davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX This account is well over the reporting period, Account was closed back in XXXX But still reporting on credit profile with last payment showing XXXX. 

Please see screenshot for reference. 
Original amount XXXX XXXX amount : XXXX
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My Experian score dropped 25 points due to XXXX reporting my account as closed. Per my Experian credit score, it was reported XX/XX/18. When I checked my score XX/XX/18 is when I noticed it had dropped. My loan in currently deferred, so it should not show as closed, as that is inaccurate reporting.When I check XXXX XXXX, which using a different scoring module, it shows open, as it should. I have called XXXX and was told they " have nothing to do with that ''
Consumer complaint received 2023-09-08
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. (MS)

In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY (NY)

I filed a fraud claim on XX/XX/2020, for 3  unauthorized charges : {$100.00}, {$280.00} and {$40.00}. I sent over the claim form filled out and signed on XX/XX/XXXX. I waited 10 business days to be told that my claim was denied. I gave them very detailed information regarding the unauthorized usage of my debit card on the claim documents. My wallet was stolen that contained my card. The perpetrator used my card at a convenience store and bank ATM. I can see where my pin number was attempted multiple times by the perpetrator before being successful ; however, AmericanExpServe supposedly has " proof '' that it isn't a valid claim. Unless they have actual video footage, their findings are unsubstantiated, unfounded, and carelessly investigated. I am appalled with their investigation process ; it's inadequate and inept. I called multiple times to try to obtain the " documents '' they used to determine the outcome of my claim, but there's an extensive wait ( 3 hours+! ). In fact, I have to write them in order to find out what was used, which was NOTHING that is plausible. Absolutely absurd. Aren't you suppose to mail it? They made up a reason to deny my claim, literally! Those " documents '' could've been e-mailed, along with their very poor excuse for denying my claim.
Consumer complaint received 2023-09-08
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. (CA)

Subject : Formal Complaint Regarding Inaccurate Collection Entry on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collection entry on my credit report that contains significant errors in both payment history and the outstanding amount. I believe that these inaccuracies not only violate the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 804, but also the Fair Credit Reporting Act ( FCRA ), as outlined in Section 1681.

I would like to bring to your attention the following details regarding this issue : Description of the Error : Upon reviewing my credit report from XXXX XXXX XXXX, I discovered an entry for a collection account under the name of ABSOLUTE RESOLUTIONS. However, I have serious concerns about the accuracy of this entry. It reports that I made late payments in XX/XX/2019, and the outstanding balance is listed as XXXX. I maintain that these reported late payments and the indicated balance are not accurate. 


Communication with the Collection Agency : I have made numerous attempts to contact XXXX XXXX XXXX to rectify this issue and provide them with the necessary evidence to correct the inaccuracies on my credit report. Despite my efforts, they have not responded or taken any action to resolve this matter.

Impact on My Creditworthiness : The inaccuracies in this collection entry have had a severe negative impact on my credit score. This has made it exceedingly difficult for me to obtain credit, and secure reasonable interest rates, and has even hindered my ability to pursue housing and employment opportunities.

Violation of FDCPA and FCRA : I believe that the inaccuracies in this collection entry are in violation of FDCPA Section 804, which mandates fair and accurate debt collection practices, and FCRA Section 1681, which requires accurate reporting of consumer debts. Both laws also ensure that consumers have the right to dispute and correct any inaccuracies on their credit reports.

I am well aware that the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) mandate accurate and fair reporting of consumer debts. These laws also ensure that consumers have the right to dispute and correct any inaccuracies on their credit reports.

I kindly request that the CFPB conduct a thorough investigation into this matter and take appropriate action to rectify the errors on my credit report. Additionally, I request that the corrected credit report be provided to me and to any relevant credit reporting agencies to ensure an accurate reflection of my financial history.
Consumer complaint received 2023-09-08
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: FIRST CITIZENS BANCSHARES, INC. (WI)

There is an account reporting but I have never had an account with first citizen bank and trust. 

They bought out a bank that shut down in XXXX, WI. 

I had an account with the original bank and first citizens returned my money because they didnt offer the same product the original bank offered. ( I have the check to prove they paid me back ) I never held an account with first citizens bank & trust so how can I have multiple late payments? 

Please delete this entire account from my consumer file. I want to exercise my right under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 1681a ( 2 ) under the exclusion section. 

I have been violated according to 15 U.S. Code 1692g section a & b. 

If this account is not removed from both my XXXX and XXXX reports within 30 day of receipt of this complaint I will sue. 

I have disputed this so many times and nothing happens this is my late time.
Consumer complaint received 2019-01-07
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: Experian Information Solutions Inc. (NJ)

According to my recent credit report request from EXPERIAN there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of  the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX XXXX/XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX XXXX/XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX  XXXX XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX  XXXX XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Reliant Capital Solutions, LLC (OH)

To Whom It May Concern, The reason for my dispute is Reliant Capital Solutions was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Reliant Capital Solutions failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. Reliant Capital Solutions is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where Reliant Capital Solutions is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. Reliant Capital Solutions. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2023-09-08
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. (AR)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the recent experiences I have had with your institution in attempting to open account. My name is XXXX XXXX, and I have been a long-standing customer for several years, which is why my recent experiences have been particularly disappointing. Over the past, I have made multiple attempts to open new accounts with your institution. Unfortunately, all of these attempts have resulted in significant delays and inconveniences, which have caused me great frustration and concern. The initial application process for opening accounts was straightforward, but I found that there were significant delays in receiving updates and responses from your customer service team. I often had to follow up multiple times before receiving any meaningful communication. On several occasions, I was informed that certain documentation was missing or incomplete, which further delayed the process. This was despite my best efforts to provide all required documents promptly. The repeated delays in opening the accounts have caused me considerable inconvenience. I had to reschedule important financial transactions, and the uncertainty surrounding the account openings has been a source of stress. 

I understand that unforeseen circumstances can sometimes lead to delays in banking processes. However, the frequency and severity of the issues I have encountered are not in line with the high standard of service. As a loyal customer, I believe that it is essential for your institution to address and rectify these issues promptly. 

I kindly request that you investigate the matter thoroughly and take appropriate actions to prevent such issues from occurring in the future. Additionally, I would appreciate it if you could expedite the process of opening the accounts that are currently pending, as the delays have already caused me significant inconvenience. 

I value my relationship with you and hope that this issue can be resolved promptly to restore my confidence in your institution 's services. I would like to outline the issues I have encountered about this late open account : XXXX XXXX Balance : {$170000.00}.
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (TN)

I'm a victim of identity theft and fraud against me.I have already made proper reports with appropriate agencies and am still going through it and it's exhausting and relentless especially with companies who don't do their due diligence and ask for proper ID or background checks, if they did these examples would be less of a headache I'm already going through.So I was pulling my credit report and found this, no phone call, no documentation, no validation so I could even dispute to remove.Was only made aware of this fraudulent activity against me by pulling my credit reports for another problem.I immediately called and was met with a rude hostile person whom I told who I was and this is a result of my identity being stolen and fraud against me in so many words, and they haven't even did the bare minimum of validation by FCRA standards i believe there supposed to at minimum, not even a phone call, and it's because it's not mine it's fraudulent against me and should immediately be removed, met with refusal of course.Did find out where my stolen identity was used this time was from XXXX XXXX somewhere in Texas where I never lived.I called XXXX XXXX and spoke to a XXXX  and told him this was not mine and a result of identity theft and fraud against me and they didn't even call much less provide validation ... because it isnt mine and don't exist, but I repeated he needs to send me validation so I can turn documents over to identity theft, he refused.This is false and fraudulent negligent credit slandering reporting and needs to be removed.This has gotten so twisted and theyve gotten away with this so long without accountability its very distressing and disturbing.Im not very good with putting thing into to words, but i think my point is made thus is wrong.I did however dispute and report this with a couple agencies so far afterwards and will vigorously stand angainst all wrongs against me and will continue to stand for whats honest and right even if i have to stand alone.Thank you and please remove all false and fraudulent credit slandering reports against me as we consider further proper options to deter these bad practices.
Consumer complaint received 2023-09-08
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. (PA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my 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
Consumer complaint received 2023-09-08
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: Mobiloans, LLC (MO)

XX/XX/XXXX received text from XXXX XXXX XXXX, Mobiloans LLC stating my loan is approved and thank you for signing. I told them I did not fill out any loan application. They asked me for my Social Security to which I did not provide. I gave them the application number and said they should be able to figure out from there to which they wanted me to call. Why should I call, so they can try to get more info from me to scam me. I asked for a copy of the application and they said I had to call. 
I want this inquiry removed from my credit report as I did not authorize any such application or inquiry.
Consumer complaint received 2023-09-08
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: ACIMA CREDIT, LLC (CA)

My credit report is showing late payments to ACIMA DIGITAL FKA SIMP XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ACIMA DIGITAL 's customer service representative.
Consumer complaint received 2023-09-08
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Consumer complaint received 2019-02-20
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. (GA)

On or about XX/XX/2015, my ex-husband stole my identity and purchased a vehicle in my name without my authorization. When I first learned about the theft it was through an alert from my credit monitoring service. I immediately filed a police report documenting the theft. At the time I was unaware of how my information was stolen or who stole it. I have tried to have this information removed from my file by way of disputing with Experian ; however, the creditor, XXXX XXXX, continues to place this debt on me despite sufficient proof of fraud/identity theft. Early this year I received an legal affidavit from a person who identified themselves as XXXX XXXX. In the affidavit she admitted to conspiring with my ex-husband to use my identity to purchase a vehicle in my name without my consent. Upon receiving this notice I immediately went back to the originating police department and filed an updated police report. I also contacted Experian to put them on notice to have the information removed from my credit. After waiting two months Experian stated XXXX alleges the information is accurate. This information is not accurate. My identity was stolen by my husband during our divorce process. He used my identity to open several financial accounts in my name as well as file taxes. He used an address in which I've never lived. I have provided documentation of this and have filed a motion in court to have a judge rule in the matter as a result of the supporting documentation I've have. I also would like to point out that Experian has sufficient information regarding the matter as well to ensure this fraudulent information does not continue to report falsely on my credit file.
Consumer complaint received 2019-02-20
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. (LA)

Experian and XXXX are reporting me as 120 and 180 days past due XXXX XXXX  account that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount. 

I have listed the account number for reference : XXXX