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : 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 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (AZ)

They refuse to credit my account for a fraudulent transaction. 

They can not send me information on what the purchase was for. 


RE : XXXX # XXXX & XXXX Dear XXXX, Why did your short my auto-payment by {$110.00} ( the amount of my dispute ). 

That caused me to incur a finance charge. 

The {$110.00} charge is fraud from a scam artist company ( see below ). 

Please credit my account the finance charge and the {$110.00} charged due to fraud. 

Thank you, XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX is a fake online store! 

XXXX : {$110.00} Dispute Apparently, they came up with some phony mail receipts. 
Please resend them to me as I am going to report them for mail fraud. Their emails bounce. 
Thank you, XXXX This is an automatically generated Delivery Status Notification. Delivery to the following recipients was aborted after XXXX hour ( s ) : XXXX XXXX XXXX : There was an error while attempting to deliver your message with [ Subject : " Hi, You charged by XXXX credit card {$110.00} on XXXX. What was it for? I have no record of receiving anything. Please advise XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : GB - XXXX XXXX XXXX Account Number : XXXX Currency : US XXXX ( USD ) Merchant : XXXX XXXXS Merchant Information : XXXX XXXX XXXX XXXX Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX Transaction Type : Purchase Reference Number : XXXX
Consumer complaint received 2023-12-27
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. (GA)

For almost a year now, I have been attempting to have XXXX removed from my credit profile. This account is inaccurate and by the means of fraud. Ive never had a XXXX XXXX account ever and this has been hurting my ability to Bank and my ability to function in society. Ive been reporting this matter for over a year now and Experian continues to report this innaccurate information on my account. 

By FCRA they have the duty of removing and correcting Inaccurate, incomplete, or unverifiable information usually within 30 days. 


Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

- If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Due to the overt disregard for the Law which all credit reporting agencies and furnishers must comply by I demand a serious removal of the XXXX  account from my credit reporting profiles immediately also The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRA ) demanding that furnishers and credit reporting agencies adhere to my rights and obligations. 

this had been demeaning and hurtful to my ability to BANK, LIVE, WORK. and ive stated with clearness that this is Not mine never been my account and I wish for this to be REMOVED!
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

Last year a complaint was filed against XXXX, and now the same debt appears on my credit but under a different collection company, " Diversified consultants ''. 

I have no knowledge of this, I have never done business with XXXX ( and never will after this ). 

I have been living at the same address for 28 years with the same phone number for over 12 years, I have never been contacted on this matter. 

The only reason I am aware is because I check XXXX XXXX and I have automatic notification every month.
Consumer complaint received 2023-12-27
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-27
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. (CA)

I filled disputes with the credit agencies via the CPFB web site, each agency, the date of submission and the CPFB case number is listed below XX/XX/2023 - XXXX Experian-XXXX XXXX However , the credit bureaus said they completed my investigation and everything was 100 % accurate for majority of the items that I disputed. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation? 
Did they only communicate with the companies listed on my credit report to verify information? 
Which one of my neighbors, friends or associates did they have a personal interview with? 

In the complaint I sent, the below accounts on my credit report were being disputed. 
XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.