davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I disputed all 3 credit Bureaus via postal service on account with XXXX XXXX account number XXXX asking for verification not validation of this debt because of its inaccuracies. It is my complete understanding that a debt placed on my personal credit report should be 100 percent accurate and verifiable at all time and must match. All 3 responded as the debt had been verified. I then sent another dispute to the credit bureus via certified mail on XX/XX/XXXX and the same response was given the debt was verified. I contacted the XXXX XXXX for documents and I havent received a response to date. I then filed a complaint with you all please see complaints # XXXX EXPERIAN-XXXX XXXX Most I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. I have attached copies of the reports that they are each reporting. i would like justification on what method of verification they used and why they are allowing these inaccurrates to continue to hinder my life. I am filing with the attorney general on XX/XX/XXXX and preparing for a lawsuit. As i have a solid paper trail of these discretions.

*open dates are all conflicting *Experian is even claiming a payment of XXXX was made? How is that when its a charged off account. Which makes them all have incorrect balances? 
*Charge off accounts are acknowledgement that the debt is uncollectable and lets the IRS give a tax credit. So the balance would be XXXX. Each report is reporting a balance whether wrong or not. 
*HOW CAN A CHARGED OFF ACCOUNT THAT SHOULD BE REPORTING XXXX SHOW A PAST DUE BALANCE AND A BALANCE AMOUNT? 
That is clear vioation of myrigthts as of the consumber law 623. which states that Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 
Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information. 


DELETE THIS UNVERIFIED ACCOUNT
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank Of America explained to me that they have a contract with XXXX and XXXX which means if any of the banking customers are members with XXXX or XXXX they will pay the membership fees no matter if you have enough funds or not in your account ... .this is a problem I reported to the XXXX office and someone from BOA was in charge of the investigation who not only waived the fees but promised this would not happen again ... 
Well it happened again. I am a member of XXXX and they use my debit to withdraw a fee in the amt of XXXX each month ... .I switched my billing preference to my credit card two months ago and not my debit card during my complaint with XXXX. On XX/XX/19 BOA allowed a charge to go through to my checking acct which put me in the negative ... .the day after they charged me a XXXX NSF fee ... .I asked why were they allowing charges to go through to my debit card when it should be declined ... .I also told them that I stopped XXXX from using my debit card months ago ... .they could not provide me with an answer so I asked for a manager ... manager got on the line and told me he was not waiving the fee and he suggested I open another checking account that meets my needs ... I asked him how dare he try to strong arm me into another acct and disregard their illegal fee games for company gain. ..please tell me how I can start a class action law suit
Consumer complaint received 2024-08-20
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. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-20
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. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX XXXX  AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

I have recently obtained a copy of my credit bureau XXXX credit report. It showed an inquiry by your company that I did not authorize. This inquiry was sent to you by XXXX XXXX XXXX on XX/XX/2017. I have obtained a copy of the Credit Application from the dealership signed by me ( attached below ) and they do not authorize you by me to run my credit report.
Consumer complaint received 2024-08-20
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.
Consumer complaint received 2024-08-20
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. (CA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-08-20
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. (FL)

Listed Below are Hard Inquiries that have been made fraudulently and should be removed form my credit file. According to FCRA 15 U.S. Code 1681c2 - Block of information resulting from identity theft. Except as otherwise provided in this section, 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, 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. (FL)

Dear Sir/Madam, I recently received a copy of my Experian and XXXX credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by Experian and XXXX creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( experian report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 2- ( experian report ) XXXX XXXX XXXX  Inquired onXX/XX/XXXX 3- ( experian report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX4- ( experian report ) XXXX Inquired on XX/XX/XXXX 5- ( XXXX report ) XXXX XXXX Inquired on XX/XX/XXXX 6- ( XXXX report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 7- ( XXXX report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 8- ( XXXX   report ) XXXX XXXX Inquired onXX/XX/XXXX 9- ( XXXX report ) XXXX XXXX Inquired on XX/XX/XXXX 10- ( XXXX  report ) XXXX XXXX Inquired on XX/XX/XXXX 11- ( XXXX   report ) XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-08-20
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. (MA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Letters were sent to XXXX, Experian, and XXXX in regard to incorrect personal information they have on each of their reports. I asked for removal as well as any and all documentation pertaining to how and from whom they received this information. I received no response from either three bureaus, and the incorrect information remains on their reports. I have attached copies of the letters that were sent to each company which lists the information that needs to be removed, asap.
Consumer complaint received 2024-08-20
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 was taken aback this morning when I saw inaccurate accounts on my credit report, and Im at a loss for how this could have happened. I routinely check my credit report, but this time, discrepancies suddenly appeared out of nowhere. I tried refreshing my browser, thinking it might be a glitch, but the errors remained. Due to this issue, Im requesting a thorough review of the documents Ive sent so I can be free from this XXXX.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I recently received a copy of my XXXX  and XXXX  credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by XXXX  and XXXX creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX2- ( XXXX report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 3- ( XXXX  report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 4- ( XXXX  report ) XXXX Inquired on XX/XX/XXXX 5- ( XXXX report ) XXXX XXXX Inquired onXX/XX/XXXX 6- ( XXXX report ) XXXX XXXX XXXX Inquired onXX/XX/XXXX 7- ( XXXX  report ) XXXX XXXX XXXX  Inquired onXX/XX/XXXX 8- ( XXXX   report ) XXXX XXXX Inquired on XX/XX/XXXX 9- ( XXXX report ) XXXX XXXX Inquired on XX/XX/XXXX 10- ( XXXX report ) XXXX XXXX Inquired onXX/XX/XXXX11- ( XXXX   report ) XXXX  Inquired on XX/XX/XXXX
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

i had fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done and violates my rights as a consumer. i reached out to the credit breau on more than one ocasion to advise that my credit was being pulled with out my permission. the listed inquires were pulled with out my permission. discover financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   card XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX  XXXX/XXXX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX i did not authorized these inquires and demand that they be removed from my report.
Consumer complaint received 2019-03-21
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: TOYOTA MOTOR CREDIT CORPORATION (MN)

I was told by 2 separate sales people I could get {$1700.00} Cash Bonus on a new leased vehicle that could be used to take care of any negative equity. That was the only reason I went in. Because I knew I was upside down. I like the vehicle, but the salesman said if I wanted to save even more money I should look at the Hybrid Model. I was all for saving money. But he never told me that vehicle didn't qualify for the Cash Bonus, or that XXXX XXXX rolled in {$2100.00} of negative equity. I never would of bought the vehicle. 

Federal Law https : //www.consumer.ftc.govXXXX Requires that before you sign to finance the purchase of a car, the dealer must give you certain disclosures about the cost of the credit. That was never done. I feel they did the bate and switch. I have been working with the Attorney Generals Office, and they suggested I also file a complaint.
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF NEW YORK MELLON CORPORATION, THE (VA)

The checkbook to my Health Savings Account with XXXX  was stolen from my car in XX/XX/2017. Several checks ( {$1900.00} worth ) were written by the thieves and paid by XXXX. I filed a police report and alerted XXXX  of the theft. They had already closed my account since it was overdrawn from all the fraudulent checks that were written. At the time of the theft in XX/XX/2017 I had {$260.00} in my account and have requested this money be refunded. Over a year later I still have not received my money and XXXX  is charging my account service/maintenance fees even though it is closed. I submitted all requested forms and affidavits about the theft and not one person from XXXX  has ever called me about the status of my claim. I am asking for my account balance before the theft ( {$260.00} ) to be refunded.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX  XXXX Balance Owed : {$3900.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX
Consumer complaint received 2023-08-17
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}