davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Subject : Request for Removal of Inaccurate Information under FCRA XXXX I am writing to formally request the removal of inaccurate information from my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate. In particular XXXX XXXX. This entity, XXXX XXXX must be reported as disputed due to FCRA violation until its resolved by being removed from all three credit reporting agencies. 

As of XX/XX/year>, I initiated disputes regarding several items that continue to negatively impact my credit. Despite my efforts, the inaccuracies remain, and I seek your immediate attention to correct them. 

XXXX. Discrepancies in Verified Information : All three credit reporting agencies ( XXXX, XXXX, and Experian ) claim to have verified information with XXXX XXXX, yet each agency has concluded different amounts that I allegedly owe. This inconsistency directly violates the FCRAs requirement for accuracy. If the information were truly verified, the amounts would be uniform across all reports. 

XXXX. Misreporting of Alleged Debt : The alleged debt from XXXX XXXX is reported as a write-off, indicating that the IRS has already credited this entity for the debt. This raises further questions about the legitimacy and accuracy of the debt being reported on my credit report. 

XXXX. Inaccurate Personal Information : My name and address are inaccurately reported across the credit agencies. I have only one name and one address : - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has inaccurately reported my name as " XXXX XXXX XXXX '' on XX/XX/year>. After filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), XXXX then reported my name as " XXXX XXXX XXXX '' as of XX/XX/year>, but still did not address my disputed items. Recently, XXXX requested verification of my address by asking for a light bill, which further complicates the process and delays the correction of inaccuracies. 

The bottom line is that these XXXX agencies are required to report accurate information about me, and they have failed to do so as per the FCRA. Therefore, I formally request the permanent removal of the XXXX XXXX entry from all three of my credit reports with XXXX, XXXX, and Experian. 

Please ensure that my name is correctly listed as XXXX XXXX XXXX and that my address is accurately reported as XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 

Thank you for your prompt attention to this matter. I expect a resolution. I look forward to your confirmation of the corrections. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-05
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Over XXXX months ago, I submitted a fraud claim to Bank of America ( BoA ) regarding my credit card. Since my card was about to expire, BoA sent a new physical card to my address without notifying me, but I never received it. On XX/XX/XXXX, BoA suddenly sent me a text message asking if I had made a transaction at XXXX, as they suspected fraudulent activity ( details are in the screenshot I submitted ). I was at home working at the time and had my physical credit card with me. I checked the account and figured out there are more than {$400.00} charges in my account which is not made by myself. I immediately locked my card to prevent further unauthorized charges and submitted a fraud claim to BoA on the same day. Customer service confirmed that the fraudulent charges were made using the new card they had sent. After I submitted the claim, BoA temporarily refunded the fraudulent charges. 

However, XXXX months later, BoA informed me that my fraud claim was denied because the transactions occurred near locations where I typically make purchases. Ive never shopped at those stores, and I believe the person who stole my card made those transactions in the XXXX area immediately after stealing it. I think BoA did not conduct a proper investigation before denying my claim, and they have now recharged the fraudulent transactions to my account. ( Please see more details in the attached denied notice from BoA )
Consumer complaint received 2024-11-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (IL)

I was randomly receiving emails and calls about debt with XXXX. i ignored the calls thinking they were scammers. lo and behold XXXX sends my personal information to collections. ive never had a XXXX phone number nor account. when trying to call the number they told me was mine a XXXX lady that had a language barrier picked up the call. i have phone lines with XXXX and XXXX XXXX XXXX  never with XXXX. when i asked for more info on the debt they send me a bill that i believe was owed on the account but they refused to provide me with any type of contract for what there pursing debt for. a bill isnt gon na work if its not my legal signature on a contract theyre pursing me for
Consumer complaint received 2024-10-03
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 not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$92000.00}, XXXX XXXX XXXX balance {$22000.00}, XXXX XXXX XXXX balance {$810.00}.
Consumer complaint received 2024-10-02
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-29
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. (TX)

The list of accounts below have 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 XXXXXXXX. I checked my # Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act 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 15 USC 1681e ( b ). Treatment of inaccurate or unverifiable information in general, after any reinvestigation of any 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. 15 USC 1681 ( s ) states they not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. I request that these accounts be removed from my credit report.
Consumer complaint received 2024-08-29
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. (MI)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-02
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. (GA)

I am a victim of identity theft and tge following inquires were not performed by me. Please delete the following : 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 2024-08-01
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. (OH)

There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. Please delete these items listed below IMMEDIATELY! 
NAMES, ADDRESSES, EMPLOYERS, COLLECTIONS, XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CLOSED ACCOUNTS, XXXX XXXX  XXXX CHARGE OFFS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES, XXXX XXXX XXXX XXXX XXXX |XXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX XXXX UCC 1-308
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2024-08-01
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)

I recently reviewed my Consumer Reports and noticed several late payments on an account I was never late for. The account is for XXXX XXXX XXXX and the account number is XXXXXXXX. Consumer Reporting Agencies have assumed a vital role in our financial system and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account.

Please investigate this matter immediately and provide Proof with statements showing that these payments were late. If proof can't be provided I demand that these payments be updated to " On Time '' as they should be. If this is not done I will have to file a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

Ive reached out to Credence Resource Management LLC multiple times through letters & by phone, between XX/XX/XXXX & now. Ive requested a validation of debt contract along with proof of wet signature, I also disputed on transition on XX/XX/XXXX. On my credit report its states that there is an open collection account with a balance of XXXX which is a violation. If its charged off as bad debt & already sold there shouldnt be an open balance/accout. Another thing I noticed is they are illegally re-aging the account & changing the amount of said debt. Once again Ive never had a contract with this debt collector for any debt & Ive asked from the original creditor to provide proof that this debt collector has the legal authority to collect it. Otherwise please remove it from my credit. Its been 5 months with no response therefore it should be deleted based on that alone.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

In accordance with Fair Credit Reporting Act 15 UCS1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NC)

I am writing to address a critical issue regarding a credit inquiry that appears on my credit report. While the inquiry is showing on my report, which implies proof of an approved account, I was denied access to my credit account I applied for. This situation is contradictory and suggests a violation of my rights under the Consumer Protection Act and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), which stipulates that inquiries should only be made when credit is approved.

The ongoing reporting of this inquiry not only negatively impacts my credit score but also indicates the continued use of my security interest without proper justification. Since you have denied me access to credit, I expect the immediate return of my security interest and the removal of the inquiry from my credit report.

If I do not receive a satisfactory response or if the inquiry is not removed within 30 days, I will pursue legal action to protect my rights under the FCRA and the Consumer Protection Act.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (NJ)

Received a email from Avant stating Your payment of {$150.00} scheduled for XX/XX/year> was canceled because of an issue with your bank account ending in Given this issue, we will not attempt future debits from this account unless you provide new bank account information by logging into your account online. 
Update Bank Account Made another payment and went through. Then I received this email Dear Avant Customer, You recently received an email with the subject Update Your Bank Account Today. This email was sent in error. Please disregard the email that indicated an issue with your external bank account being " bad ''. We apologize for any confusion or inconvenience this may have caused. 

Next Steps : -If you have already scheduled a new payment : No action is required on your part. We will not attempt to re-process your original payment. Your newly scheduled payment will proceed as planned. 
-If you have not scheduled a new payment : No action is required on your part. We will attempt to reprocess your original payment automatically. 

We apologize for any inconvenience this may have caused. Thank you for being a valued customer. 

Regards, The Avant Team XXXX XXXX They still made the payment asked them to stop one of the payments. They said too late. They can email the complete department
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (CA)

I was never late on my car loan, I was involved in accident and waiting insurance to pay the dept. unfortunately in my credit report there was a late which is not my responsibility at this time. Ive contacted to BMW Financial services and they agreed that its an error and they suggested me to dispute the error with credit bro companies. 
This was on XX/XX/year> The amount $ XXXX  monthly payment wich went late because I had no control at that time and we all were waiting for insurance to finalize and pay!
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX