davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (CA)

These Bureau 's continue to report unvalidated information on my credit report. Ive requested numerous times that this debt from XXXX XXXX be deleted from my consumer report due to lack of validation and proof that it was authorized by myself. I've even reached out to XXXX and there has been no response back. My next step is to file a civil suit against this bureau due to their lack of following the law and procedure. This action violates FCRA SEC 623, and is defamation and willful injury. I called and one of the reps was very rude to me. Another rep hung up in my face after asking the process of how these accounts are validated before they are placed on our consumer report. The rep pretty much said there is no PROOF required and its the company 's word against the consumer. Which is odd, so the consumer has to submit proof that its not theirs but the company submitting is not required to send contract binding proof that this alleged negative account belongs to the consumer. This sounds like ill will and character assassination in my opinion.How is this accurate and fair reporting if the accounts are not investigated before communication with the consumer or proof of a binding contract from the company submitting the information, and how is this permissible seeing that I am not in any consumer credit transaction with your company. Please explain this.Per 15 U.S.Code 1681b ( a ) ( 2 ) 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. Per 15 U.S.Code 1681c-2 ( a ) with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with XXXX XXXX is not relating to any transaction by myself, XXXX XXXX and XXXX are required to place a block on my consumer report on the information associated with XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. I've submitted an identity theft report along with a police report explaining how I did not authorize this account to be opened and that this unauthorized account is still being reported on my consumer report. As the consumer I'm entitled to know how these accounts are verified and Experian and XXXX refusal to cooperate is unacceptable and goes against my consumer rights under FCRA.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I disputed XXXX XXXX and XXXX with XXXX, XXXX and TransUnion with a copy of the police report over and lever, they dont do anything those accounts are due to ID theft, I didnt do them and never heard of XXXX and never opened any loans or accounts with XXXX XXXX XXXX I even sent them a police report.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (AZ)

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : I demand that you delete the charge offs on my report from XXXX and XXXX XXXX XXXX I also demand that all my late payments form XXXX XXXX and self get updated to paid on time. 

Thank you for your cooperations Sincerely, XXXX XXXX XXXX. XXXX
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My credit card ( Bank of America XXXX XXXX XXXX XXXX  ) has been the subject of fraudulent activity over the last 8 weeks. I have had three new cards issued, and there have been several fraudulent transactions not authorized by me, with consistent merchants, one of which being XXXX. 

I became aware of a feature known as XXXX XXXX XXXX XXXX XXXX or " XXXX '' and I believe this service has contributed to the fraudulent activity being perpetrated at my expense. My understanding is there are several merchants, who keep my credit card information on file ( XXXX  ) and these merchants benefit from XXXX, which updates them with new credit card detailed information ( such as number and expiration date ) as I have new credit cards issued. I believe there is a link between this XXXX  service and the scammer 's performing the fraudulent activity. 

When I requested that BofA opt me out of the XXXX service, they said they could not. I was able to locate a merchant list for the XXXX program, and I am cross referencing the merchant list with merchants on my credit card statement, however I am not sure how best to address these concerns with each an every merchant. 

This seems like something which should be researched to protect consumers.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Credit Bureaus stated my account was properly investigated. I do not agree. This information cant be accurate if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. These issues have had a negative impact to my file which is a violation. This shows grounds for removal they also have violated my rights under : 15U.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
Consumer complaint received 2022-05-03
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. (TX)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX NA Inquired on XX/XX/2022 ; XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX  ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

Ive been in the process of applying for a mortgage for the past several months. The XXXX obstacle stopping us from obtaining the loan is Equifax. 

My lender has been unable to access my credit report from Equifax, and so have I. I have repeatedly contacted Equifax to resolve the issue with no avail. Ive been asked to send in documents to verify my identity over and over again. Starting in XXXX, I have sent in several copies of my drivers license and social security card after being told that the previous attempt failed. 

I have lost complete faith in this company as I have sent in my documents over XXXX times now, and have still been unable to access my credit report. I am unable to get a loan because of them, and have lost tens of thousands of dollars as rates have gone exponentially higher.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (FL)

Experian has violated my protected federal consumer rights on multiple occasions and instances. Referencing Account # XXXX, XXXX and XXXX all from US Dept of ED and US DEPT OF EDXXXX. This account was removed due to reporting compliance errors and has as been added again with incorrect information. According to Experian information is sold between collection agencies the open date/ account date is not to be changed as in making the old debt appear new. This was clear violation when my account went to US DEPT OF ED/XXXX that had a open date of XX/XX/XXXX. As of XX/XX/XXXX the account was again disputed and removed from my report which shows proof that you have been willfully negligent is correcting these inaccurate reports and information. Still without written notice to me the consumer this transaction is negatively affecting. referencing my report from XX/XX/XXXX the loan was placed back on my account with another fraudulent open date. Not once was I notified nor were there any reasonable procedures maintained to prevent reappearance to this deleted material pursuant 15 USC 1681 I ( C ). This information is not only inaccurate, but it is fraudulent as well. Also, I never gave Experian nor US Dept of EDXXXX written instruction to furnish anything in my name, pursuant to 15 USC 1681 b # 2. It is illegal under the FCRA to furnish information that is knowingly inaccurate and incomplete, pursuant to 15 USC 1681 s-2 ( a ) ( b ) ( 2 ). Experian is willfully non-compliant and hereby liable pursuant to 15 USC 1681 N & 15 USC 1691 K. These accounts XXXX, XXXX and XXXX have been deleted and reinserted without written notice given to me a total of 3 times. These multiple occurrences and reinsertions prove that this wasn't a mistake or unintentional. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that ( Bank OF America Georgia XXXX has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by ( Bank OF America Georgia ). 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted at ( Bank OF America Georgia ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( Bank OF America Georgia ), bearing my signature, showing that I have a legally binding contractual obligation to pay them.

A bank employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the state of Georgia Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2023-07-04
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. (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 : XXXXXXXX XXXX  XXXX # XXXX balance {$410.00} Account name : XXXX XXXX balance {$1100.00} Account name : XXXX balance {$60.00} XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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 2022-10-04
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: Experian Information Solutions Inc. (CA)

The credit bureaus are reporting inaccurate & unknown information on my credit report. My credit report reflects a total of 15 unknown accounts in the amount of {$56000.00} from lender by the name of XXXX. In my attempt to validate this debt via mail XX/XX/2022, I received a return mail noticed due to " NOT DELIVERABLE AS ADDRESSED ''. I addressed this letter according to the information reflected on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I brought this to the credit bureau XXXX attention, to have these accounts deleted from my credit report, confirmation # XXXX. Experian case # XXXX. This is a direct violation of my rights under 15U.S.C 1681 ( n ) : Civil Liability for willful noncompliance, 15U.S.C 1681 ( a ) : rules of construction, 15 U.S.C 1692 ( e ) False or misleading representations, & 15 US.C 1692 ( g ) : Validation of debts
Consumer complaint received 2024-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I am set up with autopay for my student loans with Mohela. In XX/XX/year>, Mohela changed how they were applying my payments and instead of applying the payment across all loans, they changed it to all go to XXXX loan and are reporting the other loans as passed due. All payments were being applied correctly up until XX/XX/year>. I spoke with customer service on XX/XX/year> and was on the phone with them for over an hour. They acknowledged the error and stated they would turn it over to a supervisor. On that call I also inquired why one payment I made ( XX/XX/year> ) was not showing a

nd they said they could see it on their end, but it had not been applied to my accounts. They corrected that. They are still applying my autopayments to only one loan and are reporting the other loans as passed due. I also get letters that have different amounts due for the loans.
Consumer complaint received 2022-05-03
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: Consumer Portfolio Services, Inc. (MS)

This is attempt # 3 that includes new and updated information regarding the improper use of my credit report. I have reviewed the original alleged contract and have found several discrepancies that include some of the following : 1 ) Consumer Portfolio Services does not have written or verbal consent to report to any consumer reporting agencies. This is a violation of my privacy. 18 U.S. Code 1028A ( a ) ( 1 ) 2 ) XXXX illegally and knowingly collected a down payment amount of XXXX while also collecting financing for the alleged contract agreement. 15 U.S. Code 1605 ( a ) 3 ) Reporting my account as " paid by insurance '' on my credit file as ANY mention of me having insurance is in violation of 15 U.S. Code 1681a ( i ) ( 2 ) 4 ) The alleged contract agreement has several financial discrepancies which includes miscalculation of total charges and payment amounts. 

I am attaching the portion of the phone conversation where the XXXX representative made a motion to resolve this issue. I am requesting the following remedies : 1 ) deletion of this credit account from all of my credit files.

2 ) a letter confirming the deletion of this account from all credit reporting agencies.

3 ) Reimbursement of fees which shall include the down payment, late payment fees, recalculation of accurate finance charge, and any fees to remedy for pain and suffering. 
-Two separate payments must be provided to account for the illegal and predatory acts taken against my wife and myself.