davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XX/XX/XXXX Re : Complaint Against Experian Information Solutions , Inc.

To Whom It May Concern, I am writing to file a formal complaint against Experian Information Solutions , Inc. ( hereinafter referred to as " Experian '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to Experian 's General Counsel requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXXXXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$880.00}. The FCRA mandates that the credit bureau, in this case, Experian, must ensure the accuracy and completeness of the information they report. 

Despite my clear request for debt validation, Experian failed to provide the necessary information as required under the FCRA. Furthermore, Experian engaged in inaccurate reporting practices, which raise concerns about their compliance with the statute. Specifically, Experian inaccurately increased the reported debt by one dollar within 24 hours of my initial request, only to subsequently revert the debt back to its original value of {$880.00}. This inconsistent and erroneous reporting not only violates the FCRA 's requirements but also reflects a concerning lack of due diligence on Experian 's part. 

Enclosed with this letter is a copy of the validation letter that was duly dispatched to Experian, which outlines my request for debt validation and provides a record of their subsequent reporting inaccuracies. It is my contention that Experian 's actions not only breach the FCRA but also have a detrimental impact on my creditworthiness and overall financial well-being. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action against Experian for their non-compliance with the FCRA. Such action should serve as a deterrent to future violations and uphold the integrity of the credit reporting system. 

I appreciate your attention to this matter and look forward to a prompt and thorough investigation into the conduct of Experian. Please do not hesitate to contact me if further information is required or if additional documentation is needed to support this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Copy of Validation Letter
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have repeatedly disputed the tradeline listed below because of inaccuracies but have not been able to resolve this via the furnisher or Experian. I previously brought this issue to the CFPB via Complaint # XXXX ; however, as of XX/XX/XXXX, the issue remains unresolved. XXXX XXXX XXXX XXXX tradeline is in violation of the following Fair Credit Reporting Act ( FRCA ) and Fair Debt Collection Practices Act ( FDCPA ) statutes : Section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ) states that if a consumer disputes the completeness or accuracy of any information furnished by any person to any consumer reporting agency, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer and Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Specifically, it prohibits communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I attest that I, XXXX XXXX XXXX ( consumer ), am submitting the following dispute on my own behalf. I have included a copy of my driver 's license as proof of my identity. I dispute the following items based on FCRA 623 ( a ) ( 3 ) because they are INCOMPLETE. Incomplete ORIGINAL BALANCE and Incomplete MONTHLY PAYMENT. I dispute the following items based on FCRA 623 ( a ) ( 3 ) because they are INCORRECT : XX/XX/XXXX was reported as 30 days late XXXX  ' email confirmation of XX/XX/XXXX payment is attached. XX/XX/XXXX reported as 30 days late - XXXX  ' email confirmation of XX/XX/XXXX payment is attached. I dispute the entire XXXX XXXX XXXX XXXX based on FCRA 523 ( a ) and FDCPA Section 807 : The data furnisher has repeatedly failed to note that the disputed debt is disputed on my consumer credit reports. XXXX XXXX XXXX and Experian have repeatedly violated FCRA 523 ( a ) and FDCPA Section 807 by furnishing incomplete and inaccurate information at CRAs, in addition to failing to mark the disputed tradeline as disputed.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX, Chase Bank, XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-04
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. (PA)

I have made two attempts to correct inaccurate information listed on my credit report with Experian by sending certified letters. The first letter was sent on XX/XX/XXXX, and the second one was sent on XX/XX/XXXX. Despite my efforts, the incorrect information, which includes my date of birth and addresses, remains on my credit report. This has caused frustration and XXXX, as I worry about the potential impact this could have on my credit score and financial future. I am now considering other steps to take in order to resolve this issue and ensure that my credit report accurately reflects my personal information.
Consumer complaint received 2023-11-04
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. (FL)

On XXXX XXXX XXXX XXXX I submitted a dispute regarding the following accounts below that are on my credit report. 


XXXX Account number XXXX Date opened XX/XX/XXXX I also reached out to the companies for validation of debt asserting FCRA rights under Section 609 and they have refused to provide me with this information. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law 15 use 1681 I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 the creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.
Consumer complaint received 2023-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelson and Kennard (CA)

on XXXX i check my bank account it was {$3700.00} hold on my account .I immediately call XXXX  and i spoke to them and they given my phone number to contact XXXX police department.But unfortunately the phone number is connector to debt collector call Nelson and kennard Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ca XXXX
Consumer complaint received 2023-11-04
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. (TN)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-11-04
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)

Experian Report number XXXX. 

Experian has refusing to properly investigate and remove the inaccurate, incomplete, unverifiable or information option as a result of identity theft. For any and all of the data being reported on accounts listed below. 

XXXX XXXX Also known as XXXX Account number XXXX Account type Credit card XXXX XXXX XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX XXXX  Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX. 

I have the right to have a 100 % accurate credit report across all three XXXX XXXX XXXX. XXXX has already removed these accounts. See CFPB complaint attached.
Consumer complaint received 2023-11-04
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. (VA)

Loan or card opened on my credit report for {$20000.00} dollars. {$11000.00} of that balance used. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2023-11-04
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. (IL)

I have sent several Registered Letters ( which included Returned Receipt notices ) to all three credit bureaus, XXXX, TransUnion and XXXX detailing that I believe that I am a victim of Identity Fraud because some of the information on my credit report ( including addresses that I have never heard of ) appear on my Credit Report. I have sent my Illinois Driver 's License and Social Security Card as verification of exactly who I am, but to no avail. I have asked all three bureaus to please add my full name ( XXXX XXXX XXXX XXXX, my birthdate and erase all of those erroneous previous addresses and employment information from my credit report, but they will not do so.

Also have them remove the following indicators from my credit reports : ( 1 ) Lack of Sufficient Credit History, ( 2 ) Lack of Sufficient Relevant Real Estate Account Information, and ( 3 ) The Total of all Balances on your Open Accounts are Too High. 

I would like to have the same information on my Driver 's License, Social Security Card, U.S. Passport, and all of my Credit Cards match each other. This will help me when I purchase a new home, vehicle and create my new business affiliations in the future.
Consumer complaint received 2023-11-04
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. (IL)

I have sent several Registered Letters ( which included Returned Receipt notices ) to all three credit bureaus, Experian, XXXX and XXXX detailing that I believe that I am a victim of Identity Fraud because some of the information on my credit report ( including addresses that I have never heard of ) appear on my Credit Report. I have sent my Illinois Driver 's License and Social Security Card as verification of exactly who I am, but to no avail. I have asked all three bureaus to please add my full name ( XXXX XXXX XXXX XXXX, my birthdate and erase all of those erroneous previous addresses and employment information from my credit report, but they will not do so. 

Also have them remove the following indicators from my credit reports : ( 1 ) Lack of Sufficient Credit History, ( 2 ) Lack of Sufficient Relevant Real Estate Account Information, and ( 3 ) The Total of all Balances on your Open Accounts are Too High.

I would like to have the same information on my Driver 's License, Social Security Card, U.S. Passport, and all of my Credit Cards match each other. This will help me when I purchase a new home, vehicle and create my new business affiliations in the future.
Consumer complaint received 2018-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been the victim of identity theft and will be placing credit locks on all bureaus. The following inquiries are fraudulent and not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (WI)

Around XX/XX/2023 I had closed my XXXX master card account due to fraud charges that kept happening every month the reason why I had closed the account is because these fraud charges that happened on my card kept happening over and over again even about XXXX months or longer before I had closed the account every time I seen these charges on my card I would file a complaint and have them send out a new card with a new number and I wouldnt even use the card they would send me and then all over again the same charges would happen this happened over and over again where several charges from XXXX XXXX and XXXX would show up on my transactions sometimes these transactions happened several times in XXXX day after the next, the company then refunded me the money for the claim but after it kept happening they quit refunding me when they know it was fraud from previous claims filed so when it kept happening and I wasnt giving the number out to no one with the new cards given but the charges kept appearing on my transactions. Now Ive closed the account and every month I make the minium payment and the XXXX  master card company keeps putting late fees on me when I pay it on time with the app then they will call me and harassing me saying the payment wasnt made but I know it was and it was done on their app. Even when these charges kept happening I would go on the app to download the statements but they would not be available on my account and on the app. I feel the someone in their company is doing the fraud and making the charges on my cards because it keeps happening when a new card is sent out and the only ones with the number is me and them and if I aint making these charges then someone in their end has to be doing it. They still have not refunded my money for the last claim I filed, and they keep putting more charges on the accout when its been closed for several months.
Consumer complaint received 2024-02-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (MD)

I JUST CAN NOT BELIEVE WHAT I HAVE BEEN GOING THROUGH WITH THIS VA HOME LOAN SINCE 2008. I WAS JUST PUT TO THE RINGAR LIKE I WAS A PIECE OF FABRIC IN A WASHING MACHINE BEING DRIED OUT. I WAS TEXTED BY A VA REP THAT TOLD ME I HAVE A TERM OF 449 MONTHS, THAT`S 37 YEARS. YOU THINK I AM HAPPY YOU ARE PUTTING MY FAMILY THROUGH THIS GOT ME IN A XXXX XXXX TO WHAT THE CFPB IS SAYING AND THAT`S A VIOLATION. IN 2008 MY LOAN IS FOR. 
{$250000.00} MONTHLY PAYMENTS OF {$2000.00} FOR 3 YEARS THEN YOU DID YOUR KIND OF REFINANCING. AND I HAVE A DOCUMENT THAT SHOWS THAT ALL I PAID IN 3 YEARS WAS JUST {$4200.00} IN PRINCIPAL AND {$66000.00} IN INTEREST PAYMENTS. THEN YOU SWITCHED THAT OUT AND GAVE ME A LOAN FOR {$240000.00}. THAT WAS JUST A ONLY INTEREST LOAN. AND WAS A VIOLATION OF THE FAIR LENDING ACT. VA LOANS ARE NOT JUST INTEREST-ONLY LOANS AND THE PRINCIPAL IS SUBJECT AFTER 5 YEARS TO A ANNUAL DECREASE OF THE LOAN. MY LAWYER IS TELLING ME THAT I PUT THE MONTHLY PAYMENTS INTO AN ACCOUNT AT MY BANK TILL THIS ISSUE IS SETTLED, CAUSE RIGHT NOW I DO NOT KNOW WHERE MY PAYMENTS ARE GOING. CAUSE THIS FORGED BANK STATEMENT YOU HAVE THE INTEREST RATE AS 3.750 % BUT A DOCUMENT THAT MY LAWYER HAVE FROM A REALTOR HAS 5.125 % AND ON THE 2008 LOAN THE INTEREST IS 6.125 %. I SHOULD HAVE HAD SOME LIENS ON THIS LOAN BUT YOU CAN`T PUT LIENS ON XXXX XXXXOR VA LOAN ESPECIALLY VA XXXX
Consumer complaint received 2024-01-30
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-04
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. (NC)

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. XXXX XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # 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 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.

FURTHERMORE 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ; ALSO Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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.

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CMG MORTGAGE, INC (WA)

On XX/XX/2023 I mailed a notice to CMG MORTGAGE INCXXXX dba CMG FINANCIAL ( herein " CMG '' ) a notice stating they were in violation of the FCRA, per, 15 USC 1681a 2 ( A ) ( i ), the term credit report does not include ..... Transactions or experiences between the consumer ( myself ) and the person making the report ( CMG ). THE LAW CLEARLY STATES : Transactions or experiences between consumer and the person making the report is NOT INCLUDED in consumer credit report. After their non-response I sent an notice of an Opportunity to cure to delete the late payment on XX/XX/2023. They received it XX/XX/2023. I then received their XXXX response on XX/XX/2023 stating that it was in review and research... .. Because of CMG unreasonable response, I then sent a Notice of Fault of Teir violations and how this has damage me and my family mentally and psychologically on XX/XX/2023. Furthermore, that this is hurting my family and I a opportunity to buy an investment property at a decent rate due to Their violations. 
then on XX/XX/2023 I received CMG last response stating that were bound by contract, in which I did not understand so i sent ( XX/XX/2023 ) CMG a XXXX response to my demands with a list of all their violations, so be it.