davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (CA)

I requested an investigation regarding this XXXX account in the amount of {$640.00} and informed the company that I did not open this account and it was not mine. But they instead sent to collections and reported the fraudulent account it again on my credit report.
Consumer complaint received 2024-07-26
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)

" 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 2023-07-26
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (GA)

In XXXX, I purchased a dishwasher online from Lowe 's, The company was running a promotion for their credit card and offered a {$100.00} discount if a major purchase was made using their card, I applied for the card and was accepted and used this card for my purchase. The dishwasher was delivered and installed in our home. We paid for the dishwasher and installation by debit card from our bank for the full amount. 

A month later we started being billed for another dishwasher,. I contacted the credit card company which is run by Synchrony Bank. I filled a fraud report and they found in our favor and issued a charge back. This was sent back to Lowe 's and they turned it down and continued charging us. I have spent the last year arguing with clerks at the company and made no progress. They have no proof of this additional purchase. They claim I picked up the dishwasher at the store. I am XXXX XXXX XXXX and it is ridiculous to even think that I did this.. 

My wife and I are not thieves or con-men. They say now we owe over {$1000.00}. Any help you can give us would be greatly appreciated.
Consumer complaint received 2023-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (DC)

On XX/XX/XXXX, my phone was stolen from my home, and the XXXX men who took it proceeded to login to my cashapp account and immediately began trying to transfer money to themselves and other people from my account. Here is a list of those transactions and their outcomes : XX/XX/XXXX XXXX - Payment to XXXX XXXXXXXX - {$500.00} - Payment was canceled for my protection. 
XX/XX/XXXX XXXX - Add Cash from XXXX XXXX XXXX - {$200.00} - Failed ( no reason given ) XXXX XXXX - Payment to XXXX XXXXXXXX from Cash app account - Completed. Refund Request declined. **** XXXX XXXX - Payment to XXXX XXXXXXXX from Bank Account with XXXX - Completed Refund Request Declined. **** I reported these fraudulent transactions to cashapp. The final XXXX transactions were deemed ( incorrectly ) by cashapp support to be legitimate. This is despite the fact that the {$100.00} charge is being disputed through XXXX and was refunded by them when the transaction was deemed to be fraud. When i followed up with Cashapp Support and asked why given all the evidence i supplied, what evidence did they have that the transaction was legitimate. They sent me an email that promised to contain the evidence that supported their ruling. Unfortunately, the only documentation they provided was XXXX page and only listed the transaction, with no supporting evidence attached. They did not refund me my money which was stolen on the basis of NO evidence, even tho i notified them of the theft AND provided evidentiary support of fraud. The letter also said that I had no recourse to challenge the ruling. They are stealing peoples money, and enabling others to do so.
Consumer complaint received 2024-07-28
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT 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
Consumer complaint received 2024-07-26
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. (IL)

In accordance with the Fair Credit reporting act XXXX  Account # 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 : Also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2024-07-26
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. (VA)

Experian has not updated the following tradeline with the correct DOFD ( Date Of First Delinquency. The correct DOFD should be XXXX XX/XX/2017 XXXX ) XXXX account # XXXX
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

In XXXX I had an unlimited credit card I used for my XXXX XXXX  business that I paid off and closed as I was getting separated from my husband and after XXXX years left XXXX XXXX. I opened inXXXX a account with Bank of America and they told me I had been a valued customer for XXXX  years which didnt make sense as I had closed that account but I needed an account to deposit my unemployment in so I went ahead and opened it. I inquired about my XXXX  years and they told me I still had an active credit card from XXXX  that I was still using and I informed them I closed that card account inXXXX and they said no I was still using it so I asked for a copy of the latest statement XXXX different times they charged me for the statements but never sent them and refused to tell me where they were being used and at what address. I tried several times to obtain them to no avail. Then my unemployment that I had been waiting a year on came through to the tune of XXXX but even though the deposit said XXXX I only received XXXX in my account. Of that money some XXXX of it was scammed from me through their bank and they over drew me XXXX. All done in small transactions to unheard of names on the statement that wasnt me. In XXXX months time they depleted my entire XXXX leaving me negative. I called the bank and reported the missing half of the deposit they made some excuse and said it wasnt that much but the statement showed the XXXX then they refused to honor my unauthorized transactions I pointed everyone out to them but I couldnt see the large transaction for the XXXX that came missing all at once. At XXXX point I tried to close the account and was told they didnt have that much cash unless I made an appointment and would have to take a cashiers bank check for the XXXX that was left in the account but no one would cash the check so I returned it to the bank which they put it back in the same account and it was stolen out of my account. I reported it to the hovt and was told a case number but I moved back to XXXX  from XXXX XXXX  and the bank refused to speak to me because I filed the complaint so I never heard the outcome and was never contacted. I want to know who was using my debit card all that time and recoup my stolen money if its possible. I feel like these banks are getting away with fraud right under our noses and dont have to answer for it as they willingly allowed someone to use and even obtain a card on a closed account to the amount of over XXXX I was told.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXX XXXX XXXX. I recently received an alert from XXXX stating that I had a new collection account in the amount of {$1200.00} naming MIDLAND CREDIT MANAGEM as the reporting company. I do not owe a balance of {$1200.00} to XXXX XXXX nor have I received any phone calls or letters from MIDLAND CREDIT MANAGEM informing me of the debt or giving me an opportunity to dispute. When I call MIDLAND CREDIT MANAGEM they put me on hold and never confirmed the amount owed on the debt or provided proof of the debt. 
I disputed this with XXXX however I still have not received proof of the debt OR proof that MIDLAND CREDIT MANAGEM provided me the right to dispute as required by law I think it is only fair and equal to remove this collection completely off my credit report and XXXX correct my XXXX  score.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

on XXXX XXXX i sent the XXXX of transunion of XXXX XXXX fact. demanding XXXX provide verification under penalty of perjury. that by law XXXX has the right report my XXXX information ; i give nor gave any XXXX nor verbally permission to report on my behalf. the reporting is damaging me, mentally and physically. if the matter is not correct within XXXX calendar days. i will process with the matter in a XXXX  court in front a jury not a XXXX XXXX. am stating on the record and let the record reflected am the consumer, living breathing man, XXXX, beneficiary and XXXX of name and estate. i have reason to believe and do so great faith.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2024-07-26
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. (SC)

To Whom It May Concern, Upon receiving a copy of my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. I do not have a contract and I did not share my personal information with XXXX XXXX XXXX trying to collect and report on my credit report. They did not provide me with the original contract as I requested. I am writing to inform you of my rights and obligations under 15 USC 6802 regarding the disclosure of my personal information. As a consumer, I have the following rights and responsibilities : XXXX. Right to Know : I have the right to know what personal information about me is being collected, used, and shared by financial institutions. XXXX. Right to Opt-Out : I have the right to opt-out of the sharing of my personal information with non- affiliated third parties. XXXX. Obligation to Protect Information : I have the obligation to take reasonable steps to protect my personal information from unauthorized access and disclosure. XXXX. Right to Access : I have the right to access my personal information held by financial institutions and to correct any inaccuracies. XXXX. Right to Limit Sharing : I have the right to limit the sharing of my personal information for marketing purposes. XXXX. Obligation to Notify : I have the obligation to notify financial institutions if my personal information changes or if I believe it has been compromised. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items from my credit report. It is my understanding that you will verify this information with the relevant creditor. I kindly ask you to remove any information that the creditor is unable to verify. Please be advised that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Furthermore, I request an updated copy of my credit report to be sent to the aforementioned address, as the act dictates that there should be no charge for this updated report. Thank you for your attention and assistance in resolving this matter.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Subject : Complaint Against Equifax for Improper Handling of Credit Information Dear CFPB Members, I am writing to formally file a complaint against Equifax for the re-insertion of outdated and incorrect personal information in my credit report, despite my prior request for its removal. This situation violates my rights under both federal and state consumer protection laws. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information on my credit report. Under this law, Equifax is required to investigate disputes within 30 days and correct or delete any inaccurate or unverifiable information. The re-insertion of incorrect information without proper notification is a direct violation of the FCRA, specifically section 1681i ( a ) ( 5 ) ( B ). 

*MY NAME IS : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Employment History In the state of California, the California Consumer Credit Reporting Agencies Act ( CCCRAA ), Cal. Civ. Code 1785.1 et seq., also protects my rights. This law requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy and confidentiality of information and prohibits the re-insertion of outdated information. Specifically, section 1785.16 requires credit agencies to investigate and correct errors within 30 days of receiving a dispute. 

Therefore, I request that Equifax : Immediately remove the incorrect and outdated information from my credit report. 
Provide an updated copy of my credit report with the corrections made. 
Ensure that such information is not re-inserted without proper verification. 
If Equifax fails to comply with these requests, I will proceed to take the following actions : File a formal complaint with the Federal Trade Commission ( FTC ). 
I appreciate your prompt attention to this matter and look forward to a resolution as outlined above. I am attaching copies of my identification, the relevant credit report, and any supporting documentation for your reference.
Consumer complaint received 2024-07-28
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. (GA)

My entire credit reports has multiple fraudulent transactions that are not supposed to be included on my credit report which is causing me actual damages and causeing me to get denied everything i apply for let alone i never gave any written consent too experian XXXXXXXX XXXX XXXX  to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any transactions or anything on my credit report relating to thoes companies which also caused damages to me and public humiliation to my credit standings also has no lawful right to do so or impact my credit worthiness!
Consumer complaint received 2020-08-06
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX