davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 15 U.S. Code 1681i ( 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 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. ''
Consumer complaint received 2023-09-17
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. (IL)

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 the Experian and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-08-08
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)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian 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 2023-09-17
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. (IL)

I, XXXX XXXX XXXX is writing you to complaint about my identity theft. 
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C. 1681c ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ), 16 C.F.R. XXXX, XXXX, AND EXPERIAN USES FOREIGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!! I have not supplied proof under the doctrine of estoppel by silence, Engelhard V. graven ( Mo ) 281 SW 715,719. I presume that no proof of the alleged debt, in fact therefore exist. Per the fair credit reporting Act, Section 611 ( a ) ( 5 ), you have 30days to investigate disputes. If you can not verify the information within 30-day time period, you must delete all the disputed accounts from my report. You must now delete the disputed and unverified accounts.

Violations of 15 USC 6508 15 USC 6802 15 USC 6805 15 USC 1681B The reporting of late payments. Violation of the Privacy act of 1974 The Education and Privacy act of 1974 UNAUTHORIZED INQUIRES ON XXXX, EXPERIAN AND 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2020-02-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Guglielmo and Associates (AZ)

I feel my consumer rights are being abused with high interest rates and the creditor not furnishing the original bill so that I can see what I'm being billed for an what the original bill/contract stated the maximum interest I can be charged. 

In 2008 I went to XXXX Hospital, which third party billed to XXXX XXXX XXXX, then to an attorney that I feel has bought the medical bill and charged me {$4600.00} on an {$750.00} bill. The attorney has informed us they are representing XXXX XXXX but I feel they have bought this bill and charged me not only a lot of interest but filing fees and attorney fees on top of the original bill. 

My checking and Savings have been garnished and frozen in regards to this.I have called XXXX hospital, XXXX XXXX, the attorney and I've gone to the court house ( per the attorneys direction ) to get the original bill/contract that I signed to see why I'm being charged so much in interest and how do they know what to charge if they don't have the original bill or contract? Nobody has the original contract so I feel it is my right as a consumer to see this original bill or contract. How does this attorney know how much to charge me if they don't have the original bill or contract? 

I hope that by reporting this to the CFPB, you can help me obtain this original bill or contract to see if I am being billed within my rights as a consumer.
Consumer complaint received 2023-09-17
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: EQUIFAX, INC. (SC)

I have received a copy of my credit report with the intentions of trying to improve my credit and take care of my applications and noticed if you accounts that I want it explanations for. Im not saying they reporting right or wrong. Im just saying that I am sure they are reporting wrong. I also read something called the fair credit reporting act which is sad by law I have the right to challenge anything I am not sure is accurate. And once I started to contact the reporting agencies to dispute some of the things that were on my credit report it seem as if they updated their information with my information that I was giving them. 

I also thought that all three of the credit beaur were supposed to be report the accurate/same information. My reports are not showing the same information In accordance with the fair credit reporting act XXXX  account XXXX for XXXX, XXXX, and Equifax has violated my rights. 


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

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

15 U.S.C 1681i ( a ) it states if you can not provide proof accounts must be deleted.

15 U.S.C 1681s-2 ( F ) ( ii ) it states that if the credit obligation or account was delinquent before the pandemic ( aa ) the account must maintain the delinquent status doing the period in which the pandemic is in effect. 
( iii ) it states that no changes should be made to a charged off account. 
I would appreciate it if these accounts accounts are deleted if they are not 100 % right and accurate/correct. Could you please check on these accounts and get back with me? I also saw on the credit site in XXXX where you have 30 days to complete the investigation please investigate the following accounts and remove them if anything is missing or not correct on them. 

Thank you in advance
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$910.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle on XXXX. ( Please see copy of the Vehicle Invoice. ) In addition, on the same day I purchased the vehicle, I also purchased GAP Insurance. ( Please see GAP ADDENDUM attached. ) I was involved in an accident that resulted in the vehicle being deemed a total loss. XXXX XXXX XXXX XXXX XXXX ( Letter attached dated XXXX ) has broken down the coverage of the vehicle as follows : Original Amount Financed XXXX GAP Contractual Maximum XXXX Contractual Payoff XXXX Minus Adjustment/Warranty XXXX Minus Net GAP XXXX Minus Primary XXXX Minus Misc Adj XXXX Total GAP Settlement XXXX TOTAL OWED XXXX  The GAP Addendum clearly shows there was coverage and any remaining balance due was paid. Consequently, the charge-off being reported is false and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX : XXXX hours spent entering information to dispute XXXX credit card accounts on my credit report. Name corrections/deletions also submitted. After online submission, a pop-up stated that online disputation was temporarily XXXX, suggested calling an agent. 

Called the suggested number : agents in XXXX, passed from XXXX to another, XXXX not so good ; scripted responses ; not to over-tax the last agent, I supplied info re : only XXXX disputes ; tried to correct name issues ; i was presented with questions for verification in order to do so ; I failed on a question regarding current/previous ZIP codes, all of which started with XXXX. I never lived in a an area with a ZIP code other than those that start with XXXX. I answered " none '' to the XXXX ZIP codes starting with XXXX ; the agent said I failed and therefore could not make name corrections. 

XXXX, like the other XXXX credit bureaus, are much more interested in selling their identity products than they are with actually helping consumers with credit issues. All three should be investigated and managed appropriately by the CFPB. Their mission is to help consumers, not sell products.
Consumer complaint received 2020-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Keith D. Weiner & Associates Co., L.P.A. (OH)

I have a civil judgment from Keith D Weiner & associated which I had been paying on at {$75.00} per month. I changed banks and previously had an auto draft Payment arrangement. I had received a letter stating they had received my payment and to call the office. I called the office and was told that my XXXX was {$75.00} which happened to be the same amount as my payment arrangement I found that odd and ask for that in writing I never received it. The next thing I knew I was being garnished a month later. 

XXXX County Municipal Court case # XXXX judgment amount was supposed to be {$400.00}, they garnished {$1000.00} creating an overpayment of {$600.00}. Three garnishments were taken from my paychecks on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I was paying for a judgment that had already been satisfied, and they wouldnt stop garnishing my pay. I called the office on several occasions. I spoke to a collector named XXXX - every time I ask him why are you still garnishing my pay for a job that is already paid he said I dont know. When I asked him how can I get this garnishment to stop he said I dont know. I asked him who is going to refund my overpayment he said I dont know. 

After disconnecting the call I called back and asked for his manager whose name was XXXX as well. I left him a message twice and never received a callback. My message was very clear I left my number as well and still no call back its been 10 days. 

I called XXXX Clerk talked to XXXX in the clerks Civil Division, She had advised me that Keith D Weiner and associates had never sent over a release, In addition I checked today and no release was sent. Furthermore they stated they do have a small overpayment thats going to be released to no one basically, stating that Keith D Weiner and associates has file an entry that any overpayment needs to be sent back to my employer and they havent done that either. 

Today I received an email from HR that said I have to get my refund from KDW or the courts. 

Keith D Weiner is keeping my overpayment. 
In addition they sent me a release stating the judgment was satisfied, they sent one to XXXX our payroll company, but didnt send one to the court. The court said that they will not except my fax copy that they need it from the actual plaintiffs attorney. In addition they dont have any entry stating that they can refund the overpayment, if they have one nor is Keith D Weiner and associates returning my call about the overpayments. 

Its now just a few dollars its {$600.00} in overpayment. 
In addition a copy of the judgment that I received, is not correct. As I have been paying {$75.00} a month for several months as they were taking it right out of my bank account. Therefore there is a larger over payment then what I noted.
Consumer complaint received 2023-09-17
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. (CA)

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 has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX  XXXX # XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX has violated my rights Collection # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instruction. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i moved to a new location from my driver license and transunion ask me to update my address to match my id so i did on XX/XX/2020 and have letters to proved it .Now they are stalling with my Dispute asking for the same thing this month knowing that they already Have it and don't wont to focus on the dispute at hand.
Consumer complaint received 2020-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

Waypoint Resource group has a collection on my credit report that does not belong to me. It says it's for {$220.00} from XXXX. Whats funny is I have XXXX  services at my home. Have had them for 3 years. I can't figure out how they think I owe them money when I pay my bill every month and I continue to have service with them. I sent a letter to Waypoint XX/XX/XXXX asking for " validation '' bearing my signature saying I owe the debt. Of course they never responded so after 30 days I sent them another letter XX/XX/XXXX asking for " validation '' with my signature. They finally responded with just a bill statement and of course no signature of mine. I've had enough of these people damaging my credit over {$220.00} so I'm filling with small claims against them. {$1000.00} for each violation of Defamation, neglect enablement of identity fraud, violation of the Fair Debt Collection Practices Act, and violation of the Fair Credit Reporting Act. Cant wait to count my money
Consumer complaint received 2020-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I tried disputing the incorrect information on my credit file. To no avail, the action I have taken was rejected and I was given a demand. How can XXXX  say to me? To send them forms with proof this isn't my account. How is that possible? If this isn't my account, how would I have proof?
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

I WAS MISLEAD AND PAID A COMPANY USING MY 2 CREDIT CARDS. I PAID XXXX XXXX {$3200.00} ON XX/XX/2012 AND ANOTHER {$8800.00} ON XX/XX/2012 WITH MY XXXX CREDIT CARD.. I PAID WITH MY CREDIT CARDS AND HAVE TRIED TO DEMAND A REFUND FROM THE COMPANY AND CREDIT CARD COMPANIES. THIS COMPANY TOOK ADVANTAGE OF A SENIOR CITIZEN AND DID NOTHING AT ALL FOR ME.