davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
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. (FL)

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-07-29
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. (AL)

I discovered an unauthorized account on my credit report during a recent review. Kindly remove this fraudulent entry, as it is obstructing my ability to obtain credit. This account is unfamiliar to me. 
XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$400.00}
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-29
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. (PA)

I appreciate your time to remove some of the inquiries in my file that resulted from alleged identity theft but I have some inquiries left that need to be removed. Per FCRA section 605 you are required to remove any inquiries listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-29
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 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 2024-07-29
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. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

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 2024-07-29
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2024
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MO)

In accordance with the fair credit Repair Act. The list of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602 A section states that consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer reporting agency report any of the following items of Information to any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681 ( 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 to be inaccurate.
Consumer complaint received 2024-07-29
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. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-29
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. (NC)

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understanding, you will investigate the following account listed below to ensure its accuracy. Here is the account I am asking you to verify and validate : Account Name : XXXX XXXX XXXX  Account XXXX : XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Open Dealer Exchange, LLC (MI)

I called each company on XX/XX/year>. 
Neither of them were able to find anything on file concerning running a credit report on me. They told me to call the credit bureau and the credit bureau would remove the inquiry. When I called the credit bureau, they told me to call the company and have them contact the credit bureau. The companies told me that they dont have any information to send to the Credit bureau and that they can not help remove the inquiry. And as you can see, all the attachments, XXXX XXXX ran A credit report XXXX day and then the next day they ran another one.
Consumer complaint received 2024-07-27
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

XXXX ( only credit reporting agency to do so ) has published derogatory information on my credit report as a result of fraudulent collection attempts by Columbia Debt Recovery LLC, dba Genesis. 
The basis of the derogatory comments is a result of XXXX XXXX XXXX. 
On XX/XX/XXXX I signed a lease with a XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, TN. The lease specifically stated that utilities would be billed individually by unit and XXXX XXXX XXXX on attached lease, page XXXX of XXXX -item # XXXX. 
Upon noticing that my utility bill was escalating dramatically on a month-to-month basis ( example-gas increased for ~ $ XXXX to over $ XXXX ) I questioned management on why this was happening. 
After weeks of no response, residents received a notice via email ( attached ) that utilities would be " allocated '' across all residents, and this was now a term of the lease. This unilateral decision to alter voided the lease and also left it illusory. After not receiving any response from management questioning this move, and fearing other unilateral alterations, I choose to move out given the voided lease. 
XXXX then contracted with XXXX XXXX XXXX to attempt collection who began contacting me for unwarranted and illegitimate collection. On XX/XX/XXXX I requested all relevant lease documents ( including XXXX notice to tenants and unilateral modifications to the lease ) as well as all email correspondence between myself and XXXX management. I received no information and Columbia Debt Recovery efforts ceased. In XXXX of XXXX I noticed a significant drop ( from XXXX to XXXX ) in my credit score, driven by the derogatory remark posted by Columbia Debt XXXX XXXX XXXX site XXXX My dispute to XXXX was rejected. This is a result of inadequate research on the part of XXXX and lack of transparency by XXXX XXXX. I will also be filing a complaint against Columbia and XXXX.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I pulled a copy of my Experian credit report on XX/XX/XXXX and I noticed that for the sixth month in a row, XXXX XXXX , has been reporting my vehicle loan as paid in full.

1 ) I have made all payments on time since I purchased the vehicle and opened the loan in XX/XX/XXXX. 
2 ) This company has not reported any of my payments since XX/XX/XXXX. As you know, this greatly has affected my credit score and my ability to be able to refinance my vehicle and pay a much lower interest rate. 
3 ) This company has been reporting my balance as paid in full for at least 6 months and that is incorrect. I still owe {$17000.00} as of XX/XX/XXXX. 
I have spoken to XXXX at XXXX XXXX many times in person and over the phone for six months now about this issue and every time I talk to her, she insures me that the reporting issue will be fixed and it never gets fixed. XXXX claims she has no idea whats going on with it. She also let me know that I am not the only person that this is happening to. This company needs to be fully investigated for their credit reporting practices. Its unfair and unethical. I do not blame XXXX. I know she just works there, but it is very aggravating to be lied to.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NV)

There are 2 collection accounts on my credit file. I have tried 3 months in a row to get information regarding the collection acounts. I have disputed them with all 3 credit beaurus as well as requested information from the collection agencies involved. I have not recieved any information about the validity of the accounts from anyone, and I do not recognize the companies involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  placed a fraud alert on my file and XXXX removed one of the collection accounts and placed a fraud alert as well. 

Thank you, XXXX XXXX
Consumer complaint received 2024-07-24
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. (NJ)

I was unaware that these companies was on my credit report as hard inquiries, which I did not apply to. I spoke to someone on XXXX about getting them removed. I sent documentation to them which they had failed to remove them unless I have an FTC report.
Consumer complaint received 2024-07-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (FL)

I've tried 5 different phone numbers and their online chat function and online messaging system to get information on loan modification. Always directed to automated system that only provides basic information and circular phone numbers
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Consumer complaint received 2024-08-25
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. (PA)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loans, credit cards, and any other accounts from XXXX XXXXXXXX with a balance of {$1300.00}, XXXX XXXXXXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXX  with a balance of {$200.00}, XXXX XXXX XXXX XXXXXXXX with a balance of {$860.00}, XXXX XXXX XXXX with a balance of {$9500.00}, XXXX XXXX XXXX XXXX with a balance of {$900.00}, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-20
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 checked my credit score it is XXXX points less than the other XXXX reporting agencies, but the only one that has XXXX inquiries, for what I don't know, and why would they need to run my report XXXX times loving my credit score, my information should be in a file and ran once a year if I am looking for credit. This is unacceptable unfair and make my credit look bad
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX Bank, XXXX XXXX is the XXXX XXXX XXXX for Conduent State & Local Solutions , IncXXXX XXXX  XXXX XXXX XXXX BoA ) has closed an alleged, account in a prior complaint through this CFPB platform for false representation. Conduent State & Local Soultions , Inc has refused to answer any affidavits that have refuted debts. Account number XXXX was the account in question and was closed by BoA as the adminstrator of the account. Notice was sent to the credit bureau 's. XXXX XXXX  XXXX, needs to confrim that the company that they are acting as trustees CSLS is reporting information correctly. I appears that CSLS is acting as an agency of XXXX XXXX XXXX in a vendor capacity. Mail being sent from XXXX XXXX XXXX, XXXX, NY XXXX is sent from XXXX XXXX XXXX, XXXX New York XXXX. All the correspondance is under the guise that it is an action of XXXX of New York requesting payment on debts when it is actually CSLS send recieving and conducting business under contract. When this matter was directed to the entire Board of Directors for CSLS via email communication, non response was the response. This simply is mail fraud. I have refused mail from the sender and have also sent letters to a lawyer that claimed PoA over my estate without my knowledge or consent. This means that CSLS as a vendor is acting in private equity for the State of New York to engage programs to require the State to enter a treaty. Filed below is a list of UCC filings that show the check kiting scheme. XXXX Bank XXXX XXXX appears finding transmitting utility as a XXXX foreign trust.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (PA)

It appears account was reported 30 days late XX/XX/XXXX last updated on XX/XX/XXXX. I applied for the accounts to go into forbearance or deferment status due to financial hardship. The account is currently closed. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

I have spent hours on the phone over multiple days attempting to get assistance from XXXX and EdFinancial regarding our Parent Plus Loans. I received very bad advice from EdFinancial regarding a loan consolidation for XXXX of our student 's group of loans. Following consolidation, the loans went from a monthly payment of {$750.00} a month to a new payment of over {$1600.00} per month. This payment is not affordable for our student. We want to make our payment and make it on time, however, due to bad advice on consolidation the payment has more than doubled and we can not afford it. 

I spoke with XXXX, a supervisor, at XXXX on XX/XX/XXXX and re-explained our situation to him. I was told to call EdFinancial again, that they were " obligated '' to change my payment. I spoke with XXXX, at EdFinancial, on XX/XX/XXXX, and she refused to offer assitance and acknowledge that we were given bad advice. I asked to speak with a supervisor, and XXXX would not transfer me. She placed me on a list with no date or time that I can expect return phone call from EdFinancial. 

I have bounced back and forth between these XXXX entities since XXXX, with each pointing to the other for responsibility to modify this payment. This has been an incredibly terrible customer experience for a borrower looking to repay our student loans in a timely manner. I am very concerned for the impact this will have on our credit scores moving forward.