davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (NY)

EXPERIAN is a CORPORATION and a corroding to 15 U.S. Code 1692c - Communication in connection with debt collection It is against the Law for a CORPORATION TO CONTACT A CONSUMER. EXPERIAN emails at all kinds of disrespectful hours of the night or morning, ESPECIALLY after I file a report such as one from CFPB, and now XXXX has joined their party, Ive requested for the unlawful activities to be ceased and desist but instead I get flooded with letters informing of a monthly payment in order for them to stop I would need to pay them monthly. This is XXXX at its finest and it feels like CFPB is working with these XXXX XXXX XXXX XXXX, that call themselves a CORPORATION, EXPERIAN XXXX XXXX continue to break several codes, laws, and statuettes on an hourly basis and gets no repercussions for their ILLEGAL behavior. Multiple complaints of violating USC/UCC I demand monetary relief by 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] - ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2023-12-07
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. (PA)

XXXX XXXX I was never late on this account- Please check the status on this account. 

XXXX XXXX  This is completely inaccurate. 

XXXX XXXX XXXX XXXXXXXX I do not recognize this. 

XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXXXXXX This doesn't belong to me. 

XXXXXXXX XXXX XXXX, I dont recognize these inquiries. 

XXXX XXXX XXXX XXXX The following personal information is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect.
Consumer complaint received 2019-02-12
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. (TX)

ATTENTION : EXPERIAN DISPUTE DEPARTMENT I am sending this dispute letter after submitting complaints with the CFPB regarding the following : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items XXXX XXXX XXXX XXXX : XXXX This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION! 

The terms are inaccurate. 
There should be no negative payment history reflected on a credit file once the account is closed yet Experian still shows negative payment history for this account being recorded monthly. 
There is no listing of the date of last activity on my credit report for this account. That is a FRCA violation. 
There should not be past due on a closed and/or charged off account yet Experian lists a past due of {$370.00} on this account. How is that accurate?
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US Department of Education : account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$910.00} XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

My complaint doesn't exactly fit with the descriptions that are available, but I think it's valid. The complaint i have is around inaccurate information being released as part of my credit report. Specifically, when it comes to credit utilization. I fully understand that credit card companies have the right to lower credit limits but when that new number is reported to the credit reporting agencies it causes a cascade of inaccurate results. The key to note is that my utilization hasn't changed so when the credit companies ' lower limits they are in fact influencing the utilization score. Example If I have a card that had a {$10000.00} available credit and I used {$1000.00}, a year later the cc company decides for whatever reason to lower it to XXXX, I've gone from a utilization of 10 % to a utilization of 66 % but the argument stands I didn't utilize 66 %, the credit card company created this utilization and now the user has to deal with the consequences of inaccurate classification and reporting. Which typically lead to other creditors reviewing utilization and deciding they will lower available credit to similar levels, and it just keeps going. I've had this happen a couple of times, and I never fault the creditor it's within their right, but " my utilization '' needs to be the factual number of my use with the credit that I had available. Additionally, I already know Pay down your card to get your utilization percentage back, that still doesn't change the fact that my credit score can be impacted by arbitrary actions a creditor can take. It doesn't change the fact that my utilization score can be manipulated by the creditor and as such is not a true representation of my actual use.
Consumer complaint received 2023-12-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC (TX)

My girlfriend and I live together and have XXXX children and a XXXX XXXX XXXX XXXX 

Our mother has moved in to help with the children. 

My job industry has taken a downfall and am not making as much as needed to consistently maintain my {$3200.00} mortgage payment at this time. 

Thank you
Consumer complaint received 2023-12-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Today XX/XX/2023 I received a letter from Bank of America informing me that they have made a decision to close my accounts. I contacted the headquarters and was told my a representative that the decision is permanent and they can not disclose why the decision was made. I realize that I do have a legal matter with the government but I am fulfilling my obligations with them. I have been with Bank of America for many, many years. Please advise. What recourse do I have? 
Thank you.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This erroneous reporting is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep concern and frustration regarding the numerous attempts to remove fraudulent items from my credit file. Despite my efforts to address and rectify this situation, it appears that unauthorized parties are persistently attempting to manipulate my credit report, raising serious questions about the security and accuracy of my credit information. 

On multiple occasions, I have observed and documented several attempts to remove fraudulent items from my credit report without my consent or validation. These actions not only jeopardize the accuracy of my credit history but also indicate a potential security breach. 

Despite the significant impact of these removal attempts, I have not received any communication from your agency to verify or authenticate such changes. The absence of proper verification procedures is deeply concerning and contributes to the ongoing vulnerability of my credit information. 

The persistent nature of these removal attempts has heightened my concerns about the risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a thorough investigation to prevent further unauthorized alterations to my credit file. 

I am formally requesting that your agency conducts an immediate and thorough investigation into these incidents. I also seek regular updates on the progress of the investigation and detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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. (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. 

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 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : XXXX XXXX XXXXXXXX
Consumer complaint received 2018-12-19
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. (NY)

I do not think that is fair that the three credit reporting agencies have " negative '' information on me for accounts that I struggled to pay in full. It's like being punished for trying to do what is right. If I did not pay them, then I can understand having negative information on my account. The credit agencies say that the creditors have to remove the information and the creditors say the agencies have to remove it. I am at a loss trying to get this resolved : - ( If a person pays their bills, then their credit should be good.
Consumer complaint received 2023-12-07
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

I am writing to formally file a complaint against Jefferson Capital Systems , LLC for unfair and deceptive business practices related to the handling of my account. Despite my efforts to resolve the issue directly with them, I have been unsuccessful in obtaining a satisfactory resolution. The details of my complaint are as follows : I was contacted by Jefferson Capital regarding a debt that I do not believe I owe, or at least not in the amount they claim. I requested validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), but Jefferson Capital has failed to provide adequate documentation to support their claim. Despite this, they continue to report this debt on my credit report, which has had a negative impact on my credit score.

Additionally, I have experienced harassment through frequent phone calls and threatening letters. I have asked for all communication to be in writing, but they continue to call. This behavior is in violation of my rights under the FDCPA, and I am concerned about the improper handling of my case.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm sending this to let you know that the listed company has an unapproved inquiry on my credit report. Below are the name of the company and the dates on which I acquired the inquiry. 
XXXX XXXXXXXX
Consumer complaint received 2024-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (AR)

THIS " DEBT '' is being collected fraudulently outside the STATUTE OF LIMITATIONS in Arkansas. 

In XX/XX/XXXX, I entered the XXXX XXXX at XXXX XXXX XXXX XXXX. My insurance was provided. My insurance was at the maximum out of pocket limit at the time of service so I was not expecting a bill. 

Someone at the hospital made an error. The visit was submitted as workman 's compensation when that was never claimed. 

In XX/XX/XXXX, a collector began reporting to the bureaus that I owed a medical debt of {$1900.00} to a XXXX XXXX XXXX XXXX XXXX'. No information had been provided before then and no paper bill or document from the hospital, doctor, or notice from our insurance of a bill being owed was ever received. 

I disputed the debt but looked into finding the original creditor. The collector reported back to the dispute as having " verified '' that information and on some bureaus slightly altered the date to XXXX XXXX. We had not been to any XXXX XXXX or hospital since XXXX. 

After locating and contacting XXXX XXXX XXXX ( the servicer that manages billing for the physicians at the hospital ) they verified that debt amount and the date as XX/XX/XXXX not XXXX. 

Then contacting the former insurance company at the time they verified the medical bill had been submitted to them but was listed as " XXXX XXXX '' so it did not move forward. The agent on the phone verified the XX/XX/XXXX date and the amount {$1900.00} as well as indication that not only was that the incorrect charge with our insurance but we would not owe given the status of our insurance. 

We have provided this information to the bureaus. Because the collector is reporting the medical debt falsley as occurring in XXXX it will not automatically be removed at the right time. Nevermind that we do not owe the debt.

This has dropped my credit score by XXXX XXXX XXXX  and prevented my attempts to apply for a mortgage. 

Disputing with the bureaus has proven useless. They have not changed the information and falsely claimed to have verified the information. The option to work with the agent and original creditor to reprocess the debt is on going but slow. We are also not certain of the XXXX score recovering to where it was prior to this fraudulent collection.
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COOLEY ENTERPRISES INC (TX)

I HAVE MADE ATTEMTS TO CONTACT FINANCE DEPARTMENT AT CLAY COOLEY XXXXXXXX XXXX XXXXXXXX AND HAVE NOT HAD A RESPONSE. I WAS FORCE ( TOLD I COULDNT GET FINANCING UNLESS I PURCHASED A {$3500.00} EXTENDED WARRANTY ) ALSO FAILED TO GIVE COPY OF CONTRACT AND EXTRA KEYS
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (CA)

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 2023-12-07
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)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your XXXX credit reports.